the lender refuses to lend in that neighborhood, the lender is guilty of redlining.
What is redlining?Redlining is a technique that excludes potential customers who live in neighborhoods that are deemed "hazardous" to investment because of the high concentration of low-income and racial and ethnic minorities there from receiving services (financial and otherwise). The most well-known examples of redlining are the rejection of insurance and credit, but other, less well-known examples include the formation of food deserts in minority neighborhoods and the denial of healthcare. The deliberate placement of stores inconveniently far from targeted residents has a redlining effect in the case of retail businesses like supermarkets. When a lender or insurer took advantage of the lack of lending competition compared to non-redlined neighborhoods to target residents of communities with a preponderance of minorities, this practice is known as reverse redlining.
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A plan designed to increase the number of minority employees within an organization is known as?
A plan designed to increase the number of minority employees within an organization is known as an affirmative action program.
The affirmative action program was first brought forward in the year 1961. An affirmative action program is a group of policies to certify that there are equal opportunities in any organization for all individuals without any biases of gender, faith, color, and nationality. This program was designed with the goal to end discrimination in employment and education and provides an opportunity to promote diversity and provide minorities protection from hatred.
However, this program has some drawbacks. One has to consider the high cost of this program. It can also lead to reverse discrimination as it can result in less qualified individuals being chosen over more qualified candidates.
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once a legal loophole has been used to the advantage of business and the disadvantage of a customer, the number of options for self-regulation declines. group of answer choices true false
The number of choices for self-regulation decreases if a legal loophole has been exploited to the benefit of the company and the detriment of a client.
A loophole is a legal technicality that enables a person or company to escape the application of a rule or limitation without really breaking the rule.
Loopholes, which are frequently mentioned in talks of taxes and tax avoidance, give people and businesses a method to shift income or assets from taxable to tax-free or tax-efficient situations.
The prevalence of loopholes is highest in complicated economic transactions involving tax, political, and legal statutory concerns. Contract specifics, building codes, and tax codes are just a few places where you can find them.
The number of possibilities for self-regulation decreases if a legal loophole has been exploited to a company's benefit and a customer's detriment.
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Coca-cola is a(n) _____ of the soft drink product category because it is the concept within a soft drink schema that is the single best representation of that category.
Coca-cola is an Exemplar of the soft drink product category because it is the concept within a soft drink schema that is the single best representation of that category.
What is the product representation ?
Analyzing business processes in supply networks uses process models more frequently now. Although products are a crucial component of supply chain semantics, there is insufficient product representation in supply chain process models. The 'labelled flows' that this research suggests directly assign product names to flows rather than implicitly expressing products through other visual structures. With the aid of a lab experiment, we discover that labelled flows enhance domain comprehension in terms of product comprehension and product modeling performance. Our innovation in product representation within supply chain process models contributes to modeling research and improves domain comprehension.
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Assume that the risk free rate increases, but the market risk premium remains constant. What impact would this have on the cost of debt
if the risk-free rate increases and the market risk premium remains constant, the cost of equity will increase. On the other hand, the cost of debt will also increase if the risk-free rate increases.
The rate of return provided by an investment with no risk is known as the risk-free rate. The concept of the risk-free rate is somewhat speculative because every investment asset carries some level of risk, no matter how minor. It is commonly understood to refer to the interest rate on short-term government debt. The general flexibility of the capital markets (affected by supply and demand, i.e., a decline in the money supply growth rate will reduce the supply of capital and increase interest rates), as well as the anticipated rate of inflation, are factors that affect the nominal risk-free rate (NRFR).
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Why is this case an example of trademark violation? payless made sneakers with a pattern that is similar to the adidas logo. payless hired a designer from adidas to create sneakers for them. payless used the adidas logo in its tv commercials and print ads. payless made running shoes based on the style and design of an adidas sneaker.
This case is an example of trademark violation because Payless made sneakers with a pattern that is similar to the Adidas logo.
Unauthorized use of a trademark or service mark on or in connection with goods and/or services in a way that is likely to lead to misunderstanding, deception, or mistake about the source of the goods and/or services is known as trademark infringement. a court order that forbids the use of the allegedly offensive mark. If the mark has already been registered, an injunction through the cancellation of the registration. An injunction or a letter requesting the violator to cease using the trademarked material is the most typical punishment for trademark infringement. An intentional violation of trademark law may also result in criminal or civil penalties, though this is uncommon.
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Answer:
A
Explanation:
Edge2020
at the beginning of year 2 clair company had a $5,500 balance in its retained earnings account. during january of year 2 clair earned $2,000 of revenue and incurred $1,400 of expenses. based on this information, the balance in retained earnings account on january 31, year 2 is
The balance in retained earnings account on January 31, year 2 is $6,100.
What is retained earnings?Retained earnings is the amount of a company's earnings that is not paid out to shareholders as dividends. Retained earnings is the sum of beginning retained earnings and net income. Net income is revenue less expenses. Revenue increases the value of retained earnings while expenses decrease its value.
When calculating retained earnings, the balance of the retained earnings from the previous accounting period would be added to the current accounting period because the retained earnings account is a permanent account.
Retained earnings = beginning retained earnings + revenue - expenses
$5,500 + $2,000 - $1,400 = $6,100
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estimates show there are blank multinational corporations with hundreds of thousands of foreign affiliates.
Estimates depicts that there are more than 100,000 multinational corporations with hundreds of thousands of foreign affiliates.
The structure of an organization that defines foreign direct investment is the multinational corporation, which is a company with operations spread over more than two nations.
A commercial partnership in which one firm holds less than a majority of the shares of the other is referred to as a "affiliate". A sort of arrangement in which at least two separate firms are subsidiaries of the same bigger parent company is referred to as an affiliation.
The term "foreign affiliate" refers to a company that is either a resident of the country compiling or a company that is not a resident of the country composing but has authority over a company controlled by a resident of the country compiling.
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which of the following mawhich of the following are benefits of an internship? select all that apply.ight be part of a job description for an entry-level project manager role?
A fresh junior project manager with ambition and zeal is required for our North Coast branch. You'll be actively involved in high-impact initiatives, up front, and giving your creative energy. Manager of a project, a program, and a portfolio.
Obligations and duties of project managers
What Tasks Are Assigned to a Project Manager?
Create a plan for the project idea. Every project begins with an idea.Build and Lead Your Dream TeamTrack Project Progress and Set DeadlinesAddress Emerging Issues Handle Money Ensure Stakeholder SatisfactionTo learn more about project managers from the given link.
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To minimize business risk and take advantage of opportunities, ceos demand information that is ______.
To minimize business risk and take advantage of opportunities, CEOs demand information that is timely, relevant, and reliable.
Business risk is the exposure an organization or enterprise has to issue(s) on the way to lower its earnings or lead it to fail. anything that threatens a business enterprise's capacity to achieve its economic dreams is taken into consideration as a business risk.
The term business risk refers back to the opportunity of a business commercial enterprise making insufficient earnings due to uncertainties - as an example: adjustments in tastes, converting options of customers, moves, improved competition, adjustments in government coverage, obsolescence, and so on.
Risk management is the procedure of identifying, assessing, and controlling threats to an agency's capital and profits. these dangers stem from a ramification of sources together with financial uncertainties, criminal liabilities, technology problems, strategic control mistakes, injuries, and herbal failures.
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An auditor tests an entity's policy of obtaining credit approval before shipping goods to customers in support of management's financial statement assertion of?
An auditor tests an entity's policy of obtaining credit approval before shipping goods to customers in support of management's financial statement assertion of Valuation.
In order for the client to be able to repay the firm's credit, the company must verify that the consumer has a suitable valuation. The auditor examines this.
What Is Valuation?
The analytical process of estimating the worth of a company or an asset is known as valuation. There are several methods for performing an evaluation. In addition to other factors, an analyst putting a value on a firm considers the management of the company, the make-up of its capital structure, the likelihood of future profits, and the market worth of its assets.
Although there are other techniques that may be used, such as the capital asset pricing model (CAPM) or the dividend discount model, fundamental analysis is frequently used in valuation (DDM).
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The fasb most always considers which concept in their own decision-making process when creating new accounting standards?
The FASB most always considers a materiality concept in their own decision-making process when creating new accounting standards.
An accounting standard is a collection of procedures and guidelines used to standardize bookkeeping and other accounting operations over time and across different businesses. All aspects of an entity's financial picture, including its assets, liabilities, income, outlays, and shareholders' equity, are subject to accounting standards.
Usually, strict regulations apply to publicly traded companies. Small and medium-sized businesses frequently adhere to less stringent rules and make any specific disclosures that their particular lenders and shareholders require.
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Distinguish among corporate, business, and functional strategies. how does each strategy relate to hrm? why?
The company approach is your employer's huge-image desire. in case you're big enough to have corporate departments, every department ought to have an enterprise method based on the company goals. The purposeful approach is an in-depth plan for transferring toward the business desires.
The corporate stage method includes pinnacle-stage management. the commercial enterprise-level approach includes the capacity to compete of each enterprise unit. practical degree method includes every single function in each business unit.
Within the hierarchy of targets, it is the company targets that can be the boss! those are the targets that the enterprise as an entire is making an attempt to achieve. through assessment, purposeful goals can be viewed as an inclined servant of the corporate goals.
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One of the advantages of personal selling is that it is the most __________ method used to communicate with customers. multiple choice flexible generic defensive credible reasonable
Personal selling has the benefit of being the most adaptable way of client communication. various options versatile generic trustworthy reasonable
Personal selling is the process of a salesman meeting with a potential client in order to complete a contract. Many salespeople employ a sequential sales process that typically consists of nine parts. For all or certain steps of the sales process, some salespeople write scripts.A Personal Selling Case Study
A common marketing strategy is personal selling, particularly for goods with exorbitant prices or complex features. Excellent examples are cars, office equipment like photocopiers, and a variety of goods that businesses sell to other industrial customers..To Learn more about Personal Selling, Click the links.
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if a consumer and broker who are working together don’t have a written brokerage agreement, what’s their default relationship?
If a consumer and broker who are working together don’t have a written brokerage agreement, transaction their default relationship. A broker is a person or company who works as a go-between for an investor and a securities exchange.
Individual traders and investors require the services of exchange members since securities exchanges only accept orders from persons or firms who are members of that exchange. Brokers provide that service and are reimbursed in a variety of methods, including commissions, fees, and payment from the exchange relationship itself. A broker is a person or company who works as a go-between for an investor and a securities exchange.
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Ordinarily, what source of evidence should least affect audit conclusions? accounts receivable confirmations received directly from customers
The source of evidence that should least affect audit conclusions is a correct Inquiry of management is a form of internal evidence, which is the least reliable form of evidence.
What is an audit conclusions?Basically, an audit refers to an examination of various books of accounts by an auditor followed by physical checking of inventory to make sure that all departments are following documented system of recording transactions.
As an Audit conclusions means the overall outcome of an audit program provided by the audit leader or the audit team after a thorough evaluation of audit results, the source of evidence that should least affect audit conclusions is a correct Inquiry of management is a form of internal evidence, which is the least reliable form of evidence.
Missing data a. External documentary evidence. b. Inquiry of management. c. Documentation prepared by the audit team. d. Inquiry of entity legal counsel."
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A change in each of the following is a lagging economic indicator except? a employment duration b reported corporate profits c inventory to sales ratio d initial claims for unemployment
An exchange in every of the following is a lagging economic indicator besides employment duration.
An economic indicator is a macroeconomic dimension utilized by analysts to apprehend modern and destiny economic activity and possibility. The most extensively-used economic signs come from statistics released with the aid of the government and non-income businesses or universities.
An economic indicator is a statistic of approximately a financial interest. economic signs permit evaluation of monetary performance and predictions of destiny overall performance. One application of economic signs is the look at business cycles. Wikipedia
importance
A leading indicator is an economic aspect that has a tendency to alternate earlier than the economic system begins to exchange. A lagging indicator is a monetary element that modifications simplest after the change inside the economy has already taken place. leading indicators are used to forecast extensive shifts within the financial system.
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the process behind the production of "account inc.," a suite of business accounting and inventory software, is protected by
The process behind the production of "account inc.," a suite of business accounting and inventory software, is protected by trade secrets law.
Enterprise is the hobby of making one's living or creating wealth by means of generating or shopping for and selling products. it is also "any interest or agency entered into for income.
A business is described as a company or enterprising entity engaged in industrial, industrial, or professional sports. companies may be for-profit entities or non-earnings organizations. enterprise types variety from restricted legal responsibility agencies to sole proprietorships, corporations, and partnerships.
The definition of enterprise is an occupation or change and the purchase and sale of products or services to make a income.
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if it is difficult to increase production of a good in response to a higher price, the good is likely to have relatively supply.
A good's supply is likely to be relatively inelastic if it is challenging to raise output in response to a higher price.
What does "inelastic supply" mean?
This happens when the percentage change in the amount supplied is smaller than the percentage change in the price of the good, and the absolute value of the coefficient is below 1.
The researched time horizon is typically a significant factor in determining the elasticity of supply in marketplaces. The supply is typically elastic over the long run and inelastic over the short term. This occurs as a result of businesses' inability, in the short term, to modify their manufacturing facilities to create a greater volume of items in less time.
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The ________ serves as an articulation of the fundamental principles at the heart of the organization and should guide all decisions without abridgment.
The mission statement serves as an articulation of the fundamental principles at the heart of the organization and should guide all decisions without abridgment. It defines the organization's goal and ultimate intention. The vision is supported by the mission statement, which communicates purpose and direction to employees, customers, vendors, and other stakeholders.
A excellent mission statement embraces a target audience's expectations for something they actually desire. Zappos' mission statement, for example, is "to give the greatest customer service possible." This instils in Zappos' customers the expectation that they will receive outstanding customer service every time. Everything we do is focused on Our Mission.
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small amount of money in an interest-earning account for three years, doesn’t plan on withdrawing the funds, and wants them to stay in the account until the end of the third year.
small amount of money in an interest-earning account for three years, doesn’t plan on withdrawing the funds, and wants them to stay in the account until the end of the third year, It is Retail certificate of deposit (CD).
A Certificate of Deposit (CD) is what, exactly?
A certificate of deposit (CD) is a type of savings instrument that accrues interest on a single quantity of money for a certain amount of time. Unlike savings accounts, CDs require that the money stay undisturbed over the full term to avoid penalties and missed interest. Savings accounts often provide lower interest rates than CDs as compensation for liquidity loss.
The majority of consumer financial institutions provide certificates of deposit (CDs), although each bank is free to set its own conditions, rate of interest in comparison to savings and money market products, and early withdrawal fees.
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research suggests that there are 10 primary characteristics that, in aggregate, capture the essence of an organization's culture. match these characteristics with their descriptions.
Risk tolerance - The degree to which employees are encouraged to be aggressive, innovative, and chance-taking.
Reward criteria - The degree to which rewards such as promotion and salary increases are allocated according to employee performance rather than seniority, favoritism, or other nonperformance factors.
Conflict tolerance - The degree to which employees are encouraged to air concerns and criticisms openly.
Means versus ends orientation - The degree to which management focuses on outcomes rather than on techniques and processes used to achieve those results.
The act or skill of management: directing or supervising something (eg, a company) A business has improved under the leadership of a new owner. 2: Judicious use of means to an end, very careful when dealing with money. Helps achieve group goals - organize production factors, collect and organize resources, and integrate resources in an effective way to achieve goals. direct the group's efforts to achieve
At its most basic level, management is a discipline comprised of five general functions: planning, organization, staffing, leadership, and administration. These five features are part of a set of practices and theories for being a successful manager.
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Which phase of the business cycle would have a falling unemployment rate, meaning more jobs are becoming available?
Contraction
Expansion
Peak
Trough
The expansion phase of the business cycle can be defined as the phase where there would be falling unemployment rate, meaning more jobs are becoming available.
What is the business cycle?This is the term that is used to refer to the periods of business expansions , recoveries and recessions that are seen in a given economy. The business cycle is used to show the decreases and the increases in the economy.
The period of a decrease in unemployment is an expansion period that shows that the economy is about to experience recoveries.
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Answer:
Expansion
Explanation:
I'm taking the test so.
Roseanne sells her personal automobile for $1,000 in the current tax year. she purchased the car for $12,000 nine years ago. what are the tax effects of the sale in the current tax year?
The tax effects of the sale in the current tax year is Roseanne recognizes a deductible loss of $11,000 in her current-year tax return because of the capital recovery concept.
Capital Recovery: Capital recovery, which is a break-even statistic, generally relates to recouping initial investment funds through returns from that investment. It also applies to recovering investment money through the sale of assets. The phrase also applies to business debt recovery.
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for gaap purposes, if a dividend receiving corporation owns less than percent of the stock of the distributing corporation, the receiving corporation includes the dividend in income (same as tax; no book-tax differences).
Less than 20% of the stock.
For GAAP purposes, if a dividend receiving corporation owns less than 20 percent of the stock of the distributing corporation, the receiving corporation includes the dividend in income.
What is Tax?Whether municipal, regional, or federal, taxes are mandated payments made by individuals or businesses to the government. Government programs like Social Security and Medicare as well as public infrastructure and services like roads and schools are funded by tax income.
Taxes are borne by whoever bears the cost of the tax, whether this is the entity being taxed, such as a business, or the final users of the items produced by the firm.
Taxes of all kinds, including payroll taxes, federal and state income taxes, and sales taxes, need to be taken into account from an accounting standpoint.
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The correct question is:
“for gaap purposes, if a dividend receiving corporation owns less than ______ percent of the stock of the distributing corporation, the receiving corporation includes the dividend in income (same as tax; no book-tax differences).”
during the last year, globo-chem co. generated $1,170 million in cash flow from operating activities and had negative cash flow generated from investing activities (-$640 million). at the end of the first year, globo-chem co. had $200 million in cash on its balance sheet, and the firm had $330 million in cash at the end of the second year. what was the firm’s cash flow (cf) due to financing activities in the second year?
The firm’s cash flow due to financing activities in the second year is −$350 million
A coins glide is a real or virtual motion of cash flow a coins drift in its slim experience is a charge, particularly from one principal bank account to any other; the term cash itwaft is primarily used to describe.
cash flow is the motion of money inside and out of an employer. cash acquired signifies inflows, and cash spent indicates outflows. The coins drift statement is an economic announcement that reports on an employer's resources and usage of cash over some time.
Cash flow from operating activities (CFOA) = $1,170 million
Cash flow from investing activities (CFIA) = (-$640 million)
Cash in the balance sheet = $200 million
Cash at the end of the second year = $380 million
Cash at the end of the second year = Cash in the balance sheet + CFOA + CFIA + CFFA
$380 million = $200 million + $1,170 million − $640 million + CFFA
CFFA = −$350 million
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A car company is testing a new type of tire. They want to determine the average stopping distance in light rain, light snow and dry conditions. They test out tires on four randomly selected cars from the lot. They want to know if the stopping distance is significantly different under the three conditions. What is the factor?.
Road conditions is the main factor to determine the average stopping distance in light rain, light snow and dry conditions. ANOVA (Analysis of Variance) used in this experiment.
The variables that the investigator controls during an experiment in order to ascertain their impact on the response variable are called factors. Here, we want to see if there are any significant differences in the stopping distance across the three scenarios. 4 randomly chosen automobiles make up the experimental units (type of tire). ANOVA (Analysis of Variance) may be used in this experiment to determine whether or not the means of the three groups are equal.
By dividing the variability into systematic and random variables, the statistical models in the ANOVA (Analysis of Variance) collection are used to evaluate the differences between the means of two independent groups. It is useful to ascertain how the independent variable affects the dependent variable.
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about how many years will it take for $100,000 placed in a bank account at 7% interest rate compounded annually to double?
The time that it take for $100,000 placed in a bank account at 7% interest rate compounded annually to double is 10.24 years.
How to calculate the time?We use the formula:
A=P(1+r/100)^n
where
A = future value
P = present value
r = rate of interest
n = time period.
Hence, 200,000 = 100,000*(1+7/100) ^n
or 2 = (1.07) ^ n
Taking log on both sides we get,
log 2 = n log (1.07)
Hence, n = Log 2 / log (1.07)
or n = 10.24476835
Hence the correct answer is 10.24 years.
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a management system that focuses on maintaining lean inventories while producing products as needed by the customer.
A management system that focuses on maintaining lean inventories while producing products as needed by the customer is Just-in-time management (JIT).
What is Just in time management?JIT is a type of inventory management that calls for close coordination with suppliers to ensure that raw materials arrive at the exact time when manufacturing is supposed to start, but no earlier. The objective is to keep just enough inventory on hand to meet demand.
Just in time, or JIT, is a production and inventory control method where products are made only as needed to satisfy actual customer demand. Inventory levels in the Just In Time manufacturing system are kept to a minimal, and occasionally even zero.
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A management system that focuses on maintaining lean inventories while producing products as needed by the customer is .................
consider pablo’s decision to go to college. if he goes to college, he will spend $21,000 on tuition, $11,000 on room and board, and $1,800 on books. if he does not go to college, he will earn $16,000 working in a store and spend $7,200 on room and board. pablo’s cost of going to college is
if he does not go to college, he will earn $16,000 working in a store and spend $7,200 on room and board. pablo’s cost of going to college is "$123,000".
What is a cost in economics?In economics, the phrase "cost" refers to the value assigned to the time, effort, materials, risks, as well as other resources used to provide a good or service.
An organization must pay a variety of costs, such as opportunity costs, fixed costs, implicit costs, direct costs, societal costs, and replacement costs. Contrarily, revenue is the money that a business brings in from the sale of its products or services. Tax, interest, and dividend deductions that an entity has made are excluded. The profitability of a company can be determined by examining its costs and revenues.
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What type of financial planning focuses on issues such as paying your monthly rent, paying tuition and fees, and cost of food, while still having some funds to use for entertainment, rest and relaxation?.
Cash Flow Planning type of financial planning focuses on issues such as paying your monthly rent, paying tuition and fees, and cost of food, while still having some funds to use for entertainment, rest and relaxation.
Running a business requires careful consideration of cash flow. A company will be compelled to permanently close its doors if it does not have enough funds to operate. The movement of money during a company's various stages, from start-up to growth, maturity, and decline, is referred to as "cash flow" in its purest sense. A business needs the capacity to make future projections in order to manage cash flow. Without it, managers won't be able to make informed choices about investments and other significant purchases. Making a plan to guarantee that your company has adequate cash on hand to meet its financial obligations is called cash flow planning.
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