American Dental assistants association (ADAA) is a tripartite organization formed by Juliette Southard.
The American Dental Assistants Association (ADAA) is a professional organization for dental assistants. It will be 97 years old in 2022. According to President Susan Camizzi, the organization's mission is to advance the careers of dental assistants and to advocate for the dental assisting profession in areas such as education, professional activities, credentialing, and legislation.
To advance the Association's ideals and growth in order to improve public access to and delivery of quality oral health care. Dental Assistants perform highly technical skilled work in the dental office under the supervision of dentists in a wide range of tasks ranging from patient care to administrative duties to laboratory functions.
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A company wishes to determine the eoq for an item that has an annual demand of 2,000 units, a cost per order of $75, and annual carrying cost of 7. 50 per unit. What is the eoq?.
The EOQ = 200.00
Demand = 2000 units, ordering cost = $75, holding/carrying cost = 7.50 per unit
EOQ= 2x Demand x ordering cost x holding cost
EOQ = 2x 2000 x 75 x 7.50
EOQ = 200.00
In the given question, we will calculate the EOQ by multiplying 2 with the demand, ordering cost or cost per order, and carrying cost.EOQ, or Economic Order Quantity, is the term. It is a measurement that is applied to supply, logistics, and operations management. In its simplest form, EOQ is a tool used to calculate the volume and frequency of orders necessary to meet a specific level of demand while lowering the cost per order.By setting the first-order derivative to zero, the Economic Order Quantity formula is determined by minimizing the overall cost per order. The cost of retaining inventory and the cost of ordering that inventory is the two halves of the formula that make up the overall cost per order.Learn more about Economic Order Quantity here:
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You buy a $100 ticket to a theme park and once inside you can ride on as many rides as you want at no extra cost. In this case, the opportunity cost of going on each ride will be zero. True or false?.
You buy a $one hundred price ticket to a theme park and once inside you may experience as many rides as you need at no extra cost. In this case, the possible value of happening every experience could be zero. False
The cost denotes the amount of money that an employer spends on the creation or manufacturing of goods or offerings. It does now not encompass the markup for income. From a vendor's point of view, a fee is the quantity of money that is spent to provide an excellent product.
Charges are the economic fee of expenses for substances, services, hard work, products, gadgets,s and other objects purchased to be used through a commercial enterprise or other accounting entity. it is the amount denoted on invoices because the rate recorded in the e-book preserves data as a price or asset cost basis.
Cost, in commonplace utilization, is the monetary price of goods and offerings that manufacturers and customers buy. In a primary monetary experience, the cost is the degree of the opportunity possibilities foregone inside the preference of 1 accurate or hobby over others. This essential price is usually referred to as possible value.
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12) use the following information to determine the margin of safety in dollars: unit sales 50,000 units dollar sales $ 500,000 fixed costs $ 204,000 variable costs $ 187,500 a) $88,500. b) $108,500. c) $173,600. d) $326,400. e) $500,000.
So the option c($173,600) is the correct answer.
[tex]\text { Contribution margin ratio }=\frac{\text { Sales }-\text { Variable costs }}{\text { Sales }} \times 100[/tex]
[tex]\text { Contribution margin ratio }=\frac{\$ 500,000-\$ 187,500}{\$ 500,000} \times 100[/tex]
[tex]\text { Contribution margin ratio }=\frac{\$ 312,500}{\$ 500,000} \times 100[/tex]
[tex]\text { Contribution margin ratio }=62.50 \%[/tex]
[tex]\text { Break }-\text { even sales }=\frac{\text { Fixed cost }}{\text { Contribution margin ratio }}[/tex]
[tex]\text { Break }-\text { even sales }=\frac{\$ 204,000}{62.50 \%}[/tex]
[tex]\text { Break }-\text { even sales }=\frac{\$ 204,000}{0.6250}[/tex]
[tex]\text { Break-even sales }=\$ 326,400[/tex]
Margin of safety in dollars = Actual sales - Break-even sales
Margin of safety in dollars = $500,000 - $326,400
Margin of safety in dollars = $173,600
Therefore the correct option is C
What is Margin of Safety?
Break-even seals are subtracted from the actual or anticipated quantity of sales to determine the margin of safety. Therefore, a company's access amount of sales above the break-even point is its margin of safety.
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If consumers view cappuccinos and lattés as substitutes, what would happen to the equilibrium price and quantity of lattés if the price of cappuccinos rises?.
If consumers view cappuccinos and lattés as substitutes, Both the equilibrium price and quantity would decrease.
The demand for cappuccinos will decrease and the equilibrium price of cappuccinos as well as the equilibrium quantity will decrease and people will drink less cappuccinos. From the demand and supply of the lattés market, we see that the new equilibrium price of the coffee decrease due to an increase in the supply of lattés . Since lattés and cappuccinos are substitute goods, the decrease in the price of lattés will make it more lucrative for the consumers to buy lattés such that the consumers will substitute cappuccinos for buying more units of lattés. This will reduce the demand for cappuccinos , causing the demand curve of tea will shift to the left. The supply of cappuccinos remaining the same, a decrease in demand for cappuccinos will lead to a decrease in equilibrium quantity and price of cappuccinos.
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if the united states exports more goods/services than it imports, then the united states would have a(n)
If the United States exports more goods/services than it imports, then the U.S. would have a(n) increased global impact.
What is increased global impact?Each region of the world is impacted by climate change in a unique way. Each region of the world will have to deal with a unique mix of effects brought on by climate change because of the Earth's biodiversity, shifting weather patterns, and geographic diversity. This could indicate a rise in the ferocity and frequency of severe weather phenomena like hurricanes and tornadoes, as well as protracted droughts and flooding. Unfortunately, food insecurity and a lack of clean water will continue to be challenges in those places.
Environmental refugees will become a brand-new issue as a result of climate change. With almost 24 million people already relocated, experts believe that there could soon be 50 million environmental refugees. Flooding, hurricanes, droughts, food scarcity, and social unrest have forced many migrants from their homes.
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the ability to see a market need and to organize inputs to meet that need is what type of market resource?
The ability to see a market need and to organize inputs to meet that need is what type of market resource: entrepreneurial ability
The type of market resource that is considered a very important ability is the entrepreneurial ability, because this is necessary to understand what are the needs of the market so that they can be satisfied in the best possible way through the offering of the right products and services, this type of ability is common of an entrepreneur.
What is an entrepreneur?An entrepreneur is a person who has the ability to start his or her own business which offers products or services solutions to market needs.
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Directions and Analysis
Task 1: Researching Emerging Technologies
Conduct online research and choose three emerging technologies that have the potential to
affect businesses positively.
Task 2: You have already identified three emerging technologies that have the potential to affect businesses. In this task, you will conduct research to learn about the uses and potential benefits of these technologies
Task 3: Conduct online research to learn about the lifestyle of emerging technologies. Provide a brief explanation of the generalized lifecycle of emerging technologies. Also, comment on the phase where the technology you have chosen lies.
Answer:
steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts steadfast hearts
spiceland , d., thomas, w., and hermann, d. (2021). financial accounting, 5th ed. mcgraw-hill education used
Spiceland , d., Thomas, w., and Herrmann, d. (2021). financial accounting, 5th ed. MCgraw-hill education used
The process of recording, compiling, and reporting a company's financial transactions is known as financial accounting. These four statements are the cash flow statement, the statement of retained earnings, the balance sheet, and the income statement.
What role does financial accounting play in general?
The fundamental duties of financial accounting include keeping track of and summarizing a business's financial activity and transactions. Creating formal financial reports each quarter's end. informing pertinent stakeholders of the company's financial situation.
Thomas, W., Spiceland, D., and Hermann, D. (2021). Fifth edition books on financial accounting are available from McGraw-Hill.
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contextual elements have required us to develop more sophisticated technologies at this particular stage of development.
We've had to create more complex technologies at this level of development because of contextual factors.
What are the qualities of the context?
We define contextual features generally as elements of the workplace that may have an impact on an employee's creativity but are not a part of the person. Therefore, work environment features, interpersonal interactions with coworkers, and relationships with supervisors would all be regarded as contextual elements.
What does the context mean?
elements that represent a certain context, traits particular to a specific group, community, civilization, and individual.
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a manager's reluctance to delegate, as seen in the video, relates to which of the four management functions?
Influencing is one of the management functions by which a manager's reluctance to delegate.
Why is delegation important?
Delegation is important because as a manager you can't and shouldn't do everything yourself. Delegation empowers teams, builds trust, and aids in professional development. And for leaders, it helps identify the best people to tackle a task or project.
How do you delegate your employees?
Delegating tasks to others should have clear direction and context. Let employees know why a task is assigned to them and how it benefits the overall project or organization. Please take the time to answer questions and provide feedback where appropriate.
How do officers delegate?
The delegating leadership style is a low-task, low-relationship leadership approach in which leaders empower individuals to exercise autonomy. Applying this approach means showing individuals the big picture and trusting them to deliver agreed-upon outcomes.
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Reporting revenues only when cash is received and expenses only when cash is paid is called the.
Reporting revenues only when cash is received and expenses, only when cash is paid, is called the With this method, revenue is recognized in the income statement only when the money is received. Fees are charged only when paid in cash. The cash method is typically used for financing small businesses and individuals.
In the cash method, income is recorded when money comes in, and expenses are recorded when it is paid. This is often considered the easiest method. Accrual accounting recognizes revenue when the sale occurs, regardless of whether cash is received. (In cash-basis accounting, income is not reflected on the income statement until the money is received.)
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there are times when marketers forget that marketing is not just a department, and they fail to market the dashboard to .
There are times when marketers forget that marketing is not just a department, and they fail to market the dashboard to Key stakeholders
What is key stakeholder?
The most important stakeholders in a given business are those who make up a company's key stakeholders. Any professional who is impacted by the operations, initiatives, and successes of an organization is a stakeholder. Different stakeholders have different types of and levels of interest in a company.
One of a company's most crucial stakeholders is a key stakeholder. Due to the fact that they are most impacted by a company's operations, key stakeholders are very interested in that company's success. Similar to this, a company's primary stakeholders frequently determine its success and growth.
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in addition to rights, consumers also have blank, such as, reporting the problem immediately and including important details and copies of receipts.
Responsibility as a consumer such as, reporting the problem immediately and including important details and copies of receipts.
The process of defending the general public against unethical business activities is known as consumer protection. Legal provisions for consumer protection are frequently made.
This means the consumer has a legal right to information about the items' quality, quantity, potency, purity, standard, and price in order to avoid unfair business practices. Before choosing or making a decision, the consumer should insist on acquiring all the facts about the good or service.
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a business person from the united states was introduced to the president of a company in another country
A businessperson from the United States was introduced to the president of a company in another country, and the businessperson immediately began treating the president as his equal. The president might be particularly offended if he is from Japan.
What is a U.S. Embassy?The base of operations for American diplomats stationed abroad is an embassy. It is often led by an ambassador, who serves as the president of the United States representative to the host nation. The capital city is often where an embassy is located. It might have consulate branches in other cities. Both foreign embassies and consulates in the United States as well as American embassies and consulates overseas have a special status. The security of American diplomats and the vicinity of an embassy is the responsibility of the host government, but the embassy itself belongs to the nation it represents. No one from the host nation may visit an embassy without authorization.
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mchenry, a new york resident, files a suit in a new york state court against oneworld inc., a company based in california. oneworld’s only contact with mchenry is the company’s app, which mchenry downloaded while traveling across the united states. according to the sliding-scale analysis, the factor most likely to confer jurisdiction on the new york court is
The factor that would be able to confer jurisdiction on McHenry would be the degree of interactivity via the app between McHenry and OneWorld.
What is meant by jurisdiction?This is the term that has to do with the right that the right and the power that is needed in order to interpret the constitution of a particular place. The issue is based on the fact that the lawsuit that McHenry filed is in order to fight the company that is called one world.
The sliding scale analysis can be defined as the analysis that is used to determine the exercise of jurisdiction when a person is outside a particular state, This would be based on the internet contract.
Hence we can say that The factor that would be able to confer jurisdiction on McHenry would be the degree of interactivity via the app between McHenry and OneWorld.
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on september 30, world co. borrowed $1,000,000 on a 9% note payable. world paid the first of four quarterly payments of $264,200 when due on december 30. in its income statement for the year, what amount should world report as interest expense? a. $0 b. $14,200 c. $22,500 d. $30,000
$22,500 should world reported as interest expense. Thus, option C is correct.
What is interest?Interest can be defined as the amount that is being paid on the loan or the sum that is being borrowed. It can be in a fixed amount or in a recurring rate.
The requirement is to determine the amount of interest expense that should be accrued.
borrowed = $1,000,000
note payable = 9%
Time period = four quarterly
Interest expense is calculated as
= $1,000,000 x 9% x 3/12 months
= $22,500.
The world should declare $22,500 as interest expense. Therefore, option C is the correct option.
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a t-bill with face value $10,000 and 81 days to maturity is selling at a bank discount ask yield of 2.8%. required: a. what is the price of the bill? (use 360 days a year. do not round intermediate calculations. round your answer to 2 decimal places.)
According to the given data with the face value of $10,000 and 81 days to maturity, the price of the t bill is 9917.83.
What is t bill with face value?T-bills, also known as Treasury Bills, are offered for maturities that range from a few days to 52 weeks. Rarely have bills sold for the same price as the par amount (also known as face value), which is the standard price at which they are traded. You receive payment of the bill's par amount when it matures. US Treasury bills are often auctioned off. T-bills are available for purchase from the government through the TreasuryDirect website. It will operate like a brokerage account that holds your bonds, and registration is free. You have the option to arrange reinvestments into securities of the same type and term in addition to placing bids on new issues.
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if retained earnings beginning is 100000 and dividends are 20000 and retained earnings ending is 10000 what is net income
The net income from the following data will be considered a loss of 70000.
What are retained earnings?Retained earnings can be defined as the part amount which is available for the business that they could reinvest again in the form of purchasing assets or adding a new product line. The retained earnings are also not distributed among the shareholders.
According to the question:
retained earnings beginning is, 100000
dividends are 20000
retained earnings ending is, 10000
Net income = retained earnings + dividend - beginning retained earning
=100000 + 20000 - 100000
= - 70000
Therefore, one can say that the company has incurred a loss of 70000.
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assume that interest rates on 20-year treasury and corporate bonds with different ratings, all of which are noncallable, are as follows
Assume that interest rates on 20-year treasury and corporate bonds with different ratings, all of which are noncallable, are as follows default risk differences.
The more credit danger related to an enterprise the better the fee of going back presented on its monetary contraptions, and that is reflected in the example given within the query. The T bond has the lowest chance of default due to the fact it's far assured by using the Treasury, so the return is the lowest.
The excellent-rated company bond has the bottom return among company bonds, and the worst-rated pays the best return bonds can be noncallable for a time period, giving a length of constant hobby payments to the customer after which, become callable after that period to allow the company to reset the interest fee at the debt specifically if the marketplace has changed. Noncallable security is a monetary safety that can't be redeemed early by the company besides from the fee of a penalty.
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the three main dimensions of information systems are management, organizations, and information technology.
The given statement is true in this question that is "management, organizations and information technology are three major dimensions of information systems"
Information systems support business operations. People, firms and technology are their main elements that together make an information system.
Each dimension of information systems is briefly explained below:
Management: Management dimension of information systems includes management and leadership behavior. It provides tools and techniques to managers for allocating, coordinating and monitoring work, creating new products and services, making strategic decisions, producing financial statements and forecasts, Organizations: Since information systems are used in organizations, they have culture, business procedures, functional specialties, political interest groups, and hierarchy of organizations embedded in them. Any changes in organizations’ settings ultimately require changes in the information systems. Information systems impact objectives, structure and products of an organization to a great extent. Organizations make decisions based on the information delivered by information systems. Information Technology: Information technology dimension of an information system includes hardware, software, telecommunications/networking technology and data management technology. The dimension provides the foundation on which information systems are built. Without information technology, information systems cannot be created and offer services.The complete question is given below:
"The three main dimensions of information systems are management, organizations, and information technology.
TrueFalse"
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On december 1, 2022, escobar consulting, which uses a calendar year as its fiscal year, signs a $4,000, 12%, four-month note payable. Journalize the entry to record the payment of the note and entire interest on april 1, 2023.
$4000 in Payable Debit Notes Debt Interest Charge: 120 Credit Cash $4,160 Debit Interest Due 40
(4,000 x 12%) x 4/12 = $160 is the total amount of interest costs.
The monthly interest expense is therefore (160/4) = $40.
In light of this, the interest expenditure for December 2016 should be reported as $40 in interest payable (current liability), which would be paid today.
Thus, the journal entry is:
Notes due on account.
Dr$4000
Interest due is Dr. $40 in Interest expense is Dr. 120
$4160 to be cashed.
The ability to withdraw money from a current bank account without having a credit balance is known as cash credit, but it is only available up to the borrowing limit, which is set by the commercial bank. With this facility, interest is calculated daily closing balance rather than the bank-provided borrowing limit.
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jenna wants to save a $10,000 trust fund she received when she turned 21, and add $50 per month as emergency funds. she has narrowed her search for a savings account to 2 banks, bank a and bank b. bank a pays a fixed rate of interest, and bank b pays a variable rate, but both rates are currently the same. jenna’s trusted friend advises her to make the selection based upon her banking needs in consideration of the other services and fees of the banks, because the interest rates are the same.
Jenna’s trusted friend advises her to make the selection based upon her banking needs in consideration of the other services and fees of the banks because the interest rates are the same. Choose the variable rate because if it goes up, you will make a lot of money that will pay for the fees.
A financial institution is a monetary organization that accepts deposits from the general public and creates a call for deposit at the same time as simultaneously making loans. Lending activities can be at once performed by using the bank or not directly through capital markets.
A bank is a monetary institution licensed to receive deposits and make loans. There are numerous forms of banks together with retail, commercial, and funding banks. In maximum nations, banks are regulated through the countrywide government or significant bank.
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Answer - Letter C: Choose the variable rate because if it goes up, you will make a lot of money that will pay for the fees.
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Have a great day and God bless! :)
Which forms of investment generally pay a higher rate of return than traditional banks? A. Mutual funds, savings accounts, and money market accounts B. High-yield bonds, certificates of deposit, and money market accounts C. Bonds, stocks, and certificates of deposit D. Stocks, bonds, and mutual funds
B. High-yield bonds, certificates of deposit, and money market accounts,
These forms of investment generally pay a higher rate of return than traditional banks
Funding is the determination of an asset to acquire an boom in fee over a time period. Investment calls for a sacrifice of some present asset, which include time, cash, or effort. In finance, the reason of investing is to generate a go back from the invested asset.
An investment is an asset or item obtained with the aim of producing income or appreciation. Appreciation refers to the growth inside the cost of an asset over the years. When a character purchases an excellent as an investment, the motive isn't always to devour the coolest however as an alternative to apply it in the destiny to create wealth.
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the level of total investment by firms in new machinery and equipment helps to determine how rapidly the economy grows. this is a ▼ issue. however, to understand how much new machinery and equipment firms decide to purchase, one must analyze the incentives individual firms face, which is a ▼ macroeconomic microeconomic issue.
The level of total investment by firms in new machinery and equipment helps to determine how rapidly the economy grows. this is a macroeconomic microeconomic issue.
Investing generally means investing money in some project or business over a period of time to generate a positive return (that is, a gain in excess of the original investment). It is the act of allocating resources, usually the capital, in the hope of generating income, profit, or profit.
You can invest (directly or indirectly) in many types of ventures, including B. Investing in assets such as using the money to start a business, buying a property with the hope of earning rental income, and later reselling it at a higher price.
Investing differs from saving in that money is put to work. There is an implicit risk that the project involved will fail and you will lose money. Investing also differs from speculation in that money itself is not used in speculation but is based on short-term price fluctuations.
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the way in which a country's resources are utilized to produce goods and services and the way those goods and services are distributed among those who desire to have them depends upon the multiple choice stage of development of those resources. economic system under which the country operates. number of documented economically disadvantaged persons in the nation. availability of tangible versus intangible resources.
The way in which a country's resources are utilized to produce goods and services and the way they are distributed among those who desire to have them depends upon economic system under which the country operates.
In an economic system, production and consumption of activities determines how resources should allocated among all of its consumers. If only we had more resources we could produce more goods and services and satisfy more of our wants.
So in a country, the resources must be utilized properly in order to produce goods and services and fulfill the wants. As, if the recourses are not utilized properly, this will thus lead to scarcity.
Thus, the utilization and distribution depends upon economic system under which the country operates.
Hence, option B is correct.
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you are a member of the management team at goliath financial. recently, a staff programmer, eric dynamic, applied for a more senior position with the company but the position was given to someone else
The first direction of motion must be to attempt to recover the erased documents from backups, model manipulates systems, and so forth. The worker ought to be pursued legally. Mr. Dynamic erased documents that could have been essential to the organization and may have positioned different human beings' cash at stake as Goliath Financials is an economic organization.
Version control systems like git should be available in handy to test what code modifications were made with the aid of Mr. Dynamic for the duration of the previous few days. The absence of code evaluations and safety opinions allowed it to take place.No, the departing staff should not be allowed to make software installs. A disgruntled worker can motivate records breaches and may reason a leak of crucial data.
Consequently, the IT department should hold a near take a look at at the departing staff. An unpleased employee is much more likely to reason damage subsequently powerful control and independent appraisal structures ought to be there. Code reviews code ought to be reviewed with the aid of friends before its miles are allowed to be driven to the code base. enterprise guidelines should be modified. strong screening of new hires, and in-intensity interviews. handiest hire accurate people, first of all.
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Chapter Two Mini-Case Discussion (from textbook):
Is a Franchise Right for Me?
Based on the projected occupancy, average rate, and the fees associated with the franchise, should Tom become a franchisee, or should he
pursue other options? Explain your decision?
Tom can become a franchisee.
At 60% occupancy, his projected daily rate is 55$, resulting in a monthly income of 148500$. Deducting the royalty fee and license fee of 5% of profits and the program cost of 4% of income from the sum of 13365$, we receive 135135$. He has monthly earnings of $90135 after further lowering the licensing costs of $45000. Even if he decides to pay 10% or more in extra charges for a full-service hotel, he will still make a significant profit because the return on his investment will be high.
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karolyn purchased a movie-theatre style popcorn maker from party supply company. the glass overheated and shattered, injuring karolyn. she wants restitution but does not want to sue the company. she feels that the best way to handle this would be to present outlines of evidence to a judge and panel members who will issue an advisory verdict to start the settlement process. what type of dispute resolution would be best for karolyn? a. arbitration b. mediation c. minitrial d. summary jury trial
Summary Jury Trial would be the best dispute for karolyn
What is summary jury trial?A summary of a civil case is typically presented to an advisory jury during a summary jury trial in order to illustrate the parties how a jury would respond to the evidence. The process has no legal effect. However, brief jury trials typically promote conflict resolution.
Summary jury trials are typically utilized in matters that are too complex for a drawn-out full trial and reject conventional pretrial settlement techniques. More than actual legal issues, the dynamics of the dispute decide whether or not cases are appropriate for summary jury trials.
At the final pretrial session, when preparations for the summary trial process are made, it is customary to decide whether to submit a matter to a summary jury trial.
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companies today are finding that to survive, they must compete in international markets and fend off foreign competitors' attempts to gain ground in the united states. what would help businesses in the united states meet these challenges?
The factor that would help the businesses in the united states meet these challenges is They must prepare employees for global assignments.
What is Global assignments?Global assignments is known to be a term that is often used if an employers is said to be assigning their employees to do or carry out any given projects that can be globally implemented.
Note that a Global assignments are known to be task that often take place a lot in multinational firms and may involve a said employees do trying to relocate from their current state or country to a place that is different such as a different country where the assignment is known to be assigned.
Hence, The factor that would help the businesses in the united states meet these challenges is They must prepare employees for global assignments.
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See question below
Companies are finding that to survive they must contend in international markets as well as fend off foreign competitors' attempts to gain ground in the United States. What would help businesses in the United States meet these challenges? O They must eliminate reshoring-reestablishing operations in North America. O They must reduce the workforce with a "grenade" approach-by eliminating an entire group of employees. O They must prepare employees for global assignments. O They must hire only from a domestic labor pool. O They must focus on developing domestic markets rather than on developing global markets.
Consider a person who’s drowning in debt with credit cards, car payments, and student loans. What advice would you have for them? what can you do now to make sure you don’t end up in this situation later in life?.
One of the most crucial actions you can take when you're buried in debt is to create a budget. It will reveal where your money is going and the source of your sense of impending doom.
Define debts.When one party borrows anything from another, usually money, it is said to be in debt. Many companies and individuals use debt to cover big expenses that they otherwise couldn't afford. A debt arrangement is a contract to borrow money with the requirement that it be paid back later, frequently with interest.
The most common type of debt is a loan, such as a mortgage, car loan, personal loan, or credit card debt. The terms of a loan require the borrower to repay the loan's outstanding balance by a specific date, which is typically several years in the future.
The loan terms also include the amount of interest that the borrower must pay annually, expressed as a percentage of the loan amount.
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