True, replacement involving a life policy or annuity includes; lapsing a policy, converting to reduced paid-up insurance, and Reissuing a policy with a reduction in cash value.
An insurance policyholder and an insurer or assurer enter into a contract for life insurance under which the insurer agrees to pay a predetermined beneficiary a certain amount of money in the event that the policyholder dies. Other occurrences, like critical illness or terminal illness, may also result in payment, depending on the terms of the contract. Benefits from life insurance policies may be used to assist with final expenses after your death. Funeral or cremation expenses, uninsured medical expenses, estate settlement costs, and other unpaid debts may fall under this category. A life policy can be helpful, especially for parents of young children, people who support a spouse, and people who care for the disabled. Though, It is not necessary for life insurance to be a part of everyone's estate plan.
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which step in the decision-making process would help you in deciding how much money you want to make at work?
Selection is the step in decision making process that helps in deciding money one want to make at work.
As before switching a work or joining a new work a person always see the perks , payment and the benefits available to them. The decision making process helps one person to choose the best from the various options and alternatives available to them.
The decision making process is the most important of all the things one is interested and invested in which helps the person to make the process much easier to decide what one wants in their way to come.
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Purchased goods from Rs 15000 Paying rs 5000 cash and rest by cheque
Purchase A/c Dr 15000
To Cash A/c 5000
To Bank A/c 10000
Purchase is a type of nominal account where all expenses are debited and whenever a payment is made through cash or bank it is always credited as Dr what comes in credit what goes out.
A bank is a monetary organization that accepts deposits from the public and creates a call for deposit even as concurrently making loans. Lending sports can be without delay carried out through the bank or in a roundabout way via capital markets.
A bank is an economic group this is licensed to accept checking and financial savings deposits and make loans. Banks additionally provide related services including person retirement bills (IRAs), certificates of deposit (CDs), foreign exchange, and safe deposit boxes.
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sam borrows money at 8% per year for 2 years. he paid $124 interest. how much did he borrow? group of answer choices a.
Based on the amount of interest that Sam paid, the amount that he borrowed can be found to be $775
What amount did Sam borrow?The $124 that Sam pays for interest represents 8% in two years since he borrowed the money.
This means that the amount per year is:
= 124 / 2
= $62
$62 is 8% of the value that Sam borrowed.
That amount is:
= 62 / 0.08
= $775
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at the beginning of this year, daily consumption of gasoline in the us amounted to 344 million gallons. it is estimated that for every 10% increase in the price of gasoline, quantity demanded falls by 2.0%. by the end of this year, the price of gasoline is expected to increase by 40 cents from $ 2.85 per gallon. based on this information, what is the expected quantity demanded (qd) for gasoline at the end of this year? please specify your answer to one decimal place.
The expected gasoline quantity at end of the year is 332.7 million gallons.
What do you mean by gasoline?Petroleum-derived combination of flammable, volatile liquid hydrocarbons used as fuel for internal combustion engines; often spelled gasolene, gas, or petrol. A mixture of liquid aliphatic and aromatic hydrocarbons with carbon atom counts between C4 and C12 and boiling temperatures between 30-225°C makeup up gasoline, a petroleum-derived product. The main constituents are a blend of olefins, aromatics, kinds of paraffin, and naphthenes. Petroleum is processed into gasoline, which is made up of a blend of hydrocarbons, additives, and blending agents. The crude oils used, the refinery methods available, the overall balance of product demand, and the product specifications all have a significant impact on the composition of gasoline.
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According to the presentation, _____________ systems allow employees to track their performance and receive ongoing feedback.
Answer:
I think it’s a b c I could give you the d later
the continuously compounded annual rate of return that would increase the value of an investment by 20% in three years is closest to:
The right Response is Option B 6.1%
ln ( 1.20 ) / 3 = 0.0608 or 6.08%
Annual Rate of Return
By dividing the total gain or loss at the end of the year by the initial investment made at the beginning of the year, the annual rate of return is determined. The annual rate of return or nominal annual rate are other names for this approach.How to determine yearly rate of return is as follows:The amount of money you gained or lost at the end of the year ("end of year price" or "EYP") is equal to the original investment you made at the start of the year ("beginning of year price" or "BYP"). ...To calculate the percentage, multiply the value by 100.To Learn more about Annual Rate of Return, Click the links.
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how did henry ford affect the automobile industry? he made car production cheaper by improving the assembly line.
Henry ford affects the automobile industry by making car production cheaper by improving the assembly line. Thus the correct option is A.
What is the automobile industry?The automobile industry refers to a segment of business that deals with automobile vehicles and includes, the production and assembly of auto parts and the selling of motor vehicles.
Ford affects the automobile industry by improving its production process with the assembly line and establishing car production cost-effective manner and affordable for everyone.
Therefore, option A is the appropriate answer.
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The incomplete question is
How did Henry Ford affect the automobile industry?
He made car production cheaper by improving the assembly line.
He made car production more expensive by making more luxury cars.
He made car production more expensive by mass-producing vehicles.
He made car production cheaper by using customized parts.
jason went to an automobile dealership to buy a car, and he spent two hours talking to an employee about options. this element of marketing communications is called .
Jason element of marketing communications is called personal selling.
What is personal selling?The term Personal selling is said to be a word that connote the act of face-to-face selling where a single person who is said to be called the salesman tries to influence the customer into purchasing a product.
Note that this is a promotional strategy that is often by the salesperson so that they can uses their skills and abilities to influence sale.
Therefore, based on the above, Jason element of marketing communications is called personal selling.
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in the citric acid cycle what is converted to what? acetyl-coa, nad , fad, and gdp to co2, nadh, fadh2, and gtp
The reaction involved is Acetyl CoA + 3NAD+ + FAD + GDP + Pi +2H2O 2CO2 + 3NADH + FADH2 + GTP + 2H+ + CoA . Therefore it involves all these elements.
The 10 chain reactions that make up the citric acid cycle are monitored by 8 different enzymes. The mitochondria are the site of all reactions in the citric acid cycle.
What is the citric acid cycle?The Krebs cycle also called the TCA cycle (tricarboxylic acid cycle) or the citric acid cycle (CAC), is a series of chemical reactions that release stored energy by oxidizing acetyl-CoA derived from carbohydrates, fats, and proteins. Instead of fermenting, organisms that respire use the Krebs cycle to produce energy, whether through anaerobic or aerobic respiration. The cycle also provides precursors of some amino acids and NADH, a reducing agent that is used in a variety of other reactions. It was likely one of the earliest elements of metabolism and may have come about abiogenically given its central role in many biochemical pathways.
Although the citric acid cycle is referred to as a "cycle," there are at least three other segments that can be followed
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if 24 million kegs of beer are sold, , which means that: it would be more efficient for society to devote fewer resources to the production of beer. it would be more efficient for society to devote more resources to the production of beer. it would be fairer for society to devote more resources to the production of beer. it would be fairer for society to devote fewer resources to the production of beer. if 8 million kegs of beer are sold, , which means that: it would be more efficient for society to devote fewer resources to the production of beer. it would be fairer for society to devote more resources to the production of beer. it would be fairer for society to devote fewer resources to the production of beer. it would be more efficient for society to devote more resources to the production of beer. the efficient allocation of resources would result in the production of kegs of beer.
Part I - If 8 million kegs of beer are sold, MB surpasses MC, implying: More resources devoted to the manufacturing of beers would be more efficient for society. Hence (Option B) is correct.
This is because when marginal benefit exceeds marginal cost, the benefit earned by producing an additional unit of that product overcomes the expense of producing it. As a result, it is preferable to produce more until MB equals MC.
What is Marginal Benefit?A marginal benefit is a modest but demonstrable benefit that a buyer receives by purchasing an additional unit of an item or service.
As a customer decides to consume more of a single commodity, the marginal benefit typically decreases. Assume a customer orders a ring for her right hand.
Part II -
If 24 million kegs of beer are sold, MC surpasses MB, implying:
It would be more efficient for society if less resources were dedicated to the manufacturing of beverages.
This is because when the marginal cost exceeds the marginal benefit, the benefit from an extra unit of production of that good is less than the cost of production. As a result, it is better to create less until MB equals MC. Hence (Option E) is the correct answer.
Part III -
The best resource allocation would lead to the manufacturing of 16 million kegs of beer.
This is due to the fact that optimal allocation occurs when MB equals MC. And in this scenario, MB = MC happens when 16 million kegs of beer are created.
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Full Question:
See attached images:
the amount each resident would be willing to pay for the socially efficient level of planter boxes equals
The amount each resident will be willing to pay for the socially efficient level of planter boxes equals $0.50. Thus, option C is correct.
What is demand?Demand can be defined as the product or service that the customer is willing to pay for.
The aggregate demand
P= 10-0.5Q
P (10~0-59) P = 5000 - 25069
= 500
Marginal Cost = 250
At equilibrium MC will be
5000 -2509 = 250
4750/250
= 19
Substituting Into equation (i)
P = 500 (10-05 (19)) р = 250
Aggregate price = 250
Individual price = Agg price Number of years
= 250/500
= 1 /0.5
= 0.50
The amount each resident will be willing to pay equals $0.50. Therefore, option C is the correct option.
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The question is incomplete, the complete question will be:
A small town has 500 year round residents, all of whom enjoy flowers planted on its main avenue. Each resident has an inverse demand of
P= 10-0.5Q
If the marginal cost of planting flowers is equal $250 per planter box, the amount each resident will be willing to pay for the socially efficient level of planter boxes equals,
a. $250
b. $4.75
c. $0.50
d. $9.50
puritan apparels is a clothing retailer. unit costs associated with one of its products, product ahf 130, are as follows:follows: direct materials $110 direct manufacturing labor 90 variable manufacturing overhead 45 fixed manufacturing overhead 33 sales commissions (2% of sales) 10 administrative salaries 28 total $316 what are the variable manufacturing costs per unit associated with product ahf 130?
The variable manufacturing cost per unit associated with product agf 130 is $ 11.
Variable production references the tendency for versions to arise in the prices of related manufacturing. In different phrases, the fee for producing a product isn't always solid. Variable production overhead costs range based totally on how much the organization produces. Examples of variable production overhead include production device substances, replacement system components, and manufacturing facility manager manufacturing bonuses.
Wages paid to the manufacturing facility labor are costs that can be at once proportional to the level of production. If 0 output is being produced then these charges do now not must be incurred. those expenses range with the level of output produced. consequently, they may be classified as variable fees. constant fees include various oblique prices and glued manufacturing overhead prices. Variable costs include direct exertions, direct substances, and variable overhead.
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how the behavioral decision-making model was applied in the wcps's decision to shut down its campuses.
The behavioral decision-making model turned into implemented in the wasps' selection to close down its campuses: The selection to shut the north Phoenix vicinity.
Behavioral decision-making is the observation of affective, cognitive, and social processes which humans appoint to become aware of and select alternatives. those procedures are guided with the aid of the values, beliefs, and possibilities of the selection maker, producing a very last desire and swaying conduct.
management specialists have developed a 'behavioral method' that's realistic in step with the call for the situation. This technique is pragmatic and holds the view that a manager is a human being and can not be completely rational due to the fact he is faced with many constraints, troubles, obstacles, and inadequacies.
Behavioral decision-making goals to tricky the factors of judgment and choice behavior in conjunction with great expertise of psychology which helps in enhancing the choice-making conduct of a person.
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now that there is so much information easily available on the internet, it is not uncommon for individuals to copy skills from resume templates to make themselves look more attractive to a recruiter. knowing this, davis recruiting has created a test to see if what is on the candidate’s application are real skills that the candidate has. davis recruiting is testing validity.
Davis recruiting is testing content validity. Thus, option D is correct.
What is recruiting?The practice of constantly pursuing, locating, and employing individuals for a certain post or career is known as recruitment.
The complete employer brand, beginning with the initial stages of the volunteer's incorporation into the business, is covered by the term recruiting.
Examining content validity determines that it is comprehensively reflective of the concept.
This is to make sure that their test that will be taken online shall consist of every data and all the subjects. Therefore, option D is the correct option.
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The question is incomplete, the complete question is:
criterion-related
predictive
concurrent
content
probabilistic
carla lopez deposits $3,400 a year into her retirement account. if these funds have an average earning of 9 percent over the 40 years until her retirement, what will be the value of her retirement account?
The value of her retirement account $1,148,798.8
Annuity table factor
FV = PMT × FV
= $3,400 *337.882 = $1,148,798.8
FV = Future value
PMT = Periodic payment
PV = Present value
The commonly held hypothesis that there is a higher benefit to receiving a sum of money now rather than an identical sum later is known as the time value of money. It could be interpreted as a consequence of the later-developed idea of temporal preference.
When assessing the opportunity costs of spending money instead of saving or investing, the time value of money is one of the considerations taken into account. Whether it is interest on a loan or a bank deposit, it makes up for the depositor or lender's loss of access to their funds.
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fsa what percentage of your gross salary does the consumer financial protection bureau suggest your student loan payment be in order to be affordable and limit your risk of delinquency and default
To maintain a low student loan repayment burden, the Consumer Financial Protection Bureau suggests student loan payments should not exceed 8% of your gross salary. A student loan is a form of loan that is intended to assist the students in paying for post-secondary education and associated fees such as tuition, books and supplies, and living expenses.
It may differ from the other forms of loans in that the interest rate is significantly lower and the re- payment plan is deferred while the student is still enrolled in the school. Many countries also have strong laws governing the renegotiating and bankruptcy.
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astro turf company recognizes an expense, cost of goods sold, in the period the product is manufactured
The accounting principles violated in the above case are Expense Recognition and Historical Cost.
1) Expense Recognition: According to this principle the expenses should be recognized or recorded or accounted for in the same period as the profits associated with those expenses are recognized. It is also known as Matching Principle.
2) Historical Cost: According to this accounting principle all the assets must be recorded at their historical cost which includes those expenses also which are incurred to install that asset.
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data includes information collected from national tv ratings, mystery shopper experiences, and neuromarketing techniques collected for the project at hand.
The technique used for collecting information collected is known as Primary observational. Therefore, Option 3 is the correct choice.
What is Primary observational?
This approach of Primary observational entails going outside and observing while gathering information using your five senses. Anywhere a person establishes a particular set of criteria, features, or characteristics and then examines something for those features or characteristics is where observation is used as a primary research method.
Therefore, The technique used for collecting information collected is known as Primary observational. Option 3 is the correct choice.
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"Your question is incomplete, probably the complete question/missing part is:"
A) Secondary external
B) Secondary internal
C) Primary observational
D) Primary questionnaire
i n this chapter, henry a. (hank) rosso offers his philosophy of fund raising, a philosophy developed over a lifetime of work as a fund raiser, consultant, and teacher. the principles on which he founded the fund raising school in 1974 have stood the test of time and culture. so has his philosophy for fund raising. that is why his original chapter in achieving excellence in fund raising is included in this second edition unaltered and in its entirety. a central theme in hank’s philosophy and in the way he approached his work was that "fund raising is the servant of philanthropy." he opened and closed the first chapter of his book with that theme. fund raising is not an end in itself. when it becomes that, b
When it becomes that, both the organization and philanthropy are decreased. Raising support, in Hank's view, was just a necessary evil that laid on hierarchical mission. The points of support that help Hank's focal topic are as significant today as they were in 1991.
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Read carefully from the passage 2.
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comprehensive income includes all of the following except group of answer choices interest earned on investments translation adjustments on foreign currency restructuring charges investments by owners.
One thing that comprehensive income does not include is investments by owners.
What goes into comprehensive income?The comprehensive income of a company refers to any income that results from changes in equity in a given period. These include translation adjustments on foreign currency and restructuring charges, as well as interest earned on investments.
It does not however, include any transactions that have to do with investments by the owners. Also, distributions to owners are not included as well.
In conclusion, the comprehensive income section of the balance sheet does not include investments by owners.
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during an audit of sydney's pet supplies, a public company, the auditor was not able to gather sufficient appropriate evidence and could not express an opinion on the financial statements. which type of audit report should be issued?
The fact that the auditor was not able to gather sufficient appropriate evidence and could not express an opinion means that the type of audit report that will be issued is a Disclaimer of Opinion.
What is a Disclaimer of Opinion?This is a type of audit report where an auditor says that they are not able to give an opinion on the financial statements of a company.
This can happen for any of several reasons and one of them is that the auditor was not given access to enough evidence and financial statements to to properly express an opinion on the statements involved.
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ada inc. stopped its production of oral care goods after determining apparel production to be its new primary objective. this is a direct result of the planning process at ada inc.
Ada Inc. stopped its production of oral care goods after determining apparel production to be its new primary objective, which is a direct result of the c. strategic planning process at Ada Inc.
What is the role of strategic planning?Strategic planning provides long-term direction to an organization's decision-makers.
Strategy planning helps the organization's leaders define their vision for the future and to marry their organization's goals and objectives with available and future resources.
The elements captured in strategy planning include the organization's vision, mission, SWOT analysis, core values, goals, objectives, and action plans.
Strategy planning remains a mere planning process until the formulated strategies go through these stages: formulation, implementation, successful outcomes, and evaluation.
Thus, at Ada Inc., there is an ongoing strategic planning process.
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Question Completion with Answer Options:a. tactical
b. research
c. strategic
d. economic
a major advantage of licensing is multiple choice these arrangements almost always lead to a joint venture. very little cost to the licensor. the bulk of the revenues gained by the licensee come back to the licensor. your company name does not need to be associated with the product in a foreign country.
A major advantage of licensing is very little cost to the licensor.
A license is respectable permission or permit to do, use, or own something. A license is granted by way of a celebration to any other birthday party as an element of a settlement between the one's events. In the case of a license issued by means of a central authority, the license is acquired by using making use of it.
Licensing includes obtaining permission from an organization (licensor) to fabricate and sell one or more of its products within a described market location. The business enterprise that obtains those rights (the licensee) normally agrees to pay a royalty rate to the authentic proprietor.
In business, licensing is a contractual settlement between business entities in which one employer leases its highbrow property (IP) to some other business enterprise under unique terms and situations.
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les moore retired as president of goodman snack foods company but is currently on a consulting contract for $61,000 per year for the next 14 years. use appendix b and appendix d for an approximate answer, but calculate your final answer using the formula and financial calculator methods. a. if mr. moore’s opportunity cost (potential return) is 8 percent, what is the present value of his consulting contract?
The present value of his consulting contract is $502,898.46.
Annual payment = $61,000
Opportunity cost = 8%
Number of payments = 14
Present value of payments = $61,000/1.08 + $61,000/[tex]1.08^{2}[/tex] + ... + $61,000/[tex]1.08^{13}[/tex] + $61,000/[tex]1.08^{14}[/tex]
Present value of payments = $61,000 * (1 - [tex](1/1.08)^{14}[/tex]) / 0.08
Present value of payments = $61,000 * 8.244237
Present value of payments = $502,898.46
Therefore, the Present value of payments is $502,898.46.
The present value of an annuity is the current value of future payments from an annuity, given a specified rate of return, or discount rate. The higher the discount rate, the lower the present value of the annuity.
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it takes a barber 10 minutes to serve one customer. note: round your answers to 2 decimal places. what is the capacity of the barber expressed in customers per hour? assuming the demand for the barber is 2 customers per hour, what is the flow rate? assuming the demand for the barber is 2 customers per hour, what is the utilization? assuming the demand for the barber is 2 customers per hour, what is the cycle time?
The capacity of the barber expressed is 6 customers per hour.
The flow rate is 2 customers per hour
The utilization is 33%
The cycle time is 19.8 minutes per customer.
What is Flow rate?Flow rate is the flow that is available for a specified period of time, the flow for a production or customer is determined as per the demand of the service or product.
In the scenario the flow rate is 2 customers per hour. However the capacity of the barber is 6 customers per hour as (60 mins / 10 min per customer).
Utilization is 33% as (flow / Capacity) (2 / 6). This is the total utilized time for the customers available. This represents that only 33% of the capacity of the barber is utilized.
The cycle time is 19.80 minutes per customer if the demand is 2 per hour. (utilization / minutes in an hour) (33% / 60).
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network externalities multiple choice may be indirect. may be direct. may be positive and direct or indirect. may be positive.
Network externalities are of the statements associated with the question are correct. A network externality is nothing but the effect a product has on the user while others use the same product.
A network consists of extra computers which are connected in a good way to percentage assets (along with printers and CDs), change documents, or allow electronic communications. The computers in a community may be linked thru cables, cellphone strains, radio waves, satellites, or infrared light beams.
A community is a set of computers, servers, mainframes, community gadgets, peripherals, or different devices linked to allow information sharing. An instance of a network is the net, which connects thousands and thousands of people all around the globe.
Pc networking refers to interconnected computing devices that may exchange information and percentage resources with each different. These networked gadgets use a device of policies, called communications protocols, to transmit data over bodily or wi-fi technologies.
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Does the state of the US economy have an effect on local businesses started by entrepreneurs? Please explain your answer.
The state of the United States' economy has an effect on local businesses that are started by entrepreneurs as it determines the amount of sales that the local business would make.
How does the U.S. economy affect local businesses?The state of the U.S. economy determines the income level of the average person in America. If the economy is doing well, then people generally have more income than if the economy is performing poorly.
When the economy is doing well and people have more income, they will be able to buy more goods and services from businesses including the local businesses established by entrepreneurs. If the reverse is the case, then local businesses would generally suffer when the economy is bad and people have less income.
There are also local businesses that see their income increase when the economy is doing poorly for instance, financial planners and health care.
In conclusion, local businesses started by entrepreneurs get affected by the state of the U.S. economy.
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Max weber coined the term ________ to denote the tendency on the part of protestants to work hard and accumulate wealth.
The term "Protestant work ethic" was created by Max Weber to describe the propensity of protestants to put in a lot of effort and amass money.
MEANING
In sociological theory, the Protestant ethic refers to the importance placed on diligence, thrift, and effectiveness in one's worldly calling, which, particularly in the Calvinist view, were considered indicators of a person's election, or everlasting salvation.
In The Protestant Ethic and the Spirit of Capitalism (1904–1955), German sociologist Max Weber argued that the Protestant ethic played a significant role in the economic success of Protestant groups during the early stages of European capitalism. Because worldly success could be perceived as a sign of eternal salvation, it was fervently pursued.
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over the last several decades, the number of manufacturing jobs have decreased in the united states and have increased in other countries, such as mexico. the u.s. also exports goods to mexico. most exports are agricultural products like corn, soybeans, and dairy, but exports also include intellectual property. this information suggests that mexico has a opportunity cost of manufacturing goods relative to the united states. the united states must have a in producing .
This information suggests that Mexico has a lower opportunity cost of manufacturing goods relative to the US. The United States must have a comparative advantage in producing both agricultural products and intellectual property.
What is the opportunity cost of production?The manufacturing jobs are decreasing in the United States and they are increasing in Mexico. This tells us that the Mexicans are exporting manufactured goods to US. A nation would have to export a good if it has lower opportunity cost in creating the good.
What is the comparative advantage?The US would engage in the exportation of agricultural goods and intellectual properties to the Mexicans. Software are a part of intellectual property. It is advised that nations export the goods which they have the comparative advantage in making.
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lupe is ready to open a checking account.what does she need to have when she goes to the bank? check all that apply.identificationher most recent bank statementher social security numberproof that she is a studentproof of her addressmoney to deposit
Lupe is ready to open a checking account. She needs her
identification , her Social Security number , proof of her address , money to deposit.
Identification is a mental procedure wherein the character assimilates an element, assets, or characteristic of the alternative and is converted utterly or partly by the model that different provides. It's far with the aid of a chain of identifications that the personality is constituted and distinct.
What's the example of Identification?
The definition of Identification is the record along with your photo and personal records. A driver's license is an instance of identity.
What's specify identification?
The specific identification technique pertains to inventory valuation, especially retaining music of every particular object in inventory and assigning costs individually as opposed to grouping objects together. It's miles useful and usable when a organization is able to identify, mark, and tune every item or unit in its stock.
What are the two forms of private identification?
(1) The varieties of non-public identity documents are as follows: 1) an identification card; 2) a passport.
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