Research the consumer services industries in United States. Choose any one of the consumer services companies and write an essay of about 500 words on how a diverse economy such as the United States can satisfy the needs of its consumers. Consider different cultures and languages, services offered to lower socioeconomic populations, or services offered to disabled consumers or women. Also analyze the challenges faced by the consumer service industry.

Answer:

if Social Security benefits are the only source of income for retirees by how much has retirees' real income derived from benefits fallen since 2000?

In nominal terms social security benefits increased by 43% from 2000 to 2015. Social security benefits are adjusted by the CPI, the problem is that the CPI doesn't measure many costs that retirees face but most younger people don't. E.g. the CPI weighs heavily gas and transportation which are expenses that are not significant to retirees but doesn't include Medicare premiums. Housing costs also increase when you are retired and they do not weigh that much in the CPI.

Can retirees in 2015 purchase more, fewer, or the same quantity of goods and services with their social security benefits as retirees in 2000 could?

how much would benefits had to have risen to maintain a constant real income for retirees?

the average social security benefit in 2000 was $816, in 2015 it was $1,166. In order for retirees to be able to maintain their purchasing power, they should have increased to $1,418 in 2015 (a $252 increase, or 21.6%)

Answer:

$8,792,544

Explanation:

Computation for the Annual OCF of the project

First step is to compute the net income

NET INCOME

Sales of new$38,106,000

($26,100×1,460 per year)

Lost sales of old -$3,960,000

[($22,000×1,780)-($22,000×1,960)]

=39,160,000-43,120,000

=-3,960,000

Variable costs $19,121,760

[($38,106,000-3,960,000)×56%]

(34,146,000×56%)

=$19,121,760

Fixed costs $1,310,000

Depreciation 1,410,000

EBIT$12,304,240

($38,106,000-3,960,000-$19,121,760-$1,310,000-1,410,000)

Tax $4,921,696

(40%×$12,304,240)

Net income $7,382,544

($12,304,240-$4,921,696)

Second step is to calculate for the company OCF using this formula

OCF = EBIT + Depreciation – Taxes

Let plug in the formula

OCF=EBIT$12,304,240+Depreciation 1,410,000-Tax $4,921,696

OCF= $8,792,544

Therefore the Annual OCF of the project is $8,792,544

Answer:

a) if the terms of trade are 4 chips for 1 pretzel, would trade be advantageous for Luxland? explain.

Yes, it is advantageous for Luxland. On its own, Luxland can only produce 1 chip for 1 pretzel, but with trade, 1 pretzel would now be equivalent to 4 chips, representing a net gain of 3 chips.

​​b) if the terms of trade are 4 chips for 1 pretzel, would trade be advantageous for Leanderland? explain.

No, trade would not be advantageous. We can see than domestically, Leanderland can produce 2 pretzels for every chip, because the graph shows that 4 chips are equivalent to 8 pretzels for this nation.

For trade to be advantageous, Leanderland should obtain at least 9 pretzels for the 4 chips.

A) The terms of trade will be advantageous for Luxland because, according to the graph, it can produce only one chip for Pretzel.

However, If it decides to trade, it would accrue a gain of 3 additional chips under the 4 chips to 1 Preztel arrangement.

B) Already, Leanderland gets 1 chip for 4 pretzels. Therefore, it will be disadvantageous for it to accept 4 chips for 1 pretzel trade arrangement. The above question seeks to highlight the comparative advantages of Leanderland and Luxland.

When an economy or country has the ability to manufacture a good or service at a lower opportunity cost than its trading partners, it is said to have a comparative advantage. In the graph above, Luxland has a comparative advantage with the production of Chips.

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Answer:

True

Explanation:

Financial security is the satisfaction that one has sufficient money to meet their daily expenses, cover for emergencies, and work towards meeting their financial goals. Achieving financial security is a long-term goal for many individuals and organizations. Meeting this objective requires following certain principles.

A savings plan and insurance are some of the foundations for achieving financial security. Saving helps one attain financial goals, while insurance is essential in case of emergencies. Having a personal financial plan, with or without a personal finance manager, is another vital element in achieving financial security.

Please find article attached

Answer and Explanation:

1. East Asia

2. Economy of Europe

1. the article suggests countries near industrialized and rapidly growing economies tend to tap from the economic success of their neighboring countries just like west coast USA taps from East Asia rich economy

2. The economy of Europe if stagnating will in contrary cause stagnating growth to East Coast USA as opposed to the west which is closer to Asia

Answer:

The answer is A. When its not managed properly

Answer:

1st one

Explanation:

Answer:

55.75

Explanation:

Mean is the average score in the marketing data. It is obtained by first finding the total of all the data. The total is then divided by the number of entries.

The total for this data is 82 +83 + 25 + 29 + 31 + 82+ 30 +90+ 56, 76 +40+ 45= 669

The mean will be 669 divided by 12

=669/12

=55.75

Answer:

Controling.

Explanation:

Analyzing the above scenario, it is possible to identify that the process of determining the reason for the higher costs and taking measures to reduce those costs is part of an organization's control management process.

It is essential that each company has a well-established control management system, as a way of positively influencing employees in the company and ensuring that all strategic activities and actions are carried out as planned to achieve organizational objectives and goals.

An effective management control process ensures that companies operate more effectively, improving organizational resource management processes, reducing costs and making management more structured and effective so that a company remains competitive and profitable in the market.

A traditional cover letter’s format includes an introduction, a body and a closing paragraph.

A traditional cover letter’s format includes an introduction, a body, and a closing paragraph.

When applying for employment, you should include a cover letter with your CV. In addition to selling your application, it serves as a personal introduction.

Cover letters are required since they allow you to explain to an employer why you are the ideal applicant for the position.

The majority of your cover letter's content should be factual, with no fluff or generalizations.

Therefore, a standard cover letter has three paragraphs: an introduction, a body, and a conclusion.

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Answer:

State Bank,$16.21

Explanation:

Result part (a): $767.74

Result part (b): $751.53

we note that the results of part (a) is higher and thus State Bank earns more interest.

we are also interested in the difference of the interest:

$767.74 - $751.53 = $16.21

Thus State Bank will result in $16.21 more interest.

Answer:

The planets Mercury, Venus, Earth, and Mars, are called terrestrial because they have a compact, rocky surface like Earth's terra firma. The terrestrial planets are the four innermost planets in the solar system.

Explanation:

The planets Mercury, Venus, Earth, and Mars, are called terrestrial because they have a compact, rocky surface like Earth's terra firma. The terrestrial planets are the four innermost planets in the solar system.

Answer:

that would be the inner four planets-mercury, venus, Earth, and Mars

Explanation:

Terrestial means a planet that has a rocky surface and the only planets that have rocky surfaces are Mercury, Venus, Earth, and Mars, so the answer to your question is, Mercury, Venus, Earth, and Mars are called terrestrial planets.

Answer:

Instructions are below.

Explanation:

Giving the following information:

Selling price per unit $29

Variable expense per unit $18

Fixed expense per month $8,800

Unit sales per month 950

First, we need to calculate the break-even point in units and dollars:

Break-even point in units= fixed costs/ contribution margin per unit

Break-even point in units= 8,800 / (29 - 18)

Break-even point in units= 800 units

Break-even point (dollars)= fixed costs/ contribution margin ratio

Break-even point (dollars)= 8,800 / (11/29)

Break-even point (dollars)= $23,200

Now, the margin of safety in units and dollars:

Margin of safety (units)= (current sales level - break-even point)

Margin of safety (units)= 950 - 800

Margin of safety (units)= 150 units

Margin of safety (dollars)= (current sales level - break-even point)

Margin of safety (dollars)= (950*29 - 23,200)

Margin of safety (dollars)= $4,350

Finally, the margin of safety ratio:

Margin of safety ratio= (current sales level - break-even point)/current sales level

Margin of safety ratio= 4,350/27,550

Margin of safety ratio= 0.16 = 16%

Answer:

Regular savings accounts

Explanation:

Regular savings accounts are also called deposit savings accounts. They are the easiest way to save money in a bank or credit union and receive interest. These types of accounts require a small deposit to open, and the minimum balance is also low. One can avoid monthly charges by maintaining the minimum balance at all times.

The deposit/regular savings accounts are very liquid. Most banks will not have restrictions on the number of deposits and withdrawals per period, say a month. Due to this feature, these accounts earn the lowest interest compared to the other savings accounts. Deposit/ regular accounts are also referred to as transactional savings accounts.  

The other types of savings accounts include Money market accounts and Certificates of deposit accounts.

Answer: The answer is D. A companys Stock

Explanation: Just got it correct on Edg

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Answer:

D, a company's stock

Explanation:

edg2020

Answer:

Explanation:d. an industry that is growing and adding jobs which means it may be easier to get work

Answer:

pop up retail location

Explanation:

Answer:

Within 15 years, lifetime membership is cheaper than annual membership.

Explanation:

Note: The question is incomplete but the complete question is attached as picture

Considering if Lloyd choose to pay $4,500 for lifetime membership fee, then

Future value of Lump sum = PV (1 + i)^n  

Where PV = Present value = $4,500

, i = interest rate = 8.5%

, n = no. of compounding period = 15 years  

So, FV = 4,500 * (1 + .085)^15

= 4,500 * 3.3997428788

= $15,298.84

When Lloyd choose to pay $500 for annual membership fee:

Future Value of annuity due = (1 + r) * P[((1 + r)^n - 1) / r]

where P = Periodic payment = $500

i = interest rate = 8.5%

n = no. of compounding period = 15 years

So, FV of annuity due = (1 + .085) * 500[((1 + .085)^15 - 1) / .085]

= (1.085) * 500[(3.3997428788 - 1) / .085]

= (1.085) * 500 * 28.2322691624

= $15,316.01

So, within 15 years lifetime membership is cheaper than annual membership.

Answer:

I am not sure but it sounds luke the marketing environment or possibly supply and demand+ costomers

Answer:

yes

Explanation:

in business everybody have to face challenges, it may be special or not

in order to expand our business and make it progress.

Answer:

Explanation:

The Business Scientist underpins excellent management and business skills with scientific knowledge, supporting evidence-led decision-making within companies and other enterprises.

Answer:

true

Explanation:

The sentence - "The more employees can do, the less they have to be managed by supervisors" is true.

A supervisor, often known as a leader, is a lower-level management role with control over employees or a workplace. A supervisor can also be one of the most senior members of the organization's employees, such as a professor who monitors a PhD dissertation.

Customers are subjected to lengthy waits, while staff are left feeling disempowered if managers had lot to do than employees.  A second possible reason is an excessive number of supervisory levels. Unnecessary supervisors generate work while reducing efficiency and productivity. Companies frequently underestimate the true cost of all those supervisors.

Therefore, it can be concluded that above sentence is true.

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Answer:

1.55%

Explanation:

Computation of current rate to be on 2-year Treasury securities

Current rate (2) = ((1 + Current rate(1)) * (1+After a year rate(1))^(1/2) - 1

= ((1+1.45%)*(1+1/65%))^(1/2) - 1

= ((1+0.0145)*(1+0.0165))^(1/2) - 1

= ((1.0145)*(1.0165))^(1/2) - 1

= 1.03123925^(1/2) - 1

= 1.01549950763 - 1

= 0.01549950763

= 1.549951

= 1.55%

Thus, the current rate on 2-year treasury will be 1.55%

Explanation:

They all have a cycle, and have something to do with money. The merchandisers promote the items, people sell them , and purchasers buy them. Simple.

Answer:

i agree with her/him They all have a cycle, and have something to do with money. The merchandisers promote the items, people sell them , and purchasers buy them.

Explanation:

Explanation:

Resistance to change occurs when there is some kind of change in the organization, such as changes in the structure of the business, changes in teams, technologies, etc.

This is because there is insecurity in employees, often due to lack of sufficient information about the change and fear of not being able to adapt.

To eliminate employee resistance, company managers must communicate how the change will occur and why it is necessary, listing the positives of the changes and the benefits it will bring to the organization, enabling feedback so that employees feel included and their perception be positive.

Answer:

a. The arithmetic average time-weighted rates of return for the investor is 2.93%, while the geometric average time-weighted rates of return for the investor is 2.08%

b. The total cash flow for each year are as follows:

January 1, 2015 Total Cash Flow  = -$700

January 1, 2016 Total Cash Flow = -$457

January 1, 2017 Total Cash Flow = $156

January 1, 2018 Total Cash Flow = $979

Explanation:

Note: This question is not complete and the data in need are merged together. The complete question with the sorted data is therefore provided before answering the question. See the attached pdf file for the complete question with the sorted data.

The explanation to the answer is now given as follows:

a. What are the arithmetic and geometric average time-weighted rates of return for the investor? (Do not round intermediate calculations. Round your answers to 2 decimal places.)

The formula for calculating each of the arithmetic and geometric return are given as follows:

Arithmetic average return = Sum of returns/ number of years ……………….. (1)

Geometric average return = n * ((1+r1)*(1+r2)*(1+r3)…(1+rn)^(1/n) - 1 .……….. (2)

Where;

n = years 1, 2, 3….

r1, r2, r3…are the returns for year 1, 2, 3….

Return for each year = (capital gains + dividend) / Previous year Beginning-of-Year Price

Where;

Capital gains = Current year Beginning-of-Year Price – Previous year Beginning-of-Year Price

Therefore, we have:

Return for each year = ((Current year Beginning-of-Year Price – Previous year Beginning-of-Year Price) + dividend) / Previous year Beginning-of-Year Price ………………. (3)

Using equation (3), we have:

2016 Return = ((159 - 140) + 4) /140 = 0.164285714285714

2017 Return = ((132 - 159) + 4} /159 = -0.144654088050314

2018 Return = ((137 - 132) + 4) /132 = 0.0681818181818182

Using equation (1), we have:

Arithmetic mean = (2016 Return + 2017 Return + 2018 Return) / 3 = (0.164285714285714 - 0.144654088050314 + 0.0681818181818182) / 3 = 0.0292711481390727, or 2.92711481390727%

Approximating to 2 decimal places, we have:

Arithmetic mean = 2.93%

Using equation (2), we have:

Geometric mean = ((1 + 2016 Return) * (1 + 2017 Return) * (1 + 2018 Return))^(1/3) - 1

Geometric mean = ((1 + 0.164285714285714) * (1 - 0.144654088050314) * (1 + 0.0681818181818182))^(1/3) - 1

Geometric mean = 1.02081923500671 - 1

Geometric mean = 0.02081923500671, or 2.081923500671%

Approximating to 2 decimal places, we have:

Geometric mean = 2.08%

Therefore, the arithmetic average time-weighted rates of return for the investor is 2.93%, while the geometric average time-weighted rates of return for the investor is 2.08%.

b. Prepare a chart of cash flows for the four dates corresponding to the turns of the year for January 1, 2015, to January 1, 2018.

Note: See the attached excel file for the chart of cash flows for the four dates corresponding to the turns of the year for January 1, 2015, to January 1, 2018.

In the attached excel file, Beginning-of-Year Price for January 1, 2015 and January 1, 2016 are used as negative figures because the purchase of stock will result in a cash outflow.

Answer:

$615,304.33

Explanation:

In order to solve this, we need to use the compound interest formula to calculate the final amount after deducting the 8% for 19 years. The formula is the following...

[tex]A = P(1 + \frac{r}{n} )^{nt}[/tex]

Where:

A = the future value of the investment/loan, including interest

P = the principal investment amount (the initial deposit or loan amount)

r = the annual interest rate (decimal)

n = the number of times that interest is compounded per unit t

t = the time the money is invested or borrowed for

Now we plug in the values and solve for A

[tex]A = P(1 + \frac{r}{n} )^{nt}[/tex]

[tex]A = 3000000(1 + \frac{-0.08}{1} )^{(1)(19)}[/tex]

[tex]A = 3000000(0.92 )^{19}[/tex]

[tex]A = 3000000 * 0.2051[/tex]

[tex]A = 615,304.33[/tex]

Therefore, the final lump sum payout would be $615,304.33

Answer:

its c

Explanation:

Answer:

C.

to share information with students

Explanation: