Lisa Simpson, now age 20, wants to retire at age 65 with $1,500,000 in her Roth IRA. She plans to achieve this goal by depositing $3,000 at the end of each year with her last deposit at age 65 . What annual rate of return must lisa eam in order to reach her goal?
8.84%
7.21%
10.32%
8.57%
7.92%

When firms know who their rivals are and who their rivals' customers are, they are better equipped to engage in effective competitive analysis and customer targeting.

Knowing one's rivals allows a firm to assess their strengths, weaknesses, strategies, and market positioning. By understanding their competitors, companies can identify areas where they can differentiate themselves, capitalize on market gaps, or improve their own offerings. This knowledge helps in formulating competitive strategies and making informed business decisions.

Furthermore, having insights into their rivals' customers enables firms to identify potential target markets or customer segments. By understanding the preferences, needs, and behaviors of their rivals' customers, companies can tailor their marketing efforts and develop value propositions that resonate with these specific customer groups. This targeted approach increases the chances of attracting customers away from rivals and gaining a competitive edge.

Overall, awareness of rivals and their customers provides valuable information for competitive analysis and targeted marketing, allowing firms to make strategic decisions that can help them thrive in the marketplace.

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The price an investor would pay to buy the 20-year $1,000 7% Treasury note with semiannual coupon payments, which offers a 5% yield can be calculated as follows:The face value of the bond is $1,000.The coupon rate is 7%. It is paid semi-annually.The maturity period is 20 years.The yield is 5%.

It is the annual rate and is also called the discount rate or the required rate of return.The price an investor would pay to buy this note is calculated as the present value of the future cash flows, which includes the coupon payments and the face value of the bond at maturity.

Using the formula,

PV of bond = Σ(CFt) / (1+r)t,

where

CFt = cash flow in period t, r = required rate of return, and t = time period

The cash flows for the bond are as follows:

Year Cash flow Discount factor

(1+r)t

Present value (CFt / (1+r)t)1 $35 1.025 $34.152 $35 1.051 $32.2703 $35 1.078 $30.3954 $35 1.105 $28.5265 $35 1.133 $26.6636 $35 1.162 $24.8077 $35 1.191 $22.9578 $35 1.221 $21.1139 $35 1.252 $19.27410 $1,035 1.283 $804.9411 $1,035 1.315 $786.4712 $1,035 1.348 $768.34

The present value of the future cash flows is $1,251.03.

The investor would pay $1,251.03 to buy this note.

Hence, the correct option is A. $1,251.03.

Now, let's calculate the price an investor would pay to buy the 10-year $1,000 5% corporate bond with semiannual coupon payments, which offers a 7.14% yield.

Using the formula,

PV of bond = Σ(CFt) / (1+r)t, where CFt = cash flow in period t, r = required rate of return, and t = time period

The face value of the bond is $1,000.

The coupon rate is 5%. It is paid semi-annually.The maturity period is 10 years.The yield is 7.14%. It is the annual rate and is also called the discount rate or the required rate of return.

The cash flows for the bond are as follows:

Year Cash flow Discount factor

(1+r)t Present value (CFt / (1+r)t)1 $25 1.035 $24.2152 $25 1.071 $23.3303 $25 1.108 $22.4564 $25 1.146 $21.5925 $25 1.185 $20.7376 $25 1.225 $19.8917 $25 1.266 $19.0538 $25 1.308 $18.2249 $25 1.351 $17.40210 $1,025 1.394 $737.06

The present value of the future cash flows is $1,121.71.

The investor would pay $1,121.71 to buy this bond.

Hence, the correct option is B. $1,121.71.

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The new long-run equilibrium will be different from the original one because of the change in optimism among people.

When people become more optimistic about the future, it leads to an increase in aggregate demand, as people are more willing to spend and invest in the economy. This increase in aggregate demand leads to an increase in output and prices in the short run.

However, in the long run, the economy self-corrects through the adjustment of prices and wages. As prices increase, firms will be able to produce more output and hire more workers, which increases the supply of goods and services in the economy. This increase in supply ultimately leads to a new long-run equilibrium, where output is higher than the original long-run equilibrium and the price level is also higher.

It's important to note that the change in optimism among people can also lead to an increase in investment in the economy, which can lead to higher productivity and economic growth. This increase in productivity can further contribute to the increase in output in the long run. Additionally, the increase in output and prices can also lead to an increase in tax revenue for the government, which can be used to fund public goods and services or reduce the national debt.

However, it's important to also note that the increase in output and prices may not be sustainable if the increase in optimism is temporary or if the economy is already operating at full capacity. In these cases, the economy may experience inflationary pressures and eventually lead to a new recession if left unchecked. Therefore, it's important for policymakers to monitor the situation closely and take appropriate measures to ensure long-term stability and growth in the economy.

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Answer:

Pros: their easy to obtain, gets rid of the need to carry cacash to buy things, you can place limits on your spending so you dont  overspend, no fee to use, can be used to withdraw cast at ATM's

Cons: some companies systems accept prepaid debit cards, you risk losing money on debit card, easy to gain to your money if card is stolen and PIN is known.  

Explanation:

its up to you :)

Producing a product or service and making it available to buyers requires building relationships not only with customers but also with key suppliers and resellers in the company's supply chain.

To create and sell a product, a supply chain is created which is the network of all the individuals, organizations, activities, resources, and technology combined.

The accurate information about a supply chain saves companies money. Thus, it helps manufacturers and retailers produce and transport only what they can sell. This eliminates the unnecessary expenses.

For instance, the supply chain activities can include farming, designing,  manufacturing, packaging, or transporting.

Hence, the supply chain builds relationships.

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After settling a legal dispute, Frank must choose The immediate payment of $250,000, because it would be better as he could use the money immediately to invest it in a safe, low-return account. Therefore, option C is the correct option.

Investing or investment is a financial term. It is both a tool and a source to generate wealth and income. Investment means putting the money in respect of an object, as the value of the objects differs with time so the value of the money will also differ accordingly. This fact about investment makes it both, risky and profit-making at the same time.

Thus, after a legal dispute is resolved, Frank must select the $250,000 immediate payment because it would be preferable because he could use the money right away to invest it in a secure, low-return account. As a result, choice C is the best one.

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Answer:

The price of the cereal would fall.

Explanation:

In Economics, there are primarily two (2) factors which affect the availability and the price at which goods and services are sold or provided, these are demand and supply.

The law of demand states that, the higher the demand for goods and services, the higher the price it would be sold all things being equal. On the other hand, law of supply states that the higher the price of goods and services, the lower the supply.

When there is a surplus of a new brand of cereal in the market. What will likely happen to the price of the cereal is that the its price would fall.

Scarlett is graduating from culinary school soon and she often imagines opening her own comfort food restaurant, Restaurants are relatively easy businesses to start, but are labor intensive and also have the greatest failure rate.

Persuasiveness is one of the 6 Personality Traits Identified by Successful Entrepreneurs. Salesmanship is at the top of the list of qualities that successful entrepreneurs must possess, according to none other than Mark Cuban, owner of the Dallas Mavericks and Shark Tank investor.

Flexibility.

Creativity.

Self-motivation.

Tenacity.

Passion.

Two-thirds of new jobs are created by small firms, which also contribute 43.5% of the country's GDP (GDP). Small businesses not only drive innovation but also maintain a healthy economy. Per employee, small businesses issue 16 times more new patents than do major patenting companies.

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There must be a cordial relationship and trust between two manufacturers in a business ecosystem working towards developing a new product for consumers.

A business ecosystem is a deliberate commercial arrangement involving two or more organizations to develop and share a common value for consumers.

Every business ecosystem contains participants, and at least one of them serves as the controller. There must be a cordial relationship and trust between two manufacturers in a business ecosystem working towards developing a new product for consumers.

The primary advantage of adopting business ecosystems is to be better positioned, promote innovation, and maximize capital efficiency in order to produce customer value.

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If the government increases spending, output would increase, employment would increase, and the price level would increase. (option e)

When the government of a country increases its spending, it is known as an expansionary fiscal policy.

When government spending increases, the money supply in the economy would increase. As a result, production activities would increases. This would lead to an increase in employment. Also the price levels would also increase.

Other method by which the government can carry out an expansionary fiscal policy is by reducing taxes.

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Graphic design is a field that creative people with a love of art, technology, and communication might want to consider.

Graphic design is a field that creative people with a love of art, technology, and communication might want to consider.

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Answer:

pretty sure controllable bc controllable isn't a risk. ( I've I had brainliest could u pls give me it ???)

Answer:  B. Selling

Explanation:

Private sector housing schemes are market-driven, offer diverse options, and have higher prices. Government sector schemes prioritize social welfare, provide subsidies, and have regulations. Price ceilings set by the government ensure affordability, control monopolistic behavior, and promote social and political stability.

1) In terms of housing schemes, the differences between the private and government sectors can be summarized as follows:

Private Sector:

The private sector refers to housing developments and initiatives undertaken by private individuals, companies, or organizations. These projects are driven by profit motives and are typically aimed at meeting the demands of the market. Here are some key characteristics of the private sector in housing:

a. Market-driven: Private sector housing developments are influenced by market forces such as supply and demand. Developers assess the market conditions, identify profitable opportunities, and build housing units accordingly.

b. Diverse options: The private sector offers a wide range of housing options to cater to different segments of the population. These may include luxury apartments, townhouses, gated communities, and affordable housing projects.

c. Higher prices: Since the private sector operates for profit, the prices of housing units are generally higher compared to government sector schemes. The focus is on maximizing returns and catering to buyers with the ability to pay.

Example: A private real estate developer purchases a piece of land, develops it into a residential community with modern amenities, and sells the housing units at market prices to potential buyers.

Government Sector:

The government sector refers to housing schemes initiated and implemented by governmental bodies or agencies. These projects are driven by social objectives and aim to address housing needs, particularly for low-income and vulnerable populations. Here are some key characteristics of the government sector in housing:

a. Social objectives: Government sector housing initiatives prioritize social welfare and aim to provide affordable housing options to those in need. The focus is on addressing housing shortages and providing secure shelter for all citizens.

b. Subsidized housing: Government schemes often involve subsidies, grants, or financial assistance to make housing affordable for lower-income individuals and families. This may include rent control, low-interest loans, or direct provision of housing units.

c. Regulation and oversight: The government sector plays a regulatory role in setting standards, ensuring quality, and monitoring compliance in housing projects. It may enforce certain guidelines, building codes, and safety regulations.

Example: A government agency launches a low-income housing program, providing subsidized rental units for individuals and families with limited financial resources. The rents charged are below market rates, making them more affordable and accessible.

2) The government may set price ceilings for various reasons. A price ceiling refers to a maximum price that can be legally charged for a particular good or service. Here are some reasons why the government may implement price ceilings:

a. Affordability: Price ceilings are often imposed to make essential goods and services more affordable for the general population, especially low-income individuals or those facing financial difficulties. By capping prices, the government aims to prevent excessive price increases and ensure access to basic necessities.

Example: During times of natural disasters, the government may implement price ceilings on essential items like food, water, or shelter to prevent price gouging and ensure affordability for affected communities.

b. Market control: Price ceilings can be used to control and regulate markets where there is a risk of monopolistic or oligopolistic behavior. They prevent businesses from charging exorbitant prices and exploit consumers. By limiting prices, the government aims to promote fair competition and protect consumers from excessive market power.

Example: In some countries, governments may set price ceilings on essential utilities like electricity, water, or gas to prevent utility companies from exploiting their monopoly status and charging excessively high rates.

c. Social and political stability: Price ceilings can contribute to social and political stability by controlling inflation and reducing economic disparities. By preventing rapid price increases, the government aims to maintain social harmony and avoid potential unrest caused by high living costs.

Example: In certain regions or countries with volatile economies, the government may implement price ceilings on key commodities like fuel or staple food items to stabilize prices and ensure affordability for the population.

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Answer:A,B,E,F

Explanation:

In deciding to produce shoes, Savita chose the cheapest method, which meant that she only needed 20 out of her 30 workers. As a result, the 10 workers who are not needed will likely be laid off or let go. This can be a challenging situation for both the workers and the company.

For the workers, losing their job can be a significant financial setback, and they may struggle to find alternative employment. They may also feel a sense of loss or disappointment, as they had become invested in their work at Savita's company. In some cases, the workers may be entitled to some form of severance pay or support to help them transition to a new job.

For the company, the decision to lay off workers can be a difficult one, as it may impact the morale of remaining employees. The company may also need to incur costs associated with severance pay or unemployment benefits. However, if the company is struggling financially, reducing its workforce may be necessary to remain viable.

Overall, the decision to lay off workers is never easy, but it may be necessary in certain circumstances. Companies should aim to provide support and resources to workers who are impacted by layoffs, while also taking steps to ensure the long-term success of the business.

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Answer:

1. Bonds

2. Property

3. Mutual Funds

4. Starting a business

Explanation:

The Civil War and Reconstruction aused the us to shift its focus from foreign expansion and markets to domestic affairs by the 1860s.

Reconstruction is the time period (1865–1877) that followed the American Civil War, during which efforts were made to address the injustices of slavery and its political, social, and economic legacies as well as to find solutions to the issues brought on by the readmission to the Union of the 11 states that had seceded at or before the war's outbreak. Reconstruction was once widely perceived by historians as a period when vengeful Radical Republicans imposed Black supremacy on the victorious Confederacy, but since the late 20th century, this perception has changed to one that more favourably portrays it as a laudable example of interracial democracy. America's political landscape underwent significant shifts during reconstruction.

The federal government's structure and the meaning of citizenship in America were permanently transformed at the national level by new laws and constitutional amendments. The Republican Party came to power in the South with the help of a politically active Black population and white supporters, which led to a redefining of the roles of government.

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Goods and services are designed to satisfy wants and needs. In economics, goods are those that satisfy human needs and provide utility, such as a buyer purchasing a nice product.

It is customary to distinguish between transferable and non-transferable services. Both goods and services can be classified as these things. Services are ethereal in nature, whereas products are concrete in the sense that they exist in the physical world and can be touched. Commodities and services are both designed to be helpful and gratifying to the consumer. A service is defined as a "(intangible) act or usage for which a consumer, business, or government is willing to pay."

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The short-run supply curve for the firm is Q = (1/2) * (c(q)/2)^(1/3), where Q represents quantity supplied and c(q) represents the cost of producing that quantity.

To derive the short-run supply curve, we need to find the quantity that the firm is willing to supply at each price level. In the short run, the firm's output level is determined by its total cost curve, which is given as c(q) = 2 q3. The marginal cost (MC) curve, which represents the cost of producing an additional unit of output, is given by the derivative of the total cost curve with respect to quantity, i.e., MC = 6 q2.

To find the firm's short-run supply curve, we need to find the point on the MC curve where the price equals the marginal cost. Mathematically, we can express this as P = MC, where P represents the market price. Substituting the expression for MC, we get P = 6 q2.

Now, we need to solve for q in terms of P. Rearranging the equation, we get q = (P/6)^(1/2).

This equation tells us how much output the firm is willing to supply at any given price level. However, we need to express this in terms of the cost function c(q), which gives us the cost of producing that quantity. Substituting q into the expression for c(q), we get c(q) = 2(P/6)^(3/2) = (1/2) * (P/3)^(3/2).

Solving for P in terms of c(q), we get P = (2c(q)/3)^(2/3).

Finally, substituting this expression for P into our earlier equation for q, we get the short-run supply curve: Q = (1/2) * (c(q)/2)^(1/3).

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Answer:

1. Par Value of Preferred stock;

= Preferred stock value / Shares issued

= 1,400,000/280,000

= $5

2. Par Value of Common Stock

= Common stock value / Shares issued

= 2,000,002/1,000,000

= $2

3. Selling price per share including Paid-In Cap

Paid-in cap is the price of a share that exceeds its par value. Selling price therefore is;

= (Par Value + Paid In cap)/ Number of shares

= (2,000,000 + 6,000,000) / 1,000,000

= $8 per share

4.

DR Cash                                                         $1,400,000

     CR Preferred Stock                                                            $1,400,000

DR Cash                                                                $8,000,000

      CR Common Stock                                                                $2,000,000    

            Paid-In Capital in excess of par - Common Stock       $6,000,000

Answer:

D because they will feel like they are being cared about and will come back

The economic characteristic that Amelia took advantage of while choosing her career path was economic freedom after graduating with a degree in art history from a Texas college.

Personal choice, voluntary trade mediated by markets, freedom to access and engage in market competition, and defense of individuals and their property against outside violence are the pillars of economic freedom.

When property obtained without the use of force, fraud, or theft is safe from physical intrusions by others and is available for use, trade, or gift, individuals have economic freedom as long as their acts do not infringe upon the corresponding rights of others.

Individuals are free to make decisions, engage in commerce and cooperation, and engage in competition as they see fit.

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Answer:

18. b : most economic decisions are made by buyer and sellers

19. b : federal income tax

Explanation:

31  If a person has a negative self-description, this description is automatically memorized for future use by the part of his/her self-concept is self-image. Option A

32.  Negative management practices often push workers to organize labor unions. Option C

33. The Great Depression   is most likely responsible for shaping the values of the Pre-Baby Boomer Generation. Option D

31. If a person has a negative self-description, it is automatically memorized for future use by the part of their self-concept known as the self-image, which influences their self-perception and can impact their thoughts, feelings, and behaviors. Option A

32. s. Poor management techniques, such as unfair treatment, lack of communication, or abusive behavior, can create dissatisfaction among workers and motivate them to come together and form unions to address their concerns. Option C

33.  The Great Depression is most likely responsible for shaping the values of the Pre-Baby Boomer Generation. The severe economic crisis, lasting from 1929 to the late 1930s, brought about financial instability, high unemployment rates, and social upheaval, leading to values of frugality, hard work, resilience, and economic security among the individuals of this generation. Option D

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The activities buyers and sellers perform to facilitate mutually satisfying exchanges are called marketing.

Marketing refers to the techniques used to advertise and market goods and services to customers. Marketing entails a range of activities that encourage transactions between a company and its clients. It's a collection of operations aimed at generating, delivering, and promoting a product or service. Companies that use marketing effectively create sales leads and attract potential clients.

The objective of marketing is to identify and match a firm's goods and services to the demands of potential consumers. Companies use market research to help them create a marketing plan that appeals to their target market and generates profits. Therefore, the correct answer is marketing.

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Answer:

a computer forensics specialist is an information technology professional who collects and analyzes data from computers and electronic media to be used as legal evidence in criminal investigations.

Explanation:

3rd sentence

Answer:

Annuity

Explanation:

Life Insurance & Annuity have opposite goals.

Life Insurance provides insured person's family with lump sum payment, after individual dies.

Annuity provides insured person with assured income streams, throughout his or her lifetime.

They are opposite as one facilitates lifetime income security, however the other after life financial security.