Th illumination stage is the stage at which the ideas from creative thinking began to flow.
What is a creative thinking?This refers to a thinking process that is intented to gain a new insights and different ideas through existing information
The stages of the creative thinking includes:
PreparationIncubationIlluminationEvaluationVerificationIn conclusion, the illumination stage is the stage at which the ideas from creative thinking began to flow because the ideas are been illuminated from the mind.
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Among the four-step process for organizing creative thinking, the step of thinking which involves ideas beginning to flow is the Illumination.
What is a creative thinking?The Creative thinking is defined as the thinking procedure that is intended to obtain a fresh perception and different ideas through existing information.
These behaviors can assist companies in developing services, products and other offers that set them apart from their competition.
Stages of Creative thinking:
There are Four stages of the creative thinking:
Preparation Incubation Illumination EvaluationTherefore, illumination phase is the phase at which the thoughts from creative thinking start out to flow because the thoughts are being illuminated from the mind.
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With a 10% reserve requirement ratio, a $100 deposit into new bank means that the maximum amount new bank could lend is.
Answer:
If the reserve requirement is 10%, the deposit multiplier means that banks must keep 10% of all deposits in reserve, but they can create money and stimulate economic activity by lending out the other 90%. So, if someone deposits $100, the bank must keep $10 in reserve but can lend out $90.
Explanation:
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F. What effect does a low unemployment rate have on business? what effect does a high unemployment rate have on business?
Answer:reduces the productivity of the company as a whole<3
Explanation:
It comes when there's an increase demand for labor because of low unemployment. With less people available for work, employers have to increase their wages to find, and keep, employees. This can cause some organizations to settle for less-talented workers, which again reduces the productivity of the company as a whole
The effect of low unemployment rate on business is that the productivity of business will fall, and the effect of high unemployment rate on business is that the productivity of business will raise.
What is unemployment rate?The unemployment rate refers to the state of being unemployed. The unemployment rate is derived by dividing the total number of people in the labor force by the number of people who are jobless.
The labor force is the total number of people who are employed and unemployed. A low unemployment rate has the impact of lowering business productivity, whereas a high unemployment rate has the effect of increasing business productivity.
Therefore, the unemployment rate is defined as the state of being unemployed.
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The downsloping aggregate demand curve can be explained by.
The downsloping aggregate demand curve can be explained by interest-rate effect
What is aggregate demand curve?Aggregate demand curve is a demand curve that shows or indicate all the money spent on the purchase of goods and services.
The goods and services represented on the curve are domestic i.e household and the price at each level is also indicated.
The curve can be explained by the knowing the rate if interest on the goods.
Therefore, The downsloping aggregate demand curve can be explained by interest-rate effect.
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how can asking for help with your work be an advantage
It will be an advantage if you answer your questions again after getting help.But without looking at the answers you got from friends and compare it later to see if your answers were alike or not.
what are some economic choices teasha had to make
Answer:
The human resources that will be required by Teasha to open her business include a receptionist, cashier, and salesperson.
From the information given, Teasha has graduated from school and wants to open her own business. She has experience working in a gift store and wants to have her own gift store too.
Therefore, she'll need a receptionist, a cashier, and a salesperson. The receptionist will welcome customers and answer phone calls from clients.
The cashier will help with issuing and receiving payments. Lastly, the salesperson will be responsible for helping the customers find items in the store and increasing sales.
Explanation:
kb uses water treatment recycling technologies due to lack of rain
Answer:
hello and i am only putting this because i have to complete this
An investment promises to return $1,000 at the end of each of the next 5 years and then $2,000 at the end of each of the next 10 years (years 6 through 15). what is the value of this investment today at a 4% interest rate?
Answer:
sorry i dont know i was trying but cant figure it out
Explanation:
Walmart sells a bike that cost $100 to a customer for $250 cash. using a perpetual inventory system, the entry to record the sale includes a debit to and credit to for $250. the entry to record the cost of the sale includes a debit to cost of goods sold and a credit to for $100.
i. true
ii. false
1. Using a perpetual inventory system, the entry to record the sale for Walmart includes a debit to the Cash account and a credit to the Sales Revenue account for $250.
2. The entry to record the cost of the sale under the perpetual inventory system includes a debit to the cost of goods sold and a credit to Inventory for $100.
What is the perpetual inventory system?The perpetual inventory system can be differentiated from the periodic inventory system by the fact that perpetual inventory continuously updates the inventory value without relying on the physical inventory count.
Under this system, the cost of goods sold is debited and the inventory account is credited.
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Choose a company you frequently buy from.
For example: Nike, McDonald's, Wawa
Now, identify that company's target market and marketing mix.
Coca Cola follows a price discrimination strategy in its marketing mix and the target market is younger customers within the age bracket of 10-25.
What is Marketing mix?These are set of marketing tools that the firm uses to pursue its marketing objectives in the target market.
Coca Cola follows a price discrimination strategy in its marketing mix means that they charge different prices for their products and its target market are young customers.
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Which of the following factors are considered when calculating gdp? i. goods produced within a country by citizens of that country ii. goods produced within a country by residents who are not citizens iii. goods produced within a country for use in production of other goods iv. goods produced by a country’s citizens outside of its borders a. ii and iii b. i only c. i and ii d. i, ii, iii, and iv
Gross domestic product (GDP) is the total amount or market worth of all finished products and services produced within the borders of a country in a given time period.
How is GDP calculated?GDP is often estimated on an annual basis, but it is also measured quarterly. The government of the United States, for example, produces an annualized GDP assessment for each fiscal quarter as well as for the entire calendar year.
The various data sets included in this study are presented in real terms, which means that the data has been adjusted for price changes and is thus net of inflation.
Thus, Option D is correct about the factors of GDP.
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1.24. If an investor borrows $100 and pays back $100 after a year to settle his loan, it implies that the rate of interest is ________. A) 0 percent B) 1 percent C) 10 percent D) 100 percent
,If an investor borrows $100 and pays back $100 after a year to settle his loan, it implies that the rate of interest is 0%
What is Interest Rate?This refers to the added amount which is to be repaid with respect to a loan after a given time period.
With this in mind, we can see that because after a period of 1 year, the principal amount which is $100 is paid back without any additional charge, then the rate of interest on the loan is 0%.
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Inseparability in services refers to the fact that.
Inseparability refers to : The consumer cannot distinguish between the service provider from the service itself.
What Is Service Inseparability?Service inseparability means that the production and consumption of a service can't be separated from the provider of that service. It also requires that a customer is physically participating in the consumption of the service.
The above means every part of the experience is tied together. A customer can't separate the consumption of the service they've purchased from the provider.
Hence, Inseparability means consumer cannot distinguish between the service provider from the service itself.
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Marginal cost increases as the quantity of output increases. This reflects the property o
The property of marginal cost increasing as the quantity of output increases is known as diminishing marginal product.
What is diminishing marginal product?
Diminishing marginal product states that says as more units of a variable input of production is added to a fixed factor of production, output might increase initially but after a point total output would increase at a decreasing rate and marginal product would begin to decrease.
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Marginal cost increases as the quantity of output increases. This reflects the property of diminishing marginal product.
What do you mean by Marginal cost?Marginal cost refers to the change in total production cost by producing one additional unit.
A company can maximize its profits by producing to where marginal cost equals marginal revenue. The law of diminishing marginal product where an advantage can be gained for a factor of production.
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resoudre cette equation suivante. 5 - 6 = 3 +2 x. aidez moi svp .. reponse
Answer :
-2
5-6=3+2x
-1=3+2x
-1-3=2x
-4=2x
-4/2=x
-2=x
How many times has an inverted yield curve predicted a recession.
Answer:
[tex]says 10 - and - 2 \: yield \: curve \: has \: inverted \: 28 \: times [/tex]
Revenue and expenditures are sitting on a balance at the same level. This diagram shows a government’s budget. Which of the following words can best be applied to this budget? unbalanced balanced deficit surplus.
The government’s budget is balanced when the Revenue and expenditures are sitting on a balance at the same level. Option B is correct.
What is government budget?A government budget is a document created by the government or the other political institution that outlines anticipated tax revenues and proposed expenditure for the new financial year.
The budget is introduced to the legislature in most parliamentary systems, and it typically involves authorization.
Provided that the box dimensions symbolize the lengths of a state's revenues and expenditures, and that the two sizes are equivalent, the budget is called the balanced budget, as Revenue=Expenditure.
If in the second condition, if the two sizes are not equivalent then the budget would be called as the unbalanced budget, and then deficit will occur if the expenditure > revenue and the Surplus will make if revenue > expenditure.
Therefore, option B is correct.
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Answer: B
Explanation: takin test now
Fancy Nails' budgeted revenue is $20 per manicure. The planning budget for June was based on 2,400 manicures. During June, the actual revenue was $49,750 for 2,500 manicures. The revenue variance for June is ______.
Based on the information given the revenue variance for June is : $250 Unfavorable
Revenue VarianceUsing this formula
Revenue variance=(Flexible budget-Actual revenue)
Let plug in the formula
Revenue variance=($20 per manicure x 2,500 manicures)-$49,750
Revenue variance=$50,000- $49,750
Revenue variance = $250 Unfavorable
Inconclusion the revenue variance for June is : $250 Unfavorable.
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The accounts receivable turnover ratio is calculated by:.
Answer:
It is calculated by dividing net credit sales by average accounts receivable
Explanation:
The federal funds rate is typically ________ the primary credit lending rate. a. greater than b. equal to c. less than d. None of these choices are correct.
The federal funds rate is typically equal the primary credit lending rate.
What is federal funds rate?Federal funds rate are rate given by the government over credits or loans.
The rate is which commercial banks borrow and lend money and it is often lower than private Organization.
Therefore, the federal funds rate is typically equal than the primary credit lending rate.
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44) Christopher, a department manager, is attending the monthly budget planning meeting where all the department managers report on their current status. Both before and after his own presentation, he sits forward in his chair and makes eye contact with all the other managers as they present. He asks questions and nods his head after their responses. He is exhibiting the ________ style of listening
When Christopher ask questions and nods his head after their responses. He is exhibiting the active style of listening.
What is active listening?Active listening is a type of listening where the listener give rapt attention to the person speaking including the guestures.
The individual also ask questions to confirm all that his learning.
Therefore, When Christopher ask questions and nods his head after their responses. He is exhibiting the active style of listening
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N the knowledge economy, if a large portion of company value is in intellectual and human assets, the difference between the market value and book value of the company should ________ a company with mostly physical and financial assets.
It will be expected that the difference between a company's market value and book value should be larger than a company with mostly physical and financial assets if the large portion of company value is in intellectual and human assets.
What is an intellectual/human assets?These are asset possessed by a firm that ranges from human capital, information capital, brand awareness, instructional capital etc.
These are assets that can be improved when a firm hires better employees, conduct training programs, develops new patents etc
In conclusion, since the large portion of company value is in intellectual and human assets, then, the market/book value would be larger than a company with mostly physical/financial assets.
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Every time a company hires a new employee and trains them to take on the new role, what kind of risk are they
taking?
O
financial
legal
O
operations
strategic
The risk a company takes every time a company hires a new employee and trains them to take on the new role is known as financial risk.
What is a risk?Risk can be defined as a possibility or a situation which is uncertain and involves exposure to danger. A risk from an investment perspective is the possibility of incurring losses due to market uncertainties.
When a company hire new employee, the company would expend some cost towards training of the newly recruited employee; which is termed financial risk.
Hence, the risk a company takes every time a company hires a new employee and trains them to take on the new role is known as financial risk.
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Choose all the characteristics of an effective leader.
✓ Welcome feedback
Take team credit
Micromanage
Have emotional intelligence
O Work to resolve conflict
Coach employees
Foster unhealthy competition
Answer:
likes competitions, puts in the work, team player
Welcome feedback, have emotional intelligence, work to resolve conflict, and coach employees are characteristics of an effective leader. Therefore, options A, D, E, and F are correct .
An effective leader is an individual who possesses the skills, qualities, and attributes necessary to inspire, guide, and motivate a team towards achieving common goals and objectives.
They demonstrate strong communication skills, actively listen to their team members, and value their input. Effective leaders exhibit emotional intelligence, understanding and managing their own emotions as well as those of others.
They foster a positive work environment, promote collaboration, and work to resolve conflicts constructively. Additionally, they provide guidance and support to their team members, offering coaching and development opportunities to help individuals reach their full potential and contribute to the overall success of the organization.
Therefore, options A, D, E, and F are correct .
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Some economists argue that the american medical association and the american bar association create an effect on labor markets similar to that of a labor union. Do you agree?
Both American medical and American bar association create labor markets this is because the two associations both employ individual that are qualified for their fields restricting entries on unqualified candidate.
What is labour market?Labour market is a platform for labour demand and supply such that he employees provide all there service demanded of them and the employer supplies all that the employee demands.
The two associations both provides employee that are qualified for their fields and medical and
demand and supply of labour are both regulated.
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Factors that have contributed to heterogamy include a. higher college enrollments. b. geographical mobility. c. participation of women in the work force. d. all of the above please select the best answer from the choices provided a b c d
The factors that have changed to heterogamy include a higher college enrollments, geographical mobility, and participation of women in the work force.
Option D is correct.
What is heterogamy?Heterogamy is defined as the marriage between people of different characteristics.
These characteristics include different sociological backgrounds, educational levels and different races. Geographical mobility has aided Heterogamy in a beneficial way.
Interracial marriages are more common when people of different races meet as a result of travel.
Therefore, option D is correct.
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Answer:
The correct answer is D
Explanation:
Al of the above.
You have been asked to calculate the internal rate of return for an investment with the following cash flows, using the Excel IRR function: The cost of the investment is $500,000. Cash flows in years 1 through 5 are $200,000; $160,000; $120,000; $80,000; and $40,000, respectively. There is no residual value to the investment. Using Excel's IRR function, what is the internal rate of return on the investment after 3 years
Answer:
9.92 %
Explanation:
Year 0 = ($500,000)
Year 1 = $200,000
Year 2 = $160,000
Year 3 = $120,000
Year 4 = $80,000
Year 5 = ($40,000 + $25,000) = $65,000
therefore,
the internal rate of return on the investment after 5 years is 9.92 %
You have been asked to calculate the internal rate of return for an investment with the following cash flows, using the Excel IRR function.
T internal rate of return for the investment after 3 years, we need to use the Excel IRR function. Here are the steps:
Step 1: Create a list of cash flows. In this case, the cash flows are as follows:
Year 0 (Initial Investment): -$500,000
Year 1: $200,000
Year 2: $160,000
Year 3: $120,000
Year 4: $80,000
Year 5: $40,000
Step 2: In Excel, use the IRR function to calculate the internal rate of return. In this example, the cash flows are in cells A1 to A6.
In cell A7, input the formula:
=IRR(A1:A6)
The internal rate of return on the investment after 5 years is 9.92 %
This means the internal rate of return on the investment after 3 years is 9.92%. It indicates the annualized rate of return the investment is expected to generate over the first three years.
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Which feature of a bond contract allows the issuer to redeem a bond issue immediately in its entirety at an amount greater than par value prior to maturity?.
A call provision is a bond contract allows the issuer to redeem a bond issue immediately in its entirety at an amount greater than par value prior to maturity.
What is call provision?Call provision is charged with a bond and it allows an individual buy bond immediately.
It comes in form of fixed-income instrument that allows the issuer of the bond to repurchase.
Therefore, A call provision is a bond contract allows the issuer to redeem a bond issue immediately in its entirety at an amount greater than par value prior to maturity
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Jana has $100 to open a checking account. she can maintain a monthly balance of $300. she also has a savings account at the same bank. she plans to use online bill paying and write fewer than 10 checks per month. she currently uses her bank’s atm several times per month. jana does not overdraw her account. bank account terms and conditions bank account terms and conditions. bank b is best for jana. jana wants an account with the lowest fees. which checking account would be best for jana? account a account b account c account d
Bank account is opened in bank to save/ deposit money and generate interest from it. Jana should choose account b.
What is a bank account?It is an account in bank where money deposited, and it can be withdrawn by check or passbook and bank gives interest on deposit. A bank provides Current, Savings, Fixed Deposit Accounts, Recurring Deposits facilities.
It is better for Jana to choose account b as the minimun balance required is $250, and it charges 0 for ABC bank ATMs and check writing limit is more, i.e. 12/ month.
Therefore, Jana should choose account b.
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Answer:
account b
Explanation:
YASHARI earns $27,000 per year, is single, and lives in Wyoming. She has $7000 in Direct Subsidized loans and another $19,000 in Direct Unsubsidized loans. She is trying to save up an emergency fund of at least 6 months’ take-home pay, so she’s torn about how much she should devote to her student loans and how much to the emergency fund every month.
- Which plan has the highest total amount paid? How long is the repayment period for this plan?
a) The plan with the highest total amount paid is the Direct Unsubsidized Loan of $19,000 because, in addition to the interest, the principal amount is higher than the Direct Subsidized Loan.
b) The repayment period for the Direct Unsubsidized Loan is 10 years after graduation if the Standard Repayment Plan is chosen.
What are unsubsidized and subsidized loans?Subsidized Loans are student loans subsidized by the Federal Government, especially with respect to the interest payment.
Subsidized Loans do not accrue interest during school at least half-time or during deferment periods. They are available for undergraduate and graduate students in financial need.
Unsubsidized Loans are federal student loans for both undergraduate and graduate students that are not based on financial need. They accumulate interest during school if the student does not elect to make monthly interest payments.
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Exercise 20-17 Preparation of cash budgets (for three periods) LO P2 Kayak Co. Budgeted the following cash receipts (excluding cash receipts from loans received) and cash payments (excluding cash payments for loan principal and interest payments) for the first three months of next year. Cash Receipts Cash payments January $ 525,000 $ 475,000 February 400,000 350,000 March 450,000 525,000 According to a credit agreement with its bank, Kayak requires a minimum cash balance of $30,000 at each month-end. In return, the bank has agreed that the company can borrow up to $150,000 at a monthly interest rate of 1%, paid on the last day of each month. The interest is computed based on the beginning balance of the loan for the month. The company repays loan principal with any cash in excess of $30,000 on the last day of each month. The company has a cash balance of $30,000 and a loan balance of $60,000 at January 1. Prepare monthly cash budgets for January, February, and March. (Negative balances and Loan repayment amounts (if any) should be indicated with minus sign. )
The preparation of the cash budgets for the first three months of next year for Kayak Co. is as follows:
January February March
Beginning cash balance $30,000 $30,000 $69,294
Cash receipts 525,000 400,000 450,000
Total cash available $555,000 $430,000 $519,294
Cash disbursements 475,000 350,000 525,000
Ending cash balance $80,000 $80,000 ($5,706)
Required minimum balance 30,000 30,000 30,000
Available for Loan Payment 50,000 50,000 ($36,000)
Loan Interest & Principal Payment:
Interest repayment $600 $106
Loan:
Beginning balance $60,000 $10,600
Loan repayment ($49,400) ($10,600)
Ending balance $10,600 $0
Data and Calculations:Month Cash Receipts Cash Disbursements
January $ 525,000 $ 475,000
February 400,000 350,000
March 450,000 525,000
Minimum required cash balance = $30,000 per month-end
Loan limit = $150,000
Monthly interest rate = 1%
Interest payment and principal repayment = last day of each month
Interest computation = beginning balance
Beginning cash balance = $30,000
Beginning loan balance = $60,000
The beginning cash balance of March is $69,294 ($80,000 - $106 - $10,600)
Thus, at the end of March, Kayak Co. needs to borrow $36,000.
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