Exclusions are situations for which an insurance provider declines to offer coverage. To protect the company against losses, certain circumstances are not included in the covered event.
What are Insurance?
In the context of insurance, exclusions relate to specific clauses in a policy that deny coverage for costs brought on by the occurrence of a particular event. Exclusions in insurance help keep rates reasonable by eliminating the possibility of significant payouts for a small number of covered people who are at risk for uncommon catastrophic events.Contracts for life insurance have specific requirements that must be met in order for the claim to be deemed genuine. In the event of the insured's death, the insurance company is typically responsible for paying the claim amount.To know more about Insurance visit:
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what is the price of an investment that pays you $1000 per month with the first payment in 1 month and the last payment in 6 months if the expected return for the investment is 2.0% per month?( round the value to 0th decimal to get a whole number )
The price of an investment that pays you $1000 per month is 14,410.
Periodic Payment per month = 1000
Expected Return = 2% per month End of month payments
Time Period (N) = 6 months
Price = Periodic Payment per month x 1 (1-(1+Expected Return)-M) /Expected Return)
Price = 1000 x [(1-(1.02)-6)]
Price = 14,410.38 or 14,410 (Rounded off)
What does an expected return serve?To ensure that your investments are producing a profit, utilize an expected return. The amount of money you intend to make over the long term by investing in various assets must be clear in your mind. This can be accomplished by investing in bonds or stocks that have a steady return (usually greater than inflation).
By stating this expectation in advance, you may lower the risk and avoid letting your emotions affect your financial planning. Additionally, knowing the results you're aiming for will help your investment decisions quickly match those objectives.
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Assume that corn and soybeans are alternatives that could be grown by most farmers. An increase in the price of corn will.
Assuming that the majority of farmers could plant corn and soybeans as alternatives. Corn's price will rise as a result reduce the soybean supply.
At least two products that the same consumers might use for the same purpose are considered replacement goods or substitutes.
Demand for the alternative good or goods (if there is only one other) is likely to rise or fall if the price of one of the products changes. The substitutes' other products have positive cross-elasticity of demand. In the eyes of the consumer, substitute items are the same as, very similar to, or equivalent to another product. The same wants of the clients can be partially or totally satisfied by substitute goods.
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denzel is one of 50,000 people defrauded of $40 in an advertising scam. denzel's best course of action to recover his money is to
Denzel is one of 50,000 people defrauded of $40 in an advertising scam. Denzel's best course of action to recover his money is to become part of a class action lawsuit, which might include plaintiffs who are unaware of the lawsuit or are even unaware they were harmed.
A class action lawsuit is a form of lawsuit in which a person or group represents a larger group. For example, individuals like Denzel who were victims of a advertising scam may collect together and file a class suit in court.
This best courts of action would be representing not only themselves but also any other persons who may have been victims of the particular fraud, regardless of whether they were aware of it or not, and help them recover their money.
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Telore's yogurt container is narrower at the top than at the bottom. its competitors' yogurt containers have a broader top and narrower bottom. this is an example of using _____ in marketing stimuli.
Telore's yogurt container is narrower at the top than at the bottom. its competitors' yogurt containers have a broader top and narrower bottom. this is an example of using Novelty in marketing stimuli.
What is marketing?
The process of developing, communicating, delivering, and trading offerings that are valuable to customers, clients, partners, and society at large collectively is known as marketing. Any interaction a business has with a client directly qualifies as marketing. For instance, an airline's client satisfaction, brand image, and reputation all depend on the quality of its service.
Therefore,
Telore's yogurt container is narrower at the top than at the bottom. its competitors' yogurt containers have a broader top and narrower bottom. this is an example of using Novelty in marketing stimuli.
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Muffy's muffins had net income of $2,570. the firm retains 55 percent of net income. during the year, the company sold $505 in common stock. what was the cash flow to shareholders?
When Muffy's muffins had net income of $2,570, where the firm retains 55 percent of net income, and during the year, the company sold $505 in common stock, the common cash flow to the shareholders will be $1661.5. Therefore, the option C holds true.
What is the significance of cash flow?Cash flow can be referred to or considered as the total amount of cash and cash equivalents received or made by a firm during a given financial period.
On net income of $2,570, the dividend payment to the shareholders will be $1156.5, and the common stock worth $505 was sold, thereby generating a cash flow of $1,156 + $505 = $1,661.5.
Therefore, the option C holds true and states regarding the significance of cash flow.
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The missing options to the incomplete question have been added below for better reference.
A. 1156.5
B. 651.5
C. 1661.5
D. 2570
When a licensed salesperson is soliciting for potential borrowers or investors, what must be included in the advertisement?
When a licensed salesperson is soliciting for potential borrowers or investors, the 8-digit number of the employing broker must be included.
What's the position of a investors?
An investor puts capital to apply for long-term gain, while a dealer seeks to generate quick-term profits with the aid of shopping for and promoting securities over and over once more. Investors commonly generate returns by deploying capital as both fairness or debt investments.
What do investors get in go back?
Angel investors usually need from 20 to 25 percentage return on the cash they spend money on your enterprise. Task capitalists may additionally take even greater; if the product continues to be in improvement, for example, an investor may additionally need 40 percent of the commercial enterprise to compensate for the high danger it's far taking.
What are rich investors called?
Angel investors are also known as informal investors, angel funders, non-public buyers, seed investors or enterprise angels. These are people, normally prosperous, who inject capital for startups in trade for ownership fairness or convertible debt.
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The ________________ enforces trade sanctions and embargoes and prohibits trade with certain people in other countries.
The Office of Foreign Assets Control (OFAC) enforces trade sanctions and embargoes and prohibits trade with certain people in other countries.
A trade is defined as the overall market of purchasing and promoting items, the way you are making a living, or the act of replacing or buying and promoting something. An instance of a trade is the tea change in which tea is imported from China and bought inside the US. An example of change is while you work in income.
Trade involves the switch of goods and offerings from one person or entity to any other, often in trade for cash. Economists speak to a machine or community that permits change as a market. alternate, in latest, is of types. they'll be internal trade and international exchange.
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The 47.50 put on a stock is trading at 1.32 bid and 1.37 ask. to buy one option contract, you must pay ________ at the time the contract is purchased.
The 47.50 put on a stock is trading at 1.32 bid and 1.37 ask. to buy one option contract, you must pay $137.00 at the time the contract is purchased.
What is stock trading?In order to profit from daily price fluctuations, stock trading entails purchasing and selling shares of various businesses. Traders actively monitor the short-term price swings of these equities in an effort to purchase low and sell high.
Stock traders differ from regular stock market investors in that they take a short-term perspective rather than a long-term one.
Trading individual stocks include the risk of significant losses in addition to the potential for rapid returns for those who time the market right. The fortunes of a single company can rise faster than the market as a whole, but they can also tumble just as easily.
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Entrepreneurs typically want to enter the industry at which stage of the life cycle?
Entrepreneurs typically want to enter the industry at the Emergent and Growth Stages of the life cycle
This is further explained below.
What is the Emergent and Growth Stage?Generally, During the growth stage, the product has been accepted by customers and the market as a whole, and customers are starting to really buy the product.
That indicates that both demand and earnings are expanding, preferably at a rate that is both steady and quick.
During the growth stage, the market for the product continues to expand and there is an increase in the amount of competition.
In conclusion, In most cases, entrepreneurs want to join a market while it is in the Emergent or Growth stage of the industry's life cycle.
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Relish has a chain of outlets that sells baked products. relish requires all its employees to complete a month's training before they can work in the kitchen. this is an example of ________.
Relish has a chain of outlets that sells baked products. relish requires all its employees to complete a month's training before they can work in the kitchen. this is an example of a policy.
What do you mean by the policy?To direct choices and produce logical results, the policy is a system of intentional rules. A policy is indeed an intention declaration that is put into practice by a method or routine. A governance body inside a company typically adopts policies. Both subjective and objective decision-making can benefit from policies. Strategies used during subjective judgment typically aid top management making choices that need to be dependent on the relative benefits of a variety of aspects, and as a result, are frequently challenging to assess objectively. One example of a policy utilized in this manner is the work-life balance policy. In addition, organizations as well as other entities have strategies in the shape of laws, rules, guidelines, written rules, rewards, and optional actions. Resources are often distributed in accordance with policy proposals.
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Which perspective states that effective managerial behavior in one situation cannot always be generalized to other situations?
The contingencies perspective states that effective managerial behavior cannot always be generalized to other situations.
What is managerial behavior?
The managerial behavior means the function that determine the ability of employees, and fill motivation in the employees.
In this question, we have to determine the perspective. The contingency perspective is the perspective that states the managerial behavior. The contingency perspective is the perspective in which the managerial behavior is depends upon the specific situation. If the situation changes then the managerial behavior also changes. After this, for the next situation new managerial behavior is made by the management of the company with some new techniques to check the ability and to motivate the employees.
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A requirement that buyers of one service must also purchase another service from the same seller is called _____.
A requirement that buyers of one service must also purchase another service from the same seller is called a tying contract.
Price communicates information and offers incentives to shoppers and sellers. high fees are signals to producers to produce extra and buyers to shop for much less. Low prices are signals for manufacturers to produce much less and for shoppers to shop for greater. the acquisition of the assets of rival companies that lessens competition. which provides a sign of growth or lower quantity supplied or quantity demanded.
Costs are impartial because they choose neither the manufacturer nor the patron. since fees are the end result of opposition among customers and sellers they constitute compromises that each aspect can stay with. provide an explanation for what is meant by way of the time period marketplace equilibrium. A fee signal is facts conveyed to purchasers and producers via the fees supplied or asked for, and the quantity asked or supplied of a product or service.
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what may happen to eli and his father? check all that apply.they will pay for eli’s and dave’s care.they will not have to pay any costs because the accident was not dave’s fault.eli will be covered by dave’s family car insurance policy.they w
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event that the covered auto vehicle—be it a car, bike, or any other auto vehicle—is involved in an accident or is stolen.
Vehicle insurance often covers both the liability risk and the property risk (theft or damage to the vehicle) or (legal claims arising from an accident).
The family insurance policy, which is an auto policy that includes one or more of the following coverages: liability, medical expenditure, physical damage, and uninsured motorist, is another type of vehicle insurance policy.
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Disclaimer- The complete question is
What may happen to Eli and his father? Check all that apply.
They will pay for Eli’s and Dave’s care.
They will not have to pay any costs because the accident was not Dave’s fault.
Eli will be covered by Dave’s family car insurance policy.
They will be protected by the other driver’s insurance.
Bills will be waived because it was weather-related damage.
which of the following is a stakeholder attribute that managers should consider at every step in a stakeholder impact analysis?
The option that is a stakeholder attribute that managers should consider at every step in a stakeholder impact analysis is known to be option D. legitimacy.
What is stakeholder impact analysis?Stakeholder impact analysis is known to be one that tends to make use of analytical tools as well as techniques to be able to quantify as well as examine the influence of business decisions on any stakeholders of a business.
Note that it is seen as a key function for the management of any firm due to the fact that it is one that is often used to make as well as formulate business strategy and make manufacturing, distribution, as well as final sales-related decisions.
Therefore, The option that is a stakeholder attribute that managers should consider at every step in a stakeholder impact analysis is known to be option D. legitimacy.
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Which of the following is a stakeholder attribute that managers should consider at every step in a stakeholder impact analysis?
A. literacy
B. solvency
C. supremacy
D. legitimacy
Asset+a+has+an+expected+return+of+20%+and+a+standard+deviation+of+25%.+the+risk+free+rate+is+10%.+what+is+the+reward-to-variability+ratio?
The reward-to- variability ratio (Sharpe ratio) is 0.40 .
Expected return20
Standard deviation:25%
Risk-Free Rate (Rf):10%
Ratio of Reward to Variability (A) =
Solution:
By compensating for the risk involved, the Sharpe Ratio calculates the expected rate of return for each portfolio. Reward-to-Variability Ratio is another name for the Sharpe ratio. Since it compares the projected return on an investment with the risk involved (standard deviation).The formula to calculate it is as follows:
Reward-to-Variability Ratio/Sharpe Ratio = (EA - Rf)/ A
Reward-to-Variability Ratio = (20-10)/25
Ratio of Reward to Variability = 10/25
Ratio of Reward to Variability = 0.40
As a result, Asset A has a 0.40 reward-to-variability ratio.
Complete Question is-
Asset A has an expected return of 20% and a standard deviation of 25%. The risk free rate is 10%. What is the reward-to- variability ratio (Sharpe ratio)?
O 40
O .50
O .75
O.80
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has the beneficiary ever been part of any organization, association, fund, foundation, party, society, club, or group anywhere in the world?
If you have ever stated that you are a US citizen for the purposes of entering the United States at the Canadian or Mexican border. If you have ever registered to vote in any government election in the United States.
What is election ?A populace selects a person or people to hold public office through a formal group decision-making process called an election.
Since the 17th century, elections have been the primary means by which modern representative democracies have been governed. Elections may be held to fill positions in the legislature, occasionally in the executive and judicial branches, as well as in regional and municipal government. This procedure is also utilized by numerous other private and commercial organizations, including clubs, nonprofit organizations, and companies.
The practice in the democratic archetype, ancient Athens, where elections were regarded as an oligarchic institution and the majority of political offices were filled using sortition, also known as allotment, by lot, is in contrast to the use of elections as a tool for choosing representatives in modern representative democracies.
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when you begin your first full-time job, you have a monthly income of $4,500. your federal and state taxes are $1,000. you pay $1,600 in rent, have a $300 car payment, and spend $300 on food and $200 on clothes. the remaining $1,100 would be considered your
After spending on income taxes and essential living expenses, the remaining $1,100 is the Discretionary Income.
What is discretionary income?This refers to the amount of money that people have after they spend on their income taxes and the expenses that are essential to them.
These expenses include rent, car payments, food, and clothing. Any money left from one's income after these are spent is the discretionary income which can be used for other less essential spending.
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With respect to personal finance, what is the name of the most commonly used credit scoring system intended to help lenders predict how likely an individual is to repay a loan, or make credit payments on time?.
The answer is FICO Score.
While other credit scoring methods exist, the FICO Score is by far the most normally utilized. A FICO score is a credit score designed by the Fair Isaac Corporation (FICO). Lenders utilize borrowers’ FICO scores along with other elements on borrowers’ credit reports to evaluate credit risk and decide whether to extend credit.
FICO scores take into account details in five areas to decide creditworthiness: payment record, the present level of indebtedness, kinds of credit utilized, size of credit record, and new credit accounts. FICO is a significant analytics software business that delivers products and services to both businesses and individuals. The company is famous for designing the most widely utilized consumer credit scores financial organizations use to determine whether to loan money or give credit.
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FICO Scores is the credit scoring system.
A major component of the credit history that lenders use to determine the credit risk of applicants is a sort of credit score called a FICO score. Better than average credit is shown by a FICO Score of 670 or higher, and exceptionally responsible credit is shown by a score of 740 or higher. FICO scores over 800 are regarded as exceptional.
Lenders typically consider your FICO Score when making judgments about personal credit cards and loans. The data analytics firm Fair Isaac Corporation determines your FICO Score based on information in your credit reports. An alternate scoring model is the well-known VantageScore.
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A company that pays employees a commission on each unit sold is providing a(n) ________ incentive.
The company is providing a straight commission incentive plan. This is the case because it is paying employees a commission on each unit sold.
When a company pays employees a commission on each unit sold, what is it called?It is called a straight commission plan. Using this compensation plan, employees will be encouraged to exert themselves towards making new sales because doing so would be directly proportional to their work earnings.
It is also generally observed that salespersons would be motivated to push out goods having a higher commission than those with a lesser one as a result of this payment method, which is sometimes viewed as a disadvantage when dealing with diverse product lines.
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If a seller knows that the price elasticity of demand for her product is 2.4, what will happen to her total revenue if the price decreases?
A seller's total revenue will increase if the price of her product falls if she is aware that the price elasticity of demand for it is 2.4.
What is price elasticity in demand?The relationship between the percentage change in a product's quantity demanded and the percentage change in price is known as price elasticity of demand. It helps economists comprehend how supply and demand shift in response to changes in a product's price.Let's take the scenario where the cost of a candy decreases from Rs. 10 to Rs. 5 and the demand grows from Rs. 10 to Rs. 15 for the candy. Here, 50% divided by 50% equals 1, meaning that the percentage change in demand is equal to the percentage change in price.A demand that is elastic occasions a significant shift in quantity demanded as a consequence of a price adjustment.To learn more about price elasticity of demand, refer to:
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When clorox uses the good housekeeping seal for its fresh step cat litter, its strategy is to reduce a consumer's __________ and encourage purchases.
When clorox uses the good housekeeping seal for its fresh step cat litter, its strategy is to reduce a consumer's Perceived risk and encourage purchases.
What is Perceived risk?
All the worries that clients have in relation to their purchasing decisions are referred to as perceived risk. The majority of the time, consumers consider the risks they may face in the future if they make a purchase of a product or service that is expensive in nature or has certain sophisticated characteristics.The term "perceived risks" refers to the emotional cost entailed with customers' purchase decisions, which stands for a certain amount of future uncertainty. Consumers' intentions to make purchases will be directly impacted by this uncertainty.The uncertainty a buyer feels while making a purchase, especially one that is very expensive, like a car, a house, or a computer, is known as perceived risk. Every time a consumer thinks about purchasing a thing, they have some reservations about it, especially if the product is expensive.To know more about Perceived risk visit:
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owner investments cause a(n) (increase/decrease) in equity and are entered directly in owner's (capital/withdrawals/revenue).\
Owner investments cause a increase in equity and are entered directly in owner's capital. Your assets are the sum of your cash, the products you have acquired, and any money owed to you by your customers. Liabilities are the entire sum of money owed to creditors.
The whole value of your assets less your total obligations equals your owner's equity, net worth, or capital. The capital or owner's equity or net worth is the fund invested by the owner in the firm or the net amount claimable by the owner from the business. Your assets are the sum of your cash.
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Would a decrease in the price of a complementary good cause its complement’s equilibrium price to increase or decrease? what about the equilibrium quantity?.
Due to the increase in demand of commodity Y, there will be excess demand. Therefore, the supplier will be motivated to increase the price of commodity Y. The equilibrium price and quantity would tend to increase.
A rise in supply, all other things unchanged, will cause the equilibrium price to fall; quantity demanded will increase. An increase in demand and a decrease in supply will cause a rise in equilibrium price, but the effect on equilibrium quantity can't be determined.
Goods are complementary if a price decrease in one good causes the demand for the opposite to extend. This can be because the 2 goods are typically consumed during a bundle. During this case, the availability of 1 good is increasing which implies its price will decrease.
An increase within the price of a complementary product will cause a fall within the quantity demanded of that product (shift along the demand curve) and a fall in demand for the complements (shift of the demand curve to the left) whose prices haven't changed.
When two goods are complements in consumption, then a rise within the price of 1 of the products will equilibrium decrease the Demand (shift left) for the opposite good and therefore the reverse for a decrease within the price of the primary good. This happens because the 2 goods are consumed together.
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What challenges might we face in case we chose profession that does
not meet our interest and capacity?
We can't enhance our best on that profession. Financial concerns, job uncertainty and worry of failure are all frequent challenges students face when selecting a career. The reality is, no one is aware of what the world will seem like 10 or 15 years from now.
Why is it tough to pick out a career path?Lack of Experience
Limited work trip is some other motive why you may find it hard to choose your profession path. There are situations when speakme with human beings who work in a profession you're involved in pursuing is not enough. You can overcome this hurdle by using potentially participating in additional training.
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https://brainly.com/question/24418407#SPJ9one of the actions that landed the consolidated multiple listing service of south carolina in court was prohibiting members from offering home sellers the opportunity to avoid paying a broker’s commission if the seller located a buyer on their own. what type of antitrust violation does this exemplify?
One of the actions that landed the consolidated multiple listing service of south carolina in court was prohibiting members from offering home sellers the opportunity to avoid paying a broker’s commission if the seller located a buyer on their own. The type of antitrust violation does this exemplify is Price fixing (Group boycotting).
What is Price fixing?
Price fixing is the practise of market players agreeing to jointly increase, decrease, or stabilise prices in order to manage supply and demand. The technique damages customers and companies on the receiving end while benefiting the people or businesses engaged in determining the pricing.
Why is price-fixing prohibited?
Price fixing is prohibited by both Canadian and American competition laws. It is believed that the approach is anti-competitive and eventually harms both customers and businesses. Price fixing gives businesses the power to discourage market competition. Instead of competing in a market that is competitive, manufacturers can more easily and profitably agree upon pricing and establish them collectively. Customers are victimised and businesses are under less incentive to maintain competitive rates.
It is essential to remember that companies are free to charge the same amount. Only when these businesses come to a price-setting agreement with one another does the legality question become relevant.
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jean gray earns a graduated commission of 4% on her first $2,000 of sales and 8% on all sales over $2,000. jean's sales for the past week totaled $3,925. what was her commission for the week?
4% of the first $2,000 in sales go to Jean Gray, and 8% of all sales over that amount go to her. Jean made $3,925 in sales over the previous 7 days. She received a weekly commission of $234.
The sum of Jean Gray's last week's earnings was $3,925.
Since Jean receives 4% commission for the first $2,000 in business she generates, her base commission is $2,000 * 0.04 = $80.
We must now determine how many more sales Jean made than the initial $2,000 basis. The math for this is as follows:
3,925 in total were sold.
1,000 base sales
Sales in addition to the original 3,925 sales equal 1,925 when subtracted from the original 2,000 sales.
If Jeans receives an 8% commission on the $1,925 in sales, her commission will be calculated as follows: $1,925*0.08 = $154
Consequently, the total commission is equal to $234 ($80 plus $154 in addition to the original commission).
Her weekly commission was $234.
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As a modern business manager, you no longer need to be concerned with how fast the computers your company buys are because ________?
As a modern business manager, you no longer need to be concerned with how fast the computers your company buys are because Moore's Law.
As a contemporary business manager, you now not must fret with how briskly the computers your company buys are because Moore's Law has proven to be true over the last several decades and also the cost of computing speed has fallen dramatically.
Moore's Law refers to Gordon Moore's perception that the amount of transistors on a microchip doubles every two years, though the price of computers is halved. Moore's Law states that the quantity of transistors on a microchip doubles about every two years, though the value of computers is halved. In 1965, Gordon E. Moore, the co-founder of Intel, made this observation that became called Moore's Law.
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suppose that you sell short 500 shares of xtel, currently selling for $40 per share, and give your broker $15,000 to establish your margin account.
I The return rate is -13.33% a year later.
(ii) Since the capital in this instance remains the same, a price also does not change.
(iii) The return rate is 13.33% a year later.
What exactly do you mean by a margin account?Your broker-dealer will lend you money to buy securities (also known as "margin securities") while utilizing a specific kind of brokerage account known as a "margin account. With some brokerage firms, you might be able to maintain both a margin account and a cash account concurrently.
By dividing the prices by 500 shares, we first determine the property's value. Next, we divide that amount by 15,000 to arrive at the capital. The amounts are thirdly expressed as percentages.
< /P >< P > I Price fluctuation=40-44=$-4
Gain = frac -4 cdot 500/15000 = 13.33 percent ( text "Loss" )
(ii) Since the capital in this instance remains the same, the price also does not change. Gain in percentage terms is O.
(iii)Price change of $=40-36=$4, text Gain of $frac4 cdot 500 15000 = 13.33 %
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Effective influence over what other industry was key to helping rockefeller greatly expand his oil empire?
Effective influence over Railroads industry was key to helping rockefeller greatly expand his oil empire.
History of railroadsRailroad building in the United States greatly surged starting in the early 1870s. Approximately 45,000 miles of track had been built before 1871. A further 170,000 miles were added to the expanding railroad network of the country between 1871 and 1900. The construction of the transcontinental railroads is responsible for a large portion of the expansion.
The Pacific Railway Act, passed by Congress in 1862, gave the go-ahead for the construction of a transcontinental railroad. On May 10, 1869, the first railroad of this type was finished. Four more transcontinental railroads connected the Pacific Coast with the eastern states by 1900.
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A small business manager and an entrepreneur perform the same functions.
a. true
b. false
The answer is false. Small business managers oversee personnel, marketing, customer service, and paperwork for smaller firms in a number of industries. Learn more about administration and the corporate world. A Business Manager is in charge of managing and leading all operations in their firm.
They develop productivity tactics while also measuring how effectively the company performed on certain tasks within a given time limit. Small business owners are frequently mistaken for entrepreneurs, and vice versa. However, their leadership styles and drive to operate a firm differ greatly. That is the true distinction between owners and managers. Managers are generally more concentrated.
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