$112, Will be the monthly payment.
What is APR?
The annual interest produced by a sum that is paid to investors or charged to borrowers is referred to as the annual percentage rate (APR). APR is a percentage that expresses the actual annual cost of borrowing money throughout the course of a loan or the revenue from an investment. This does not account for compounding and includes any fees or additional expenditures related to the transaction. Consumers can evaluate lenders, credit cards, or investment goods using the APR as a benchmark figure.
If you took out a $5,000 personal loan for five years at a rate of 12.5% interest, your monthly payment would be $112. Over the course of this loan, your total interest payment would be $1,749.
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What do you think about Black Friday deals?
Most people (including me) think that the Black Friday sale is the best time to shop. There are so many fantastic deals that it would be a mistake to pass them up, mainly considering that we need these products. However, Black Friday leads to impulse purchases, leaving people unable to differentiate between their needs and desires.
Thanksgiving Day and Black FridayIn the United States, the day following Thanksgiving Day is known colloquially as Black Friday. It is a state holiday in more than 20 states and marks the start of the Christmas shopping season in the United States. Black Friday is among the most popular shopping days in the United States. There are two common explanations for why the day following Thanksgiving is known as Black Friday. According to one account, the wheels of automobiles in heavy traffic the day following Thanksgiving Day produced numerous black imprints on the road surface. This gave rise to the phrase "Black Friday".
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globalization has both political and economic consequences. a. define economic globalization. b. describe one policy response of the mexican government to economic globalization. c. describe one policy response of the nigerian government to economic globalization.
Economic globalization refers to the growing interdependence between the world economy and Mexico's internal relocation policy resulting from NAFTA, and the Nigerian government seeking to close infrastructure gaps to unlock economic growth and wealth creation. refers to
a.) Economic globalization is the growing interdependence of the world economy as a result of increased cross-border trade in goods and services, international flows of capital, and widespread and rapid diffusion of technology. refers to
b.) According to Mexico government policy, "NAFTA made it easier for American companies to locate factories in Mexico to make their products cheaper". As a result, Mexicans moved north to get these jobs.
c.) According to Nigerian government, "Close infrastructure gaps to unlock economic growth and wealth creation". Optimize the source of economic growth and increase productivity and competitiveness. Build a productive, competitive and functional workforce for economic growth and social progress.
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the nineteenth-century british economist thomas malthus argued that the law of diminishing returns implied that multiple choice capital would increase relative to labor. technological change would grow at an increasing pace. eventual misery would befall the human race. raw materials would eventually run out.
The nineteenth-century British economist Thomas Malthus argued that the law of diminishing returns implied that capital would increase relative to labor.
Who was Thomas Malthus ?
Thomas Robert Malthus was a British economist who is known for the population growth philosophies outlined in An Essay on the Principle of Population. He stated that the populations would continue expanding until growth is stopped or reversed by disease, famine, war, or calamity.
He stated that in advanced economy consumption, saving and investment all should expand simultaneously. Importance to the accumulation of capital for economic development. He regarded capital as indispensable to development.
Hence , Thomas Malthus argued that the law of diminishing returns implied that capital would increase relative to labor.
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meredith and derek have a son, alex, who is severely disabled and will need assistance with custodial care for the remainder of his life. they own a successful business and would like to set aside $1,000,000 to provide for his quality of life needs without causing the loss of any government benefits to which alex is entitled. which of the following is the most appropriate recommendation for meeting their needs? meredith and derek have a son, alex, who is severely disabled and will need assistance with custodial care for the remainder of his life. they own a successful business and would like to set aside $1,000,000 to provide for his quality of life needs without causing the loss of any government benefits to which alex is entitled. which of the following is the most appropriate recommendation for meeting their needs? establish and fund a third party special needs trust. transfer the funds to an able account. purchase a life insurance policy with a $1,000,000 death benefit, naming alex as the beneficiary own the funds in a pod brokerage account with alex as the beneficiary.
The earnings in ABLE Accounts grow federally tax-deferred and withdrawals are tax-free if used for qualified disability expenses.
Contributions to an ABLE account are tax deductible, but all investment income is tax deductible as long as the amount withdrawn from the account is used to cover eligible disability expenses. These expenses include, but are not limited to:-Medical education, tutoring, and training Transportation for persons with disabilities Assistive technology Housing law and administrative expenses.A key feature of the ABLE account is that the first $100,000 of the account is not treated as personal property of the beneficiary of the account. This is important because federal law generally prohibits individuals from receiving assistance such as Medicaid, housing assistance, and supplemental income. Financial assets worth $2,000 or more.
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when a marketing team from general mills brainstorms names for a new breakfast cereal, which stage of the g-stic process are they working in?
The stage of the g-stic process they work in is growth. As the nature of affordable, readily available, easy and delicious breakfast cereals can be seen as the main factors driving the development of the market.
G-STIC (Global Sustainable Technology & Innovation Community) focuses on market-ready technology solutions for the SDGs. We are a growing community of action and impact-focused professionals who connect people around the world on a global, regional and national level.
Convenient, fast, affordable and accessible groceries are becoming increasingly popular in light of the hectic and busy schedules of today's population.This will boost the development of the breakfast cereal market. More carbohydrates, proteins, and the presence of numerous vitamins and minerals in breakfast cereals that provide energy, boost metabolism, regulate the heart, promote bone strength, and reduce the risk of disease. of consumers will be attracted to the market.
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25 points giveaway questions:
#1:Where do you see yourself in 5 years?
#2: Favorite animal
imagine that you are facilitating a roundtable discussion at a conference about the impact of diversity on management in the united states. which of the following are potential topics of discussion? check all that apply.
Diversity withinside the place of work refers to a body of workers made from people of race, ethnicity, gender, age, religion, bodily ability, and different demographics.
The wider kind of capabilities and skills related to place of work range at once contributes to productivity. Organizational management which have extra range of their workplace boast better productivity, as one-of-a-kind people have one-of-a-kind capabilities, skills, and regions of labor that they enjoy.
The 2022-2023 excessive faculty debate subject matter is: “Resolved: The United States federal authorities must extensively growth its protection cooperation with the North Atlantic Treaty Organization in a single or extra of the subsequent regions: synthetic intelligence, biotechnology, cybersecurity.” The subject matter is chosen yearly.
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When considering the international marketplace, small- and medium-sized firms tend to.
They tend to ignore foreign markets, instead focusing their energies on local markets when considering international markets, preferring exports as a relatively low exposure for selling their products globally.
Producers improve their profits by expanding their operations. Employee benefits with a high hiring rate. Countries benefit because foreign investment improves living standards. One of the main advantages of international trading is the ability to increase the number of potential customers. Each country you add to your list opens up new avenues for business growth and increased revenue.
Economic theory shows that international trade improves living standards. Comparing the performance of open and closed economies confirms that trade gains are indeed substantial.
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What do you think about the people who have to work Black Friday?
It doesn’t matter if people have to work on Black Friday. Since Black Friday is not a federal holiday, some people have to do their job. Especially people who work in retail and hospitality businesses. People may take time off on Black Friday. So, they can use their 4 day off to visiting their family or doing something like that.
The day after the American Thanksgiving holiday, known as Black Friday, has historically been a holiday in and of itself for many workers. It is generally a day full of lots with exclusive sales and special deals and is considered as the start of the Christmas shopping season. In 2022, Black Friday is held on 25th November, the day after Thanksgiving.
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Mlb recently became the first major league to partner with a cbd brand, charlotte’s web. In a recent civic science survey, what percentage of fans strongly disapproved of the move?.
Last month, MLB became the first major league to recognise Charlotte's Web as an official CBD partner, and half of the league's fans are cool with it. 50 percent of respondents rated the new revenue source as "very" or "somewhat" acceptable.
What is MLB?The world's oldest significant professional sports league is Major League Baseball (MLB), which is a professional baseball organisation. A total of 30 teams make up Major League Baseball (MLB), with 29 based in the United States and 1 in Canada, equally split between the National League (NL) and the American League (AL). In 1876 and 1901, the NL and AL, respectively, were established. The National Agreement, which the two leagues first signed in 1903, stipulated that they would collaborate while continuing to be legally distinct organisations. In 2000, however, the two leagues united to become the Baseball Commissioner's Organization. The MLB's head office is located in Midtown Manhattan. In addition, it is listed as one of the top professional sports leagues in both the US and Canada.
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an understatement of the ending inventory in year 1, if not corrected, will cause which of the following?
Year 1 net income to be understated and Year 2 net income to be overstated.
Earnings is the consumption and saving possibility received by using an entity inside a special time-frame, that's commonly expressed in monetary terms.[1] profits is difficult to define conceptually and the definition may be special across fields.[2][page needed] as an example, a person's earnings in an economic sense may be distinctive from their income as defined by regulation. An exceptionally vital definition of earnings is Haig–Simons profits, which defines income as consumption + trade in net worth and is broadly used in economics.
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shares in closed-end funds: group of answer choices can be resold to the fund at any time. are more popular than shares in open-end funds. may sell for more or less than the nav. are referred to as mutual fund shares. cannot be resold.
Shares in closed-end funds may sell for more or less than the NAV. A closed-end fund issues a predetermined number of shares to raise money for its initial investments.
In a single initial public offering (IPO), a closed-end fund, a particular kind of mutual fund, issues a predetermined number of shares to raise money for its initial investments. On a stock exchange, its shares can then be bought and sold, but no new shares or funds will be added to the fund.
An open-ended fund, on the other hand, accepts a continuous stream of new investment capital. Examples of these are the majority of mutual funds and exchange-traded funds (ETFs). It issues fresh shares and repurchases its own stock as needed.
Some global investment funds and a lot of municipal bond funds are closed-end funds.
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a small energy drink company would like to sell its product in europe. they have demographic information for the u.s. customers and think that customers with similar income and education levels in europe would be its target market. to find this information for countries in europe, marketers could use:
Torrents of terabytes worth of data have been released by the data big bang, covering everything from consumer behavior to weather trends to demographic developments in emerging markets.
Which of the following marketers collects data from already-public sources like a census report or an industry association study?Market research that has already been prepared and organized for you is known as secondary market research. Reports and studies by governmental organizations, industry trade groups, or other companies are examples of secondary information.
Which of the following statements best describes external secondary data sources?Books, private sources, journals, newspapers, websites, government documents, etc. are examples of secondary data sources. Compared to primary data, secondary data are thought to be easier to find. Little research is needed, and labor is needed only to employ these resources.
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Have you been to a black Friday sale with your friends or family members?
Yes, I have been to a Black Friday sale with my friends or family members. Although it may often lead us to make impulse purchases out of fear of missing out on a good deal, we can't resist the Black Friday temptation.
What is Black Friday?In the United States, the day following Thanksgiving Day is known colloquially as Black Friday. It is a state holiday in more than 20 states and marks the start of the Christmas shopping season in the United States. Black Friday is among the most popular shopping days in the United States. There are two common explanations for why the day following Thanksgiving is known as Black Friday. According to one account, the wheels of automobiles in heavy traffic the day following Thanksgiving Day produced numerous black imprints on the road surface. This gave rise to the phrase "Black Friday."
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Stayman Associates has sold a good to a buyer and wants to recognize revenue. Which of the following is an indicator that control of a goo has passed from Stayman to the buyer? a. Buyer has scheduled delivery. b. Buyer has assumed the risk and rewards of ownership c. Buyer has not scheduled delivery. d. Buyer has a strong credit history, such that bad debts are reasonably estimable.
Buyer has assumed the risk and rewards of ownership.
What is ownership?The act of having legal custody and control over something, whether it be a material item or an intangible one, is known as ownership. Multiple rights that make up ownership, generally known as title, may be distinct and held by various persons.The mechanics of ownership are quite complicated; there are many different ways to acquire, transfer, and lose ownership of something. In order to obtain property, one can pay cash for it, exchange it for other items, win a bet, receive it as a present, inherit it, locate it, claim damages for it, labor for it or provide a service for it, make it, or homestead it. By selling it for cash or exchanging it for another item, one might gain or lose ownership of property.hence, Buyer has assumed the risk and rewards of ownership.
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storing cash in a company safe is an application of which internal control principle? documentation procedures physical controls establishment of responsibility segregation of duties
Physical control is an application of internal control principle for storing cash in a company safe.
What is Internal Control Principle?
Internal control principles are the notions that require management to put processes in place to protect corporate assets. In other words, they are the concepts that management employs to determine how to safeguard firm assets. Internal controls are a constantly evolving topic, and this collection of principles is likely to grow in the future as well. This is only a selection of the most prevalent and influential. Having stated that, these principles serve as the foundation for management's creation and implementation of internal controls. In other words, they are the fundamental concepts of controls. They are not in and of themselves controllers. Management must apply these concepts to their unique business.
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if sail away cruises offers customers a free cruise ticket with each full priced cruise ticket purchased, this is an example of . first-degree price discrimination third-degree price discrimination zero-degree price discrimination second-degree price discrimination
The correct option "second-degree price discrimination" applied for the given condition of cruise ticket purchased.
Define the term second-degree price discrimination?A selling tactic known as price discrimination involves charging clients various rates for the same good or service depending on what the vendor believes they can persuade the customer to accept.
When a merchant uses pure price discrimination, they charge each consumer the highest price they will agree to. The term "discrimination" in pricing discrimination often does not refer to something wrong or offensive. Conversely, it refers to businesses' ability to dynamically alter the prices of their goods or services in response to shifting market conditions, charge various customers differently for the same services or maintain a single price for services having varying costs.When a business charges various prices for different quantities purchased, such as through quantity discounts on large purchases, this is known as second-degree pricing discrimination.In light of this, if Sail Away Cruises provides clients with a free cruise ticket with the purchase of a full-priced cruise ticket, this is second-degree price discrimination.
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which of the following defines when a lender charges a borrower more than the highest allowable interest rate?
usury (the illegal action or practice of lending money at unreasonably high rates of interest.
Usury is the practice of making loans at interest rates that are deemed excessively high or greater than those permitted by law. Under King Henry VIII, usury first spread throughout England and was initially defined as the practice of adding any amount of interest to loans of money. Over time, term came to indicate charging excessive interest, but charging interest at all is forbidden in some cultures and religions.
The practice of charging interest on loans is not new, but in England in the 16th century, there were restrictions placed on the maximum amount of interest that could be charged lawfully. However, certain religions have never engaged in usury because it goes against their fundamental beliefs throughout history.
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the list price of a computer was $100,000. the sales tax on the computer was 5%. the delivery cost was $1,000. the cost to assemble the computer was $500. the equipment account should be debited for a total of . multiple choice question.
The total cost of the computer after adding sales tax, price, delivery cost and assembling cost is $106,500
What is sales tax?A sales tax is a fee that is paid to the government when specified goods and services are sold. Typically, laws permit the vendor to charge the customer the tax at the time of purchase. Sales taxes might differ depending on geography and the taxable status of the client and the goods. Through the passage of the General Sales Tax Act, 1948, sales tax was became a federal matter, and in 1952, this charge was permanently transferred to the Central Government. Every time a sale was made, a sales tax was applied at the regular rate of 6 pie per rupee.
Hence, The total cost of the computer after adding sales tax, price, delivery cost and assembling cost is $106,500
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select the two ways in which the tools of the promotional mix are primarily used. multiple select question. to persuade prospective buyers to try the product to establish improved relationships with suppliers to communicate a strategy to potential investors to remind buyers later about the benefits they enjoyed by using the product
The two purposes of promotional mixes are to encourage potential customers to try the product and to later remind them of the advantages of utilizing the product.
The term "promotional mix" in marketing refers to a combination of promotional factors that marketers have chosen to aid a company in achieving its objectives. It is known to be a part of the marketing mix.
To accomplish a certain marketing objective, a promotional mix combines marketing strategies such as direct marketing, public relations, sales, and advertising.
Usually, the promotional mix is just a small component of the overall marketing mix.
However, the objective is always to reach the target audience with the firm's message in an efficient and effective manner.
The components of the promotional mix are as follows: Advertising that is presented through traditional media channels and is paid for by a specific sponsor is impersonal.
Therefore, as a result, options (a) and (d) are the correct ways why promotional mixes are primarily used.
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Thing that a person must have in order To survive ?
for survival, a person must have oxygen, food, and shelter in order to stay alive on this planet.
What is oxygen?Oxygen is a chemical element with the symbol O and atomic number 8. it is a member of the chalcogen group of the periodic table, is a highly reactive non-metal, and an oxidizing agent that readily forms oxides with most elements and other compounds.it is a chemical element, a substance containing only one type of atom. Its formal chemical symbol is O and its atomic number is 8. This means that there are 8 protons in the nucleus of the oxygen atom.it is tasteless, colorless, odorless, and intangible. the formation is a compound of two atoms (O2) at normal temperature and pressure.learn more about oxygen at
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During a recession, unemployment compensation payments increase without the need for any government action. This increase is an example of.
This increase in a recession is an example of an automatic fiscal policy.
What is a recession?In the field of economics, a recession is the contraction of the business cycle that results from a broad fall in economic activity. Recessions typically start when consumer spending declines significantly (an adverse demand shock). This could be brought on by a number of things, including a financial crisis, a shock to the external trade system, a supply shock that is unfavourable, the deflation of an economic bubble, or a significant anthropogenic or natural disaster (e.g. a pandemic). "A major downturn in economic activity distributed across the market, lasting more than a few months, generally noticeable in real GDP, real income, employment, industrial output, especially the wholesale-retail sales" is how United States defines a recession. The European Union has used terminology along those lines.
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When considering the interest and influence of stakeholders impacting the success of a project, what are the common attributes of the group of stakeholder that are the basis for an effective coalition of support for the project?.
The common attributes of the group of stakeholder that are the basis for an effective coalition of support for the project are: power, legitimacy, and also urgency.
What are the requirements for effective stakeholder engagement?Through stakeholder involvement, projects can take shape thanks to an understanding of your issues and best practices in the industry. If you understand your stakeholders, are able to communicate with them effectively, and involve them in your business early on, there is a greater chance that they will support you. They'll think they've contributed and taken part.
Because of this, practitioners believe that three stakeholder characteristics—power, fastness, and closeness—as well as four stakeholder behavior categories—cooperative potential, competitive threat, opposite position, and neutral attitude—are all important when handling stakeholder claims, according to empirical studies.
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Which of the following is not a function of the FED? a. supplies currency to the economy b. holds reserves for the non-bank public c. acts as government's fiscal agent d. provides a system of check collection and clearing for members 10
The b. Holds reserve for the non-bank public is not a function of the FED.
What is FED?The Federal Reserve System is the central banking system of the United States. It was created on December 23, 1913, when the Federal Reserve Act was passed, after many financial panics led to a desire to centrally manage the monetary system to mitigate financial crises.
Council, located in Washington, D.C. is the governing body of the Federal Reserve System. It is led by seven members, or "governors", who are appointed by the President of the United States and confirmed by the United States Senate.
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a manufacturing firm makes a production run of 3,750 pieces. each piece is 78.30 millimeters long. the cost of material per meter of length is $2.40. allowing 10% for waste and scrap, what is the material cost for the 3,750 pieces? round to nearest dollar.
The material cost for total pieces of 3,750 is $ 775 .
What is material cost?Material cost is the cost of materials preferred to manufacture a product or provide a service. All indirect materials. like as Cleaning agents used in the manufacturing process. Direct material costs are the costs of direct materials that are easily identifiable by production unit. For example, the cost of glass is a direct material cost in manufacturing a light bulb. Materials are the most important factor in the manufacture of products and goods.
Equating In terms of just units:[ number of pieces ] x [ mm / piece ] x [ cost / m ] x [ m / mm ] x [ 1 + 10% ] = [ total cost ]
3750 × [78.30 ÷ 1] ×[ 2.4 ÷ 1 ] ×[ 1 ÷ 1000 ] × 1.1 = C
C = 775.17
Total cost of 3,750 pieces = $ 775.
Why is material cost important?Direct material costs can make a big difference in the price of the overall product, so they are worth considering when determining the manufacturing cost of each item that goes into the final product. an important part.
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Where does change management play a major role in transforming a client business into a data-driven.
Change management plays a major role in transforming a client business into a data-driven in its data culture and literacy aspect.
Change management is the approach to support, prepare, and help every elements within the company to achieve the desired organizational change.
When an company implementing change management, its employees are trained and taught to be data sensitive. This change also affecting the firm's client business.
For example, if there is changes in the information details needed by the firm, the client business has to some adjustment to meet the firm's standar data and information. This would inderictly push the client business to transform into a data-driven enterprise who can provide the standardized information needed.
On the other hand, the firm will also provide a more comprehensive data as a report to the client. The client would be able to get more detailed information.
By implementing data-driven relationship, both companies could be benefited by the provided "real-time" check on any change progress. The companies also able to leader engage in the change project much easily.
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what kind of effect does it have on operating leverage when a company's sales increase and it gets further from its breakeven point?
The end product is that operational leverage introduces higher potential rewards but additionally larger risks. If a company's sales increase, it helps to own higher operational leverage.
However, if they decrease, higher operational leverage hurts them as a result, they will not be able to cut back defrayment as quickly. Operating leverage is employed to calculate a company's break-even purpose and facilitate set applicable mercantilism costs to hide all prices and generate a profit. Corporations with high operational leverage should cowl a bigger quantity of mounted prices monthly despite whether or not they sell any units of product.
Essentially, operational leverage boils all the way down to an associate analysis of mounted prices and variable prices. operational leverage is highest in corporations that have a high proportion of mounted operational prices with respect to variable operational prices.
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john deere, inc. introduced a lower-priced line of lawn-tractors called senber while still selling its more expensive tractors under the john deere, inc. brand. this is an example of
John deere, inc. introduced a lower-priced line of lawn-tractors called senber while still selling its more expensive tractors under the john deere, inc. brand this is an example of a downward line stretch.
A product line could include a variety of product kinds. For instance, imagine Coca-Cola launching a variety of premium soft drinks in various pricing levels. As the business is introducing luxury products, it would be considered expanding the product line.
For a less dramatic example, it is the act of adding a new product to an already existing product line. For instance, a high-end designer clothing line may provide reasonably priced apparel to appeal to people with tight budgets.
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credibility is the major advantage of which element of the promotional mix? public relations advertising sales promotion personal selling
Credibility is the major advantage of which element of the promotional mix is public relations.
A promotional mix is a combination of marketing methods including advertising, sales, public relations and direct marketing to achieve a specific marketing goal.
The public relations of promotional communicates a company's services and image to the public which include news conference or press releases.
The main function of a product mix is to provide companies wit a understanding of a particular product and the methods to advertise it to as many customers as possible.
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global toys inc. imposes a payback cutoff of three years for its international investment projects. if the company has the following two projects available, should it accept either of them?
The company should accept project A and reject project B incase of international investment projects.
What is an investment?When money is committed to the purchase of an asset with the hope of seeing its value increase over time, this is called investing. Investment requires the sacrifice of something current, such time, money, or effort. A mix of capital gains and income, as well as dividends, interest, or rental income, are all possible forms of return. The income from assets, such as unrealized capital gains, or unrealized capital appreciation (or depreciation), can also be used to represent it. The projected return on riskier investments is often higher. When making a low-risk investment, the return is frequently little. Big risks have a similar possibility of occurring as high losses. The majority of the time, investors, especially novices, should diversify their portfolios.
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