Adverse Selection.
Frequent Open Enrollment periods would make the insurer more exposed to immediate claims and would likely increase adverse selection. Dental Insurance.
The primary reason for employers to buy insurance plans to supply health benefits to their employees is that employees get group rates through their employer that are generally less than what the rates would be if the staff were to get insurance on their own.
A comprehensive major medical policy is a contract with an occasional deductible and high maximum dental coverage limits, in addition as a coinsurance provision, which mixes basic coverage with major medical coverage. The excellent major medical policy is the commonest insurance today.
Employers themselves may experience reduced costs in areas like workers' compensation, ease in recruiting and retaining workers or increased productivity because of reduced absenteeism. Advantages of an employer plan: Your employer often splits the price of premiums with you.
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The major department head who is appointed by the president to deal with foreign countries is the.
The major department head who is appointed by the president to deal with foreign countries is The Secretary of the state.
The Secretary of State is generally appointed by the President of the country which deals particularly with the advice as well as the consent of the Senate and is the chief foreign affairs adviser who is selected by the president. The Secretary will be carrying out the foreign policies generated by the president through the State Department and also the Foreign Service of the respective country.
In many democratic countries, the Ministry of Foreign Affairs department of the government is responsible for the diplomacy, bilateral, and multilateral relations affairs of the state which is as for providing support for the citizens of a country who are staying abroad.
State Department, is considered to be an executive department of the federal government though it is responsible for the foreign policy and foreign relations that take place in a particular state.
The primary goal concerned with the Secretary of State and Department of State is to shape a freer and secure, and also more prosperous living world through the implementation and formulation of the foreign policy of the president while supporting and most importantly protecting the country's interests existing abroad.
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Can I please get some help thank you :)
Based on the amount that Jeff is paid in a month and his expenses, the amount that he has left for the month is $1,280.
What does Jeff have left?The amount that will be left over to Jeff for the month can be found as:
= Monthly income - Monthly expenses
Solving gives:
= (1,050 x 4 times) - 1,500 - 400 - 120 - 450 - 250 - 200
= 4,200 - 1,500 - 400 - 120 - 450 - 250 - 200
= $1,280
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ted's property is in foreclosure, but he has some equity in his property. an investor suggests that she and ted enter into a sales contract for a substantially higher price than the investor would actually pay. the investor pockets the cash and allows the house to be foreclosed on. what sort of scheme is this? unset starred question
Ted's house is in foreclosure, although he has some equity in it. An investor advises that she and Ted sign a sales contract for a far higher price than the investor would pay. The investor pockets the cash and allows the house to be foreclosed on. Equity skimming sort of scheme is this.
What is Equity Skimming?
Equity skimming is a type of real estate fraud in which a dishonest investor or individual takes the title to a person's home and refinances it in order to steal the equity from the asset. It usually happens when a homeowner is in financial trouble, unable to make their mortgage payments, and is on the verge of losing their home. To help you out of financial difficulties and potential foreclosure issues, a "fake buyer" or investor contacts you and offers to take over your mortgage payments or even makes a promise to pay you a sizable sum of money when the property is sold. However, the owner must consent to hand over the title to the property and must either agree to vacate the property immediately or to continue living there as a tenant and paying rent on a regular basis.
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salesperson sam is working in a predominantly caucasian neighborhood. after trying several different marketing strategies, he finds success by telling home owners that minorities have been moving into the neighborhood and if the trend continues, property values will fall. what is this illegal practice called? select one: a. redlining b. blockbusting c. steering d. flipping
Blockbusting is the name of this prohibited practice.
the required details about Blockbusting is mentioned below
Describe blockbusting.
Blockbusting was a commercial strategy where real estate brokers and construction companies persuaded white inhabitants of a certain neighborhood to sell their homes for less than market value.
This was accomplished by instilling anxiety in the local residents by falsely claiming that ethnic minorities will soon be relocating there. The superstars would later resell those same homes to black families seeking economic advancement at astronomical prices.
Following the post-World War II outlawment of overtly segregationist real estate practices, blockbusting gained popularity. Following changes to the law and the real estate market, it had largely vanished in the United States by the 1980s.
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the promotional tool that stimulates consumer purchasing and dealer interest by means of short-term activities, such as trade shows, event sponsorships
Through transient actions like trade fairs and event sponsorships, sales promotion is a tactic that encourages customer purchase and dealer engagement.
What is Sales Promotion?A transitory campaign or offer is used by a company as part of a sales promotion to raise interest or demand in its product or service.
A company may decide to utilize a sales promotion (or "promo") for a variety of reasons, but the main one is to increase sales. Sales increases could be required to meet a quota as a deadline draws near or to spread word of a new product.
Let's examine several sales promotion types in more detail, as well as the advantages and disadvantages of adopting each style of promotion.
12 different categories of sales promotions exist. Although not all of them are appropriate for every industry, product, or service, each one offers distinct opportunities to increase sales and forge stronger bonds with clients by utilizing various sales psychology techniques. Each presents a comparison of sales methodologies and offers an unusual perspective on spin selling.
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The effect of population distribution and density on the environment and natural resources is known as.
The effect of population distribution and density on the environment and natural resources is known as carrying capacity.
The distribution of Population and density will be affecting political, economic as well as social processes which include the provision of services including hospital medical care. Population distribution as well as the density affects the environment and concerning natural resources and this is termed as carrying capacity.
The population composition can be given as a particular pattern made with the elements such as age structure and the gender ratio located in different regions which will be at varying scales. The population composition effects can be seen in the case distribution and also the density of the population.
The effect of Carrying capacity can be defined as the average population size of a particular species in the concerned habitat. Then the population size of the species is limited to adequate food, shelter, water, and mates which all are environmental needs. If these needs are not met successfully, the size of the population will get decreased until the rebounding of resources. Therefore, the carrying capacity will be having an effect on population distribution and density with respect to the availability of the environment and natural resources.
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conservationists tend to believe that resources should be saved because they are important for a strong economic system.
Conservationists tend to believe that resources should be saved because they are important for a strong economic system and used by all living things
Who is a Conservationist?The conservation movement also referred to as nature conservation, is a political, environmental, and social movement that works to manage and safeguard natural resources, including animal, plant, and fungal species as well as their habitat, for the benefit of present and future generations.Environmental conservationists strive to leave the environment in better shape than when they found it. Data-based conservation aims to increase the efficacy of conservation activities by utilizing credible scientific evidence.To preserve natural resources including fisheries, wildlife management, water, soil, conservation, and sustainable forestry, the early conservation movement developed out of necessity.The modern conservation movement now includes biodiversity preservation in addition to the early movement's focus on the sustainable use of natural resources and the protection of wilderness regions.To learn more about Conservationists with the given link
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The forces influencing the life and development of the firm are classified into which two categories?.
There are both internal and external factors that have an impact on the company's survival and expansion.
meaning
External forces are those induced by a system actor from outside the system. No matter where the external force is applied, it will result in an acceleration of the system's center of mass.
The forces that the system's objects exchange are called internal forces. While the system's center of mass does not accelerate, other parts of the system might do so as a result of internal forces.
Consider a body in a system that is experiencing friction as an example.
If the two bodies are seen as a system, friction acts as an internal force.
Anything that exerts pressure on an item is a force.
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jack pickle decided to start a small business. his initial investment was $4,000. demonstrate how to record this transaction in the accounting equation.
If jack pickle decided to start a small business and hi initial investment was $4,000.The accounting equation for jack pickle is: increase Cash by $4,000; Increase J. Pickle, Capital by $4,000.
Accounting equationJack picke accounting equation assuming the initial investment was the amount of $4,000 will be: Cash will increase by the amount of $4,000 while on the other hand J. Pickle, Capital will as well increase by the same amount of $4,000.
Increase Cash by $4,000
Increase J. Pickle, Capital by $4,000
Therefore the accounting equation for jack pickle is: increase Cash by $4,000; Increase J. Pickle, Capital by $4,000.
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Record the entry to close any balance in the manufacturing overhead account to cost of goods sold. True or false?.
This is true. Record the entry to close any balance in the manufacturing overhead account to cost of goods sold.
What is the manufacturing overhead cost?The term manufacturing overhead cost is the term that is used to refer to all of the indirect costs that are usually incurred as the cost of the goods that may come while a product is being manufactured. This cost is usually added to the cost of the final product with the labor and the material costs.
Hence we can say that This is true. Record the entry to close any balance in the manufacturing overhead account to cost of goods sold.
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3. during the 1980s and 1990s, managing the transportation function in supply chains was recognized as being important but not critical. has this perspective changed, and if so, how and why? what special challenges does transportation face in the future?
Transportation is critical to a strong supply chain. As the world evolves, so does the demand for products that are available and delivered quickly, and products that arrive late or late at their destination are unacceptable. The challenges that transportation must face in the future are numerous.
Transportation is the movement of people, animals, and goods from one place to another. In other words, transport activity is defined as the specific movement of an organism or thing from point A (location in space) to point B. and spaces.
This area can be divided into Infrastructure, Vehicles, and Operations. Transport enables trade between peoples, which is essential to the development of civilization.
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Mainstreet communities, llc (mainstreet), has a director of construction, scott thomas. Scott is a 20-year veteran with mainstreet and is responsible for overseeing the construction of the company’s development projects. What type of power does scott enjoy because of his position?
Based on the fact that Scott Thomas is responsible for overseeing construction, the type of power that Scott enjoys is Legitimate Power.
What is Legitimate Power?Legitimate Power refers to the power that a person has by virtue of their formal position in an organization or structure.
Scott Thomas is in charge of construction of development projects because he is a director of construction. He is therefore enjoying legitimate power.
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financial accounting focuses on the needs of external users, who get accounting information from general-purpose financial statements. true or false
It is a false statement that a financial accounting focuses on the needs of external users who get accounting information from general-purpose financial statements.
Who are external users of financial accounting?An investors is the most common external users of financial statements because they make and assess their investment decisions by using relevant financial information in a company's financial statements
But external users of financial accounting such as shareholders, boards also uses the financial accounting, therefore, It is a false statement that a financial accounting focuses on the needs of external users who get accounting information from general-purpose financial statements.
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b. lopez company reports unadjusted first-year sales of $200,000 and cost of sales of $50,000. the company expects future returns and allowances equal to 5% of sales and 5% cost of sales. prepare the year-end adjusting journal entry for future returns and allowances related to sales.
If Lopez company reports unadjusted first-year sales of $200,000 and cost of sales of $50,000 and the future returns and allowances equal to 5% of sales. The year-end adjusting journal entry is: Debit Sales returns and allowances $10,000, Credit Sales refunds payable $10,000.
Adjusting journal entryThe appropriate journal entry to record the transaction for future returns and allowances related to sales is:
Lopez company journal entry
Debit Sales returns and allowances $10,000
Credit Sales refunds payable $10,000
($200,000×5%)
(To record future returns and allowances)
Therefore If Lopez company reports unadjusted first-year sales of $200,000 and cost of sales of $50,000 and the future returns and allowances equal to 5% of sales. The year-end adjusting journal entry is: Debit Sales returns and allowances $10,000, Credit Sales refunds payable $10,000.
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what mechanism does e. fishelsoni use to deal with its gigantic size and the limitations of diffusion?
To deal with its gigantic size, they produce tens of thousands of copies of the chromosomes.
Chromosomes are thread-like structures placed in the nucleus of animal and plant cells. Each chromosome is fabricated from protein and a unmarried molecule of deoxyribonucleic acid (DNA). Surpassed from mother and father to offspring, DNA contains the particular instructions that make every sort of residing creature particular.
What are chromosomes in a human?
Chromosomes are systems found inside the middle (nucleus) of cells that carry long pieces of DNA. DNA is the cloth that holds genes. it is the building block of the human frame. Chromosomes also incorporate proteins that help DNA exist inside the right form.
Which chromosome is female?
Anyone normally has one pair of sex chromosomes in every cellular. Girls have X chromosomes, at the same time as men have one X and one Y chromosome. Early in embryonic development in females, one of the X chromosomes is randomly and permanently inactivated in cells apart from egg cells.
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6. allows the life of a company to be divided into artificial time periods so accounting reports can be provided on a timely basis.
The periodic assumptions allows the life of a company to be divided into artificial time periods so accounting reports can be provided on a timely basis.
What is a periodic assumptions?In accounting, it states states that an organization can report its financial results within certain designated periods of time.
Hence, it allows the life of a company to be divided into artificial time periods so accounting reports can be provided on a timely basis.
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as country income level rises from middle-income to high-income, what do we expect will happen over time to the prevalence of tobacco smoking? a. it will not follow any consistent pattern b. it will stay about the same c. it will go down d. it will go up
As country income level rises from the middle-income to the high-income, tobacco smoking will not follow any consistent pattern. A country's income is measured by its gross national income (GNI).
It comprises all of the income generated by the enterprises, citizens, and international sources. All the employee compensation plus investment gains are considered to be country income. GNI also accounts for any additional product taxes, minus subsidies. It only includes the revenue from locals who work overseas; it excludes income from the foreign national who are present in the nation. Similar to GDP, it excludes the underground or black market economy.
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Supporters of laissez-faire believed the government should interfere in the economy only to.
Supporters of laissez-faire believe that the government should intervene in the economy only to protect property rights and maintain peace.
Laissez-faire can be defined as an economic theory that has developed since the 18th century. Those who adhere to this theory believe that the government should not interfere in the business activities of the people. Alias, assumes that the economy must run as it is.
The objective of the principle of laissez-faire economics is to promote a free and competitive market which demands the restoration of order and the natural state of freedom from which human beings emerged. Therefore, a laissez-faire economy is characterized by the free movement of supply and demand, Supply and Demand The law of supply and demand is a microeconomic concept which states that in an efficient market, the quantity supplied of a good and the quantity demanded for that good are equal between each other. The price of the good is also determined by the point at which supply, and demand equal each other, free from all forms of interference by the government, pricing monopolies, or other powerful parties.
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Economists agree that when an individual changes their behavior, they are doing so because O of changes in preferences. O of changes in relative prices. of sunk costs. Othey are irrational.
Answer:
They are irrational.
Explanation:
Economists agree that when an individual changes their behavior, they are doing so because they are irrational.
It should be noted that the behaviors of human beings change which affect their purchasing decision.
able sold to both the low and high tech segments last year, and marketing predicts able will have the same market share next year. how many units would you forecast for able? last year able sold 1,200 units total – 360 units to high tech customers and 840 units to low tech customers. the high tech segment is 20% larger than last year. the low tech segment has grown by 10%.
Able sold to both the low and high-tech segments last year, and marketing predicts able will have the same market share next year. 1,841 units would you forecast for able.
Marketing describes the actions a business does to encourage the purchase or sale of a good or service. Advertising, selling, and delivering goods to customers or other firms are all included in marketing. Affiliates perform some marketing on behalf of a business.
Advertising is one of the primary methods used by marketing and promotion specialists to capture the interest of important target markets. Targeted promotions may include celebrity endorsements, memorable slogans or taglines, eye-catching packaging or graphic designs, and general media exposure.
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Many things that society values, such as good health, high-quality education, enjoyable recreation opportunities, and desirable moral attributes of the population, are not measured as part of gdp. It follows that.
The ability of a country to purchase the inputs that can be used to generate the items that contribute to wellbeing makes GDP still a valuable indicator of the welfare of society.
The most often used indicator of an economy's size is its gross domestic product (GDP). GDP can be calculated for a nation, a region (such as Tuscany in Italy or Burgundy in France), or for a group of nations (such as the European Union) as a whole (EU)
Welfare, or more frequently social welfare, is a form of government aid aimed at ensuring that citizens can satisfy essential requirements like food and housing.
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if an insurer requires an individual to be tested for the aids virus, all of the following are required, if applicable, except:
Before taking the exam, a prospective insured must be made aware of the need, and their parent or legal guardian must give their written consent.
Additionally, the applicant must sign a Notice of Consent form with their written consent.
The person who is being considered for insurance coverage is referred to as a "applicant" under the HIV Testing for Insurance Act.
(2) When we use the term "HIV," we mean the human immunodeficiency virus or any other substance known to cause AIDS (AIDS).
(3) A human immunodeficiency virus (HIV) test is any test that the Department of Health and Social Services may approve, such as an enzyme-linked immunosorbent assay (ELISA) to check for the presence of HIV antibodies.
(4) A choice is referred to as "informed consent."
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in marketing, a good, service, or idea consisting of a bundle of tangible and intangible attributes that satisfies consumers’ needs and is received in exchange for money or something else of value is known as a(n)
It is known as a product.
What is a product?Anything you sell to fulfill a customer's need or desire is a product. They could be real or virtual. Physical products come in both durable and nondurable varieties, including furniture, computers, and vehicles (such as food and beverages). Offerings of services or experiences constitute virtual products (such as education, software, and other digital products). A hybrid product might have both physical and virtual components. In order to better reach and serve customers, traditionally analog products are incorporating digital technology, leading to an increase in the prevalence of hybrid products.
Thus This guide will teach you that there is much more to a product than what the customer initially sees and what they believe they are purchasing.
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Assume that consumers consider popcorn and pretzels to be substitutes. A significant decrease in the supply of popcorn will affect the pretzel market by.
Assume that consumers consider popcorn and pretzels to be substituted. A significant decrease in the supply of popcorn will affect the pretzel market by increasing the demand for pretzels and therefore the price of pretzels.
Maximum producers are targeting millennials, a developing health-aware patron segment, mainly in Europe and the Americas. Increasing consumer interest in ethnic and distinct flavors is pushing companies to test progressive flavors including fruit-flavored chutney popcorn and barbecue popcorn.
Furthermore, the growing demand for popcorn as on-the-go snack and its availability in a greater diversity of flavors is predicted to propel the economic popcorn market growth. In 2020, prepared-to-consume popcorn accounted for the very best market proportion and is anticipated to dominate the marketplace at some stage in the forecast length.
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A brother and sister team, Anthony and Rosa, took over the family's Italian
restaurant business from their father. Rosa operates one of the three locations,
keeps the firm's books, and orders supplies and equipment for all three locations.
Anthony operates the other two restaurants. Anthony thinks he should get two-
thirds of the company profits because he is responsible for the profitability of two
out of three locations. Rosa sees it differently because she feels her responsibilities
span the entire business. What's most important for them to remember in their
situation is
Answer:
They both share unlimited liability. If one or the other failed to meet his/her financial commitment, the other person would also be liable for all debts.
express the following comparative income statements in common-size percents. (round your percentage answers to 1 decimal place.)
To calculate an income statement of a standard size, divide the various income statement components by the sales revenue to get a percentage.
An income statement is a financial statement that details the company's earnings and outlays. It also shows a company's profit or loss over a certain period of time. When you compare the income statement to the balance sheet, cash flow statement, and cash flow forecast, you may be able to better understand your company's financial status.
What are income statements and what do they serve?
The goal of an income statement is to show a company's financial performance over a certain period of time. It describes the financial history of a company's operations.
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An international pharmaceutical company is fully compliant with local and international regulations. However, they suffered a major data breach that exploited a six-month-old vulnerability. The cio asked accenture how can this be possible? how should accenture respond?
It was conceivable due to the discrepancy between local compliance requirements and international compliance laws.
The direction that the future of cyber security will take is being shaped by the need for companies to safeguard their networks, data, devices, and identities.
This data breach took place as a direct result of the fact that local and international legal compliance does not always enforce security.
A breach, which may have been caused by phishing or the theft of credentials, resulted in the exposure or theft of data.
Or it may have been a mistake, such as misplaced devices or an inaccurate system design, or it could have been a physical assault, such as a skimmer that captures credit card information at a petrol pump.
This is further explained below.
What is Accenture?Generally, Accenture plc is an Irish-American professional services firm with its headquarters in Dublin.
The company specializes in providing services and consulting related to information technology. It is a Fortune Global 500 firm and in the year 2021 it had sales of $50.53 billion.
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luster consulting company purchased a new heating and cooling system for their office building in march, 2014. after installing and testing the equipment, it was put into service on april 1, 2014. the total cost to put the equipment into service was $45,000; it is expected to have a useful life of 10 years and a salvage value of $5,000.
The amount of depreciation expense recorded in the books will be $3000.
The equipment's depreciable value is $40,000 ($45,000 cost - $5,000 salvage value), and the required number of years for depreciation is 10. In other words, the depreciation for a year is $4,000 ($40,000 / 10 years).
Since the equipment was first used on April 1, 2014, the amount of depreciation expense at December 31, 2014, will only cover the previous nine months.
Depreciable value includes installation costs and acquisition costs but not scrap value. The value that must depreciate in order to be incurred over the asset's useful life. The depreciable value of a fixed asset will be zero when its useful life is over.
When a corporation buys a fixed asset, it will be listed on the balance sheet in the appropriate section. Throughout its lifetime, as this object is used, it will lose value. Depreciable value is only the process of moving a balance from an asset to an expense on the income statement. The depreciable value and useful life will determine the Depreciable value expense. For instance, we spend 10,000 on equipment that we expect to last 5 years. This machine will be worthless in five years. As a result, the depreciation cost will be $2,000 year (10,000/5 years). This asset's balance sheet value will drop to zero at the end of the fifth year.
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carson is a licensee for tlc brokerage services. trina, a licensee for your home realty, has a 60/40 commission split with her firm. tlc brokerage services offers a 50/50 commission split with any cooperating brokerage that brings a buyer to the transaction. carson’s seller client pays a total commission of $15,000. how much will trina bring home for this transaction?
Trina will bring 4,500 for the transaction.
A financial transaction is one wherein one institutional unit makes a payment (gets a payment) or incurs a legal responsibility (receives an asset) stated in gadgets of foreign money. source booklet: SNA 3.16. cross References: Non-monetary transactions.
A financial institution transaction is any cash that acts in or out of your financial institution account. Varieties of financial institution transactions include cash withdrawals or deposits, tests, online bills, debit card prices, wire transfers, and loan bills.
Transactions have the following traits: Nested block shape is viable. Variables of the range of the native kind, waft, boolean, and string, and arrays of easy types (array of range, array of waft, array of boolean, array of string) can be used.
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because their responsibilities are based around planning and organizing, the most important set of skills for top managers are .
Conceptual skills are the most important skills for top managers because thier responsibilites are based around planning, organizing and execution.
Conceptual skills are basically those thinking skills that grasp ideas that are complex in nature and then come up with answers to difficult problems. These skills are considered very important for top managers as they will help to find the solutions to different challenges. For management these skills require the ability to make quick decisions, where required because the responsibilities of top managers sorround planning, organizing etc.
Some types of conceptual skills include decision-making, critical thinking, logical thinking and multitasking. As top managers must look at the company's operations from a business standpoint, with realistic expectations and planning and organizing is their main responsibility, it is very important that managers can apply new concepts and bring change.
These skills not only allow top managers to visualize the organization and implement new ideas in the organization. Having conceptual skills allows the top managers to understand the impact of company decisions and see a clear picture as it impacts departments and individual employees.
Therefore conceptual skills are important management skills.
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