The term ___________________ describes the proportion of deposits that the bankmust hold in the form of reserves that are not loaned out or invested in bonds.

Answers

Answer 1

Answer:

reserve ratio

Explanation:


Related Questions

A firm's cost of equity is 22%. Its before-tax cost of debt is 13% and its marginal tax rate is 21%. The firm's capital structure calls for a debt-to-equity ratio of 45%. Calculate the firm's cost of capital

Answers

Answer:

WACC= 17.95%

Explanation:

Weighted average cost of capital is the average cost of all of the long-term types of finance used by a company weighted according to the that amount of finance used in relation to the total pool of fund.

It is calculated using the formula below:

WACC = (We×Ke)  +  (Wd×Kd)

Ke-cost of equity- 22%

We- equity weight- 100% - 45% = 55%

Kd-After tax cost of debt-10.3%

Wd- 45%

After tax cost of debt = Before tax ×× (1- tax rate)

After tax cost of debt = 13%× (1-0.21) = 10.3%

Cost of equity = 22%

WACC =(0.55× 22%) + (0.45× 13%)=17.95%

WACC= 17.95%

In a fractional reserve banking system: Group of answer choices banks create money by printing it. banks create money by making loans. the size of M1 can only be a fraction of checkable deposits. banks are required to hold 100% of deposits as reserves.

Answers

Answer:

the size of M1 can only be a fraction of checkable deposits.

Explanation:

fractional reserve banking system requires that a fraction banks receive as deposits from customers be kept as reserves with the central bank and the rest be made out as loans.

M1 consists of coins, demand deposits and currency in circulation. Banks determine the money in circulation by giving out loans. so the size of M1 can only be a fraction of checkable deposits.

Which type of agreement assures that a broker will receive compensation regardless of who procures the buyer?a. Net listingb. Exclusive right to sellc. Open listingd. Exclusive agency

Answers

Answer: b. Exclusive right to sell

Explanation:

An authoritative understanding under which the posting merchant goes about as the operator or as the lawfully perceived non-organization illustrative of the seller(s), and the seller(s) consents to pay a commission to the posting dealer, whether or not the property is sold through the endeavors of the posting intermediary, the seller(s), or any other individual; and an authoritative understanding under which the posting specialist goes about as the operator or as the legitimately perceived non-office illustrative of the seller(s), and the seller(s) consents to pay a commission to the posting agent whether or not the property is sold through the endeavors of the posting representative, the seller(s), or any other person, then again, actually the seller(s) may name at least one person  or elements as exclusions in the posting understanding and if the property is offered to any absolved individual or element, the seller(s) isn't committed to pay a commission to the posting specialist

Licensing as a market entry mode has several disadvantages and opportunity costs, which do not include:

Answers

Answer:

Adaptations by the licensee to fit local tastes.

Explanation:

It does not include that the “ adaptations by the licensee to fit local tastes”  because the licensing is the process through which a person gets permission to work within the industry. Moreover, if a person gets the license to work in a certain market place then it does mean that it will be successful. To fit in the local taste requires other factors except the licensing.

YUM!, one of the world's largest restaurant companies, has a variety of brands, including KFC, Pizza Hut, and Taco Bell. Each one operates independently and is responsible for its own performance. Each has a separate CEO responsible for managing its supply chain, marketing, and R&D). Knowing this, how does YUM organize its structure?

a. Decentralized with autonomous sub-unit
b. Strong centralization
c. Organizational controls d
. Matrix structure

Answers

Answer:

a. Decentralized with autonomous sub-unit.

Explanation:

YUM organizes its Decentralized structure with an autonomous subunit.

It is possible to affirm based on the information offered by the question, since a decentralized company is one whose decision-making process occurs in a more flexible way, that is, it is not taken only by a leader. This gives the advantage of better decision-making by employees who are experiencing the situation up close.

YUM has a variety of brands, each of which operates independently and is responsible for its own performance. Each has a separate CEO responsible for managing its supply chain, marketing and R&D, which confirms that each YUM brand operates autonomously and with its own decisions.

The basic considerations for setting prices on goods that are traded across borders does not include:

Answers

Answer:

The answer is below

Explanation:

Since there are no options available, here are the eight basic considerations for setting prices on goods that are traded across borders.

1. The pricing alternatives that are available if the firm's costs increase or decrease and are demand in the international market elastic or inelastic?

2. should vary with the market segment?

3. Is the price competitive in comparison with the local market conditions?

4. How about the foreign country's dumping laws, will it be problematic?

5. Does the price indicate the product's quality?

6. Analysis of the various forms of discounts such as trade, cash, quantity, and allowance like Advertising, and trade-off, the firm will offer its international customers should be considered.

7. The firm should also consider pursuing any of the marketing objectives such as market penetration, market skimming

8. Will there be special scrutiny as to the firm's prices by the host country government on whether the price is reasonable or exploitative?

Movie studios use tracking studies in which prospective moviegoers are asked questions about an upcoming film release to help them forecast sales. This is an example of

Answers

Answer:

This is an example of survey or marketing research.

Explanation:

For the movie studios to use tracking studies in which moviegoers are asked questions about their thoughts and opinion in a new movie, it is called survey. Part of the aim could be for criticism of their works, revenue forecast, impact of the movie on the society or their thought on the theme of the movie.

The managers at johnson & johnson who authorized the buyback of defective products might have endorsed milton friedman’s shareholder, or profit-maximizing, view.

Answers

Organizations must make money to stay in existence. Making money, then, should be the sole focus of an organization’s activities.

Organizations have one responsibility: to increase the wealth of their stockholders

The following information should be considered:

According to Friedman, each & every organization should contain the bottom line to generate more profit by earning more and more money due to this it can increase the wealth of those people who have invested in the organizationsSo,  the main objective of the firms should be to direct their activities to generate more funds

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Suppose the economy is initially in​ long-run equilibrium. The Fed enacts a policy to . In the​ short-run, this expansionary monetary policy will​ cause:

Answers

Answer:

A shift from AD 1 to AD 2 and a movement to point​ B, with a higher price level and higher output.

Explanation:

The above is what the expansionary monetary policy of the Federal government will cause in a situation where a policy was introduced on a short-run.

What is the present value of a growing perpetuity that makes a payment of $100 in the first year, which thereafter grows at 3% per year? Apply a discount rate of 7%

Answers

Answer:

the present value of a growing perpetuity is $2,060

Explanation:

If a cash flow is growing at a constant rate, then we call this a growing perpetuity.

Present Value = PMT ( 1 + g) ÷ (r - g)

where,

g = constant growth rate

  = 0.03

r = discount rate

 = 0.08

Then,

Present Value = $100 (1,03) ÷ (0.08 - 0.03)

                        = $2,060

Trey has $5.00, he needs gas and he needs to eat lunch. He can only do one for $5.00 not both or part of both. Trey buys gas to go home. What is his opportunity cost? What is the alternative not chosen by trey?

Answers

Answer:

Tray's opportunity cost is not being able to purchase lunch,  the alternative tray decided not to take would I assume to be just getting gas and to eat at his house.

The opportunity cost of buying gas is Trey would not be able to eat lunch.  The alternative not chosen by Trey is eating lunch.

What is opportunity cost ?

The value or advantage forfeited by engaging in a specific activity in comparison to engaging in an alternative activity is known as the opportunity cost of that activity. More effective implies that you forfeit the chance to engage in a different activity if you choose one.

Opportunity costs are the possible advantages that a person, investor, or company forgoes while deciding between two options. Opportunity costs are by definition invisible, making it simple to ignore them.

When the value of the next best alternative is computed and the alternative chosen, the term "opportunity cost" is used to explain it best.

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It is more common to see rewards tied to performance indicators as opposed to seniority or loyalty in companies whose cultures are:

Answers

Answer: outcome oriented

Explanation:

It is more common to see rewards tied to performance indicators as opposed to seniority or loyalty in companies whose cultures are outcome oriented.

For outcome-oriented cultures, the managers and the workers are being held accountable for the success of the organization and hence the employees are usually rewarded based on their performance and to also motivate them.

ABC Company has issued $20,000,000 of convertible bonds with a coupon of 5% and a current market value of 120. The conversion price is $40. If all the bonds are converted, how many additional shares of common stock will ABC have outstanding

Answers

Answer:

Explanation:

k

Broker Ron wants to open a separate escrow account for each transaction he is involved in. Is this legal?

Answers

Answer:

Yes, there is no legal limit on the number of escrow accounts a broker can have.

Explanation:

A broker transaction facilitates sale between a buyer and a seller.

The broker states a price for the buyer that is an addition of the seller's price and his commission.

An escrow account is one that recieves the buyer's money and notifies seller to transfer goods to the buyer. Once reciept of the goods has been confirmed by the buyer, seller's money is released to him and broker commission paid to him.

There is no legal limit to the number of escrow accounts a broker can have. So Ron can open seperate escrow accounts for each transaction he is doing.

One weakness of the cost approach for appraising market value is that:________

a. builders may not pay market value for materials or labor.
b. market value is not always the same as what the property cost.
c. comparables used may not have similar quality of construction.
d. new properties have inestimable costs and rates of depreciation.

Answers

Answer: b. market value is not always the same as what the property cost.

Explanation: In the process of property valuation in real estate, potential users or buyers have to appraise a property before they make offers, this will enable them know the value and the reasonable price to offer. One of such method of appraisal is the cost approach which is based on the basis that, a property shouldnt be purchased by a buyer at a price beyond the cost of erecting an equivalent structure. Of the options listed above, using the notion of not paying beyond the cost of erecting a similar building could be considered a weakness in f the approach in situations whereby the market value of the property is not the same as the value of the property. The market value of a property could be influenced by different factors including seasonality, changes in geography or terrain and so many other factors which may influence the value of an asset which might not affect the real cost of the property. Hence, the discrepancy.

In order to test a new customer loyalty program, a supermarket sends an email to its current customers in one of its regions of operation, inviting them to opt into the new program. After several months, management observes that participants in the new program are much more frequent shoppers than the average customer. Which of the following can management conclude from this experiment? Introducing the new loyalty program in all of its regions of operation will boost sales in the future.

Answers

Available Options Are:

A) Introducing the new loyalty program in all of its regions of operation will boost sales in the future.

B) The new loyalty program has boosted sales among its test participants.

C) Sales to customers that did not opt into the loyalty program have decreased.

D) None of the above

Answer:

Option A. Introducing the new loyalty program in all of its regions of operation will boost sales in the future.

Explanation:

Option A is correct because the purpose of introducing loyalty program was to increase its sales which loyalty program has significantly increased. Hence the conclusion from the experiment must be that the company must introduce customer loyalty programs in all of its branches to increase its sales significantly.

Option B is incorrect because it was the result of loyalty program not what we must conclude from the result.

Option C is also incorrect because the purpose of loyalty program was that the company was willing to increase sales by only attracting potential customers who are frequent shoppers and now due to loyalty program, they will buy more from our shops. Hence it will not impact the other customers.

Following transactions of Ramesh for April,2018 are given below. Journalize them, prepare ledger and trial balance.

Answers

Answer:

apr 28

Explanation:

"A registered representative is approached by the president of an investment club to buy an IPO being offered by the representative's firm. Which statement is TRUE?"

Answers

Answer:

The investment club is not a restricted purchaser and may buy the IPO

Explanation:

In the financial market a restricted purchaser is someone that has has direct engagement in a business or who has affiliates that are directly engaged in the business that wants to sell securities.

In this scenario a restricted purchaser will be someone that has direct business engagement in the representative firm. Since this is not so the president of the investment firm is free to purchase the IPO.

An Initial Public Offering is when a companies decides to make its shares available to the public for the first time.

When a company attempts to determine what type of employees it needs to meet its objectives as well as the number of employees it will need, it is in the process of

Answers

Answer:

Human Resource Planning

Explanation:

Human Resource Planning in management can be explained as the process whereby human resources manager use to make all resources needed for an organization to succeed in their production of product/ services whether now or in the future, it can be in terms of having the best employee they needed, making the kind of skills needed to be available and otheres.

Therefore, according to the question, Whenever a company attempts to determine what type of employees it needs to meet its objectives as well as the number of employees it will need, it is in the process of Human Resource Planning.

The process of Human Resource Planning   includes the various attempts to determine what type of employees are needed to meet objectives as well as the number of employees.

The function of the Human Resource Planning are performed by the firms' human resources manager.

The Human Resource Planning entails the firms' plan that identifies the current and future human resources which are in needs for an organization to achieve its goals.

In conclusion, the process of Human Resource Planning includes the various attempts to determine what type of employees are needed to meet objectives as well as the number of employees.

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Sustainable development refers to _____. a. economic activities that do not threaten the environment b. an increase in the number of business firms that indulge in greenwashing c. a change in the environment of a species d. a steady increase in the utilization of conventional energy sources e. reversal of the damage caused by humans in an attempt to save the planet

Answers

Answer:

A

Explanation:

The Brundtland Report defines Sustainable development as "development that meets the needs of the present without compromising the ability of future generations to meet their own needs."

What did people learn to do with seeds?

Answers

Answer:

People learned to plant seeds to make crops to survive on.

Explanation:

Seller Deangelo agreed to mediate the radon gas problem in his basement within 31 days. It has been 31 days and he still has not addressed the issue. What is the current status of the sales contract?

Answers

Answer:

Deangelo has defaulted on the contract.

Explanation:

A party to a contract is said to have defaulted on a contract when a non material breach of a contract occurs. One of the parties to the contract fails to meet his obligations.

So the failure to do what is expected within a given time frame will result in default of the contract. The contract can now be cancelled.

In the given instance DeAngelo had an obligation to mediate the radon gas problem in his basement within 31 days.

He has failed to do this at the end of 31 days so he has defaulted on the contract

Professor Green teaches environmental economics at the local university. Students learn that the professor has also written books about labor laws. It is most likely that the professor is:

Answers

Answer: c. a microeconomist.

Explanation;

Professor Green writing books about labor laws when taken in isolation is not enough proof that he is a microeconomist because even though labor markets and laws fall mostly under microeconomics, they should also be viewed from a macro level as well considering how unemployment affects the economy as a whole.

However, if Professor Green teaches environmental economics as they indeed do, Green is probably a micro-economist because Environmental economics traditionally falls under Microeconomics.

The risk associated with the unlikelihood that one of the key members will be struck by lightning would most likely be handled by which of the following?
A) Mitigating
B) Retaining
C) Ignoring
D) Transferring
E) Avoiding

Answers

Answer:

B) Retaining

Explanation:

Retaining risk refers to the risk in which the company could able to take the decision with respect to the responsibility for some particular risk

Here in the given situation it represents that the risk is associated with one of the key members so this presents the responsibility that should be considered while retaining a risk

Hence, the correct option is B.

2. Most union electricians launch their careers by enrolling in a(n) _______ program, which combines on-the-job training with classes taught by experienced electricians.

Answers

Answer: apprenticeship

Explanation:

Apprenticeship program is a program whereby a worker will be trained so that he or she will become skilled in a certain trade.

Most union electricians launch their careers by enrolling in an apprentice program, which combines on-the-job training with classes taught by experienced electricians

Pressing Music, Inc., offers to buy from Digital Media Corporation (DMC) one million blank CDs of a certain quality. Without notifying Pressing, DMC timely ships CDs of a different quality. With respect to the offer and a possible contract, this shipment is

Answers

Complete Question:

Pressing Music, Inc., offers to buy from Digital Media Corporation (DMC) one million blank CDs of a certain quality. Without notifying Pressing, DMC timely ships CDs of a different quality. With respect to the offer and a possible contract, this shipment is?

Group of answer choices

a. an acceptance and a breach.

b. an acceptance and an accommodation.

c. an acceptance and complete performance.

d. a rejection and a counter offer.

Answer:

a. an acceptance and a breach.

Explanation:

Since Pressing Music, Inc., offered to buy from Digital Media Corporation (DMC) a million blank certificates of deposits (CDs) of a certain quality, this simply represents an agreement to a deal or contract.

Furthermore, without notifying Pressing, DMC timely ships CDs of a different quality, this in business law is considered to be a breach of an agreement.

An agreement can be defined as a mutual understanding between two or more parties in order to execute a business or contract.

On the other hand, a breach refers to the violation of a binding agreement or a contract which happens when a party fails to deliver in accordance with the terms or its promises.

Hence, with respect to the offer and a possible contract, this shipment is an acceptance and a breach.

The Duffy Design Group demonstrated the effectiveness of graphic design in its label for ________ , which helped increase sales in spite of a small advertising budget.

Answers

Answer:

Classico spaghetti sauce

Explanation:

Since in the question it is mentioned that the Duffy Design Group represents the graphic design effectiveness for labeling the product i.e. Classico spaghetti sauce due to which the company is able to accomplish its target share and capture the maximum share in the market place rather having the less advertising budget

Therefore it is a Classico spaghetti sauce product

Consider the following production and cost data for two products, Q and P: Product Q Product P Contribution margin per unit $35 $40 Machine minutes needed per unit 7 minutes 5 minutes A total of 14,700 machine minutes are available each period, and there is unlimited demand for each product. What is the largest possible total contribution margin that can be realized each period

Answers

Answer:

Total contribution =$117,600

Explanation:

Whenever a company is faced with a limiting factor i.e a resource in short supply, the company should allocate the resource to the product with he highest contribution per unit of the scare resource .

The business outfit should rank its products using contribution per minute of constraint

This is done as follows:

Product                                               Q                 P

Contribution margin                         35                40

Machine hours /unit                          7                  5

Contribution /minutes                         5                 8

Ranking for production                      2nd           1st

Note contribution per minute = contribution per unit/minutes required

Allocation of machine hours

All the 14,700 machine hours should be allocated to the production of product P. Doing so would produce a total maximum contribution equals to

Total contribution : machine hours ×  contribution per machine hr

Total contribution = 8× 14,700 =  117,600  

Total contribution =$117,600  

When presenting solutions, Chris (a salesperson)often has to handle buyer resistance. Chris should think of buyer resistance as a(n)___________ event.
A) Negative
B) Unimportant
C) Positive
D) A buyer initiated challenge (BIC)
E) Show stopper

Answers

Answer:

C) Positive

Explanation:

Since in the question it is mentioned that while presenting the solutions, Chris who is a sales person handles the buyer resistance also the Chris think that the buyer resistance is a positive event

Therefore in the given scenario, the option c is correct as it does not meet all other available options

hence, the correct option is c.

Question 3 of 10
Kristen has been working in a factory for 12 years and no longer wears a
helmet while working. She is experiencing one of the attitudes that commonly
lead people to have workplace accidents. What is she most likely feeling?
A. Anger
B. Overconfidence
C. Distraction
D. Exhaustion

Answers

Answer:

Letter B

Explanation:

Overconfidence

Overconfidence is she most likely feeling. As She is experiencing one of the attitudes that commonly lead people to have workplace accidents. Hence, option B is correct.

What is Overconfidence?

a cognitive bias that is characterized by an overestimation of one's genuine capacity for performance, by the belief that one does better than others, or by an excessive amount of faith in the truth of one's views. Contrast lack confidence.

Two overconfident actions that someone who thinks their sense of direction is much better than it actually is could display are going on a long trip without a map and refusing to ask for directions if they get lost along the way. Overconfident people think they are far smarter than they actually are.

Arrogance is the quality of being overconfident in one's abilities or prospects of success. Planning ahead can occasionally lead to overconfidence.

Thus, option B is correct.

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