$720,465.80 is the remaining balance on a $780,000 amortized loan.
How do you calculate the balance on amortized loan?For your specific loan of $780,000 with a 5% interest rate and a monthly payment of $4,826.71, the remaining balance after the first payment would be:
$780,000 x (1 + 0.05)^1 - $4,826.71 x ((1 + 0.05)^1 - 1) / 0.05
= $780,000 x 1.05 - $4,826.71 x 1 / 0.05
= $817,000 - $96,534.20
= $720,465.80
So the balance would be $720,465.80 after the first payment.
How are amortized loan payments determined?Take the total loan amount and divide it times the interest rate starting in month one. Then, reduce the figure by 12 to obtain the monthly interest for a loan having monthly payments. The amount that remains after deducting interest from the entire monthly payment is what you pay toward principal.
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What do capital resources increase?
The capacity of a process can be increased by using capital resources to boost productivity. Capital assets increase a company's productivity and efficiency.
Productivity is a measure of how effectively commodities or services are generated. Productivity is sometimes expressed as a ratio of the entire output to a single input or the total input used in a production process, or output per unit of input, typically over a predetermined time period. The most typical illustration is the (aggregate) measure of labor productivity, where GDP per worker is one example. The choice of a productivity definition (including those that do not relate to ratios of output to input) is dependent on the objective of the productivity measurement and/or the availability of data. The main cause of variability across productivity measures is often (directly or indirectly) connected to how the inputs and outputs are combined to produce such a ratio-type productivity measure.
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Which of the following is not one of the three sources of technological change? a. increases in human capital. b. better machinery and equipment. c. better means of organizing and managing production d. additional amounts of existing capital.
Additional amounts of existing capital is not one of the three sources of technological change.
What is Capital ?
Capital is the financial resources available to an individual, business, or government to fund their operations. It may refer to money, assets, or any other resources used to generate income, such as investments, labor, or property.Capital can also refer to the value of those resources, or the amount of money available to be used for investments and other activities.
What does Assets means?
Assets are resources that a business owns. Assets can include cash, buildings, vehicles, equipment, land, inventory, and investments. Assets are used to generate income and increase the value of the business. They can be sold to generate cash or used to generate products or services.
Therefore the correct option is D. additional amounts of existing capital.
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What are 3 major differences between credit unions and banks?
Credit unions, which are member-owned and cooperative organisations, offer a secure environment for saving and borrowing money at fair rates. Whereas bank, a business that deals with money and its alternatives as well as other financial services.
1. Ownership Structure: Credit unions are owned and operated by their members, while banks are owned by investors.
2. Profit Margins: Credit unions are not-for-profit organizations while banks are for-profit organizations.
3. Services Offered: Credit unions tend to offer fewer services than banks, such as fewer loan types and fewer investment options.
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Which of the following statements is not true about a 4 for 1 stock split? a. Market price per share will decrease. b. Par value is reduced to _ of what it was before the split. c. Total stockholders' equity will increase. d. The number of shares issued is equal to 4 times the amount it was before the split.
With the exception of the market price per share after the split, all of the following are true of stock splits.
A stock split's main goal is what?
Increasing the number of outstanding shares and lowering the value of each share are two business actions that corporations can take through stock splits. Or to put it another way, investors benefit from bigger returns as the price of a company's stock rises.
In terms of stock splits, what is accurate?In order to increase the stock's liquidity, a corporation could split its shares into more shares. Because a split doesn't fundamentally alter the company's worth, even while the overall dollar value of all outstanding shares rises by a certain multiple, the total dollar value of all shares remains constant.
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The Design-Build document that describes the procurement process, forms the basis for final proposals, and becomes an element of the contract is called the:
The RFP is the name given to this document. The potential technical implementation firms will offer a thorough proposal outlining their solution, implementation schedule, cost, etc. based on the RFP.
What else does RFP mean in terms of buying?The procurement document known as a request for bids (RFP) announces and describes a projects or purchase request. Its objective is to solicit quotes from reputable suppliers. Almost everything public institutions and a sizable number of private firms employ RFPs in the procurement process.
What makes the RFP procedure crucial?The RFP procedure aids in obtaining proposals from suppliers and determining which one is most qualified to finish the project. Secure offers from several vendors vwith an effective RFP. You can compare talents and costs with these proposals to pick the best partner in your project.
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how did innovations in industry, transportation, and communications affect the nature of work in American society
The early-nineteenth-century economic development of America was related to substantial changes in transportation networks. The construction of roads, canals, and railroads expanded markets, increased people'sWhat is the importance of mobility, and transformed the physical environment.
What is the importance of industry, transportation, and communications in American society?The industry is a significant source of new employment growth. Despite the country's economic crisis, with the industry suffering the most, it continues to play a vital part in the country's growth.For millions of Americans, it is a lifeline that connects them to people, places, and opportunities. It also helps to develop vibrant communities, jobs reduce transportation congestion, and promote a cleaner environment. Investment in public transportation benefits both the local and national economies.It is necessary to communicate in order to express oneself. It also meets one's requirements. To develop in one's job, excellent communication is required. Effective communication skills may help you understand people and be understood in your daily life by easing your path and interactions with others.To learn more about communication, click
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a. Real GDP presents a dollar amount adjusted for inflation. b. The income approach to GDP includes consumer expenditures. c. The expenditure approach to GDP includes disposable income.
According to question, the GDP price deflator (index) is calculated by dividing this year's market basket price by the base year's market basket price .
Adjustments for changes in inflation are included in real GDP. This implies that real GDP will be lower than nominal GDP in an inflationary environment and vice versa. Positive inflation leads to a significant nominal GDP inflation without a real GDP correction.
The total value of all goods produced in a nation in a year is measured by both the nominal gross domestic product (GDP) and the real GDP. In contrast to nominal GDP, real GDP is adjusted for inflation. Real GDP is nominal GDP that has been inflation-adjusted. Real GDP is used to measure the growth in production as it actually occurs, free from the impacts of inflation.
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The correct question is :
The GDP price deflator (index) is calculated by dividing:
a) the real GDP by the nominal GDP
b) this year's market basket price by the base year's market basket price
c) national income by the inflation rate
d) income-approach GDP by expenditure-approach GDP
e) private sector expenditures by public sector expenditures
A health insurance company wants the opportunity to cover the accounts of all county employees. In order to land this account, they must get the approval of the county board of directors. The board members mention that they are taking some time off to prepare for the holidays and say that the company might stay on their minds if they were given some holiday spending cash. What kind of crime is this an example of
This is an example of bribery. Bribery is the act of offering something of value, such as money, goods, services, or other benefits, in exchange for influence or power. In this case, the health insurance company offers the regional board of directors money in exchange for agreeing to their services.
Bribery is a serious crime in many countries and can lead to civil and criminal penalties, including fines, imprisonment or even loss of public office. This kind of behavior undermines public confidence in the integrity of elected officials and can have long-term consequences for the reputation of the company concerned.
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Taylor is an outside salesperson for a firm in Idaho. She earns a 10% commission on all sales she makes. During a one-week pay period, she made $3,050 in sales. What is her gross pay
Taylor's gross payment is computed at $305
People receive pay through commission sales, which is dependent on an event they cause to occur. For instance, a person might receive $5 for each box they deliver, regardless of how many hours they put in. The amount of money an individual makes is entirely based on the labor they do, not on the number of hours they put in each day.
Before taxes, benefits, and other payroll deductions are taken out of an employee's paycheck, that amount is known as their gross pay. Net pay, often known as take-home pay, is the amount that is left after all withholdings have been taken into account.
Taylor receives a gross salary of $305. She received a commission of 10% for this.
Gross Pay = 3050 *.1
Consequently, Gross Pay is $305.
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1. Explain what you observed at the Walmart shareholders meeting. 2. Explain how Walmart able keeps track of its inventory. Why is this important
With the use of a tiny device known as Telson, Walmart is able to keep track of its inventory. It scans the bar code, which is not only a straightforward process but also virtually encyclopedia-like in that it provides all the information.
A bar code conceals information's power. It is crucial since it records all sales, including what is being sold when it is being sold, its history, selling prices, and pricing trends. With the help of cutting-edge technology, a strong corporate culture, and constant attempts to get suppliers to cut costs and offer items at the lowest possible rates, Walmart has managed to keep its pricing so low. Walmart has always been successful in keeping its pricing low, which is its main objective. Walmart maintains minimal operating and production costs because it employs standard and few component parts.
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what hint does captain beatty say he sent to montag that he must not have picked up on?
Captain Beatty tells Montag that he had sent him a hint not to become so invested in books.
He says he had suggested Montag go out and do something else, but Montag has not taken the hint. Beatty claims he had been sending him messages through the other firemen that were meant to be warnings. Beatty believes Montag has been oblivious to the messages he has been sending, as he is focused on his interest in books.
Beatty suggests that because of Montag's lack of attention, he failed to realize that he was being warned away from books. Beatty believes Montag’s curiosity has made him blind to the dangers of reading books, and that this is why he has not picked up on the hints he has been sending him.
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in tcs what is Digital Rights Management (DRM ) changes the way You can access and work with files downloaded from Ultimatix Click Hereto know if you are ready for DRM
One technique to safeguard copyrights for digital media is through digital rights management (DRM). This strategy uses technologies that restrict the duplication and utilization of proprietary software and works protected by copyright.
DRM, in a sense, gives publishers or authors the ability to regulate what paying users can do with their products. Employing digital rights management or other procedures can assist businesses in preventing people from accessing or utilizing particular assets, allowing the company to avoid legal concerns brought on by unlawful usage. Data security is now being increasingly influenced by DRM.
Online piracy has become the devil's advocate for copyrighted content with the emergence of peer-to-peer file exchange services like torrent sites. DRM methods are not effective at catching pirates.
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What problems can be solved by algorithmic?
Any form of problem, be it mathematical, logical, or complicated, can be addressed by an algorithm.
What issues are algorithms unable to resolve?An algorithm cannot address either of two types of issues. Unsolvable issues. Theoretically, no algorithm could possibly address these issues. The halting problem is an intractable decision problem (with a yes/no response).Any form of problem, be it mathematical, logical, or complicated, can be addressed by an algorithm. Example: Depth-first search, salesmen on the road, sorting formulas, etc. However, the algorithm would arrive at a finite answer after a number of steps before coming to an end.There are several recognised to be formally undecidable issues, therefore there is no technique that can fully resolve them.To learn more about algorithmic refer to:
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Bjorn purchased a small duplex for use as a rental property. After the property was placed in service, he made some improvements, and later in the year, he made some repairs to the property. Which of the following statements regarding the treatment of the expenditures is CORRECT?
A)The improvements and repairs must be capitalized.
B)The improvements and repairs are currently deductible.
C)The improvements are currently deductible; the repairs must be capitalized.
D)The improvements must be capitalized; the repairs are currently deductible.
When these costs either extend the useful life of an existing asset or increase its productive capacity.
Are repairs and maintenance capitalized?When to Capitalize Maintenance and Repair Costs These expenses are instead regarded as capital expenditures when they either expand the productive capacity or lengthen the usable life of an existing asset.
To restore an asset's condition, repair and maintenance expenses are incurred. When utilising the accrual method of accounting, the correct way to account for these expenditures is to charge them to expense in the period in which they are incurred. When the accompanying supplier invoice is paid, the cost is recorded as an expense when utilising the cash foundation of accounting.
In either scenario, the Repairs and Maintenance Expense account will be charged. The charge is subsequently recorded as an expense on the income statement.
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The practice that all transactions affect the accounting equation in at least two places is where the
The concept in question is Double-entry bookkeeping. It is an accounting method that relies on bilateral accounting to preserve financial information.
Double-entry bookkeeping is a standard accounting method in which each transaction is recorded in two or more accounts, resulting in a debit to one or more accounts and a credit to one or more accounts.
Each account registration requires a corresponding and opposite registration to another account. The double posting rule is as follows: If a transaction increases an active or passive account, the value of that increase must be booked against or against those accounts.
Double-entry bookkeeping maintains this balance by posting each transaction as a journal entry that offsets an equal number of debits and credits. Double-entry bookkeeping is the concept that every accounting transaction affects a company's finances in two ways.
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Sal and two of his friends rent an apartment together. their total cost to move in included first month's rent, last month's rent and a security deposit of $1,200. if sal paid a total of $1,000 to move in, how much is his share of the rent each month?
a. $300
b. $450
c. $600
d. $900
please select the best answer from the choices provided a b c d
According to the question, $300 is his share of the rent each month.
What is the rent?
The exact amount of rent that someone pays depends on a variety of factors. These include the size of the property, the location, the condition of the property, and the length of the lease. In addition, factors such as the landlord's preferences and the current market rate can also influence the rent. For example, a larger, newer property in a desirable location may have a higher rent than a smaller, older property in a less desirable area. Ultimately, the amount of rent is determined by the landlord and the tenant and can vary widely.
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Which of the following are key tasks in the strategy-making, strategy-executing process? O Developing a proven business model, deciding on the company's strategic intent, creating a balanced Scorecard, and crafting a strategy O Setting objectives, choosing what business approaches and operating practices to employ, selecting a business model, identifying the three best strategy alternatives, and monitoring developments and initiating corrective adjustments O Setting objectives, identifying the best strategy alternatives, choosing the very best of the strategy alternatives, implementing and executing the chosen strategy, and deciding what portion of the company's resources to employ in the pursuit of sustainable competitive advantage O Deciding on the company's strategic intent, creating a balanced Scorecard for monitoring performance, crafting a strategy, and choosing what business approaches and operating practices to employ O Developing a strategic vision, mission, and core values; setting objectives; and crafting a strategy to achieve the objectives and move the company along the path to accomplishing the mission and vision hinhibited and constitutes copyright violation
The primary activity in the process of developing and implementing a strategy is Creating a strategic vision, purpose, and core values is prohibited and constitutes a copyright violation, as is defining goals and developing a plan of action to reach the goals and advance the organisation toward fulfilling the mission and vision.
An organisation determines its strategy through the strategy-making process, which also makes sure that the established strategy becomes a reality rather than merely an idealistic wish list. It entails formulating a strategy as well as preparing for its implementation and making adjustments in response to unforeseen circumstances. Clearly, the process of developing a plan is essential to corporate success.
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How does the government control the labor in a command economy?
The government decides the means of product and owns the diligence to produce goods and services for the public. The government prices and produces goods and services that it thinks to benefit the people.
Ignores consumer preferences. This rapid-fire rallying frequently means command husbandry mows down other societal requirements. For illustration, the government tells workers what jobs they must fulfill, discouraging them from moving. The goods produced are not always grounded on consumer demand. Command economy is made possible by a high degree of state power, meaning the government owns land and primary diligence and largely controls the financial system.
Give three exemplifications of government control over the factors of production in a command frugality. The government generally owns nearly all of the land in a command frugality. In addition, they also give the utmost capital since the maturity of the structures, machines, and tools is government possessed.
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According to the circular-flow diagram GDP a. can be computed as either the revenue firms receive from the sales of goods and services or the payments they make to factors of production. b. can be computed as the revenue firms receive from the sales of goods and services but not as the payments they make to factors of production. c. can be computed as payments firms make to factors of production but not as revenues they receive from the sales of goods and services. d. cannot be computed as either the revenue firms receive or the payments they make to factors of production.
The correct answer is C. can be computed as payments firms make to factors of production but not as revenues they receive from the sales of goods and services.
Gross home product (GDP) is a monetary degree of the market cost of all the final items and services produced and offered (no longer resold) in a particular term by way of nations. due to its complex and subjective nature, this measure is frequently revised before being taken into consideration as a reliable indicator. GDP (nominal) per capita does now not, but, reflects differences in the price of residing and the inflation costs of the nations; therefore, the usage of a basis of GDP per capita at purchasing energy parity (PPP) can be extra useful while evaluating residing requirements among nations, while nominal GDP is more beneficial evaluating national economies at the global market.
Overall GDP can also be damaged down to the contribution of every enterprise or quarter of the financial system. The ratio of GDP to the full populace of the place is the in keeping with capita GDP (also referred to as the suggest fashionable of dwelling).
GDP definitions are maintained by some countrywide and worldwide financial organizations. The agency for monetary Co-operation and improvement (OECD) defines GDP as "a mixture degree of production equal to the sum of the gross values brought of all resident and institutional devices engaged in production and services (plus any taxes, and minus any subsidies, on products now not included in the fee in their outputs)".
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TRUE OR FALSE standard costs can be used by management to assess the reasonableness of actual costs incurred.
Management can use standard costs to assess the reasonableness of the actual costs incurred.
Standard material costs, standard labor costs and standard overhead costs are found in the standard cost table published by the Institute of Management Accountants. When using standard cost, factory overhead is allocated to products at a predetermined standard overhead rate. Organizations committed to continuous improvement strive to achieve practical standards rather than ideal standards. Standard cost:
The value of an item purchased or manufactured is always equal to the declared standard cost of the part. This applies to parts in stock or out of stock. The difference between the actual cost and the standard cost is posted to the variance account.
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Very often, failure to record a liability means failure to record a(n)
a. footnote.
b. asset conversion.
c. revenue.
d. expense
Very often, failure to record a liability means failure to record a(n) expense.
What is expense?An expense is an item that generally requires an outflow of money or some form of property to another person or group in payment for an item, service, or other category of expense.For tenants, rent is an expense.For students and parents, teaching is a cost.Expenses are the operating costs incurred by a business in order to generate revenue. It is simply defined as the cost you have to spend to get something. As the saying goes, “It costs money to make money”.Expenses in accounting refer to the money and expenses a business spends to track revenue. Simply put, out-of-pocket expenses are the costs associated with running a business that together contribute to the activities necessary to generate a profit.To learn more about expense from the given link:
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The Fed can influence the volume of bank lending by ____________ bonds and thus injecting reserves into the system.
The volume of bank lending may be influenced by the Fed by making bond purchases and providing reserves to the system.
How does the Fed influence the reserves?Open-market operations are used by the Federal Reserve to either grow or reduce reserves. The Federal Reserve writes a check written on itself to purchase US Treasury securities in order to enhance reserves. The check is deposited in a bank by the seller of the treasury security, boosting the seller's deposit.
The Federal Reserve affects the availability of credit and money in the economy via its monetary policy instruments. It mostly does this through routine open market transactions. The amount (or supply) of reserves in the financial system changes as the Fed purchases or sells U.S. government securities.
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Ownership passes to the buyer when the public carrier accepts the goods if the goods are shipped
a. FOB shipping point.
b. FOB destination.
c. FOB shipper.
d. FOB buyer.
FBO shipping point Ownership passes to the buyer when the public carrier accepts the goods if the goods are shipped.
Hence, Option A is correct
When goods are delivered to the point of origin under an FOB shipping point agreement, ownership is changed from the seller to the buyer. Once the goods arrive at the shipping point, the buyer becomes the owner and is responsible for them throughout the journey.
FOB destination, on the other hand, places the onus of delivery on the seller. "Free on board" is referred to as FOB in the shipping industry. Whenever a shipment of goods departs the seller's warehouse when it is marked FOB (the seller's location), the seller records the sale as complete. In transit to its warehouse, the product belongs to the buyer, who is also responsible for any delivery fees. Any document through which ownership rights are transferred, such as a sale deed, is a document that grants
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If a borrower has a fixed-rate mortgage and her taxes and insurance are included in her monthly payments, which of the following does not change over the life of the loan? A) Principal amount combined with interest amount in payment
B) Interest amount in payment
C) Tax amount in payment
D) Principal amount in payment
D) Principal amount in payment. The principal amount in a payment on a fixed-rate mortgage remains the same throughout the life of the loan. The other amounts (interest, taxes, and insurance) may change over time, depending on the market conditions.
A home loan option which is also known as a fixed-rate mortgage has an agreed-upon interest rate for the duration of the loan. In essence, the mortgage's interest rate won't vary over the loan's term, and the borrower's monthly interest and principal payments won't alter.The principal benefit of a fixed-rate loan is that it protects the borrower from abrupt, potentially large increases in their monthly mortgage payments in the event that interest rates rise.
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What you give up in the future to make a purchase today?
The answer to this question depends on the purchase you are making. Hence, I am giving answer to the best of my knowledge. Generally speaking, if you make a purchase today, you are giving up the ability to use that money for something else in the future.
You are also giving up the potential gains or savings that may have been earned by waiting to make the purchase. For example, if you make a purchase today, you are giving up the potential savings that may have been earned through interest or other investments.
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Trade credit may be used to finance a major part of the firm's working capital when Select one: O A. the firm extends more liberal credit terms than the supplier. OB. the firm extends less liberal credit terms than the supplier. OC. neither the firm nor the supplier extend credit. O D. the firm and the supplier both extend the same credit terms. The cost of failing to take a trade discount is. Select one: O A. Higher for terms of 2/10, net 60 than for terms of 2/10, net 30 OB Lower for terms of 2/10, net 60 than for terms of 2/10, net 30 OC. The same for terms 2/10, net 60 as for terms of 2/10, net 30 O D. Cannot be determined from the information provided
When the company gives more lenient credit terms than the supplier, trade credit may be used to fund a significant portion of the working capital of the company.
The trade of products and services from one person or organization to another often takes place in exchange for money. A system or network that permits trading is referred to as a market by economists. Before the invention of money, trades were carried out by bartering, or the direct exchange of one commodity or service for another. Today, the bulk of trade agreements are signed using a medium of exchange like money. As a result, buying can be distinguished from earning or selling. Trade was aided by the creation of money. Bilateral trade is defined as trading between two parties, whereas multilateral commerce comprises more than two parties. According to one contemporary viewpoint, trade is made feasible by specialization and the division of labor.
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There are economic concerns surrounding the products that have been genetically engineered for particular traits, including pharmaceutical products, crops, and enzymes used in manufacturing processes. What are the proposed economic concerns that affect society
The change of the original gene is the economic worry that society has with products that are genetically engineered for certain qualities, such as medications, crops, and enzymes used in industry and industrial processes.
Which one of the following describes a genetic engineering disadvantage?There are occasionally dormant routes in plants that lead to toxic substances. Genetic engineering has the potential to revive these latent processes, which would also increase the levels of dangerous compounds in the plants.
What benefits and drawbacks does genetic engineering offer to our culture?It was feasible to generate crop kinds that were thought to be "more advantageous" thanks to genetic engineering. Contemporary genetic modification is more gene-specific than selective breeding. The potential for selective breeding to produce undesirable features is one of its drawbacks.
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Affirmative action programs Question 39 options: involve the promotion of unqualified employees. only involve the training of individuals. are not very commonly used anymore because of reverse discrimination concerns. involve the recruitment, hiring, promotion, and training of qualified individuals.
Affirmative action programs involve the recruitment, hiring, promotion, and training of qualified individuals. Hence, option (d) can be regarded as the relevant choice of answer.
Give a brief account on affirmative action.In the United States, affirmative action refers to a proactive endeavour to increase the job or educational possibilities for women and members of underrepresented groups. Affirmative action is a set of policies, programmes, and practises that give minorities and women limited preferences in job hiring, admission to higher education institutions, the awarding of government contracts, and other social benefits. It was first implemented by the government as a response to the effects of pervasive discrimination against these groups. Age, gender, ethnic origin, and race are typical affirmative action eligibility factors. While civil rights law was removing the legal justification for discrimination, the Johnson administration (1963–1969) launched affirmative action to increase chances for African Americans.
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How do you gather information efficiently?
To gather information efficiently research, ask questions, and listen carefully to the answers.
Gathering information efficiently requires a combination of research and direct inquiry. Research can be done online or through print sources in order to learn about a topic more thoroughly.
Once a basic understanding has been established, it is important to ask questions that can help to further develop and refine the information. It is also beneficial to listen carefully to the answers and ask follow-up questions as needed.
Additionally, it is important to document the information gathered in an organized manner so that it is easy to refer to and review.
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Nori files a suit against Mica to enforce an oral contract for the sale of lakeshore property that would otherwise be unenforceable under the Statute of Frauds. The court could enforce the deal if:
Nori foreseeably and justifiably relied on Mica's promised to her detriment
Mica denies the existence of any contract
neither party has begun to perform
the deal does not involve customized goods
The court could enforce such a contract if a) Nori foreseeably and justifiably relied on Mica's promise to her detriment.
The promisor may be restrained from contesting the existence and legality of the contract if the promisee properly depends on the promise on which the promisor made the promise, to the prejudice of the promisee.
A substantive rule of contract law that states that if the evidence conflicts with or modifies the terms of a written contract, the court will not allow evidence of the parties' prior conversations, oral or written agreements, or contemporaneous oral agreements.
A verbal agreement is enforceable under the Uniform Commercial Code to the degree that either the buyer or the seller has accepted delivery of the items covered by the agreement.
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