Calculating the present value of a cash flow or series of cash flows that will be received in the future is the process of discounting.
A value obtained in the future is converted to an equivalent value received right away through the process of discounting. Discounting determines this relative value, so a dollar received in 50 years may be worth less than a dollar received today. Using the aforementioned method, the discounting process assists an investor in estimating the investment's value in current dollars at the investor's desired rate of return. Due to the opportunity cost of spending money now and the desire to enjoy advantages now rather than in the future, discounting makes current costs and benefits more valuable than those that will occur in the future. A discount factor in financial modeling is a decimal number multiplied by a cash flow value to reduce it to its present value. As the effect of compounding the discount rate accumulates over time, the factor grows (i.e., the decimal value shrinks).
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economists say that individuals make decisions at the margin. what does this mean? give an example where you have made such decision
According to economists, most decisions are made "near the margin." The margin represents the activity's current level.
explanation
Consider it as the vantage point from which to make a decision. A decision to do something a little bit more or a little bit less is referred to as a margin choice.
Making decisions at the margin can reveal very insightful information. Take the issue of reducing water usage, for instance, when the amount of water supplied is insufficient to meet current demand. According to economists, increasing the price of water is one approach to encourage people to save it. A typical argument to this suggestion is that since water is a necessity, a greater price would have little impact on water consumption.
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This means that Decisions are therefore based on marginal costs and marginal gains. According to economists, people act rationally and try to maximize their own benefit. Individuals acting in groups in accordance with these presumptions lead to economic
The marginal cost, or price of producing more, is the variation in total cost that results from increasing the amount produced in economics.How is marginal cost determined? What is it?
Marginal cost, which is most frequently employed in manufacturing, is the additional expense incurred in the manufacture of more units of goods or services. It is derived from both fixed costs for goods that have already been produced and variable costs that still need to be taken into account. It is computed by dividing the change in costs by the change in quantity.To learn more about Marginal cost, Click the links
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what attributes should a project manager have? can an individual be trained to become a project manager? if a company were changing over to a project manager structure, would it be better to promote and train from within or hire from outside?
What is the Project Manager?
A professional who organizes, plans, and manages projects while adhering to constraints like budgets and timetables is known as a project manager. Project managers oversee the work of entire teams, establish the objectives of a project, consult with stakeholders, and see it through its closure.
The execution of an initiative is under the supervision of project managers. They are in charge of the initial stages of ideation, to start. Then, they are in charge of organizing the budget and the components. Finally, they oversee the final delivery of these components. The choice of projects, however, is not made by project managers. Additionally, they don't control most of the resources used for execution. However, it is ultimately up to them if the implementation and delivery are successful.
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In this diagram, which statement could be an example for the direction labeled "O"?
O Your friend purchases a new computer.
O Your parent lends money to a neighbor.
You save earnings in a bank account.
O You sell lemonade at your garage sale.
In this diagram, the statement that could be an example for the direction labeled "O" is: "You save earnings in a bank account." (Option C). This above diagram is simple model of the flow of money supply or the circular flow of income.
What is money supply?The money supply in macroeconomics refers to the total volume of cash owned by the public at a certain point in time. There are various ways to describe "money," but the most common are currency in circulation and demand deposits.
What is the circular flow of income?The circular flow of revenue, also known as the circular flow, is an economic model in which important transactions are represented as flows of money, commodities and services, and so on between economic players.
Money and products traded in a closed circuit have the same value but flow in the opposite direction.
Hence, it is correct to state that In the above diagram, the statement that could be an example for the direction labeled "O" is: "You save earnings in a bank account."
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Answer:
C. You save earnings in a bank account.
Explanation:
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What+is+the+principal+portion+of+the+222nd+payment+of+a+fully+amortizing+$250,000,+30-year+fixed+rate+loan+with+an+interest+rate+of+4.825%?
The principal portion of the 22nd payment is $753.07.
The fundamental is the money that you initially agreed to pay returned. the hobby is the price of borrowing the fundamentals. normally, any payment made on an auto loan may be implemented first to any prices that are due for instance, past due fees.
Solution:
N = 360; I/Y = 4.825%/12 = 0.4021%; PV = $250,000; FV = 0; CPT PMT = $1,315.44;
N = (360 − 221 = 139) CPT PV = $139,865.75 (loan balance after 221 payment);
$139,865.75 × 0.00421 = $562.38 this is the interest portion of the 222nd payment
$1,315.44 − $562.38 = $753.07 Principal portion of the 222nd payment
$753.07.
The relationship between the price and the interest price for a zero coupon bond is exceptionally described as inverse. when a loan is amortized, its method is the most important, and interest is paid off via the borrower over the lifestyle of the loan. The essential is the quantity of cash you borrow while you in the beginning take out your home mortgage. To calculate your loan important, sincerely subtract your down price from your own home's final promoting price. for example, let's assume that you purchase a domestic for $300,000 with a 20% down fee.
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professor’s annuity corporation offers a lifetime annuity to retiring professors. for a payment of $82,000 at age 65, the firm will pay the retiring professor $650 a month until his death.
The APR=12*i=7.805271% or the effective interest rate is
(1+i)^12-1=8.09064%
What is an annuity?A sequence of payments given at regular intervals is known as an annuity. Examples of annuities include pension payments, regular deposits into a savings account, monthly insurance payments, house mortgage payments, and home mortgage payments. By how frequently payment dates occur, annuities can be categorized. The payments (deposits) may be paid every week, every month, every four months, every year, or at any other regular frequency. Mathematical operations referred to as "annuity functions" can be used to compute annuities.
A life annuity is an annuity that offers payments throughout the balance of the owner's lifetime.
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as part of her company's swot analysis, valerie is assessing the company's internal environment, including
As part of her company's swot analysis, Valerie is assessing the company's internal environment, including Strengths and weaknesses.
What do you understand by Swot analysis?
SWOT (strengths, weaknesses, opportunities, and threats) analysis is used to evaluate a company's competitive position and to develop the strategic planning. SWOT analysis assesses internal and external factors, as well as current and future potential of the company.A SWOT analysis is designed to get a realistic, fact-based, data-driven look at the strengths and weaknesses of an organization, initiatives, or within its industry. The organization needs to keep the analysis accurate by avoiding pre-conceived beliefs or gray areas and instead focusing on real-life contexts.To learn more about Swot analysis, refer to:
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According to the reading, one benefit of having smaller groups is ____________________.
In line with the reading, one gain of having smaller organizations are groups works more quickly and better participation amongst group members.
A set is a group of human beings with some commonplace characteristics or cause. a group can consist of any number of human beings. human beings in organizations engage, interact and perceive each different, often at regular or pre-determined instances and locations.
Groups name such companies in-agencies. Fraternities, sororities, sports teams, and juvenile gangs are examples of in-agencies. members of an in-group frequently come to be competing with contributors of another group for diverse sorts of rewards. This different organization is referred to as an out-organization. a set is formed with at least members. typically, the number of institutional participants in a collection ranges from 15 to twenty participants. It will become tough to control a big institution. consequently, it's miles stated that the more individuals in a set the more complex it's far to control.
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an organization's is what an organization actually does, including the products and services it plans to provide and the markets in which it will compete.
An organization's mission is what an organization actually does, including the products and services it plans to provide and the markets in which it will compete.
A company's business processes can be a source of competitive advantage if they enable it to innovate or execute better than competitors. On Business procedures can also be liabilities if they are based on antiquated methods of operation that limit company responsiveness and efficiency.The four primary tactics to gaining a competitive advantage are cost leadership, differentiation, defensive techniques, and strategic partnerships. Competitors' ability to supply products and services more effectively and efficiently.A competitive strategy is a plan of action devised by a firm to gain a competitive advantage over its competitors. This plan is developed after examining the competition's strengths, weaknesses, opportunities, and threats and comparing them to your own.Thus this is the meaning of Organization's mission.
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customers' perceptions are often central to an organization’s goals, and their blank can be measured with surveys or by the number of customer complaints an organization receives.
Customers' perceptions are regularly valuable to an employer’s goals, and their blank may be measured with surveys or with the aid of the number of consumer lawsuits a company gets: satisfaction.
In sales, trade, and economics, a Customer is the recipient of a good, provider, product, or idea - received from a vendor, seller, or provider via a monetary transaction or alternate for money or a few other valuable attention.
A Customer is a character or enterprise that purchases any other company's items or services. customers are crucial due to the fact they drive revenues; with out them, agencies cannot live on. irrespective of what enterprise you are in or what forms of services and products you promote, your purchaser is the most critical part of your business. with out the consumer, you do not see any income. As an end result, they're an important element whilst developing your advertising and marketing messaging and method.
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which one of the following components is not an aspect of the fundamental characteristic of relevance?
Freedom from error is not an aspect of the fundamental characteristic of relevance
In order to be free, a person must either be able to act or change without restriction, or they must have the strength and resources necessary to pursue their goals without interference. Freedom is frequently equated with having rights and the civic liberties to exercise them without the government interfering excessively. It is also frequently equated with liberty and autonomy in the sense of "giving oneself their own rules." One definition of "freedom" states that something can change easily and is not confined in its current state. Commonly debated political freedoms include the freedoms of assembly, association, choice, and expression. philosophies and religions
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To reduce the risks from vertical integration, firms may choose to develop some form of formal collaboration known as:_________
To reduce the risks from vertical integration, firms may choose to develop some form of formal collaboration known as a joint venture.
Collaboration is the technique of extra people, entities, or corporations running collectively to finish a venture or gain a goal. Collaboration is much like cooperation. Most collaboration calls for management, despite the fact that the shape of management may be social inside a decentralized and egalitarian organization.
Collaboration is a running exercise wherein people paint collectively for a not unusual place motive to gain enterprise benefit. Collaboration allows people to paint collectively to gain a described and not unusual place enterprise motive.
Some relevant examples of collaboration withinside the place of business encompass brainstorming, organization discussions, achieving a consensus approximately tactics or studying problems, and locating solutions.
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In auditing accounts receivable, the negative form of confirmation request most likely would be used when?
The negative form of a confirmation request would most likely be used in an accounts receivable audit when: "The total amount recorded of accounts receivable is irrelevant to the financial statements as a whole". Prior years' response rates to properly constructed positive confirmation requests were insufficient.
What is negative confirmation ?Auditors frequently use "negative confirmation" to obtain audit evidence from external stakeholders. A negative confirmation is a letter sent to a debtor asking for a response if the debtor disputes the account balance reported in the letter. If the third party doesn't reply or when the third party submits a correction, confirmation takes place.
The procedure is used to verify managerial claims regarding account balances.
Negative confirmation works best when the likelihood of a major misstatement, as well as inherent and control risk, are both minimal.
Hence, it can be used when the combined level of assessed inherent risk and control risk relative to accounts receivable is greater than low.
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a high price for a product or service assures the customer that the product or service is of a good value.
A high price for a product or service assures the customer that the product or service is of a good value: b. False.
What is a product?A product can be defined as any physical object (tangible item) that is typically produced by a manufacturer so as to satisfy and meet the demands, needs or wants of every customer.
Also, some examples of a product include the following:
RefrigeratorTelevisionMicrowave ovenComputerShampooMobile phones or SmartphonesPencilWhat is price?Price can be define as an amount of money which is primarily set by the seller of a good (product), and it must be paid by a buyer to the seller, so as to enable the acquisition of this good (product).
In Business management, we can reasonably infer that a high demand rather than a high price for a product or service would assure the customer that a product or service is of a good value.
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Complete Question:
A high price for a product or service assures the customer that the product or service is of a good value.
a. True
b. False.
a significant number of european banks held large amounts of assets as mortgage-backed securities derived from the u.s. housing market, which crashed after 2006. which of the following statements correctly describes the benefits of the internationalization of financial markets. (check all that apply.)
The statements which correctly describes the benefits of the internationalization of financial market are The European banks made money on the American mortgages they held., The U.S. financial markets received the necessary money from European banks to support financing for the building of new homes.
More about internationalization of financial market:
The internationalization of financial services—removal of impediments to cross-border financial service provision and elimination of disparate treatment of domestic and foreign providers of financial services—is of universal interest.
Internationalization of financial market also expands the market supply and demand of the market and brings her revenue and increases country's economic worth.
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A ________ process is a set of activities that delivers value to external customers.
A core process is a set of actions that produces value for external clients.
What is the core process?Core processes are frequently referred to as "principal" processes because they stand in for the crucial tasks that must be completed by an organization in order to achieve its aims and targets, carry out its purpose, and realize its vision. Core business processes are those that provide value to the client and are a component of the core business. Delivering parts, for instance, can be a manufacturer's primary procedure. Operations that support the core processes are referred to as supporting processes. A "core process" is a mechanism that promotes consistency across an entire department. You probably have examples of a basic process in your thoughts right now. They include of hiring procedures, sales team systems, and best practices for customer service.To learn more about core process, refer to:
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while consumers often seem irrational in their behavior when making purchase decisions, all consumers follow a process. their ultimate goal of relieving the tension caused by unsatisfied needs is achieved by following a stepwise process of problem solving. different consumers spend different amounts of time on each step of the consumer decision process based on the nature of the problem and the experience they have trying to solve a particular problem.
People's risk and benefit perceptions are critical to their acceptance of a particular technology and, as a result, their willingness to become consumers.
Due to resource constraints, it has been proposed that consumers' perceptions are frequently formed based on heuristics and biases, or other factors such as trust or affect. While some consumer behaviors appear irrational, heuristics show that they are quite predictable.
Individuals relied on their senses to detect toxicological risks prior to the introduction of scientific risk analysis, a practice known as 'intuitive toxicology.' Substances used in consumer products, such as food additives and cleaning products, are subjected to extensive risk assessment, but the processes are complex, and there is some lingering controversy about the associated levels of uncertainty, with a lot of misinformation about these allegedly dangerous chemicals available on the internet.
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For section 2 in the project in Project 2: Remarkable Markets, the third objective listed in Activity Resources is:
Question 5 options:
Identify different types of competitors.
Define market positioning.
Describe how marketing affects businesses and other organizations.
There are 4 different types of competitors, Direct, indirect, potential / future and replacement.
What is a competitor?A competitors is an organization that sells the same or similar product or service that can be consumed as a substitute to the products or services of the company. There are four different types of competitors namely Direct, indirect, potential / future and replacement.
Market positioning is the ability to influence consumer behavior, this is the position a brand holds in the market.
Marketing have a great influence over the business and other organizations specially competitors, the more effective marketing enables the business to grow as the higher sales are recorded, this have a negative effect on the competitor organizations.
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the bullwhip effect causes an amplification of the variation in the demand pattern along the supply chain.
The volatility in the demand pattern is amplified in the supply chain via the bullwhip effect. The statement is True.
What is Demand
Demand is the amount of a good that consumers are willing and able to buy at different prices during a specific period of time in economics. The relationship between price and quantity demand is sometimes referred to as the demand curve. An item's perceived necessity, price, perceived quality, convenience, alternatives that are offered, buyer preferences and disposable income, among many other factors, all affect how much demand there is for that particular item.
Many different events and elements influence a consumer's decision to purchase a product.
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The bullwhip effect is mainifested by _____________ variation in the supply chain. a. decreasing downstream b. decreasing upstream c. increasing downstream d. increasing upstream
The bullwhip effect is manifested by (d) increasing upstream variation in the supply chain.
What is the bullwhip effect in the supply chain?The bullwhip effect is a phenomenon that occurs in the supply chain when orders to suppliers have a tendency to vary more than sales to buyers, which amplifies the unpredictability of demand upstream. As one advances higher up the supply chain, this contributes to larger inventory swings in reaction to changes in consumer demand. The idea is often referred to as the Forrester effect because it was initially introduced in Jay Forrester's Industrial Dynamics (1961). The tendency for material orders to vary more than demand signals has been noted, and this tendency tends to get worse the further upstream a company is in a supply chain.
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As lean systems thinking is implemented, the amount of training that employees receive?
Lean manufacturing boosts output while enhancing efficiency and reducing waste. Therefore, the advantages are numerous. Higher product quality: Enhanced efficiency frees up personnel and resources that would otherwise be spent for innovation and quality assurance.
A concept known as "lean manufacturing" aims to increase productivity while eliminating waste in industrial systems. Anything that buyers do not think adds value to and are not prepared to pay for is considered waste.
Lean manufacturing is a production technique that primarily aims to shorten response times from suppliers and consumers as well as times spent in the production system. It has a lot in common with the just-in-time manufacturing idea.
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eric’s residential tenant hasn’t paid rent for more than three months, so eric went to court to start eviction proceedings. he’s now been granted the right to remove the tenant. this is a(n) eviction
Eric's residential tenant hasn't paid rent for more than three months, and so Eric went to court to start eviction proceedings. He's now been granted the right to remove the tenant. This is an Actual eviction.
An eviction is the courtroom-ordered removal of a tenant from the property in which they are living. A landlord may additionally determine to evict a tenant for nonpayment of rent, damages, illegal hobby, violating the terms of a hire, or if the owner wishes to take possession of the assets.
An eviction note must be filed in a court of competent jurisdiction, mentioning the idea for eviction in addition to the time and date through which the tenant ought to depart the assets, and it should then be issued to the tenant. the landlord have to permit the tenant an inexpensive amount of time to end the rented property.
How lengthy does eviction take in California?
If your tenant won't repair the trouble or pass out, you'll should undergo the courtroom to get an order for them to move out. The eviction technique can take 30 - 45 days, or longer. The time starts from when you have eviction court docket bureaucracy added to your tenant to the time they need to circulate out.
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Real gdp grows at a constant rate of 1.0 percent per year and the annual rate of population growth is 3.0 percent per year. what is the rate of growth of per capita real gdp?
Real GDP = GDP / (1 + inflation since base year)
Real GDP growth rate = (most recent year's real GDP - the last year's real GDP) / the previous year's real GDP.
Real GDP = (Nominal GDP / GDP Deflator) *100.
GDP stands for Gross domestic Product and represents the whole financial fee of all very last goods and services produced (and bought available on the market) within a country at some stage in a period of time cause. GDP is the maximum usually used degree of financial pastime.
A populace is the complete set organization of individuals, whether or not that group accommodates a state or a group of human beings with a commonplace characteristic. In information, a population is the pool of people from which a statistical pattern isdrawn for a look at.
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select all that apply specializing and participating in international trade allows an economy to do which of the following? multiple select question. increase the quantities of capital and consumer goods available to society get more of a desired good by sacrificing greater amounts of some other good divert high-skilled resources toward low-valued services circumvent the output limits imposed by its own production possibilities curve
When companies specialize and participate in international trade, this allows the economy to:
increase the quantities of capital and consumer goods available to society.circumvent the output limits imposed by its own production possibilities curve.What does international trade do for economies?When a country engages in international trade, they would have access to more capital and consumer goods for their economy.
The fact that these companies can also access more resources and capital goods means that they can circumvent the limits that their production possibilities curves imposes in relation to resources.
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what would be the best way to make this list parallel? the team’s priorities for the month include the following: make updates to the project tracker alice and lowell will send satisfaction surveys to new customers editing the new owner’s manual thursday meetings
Make updates to the project tracker
Alice and Lowell will send satisfaction surveys to new customers
Editing the new owner's manual
Thursday meetings
start them all with present-tense verbs
Three main tenses of the verb
Examining the three primary verb tenses—past, present, and future—is the quickest way to get a handle on verb tenses.
Correct verb tenses are crucial because they have the power to completely alter the meaning of a statement. Check out this chart of verb tenses to view the past, present, and future tenses of more than 100 common verbs.
tenses of the past
A verb in the past tense informs you what the subject has previously accomplished. You use it to describe something that happened in the past, as the name would imply.
For instance, "He walked to the store foot." tells you that "he" arrived at the store already in the past tense.
Verb Forms in the Present
A verb in the present tense is an action term that describes what the subject is doing at the moment.
For instance, the phrase "He walks to the shop." tells you that "he" is now en route to the store on foot and employs the present tense of the verb "walk."
Present Perfect Verbs
A verb in the future tense tells you about an activity that will occur at some time but hasn't happened yet.
For instance, "He will walk to the shop." utilises the future tense of the verb "walk" to indicate that "he" intends to travel by foot to the store but hasn't yet started.
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it the demand for a product increased at the same time that technological improvements lowered production costs, what would happen to the price and quantity? a price would be indeterminate and quantity would increase b both price and quantity would decrease c price would increase and quantity would decrease d price would increase and quantity would be indeterminate e both price and quantity would increase
If the demand for a product increased while technological improvements lowered production costs, the price would be indeterminate, and quantity would increase. The correct option is A.
What is the demand for a product?
Customer willingness to buy a good or service at a specific price is known as product demand. Demand, a fundamental economic force, drives a company's revenue.
Due to customers' perception that commodity products are all the same, individual manufacturers have little impact on demand. A product that specifically meets a particular market's demands and preferences.
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Which legal test gives government considerable leeway in treating people differently, such as imposing a higher tax rate on upper-income americans?
The reasonable basis test gives government considerable leeway.
What is higher tax rate?
The higher tax rate means the rate of the tax that is charged by the government more than usual rate.
The legal test that is used by the government in treating people differently is reasonable basis test. By using this test, the government measures, the actual position of the taxpayer. By this government determines whether the person comes in high income bracket or not. If the income of the taxpayer is more than limit, then the government uses high tax bracket. If the taxpayer goes into court, then the government presents this test as a proof of the income. Hence, it is the legal test that is used by the government to take considerable leeway.
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everything else held constant, an account that earns compound interest will grow more quickly than an otherwise identical account that earns simple interest.
Everything else held constant, an account that earns compound interest will grow more quickly than an otherwise identical account that earns simple interest. This statement is true.
Compound interest means that in addition to the interest on your assets, you are also receiving interest on interest in your investment account. The most crucial idea to grasp when accumulating wealth over the long run is compound interest.
Simple Interest is a formula that uses the principal amount, the interest rate, and the number of periods for which the interest is to be paid to determine the amount of interest that must be paid on the principal.
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The ____________ holds that an individual should never do anything that is not honest, open, and truthful and that he or she would not be glad to see reported in the newspapers or on television.
The principle of personal virtue holds that an individual should never do anything that is not honest, open, and truthful and that he or she would not be glad to see reported in the newspapers or on television.
Why are "Virtues" important ?Morality is a habit. In other words, once they are gained, they start to define a person. For instance, someone who has cultivated the virtue of generosity is frequently referred to as a generous person because of their propensity to be so in all situations. Furthermore, someone who has acquired qualities will be predisposed to conduct morally uprightly by nature. The ethical person is the one who possesses virtue.
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three ways is organization can be perceived by the rest of the organization that influence is strategy are .
Three ways IS organization can be perceived by the rest of the organization that influence IS strategy is cost center, business partner, and game changer.
A cost center is a branch within a commercial enterprise to which prices may be allocated. The number one feature of price centers is to preserve the tune of the charges incurred. The managers or different high-level officials are given the duty of getting the expenses in sync with the allocated finances and will not be bearing responsibilities as to how the revenues are generated for use.
A business partner is any entity that you collaborate with on a business-to-enterprise foundation. unlike commercial enterprise associates, you do not have proportion control of your website or business enterprise with enterprise partners.
A game-changer is an individual or employer that significantly alters the way things are completed. The types of game changers - based on this comparative analysis, the authors propose a typology of 3 forms of recreation-changers: seminal thoughts, exogenous shocks, and endogamous opportunities.
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A farmer who worked on a parcel of land and received a portion of the crop as payment was known as a ______.
A farmer who worked on a parcel of land and received a portion of the crop as payment was known as a Renter. Renting, also known as hiring or letting, is an agreement in which a payment is paid for the temporary use of another's good, service, or property.
A farmer gross lease is one in which the tenant pays a flat rental sum and the landlord pays for all property expenditures incurred on a regular basis by the ownership. Equipment rental is one example of renting. Financial deficiency, such as renting a house when one cannot afford to buy, i.e. "renting by necessity."
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