The following is not one of the capital markets instruments:
Commercial paper
Commercial paper is a type of short-term debt instrument that is typically issued by corporations to meet short-term funding needs. It is a type of money market instrument, which is a component of the broader financial market. The capital markets, on the other hand, are venues where savings and investments are channeled between suppliers and users of funds.
The suppliers of funds include households, institutions like pension and retirement funds, life insurance companies, charitable foundations, and non-financial companies that generate excess cash. The users of funds include home and motor vehicle purchasers, non-financial companies, and governments financing infrastructure investment and operating expenses.
The capital markets are used primarily to sell financial products such as equities and debt securities. Examples of capital market instruments include U.S. Treasury bonds, U.S. Treasury notes, and municipal bonds. The search results provide additional information on capital markets, including how they work, the differences between capital markets and money markets, and the importance of regulatory capital in the banking industry.
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4. Many jurisdictions/organizations configure their EOCs using the standard _______ organizational structure
According to the research studies, many jurisdictions/organizations configure their EOCs using the standard Incident Command System (ICS) organizational structure.
The Incident Command System (ICS) is the process or the system which the firms employ to ensure that their Emergency Operations Centers function well and effectively.
The Incident Command System (ICS) is categorized into five major components, which include the following:
Command, Operations, Planning, Logistics, Finance/Administration.Hence, in this case, it is concluded that the correct answer is "Incident Command System (ICS)."
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Elle is in high school and wants to have job until she graduates. Which job would she be most qualified for until she graduates high school?
O Purchasing Agent
O Cashier
O Sales Agent
O Interviewer
First of all we should understand the nature of job of Purchasing Agent, Cashier, Sales Agent and an Interviewer to decide which option should Elle would be most qualified for until she graduates high school.
Who is a Purchasing Agent?The persons who buy the parts and materials that help in the production of goods are called purchasing agents or purchasers.
Buyers and purchasing agents review the history and quality of the suppliers before making the purchase. They should be qualified enough to consider price, quality, availability, reliability, and technical support when choosing suppliers and merchandise.
Who is a Cashier?A cashier is a person who handles the cash register at various locations such as the point of sale in places such as shops or banks.
He is also known as teller, accountant, clerk, treasurer. Only qualified and skilled persons can perform the role of cashier.
Who is a Sales Agent?A person hired by any company to sell its products or services is known as Sales agent.
A sales agent take orders, offer services and provide support in person and via telephone or internet. This job can be done with little training and less qualification.
Who is an Interviewer?A person who conducts an interview to hire the candidates is known as Interviewer. To be an interviewer, a person needs to be well qualified with great communication skills.
So, the best role that Elle can take up until she graduates is that of a Sales Agent.
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A competitive firm maximizes profit by choosing the quantity at which.
Profit maximization can be achieved by a competitive corporation by choosing a quantity of output such that marginal revenue equals marginal cost.
How does a corporation maximize its profit?A corporation maximizes income via way of means of operating wherein marginal revenue equals marginal price. The corporation chooses quantity in order for that rate to equal marginal value so that it can maximize its profit.
Therefore, When the marginal revenue for an aggressive corporation equals the market rate, the firm maximizes its profit.
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Sarah buys 500 shares of stock at $18 and sells the holding for a capital gain of $3,000. What was the share price at the time of the sale?
Answer:
$24
Explanation:
500 * 18 = $9000 worth of stock initially.
She sells with a $3000 gain, which means the value of the stock is $12000
12000/500 = $24
Type of energy classified as solids
the jackson-timberlake wardrobe company just paid a dividend of $1.30 per share on its stock. the dividends are expected to grow at a constant rate of 7 percent per year indefinitely. a. if investors require a return of 11 percent on the company's stock, what is the current price? b. what will the price be in 4 years?
Part a: the current price of the stock is $34.77
Part b: The price of the stock in 4 years will be $45.57
A dividend is a payment made by a corporation to its shareholders that is decided by the board of directors. Dividend payments are frequently made quarterly and might take the form of cash payments or stock reinvestments.
The dividend yield, which is the dividend per share, is stated as a percentage of the share price of a corporation, for example, 2.5%.
Dividend = $1.30
Growth rate = 7%
Part a:
Required return = 11%
Current price = D1/Required return - the growth rate
= 1.30*(1+0.07)/0.11-0.07
= 1.391/0.04
= $34.77
Part b:
We use the formula:
\(A = P(1 + r/100)^n\)
where,
A = future value
P = present value
r = rate of interest
n = time period
A = 34.77(1.07)^4
= $45.57
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If you’re thinking about a career as an applied mathematician, you should consider researching the_cluster. Within this cluster, you’ll find that most of the careers require_in order to have the knowledge and skills needed to excel in these positions.
Answer:
Mathematical literacy is the ability to analyze, reason, and communicate ideas effectively through posing, formulating, solving, and interpreting solutions to mathematical problems in a variety of situations.
The following clusters should be researched;
• Probability/Statistics
• Research/Optimization
• Discrete Mathematics
• Scientific Computing
The programs that emphasize mathematical reasoning, mathematical modeling and computation, abstraction from the particular, innovative application of mathematics, and development of new methodology.
Explanation:
A forensic accountant is similar to a(n) ______
because they both work to combat accounting fraud
A. international accountant
B. auditor
C. certified public accountant
D. general ledger accountant
SUBMIT
Answer:
B. auditor
Explanation:
The work of an auditor and that of the forensic accountants are very similar. They both examine financial records and statements of an organization to confirm their accuracy. The auditor and forensic accountant are specialized officers. They have been trained to detect fraudulent reporting in financial statements. After evaluating the books of account, they form an opinion based on their findings.
Gross Domestic Product or GDP can be
a)Value of output of goods and services during one year
b) National Income
c)National Output
d)Aggregate Demand
e)All the stuff made by one country in one year
f)All of the above or any of the above
Answer:
f)All of the above or any of the above
Explanation:
GDP or gross domestic product is the aggregate of the values of goods and services produced within a country's boundaries. In calculating the value of GDP, economists consider the value of finished goods only.
GDP is calculated using the expenditure approach and the income approach. With the expenditure approach, GDP is the sum of all consumers, government, incomes, and net imports. The result is GDP and also the aggregate demand.
In the income approach, the GDP is the sum of all national incomes . In other words, GDP is equal to Sales Taxes plus Depreciation and Net Foreign Factor Income.
Mobile phone manufacturers are facing hyper competition in the world mobile market. Due to the inconsistency of the customers' preference, you wished to determine whether the production is equally distributed among six mobile phone brands (i.e., Samsung, Apple, Xiaomi, Huawei, Sony and XY). A sample of 120 production provides these data in following table. Test whether the production is equally distributed among the six mobile phone brands difference in the observed and expected data are significant at 5% level of significance.
The chi-square test results indicate that the production distribution among the six mobile phone brands is not equally distributed at a 5% level of significance.
To test whether the production distribution is equally distributed among the six mobile phone brands, we can perform a chi-square test of independence.
Step 1: Set up the null hypothesis (H0) and alternative hypothesis (H1):
H0: The production distribution is equally distributed among the six mobile phone brands.
H1: The production distribution is not equally distributed among the six mobile phone brands.
Step 2: Calculate the expected frequencies for each brand under the assumption of equal distribution.
Expected frequency = (Total production / Number of brands) = 120 / 6 = 20
Step 3: Calculate the chi-square test statistic:
Chi-square test statistic = Σ((Observed frequency - Expected frequency)^2 / Expected frequency)
Using the provided data, calculate the chi-square test statistic based on the observed and expected frequencies for each brand.
Step 4: Determine the degrees of freedom (df):
df = (Number of rows - 1) * (Number of columns - 1) = (6 - 1) * (1 - 1) = 5 * 0 = 0
Step 5: Compare the calculated chi-square test statistic with the critical value from the chi-square distribution table for a 5% level of significance and the degrees of freedom.
If the calculated chi-square value exceeds the critical value, we reject the null hypothesis. Otherwise, we fail to reject the null hypothesis.
Based on the calculated chi-square test statistic and the critical value, we can determine whether the production distribution among the six mobile phone brands is equally distributed or not at a 5% level of significance.
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the only reason why the price would fall on a corporate bond is if market interest rates increase. true or false
The given statement, "the only reason why the price would fall on a corporate bond is if market interest rates increase" is not entirely correct. Although, it is correct that market interest rates are one of the essential factors that impact the price of a corporate bond, several other factors affect the bond price.
For instance, when there is a higher demand for corporate bonds, the bond's price tends to increase. In contrast, if there is a low demand for bonds, the bond price decreases, and investors may sell their bonds to avoid further losses.On the other hand, changes in credit ratings may also affect bond prices. A credit rating is a measure of an issuer's creditworthiness. A high credit rating implies that the issuer is less likely to default on the bond, while a low credit rating indicates that the issuer is more likely to default on the bond.
Therefore, a bond with a lower credit rating may have a lower price compared to a bond with a higher credit rating.Furthermore, the inflation rate also has a considerable impact on bond prices. High inflation rates decrease bond prices because they reduce the bond's purchasing power over time. As a result, when the inflation rate is high, investors may sell their bonds to prevent further losses. Overall, the statement, "the only reason why the price would fall on a corporate bond is if market interest rates increase" is not true since other factors may affect bond prices.
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Which statement best illustrates the relationship between three different
elements of the circular flow of products?
A. Product markets offer labor to businesses, which creates jobs for
households.
B. Resource markets sell goods to product markets, which sell the
goods to businesses
C. Households pay wages to businesses, which can then set up
product markets.
D. Businesses create goods for product markets, which sell them
directly to households.
Answer: is D
Explanation:
The statement, businesses create goods for product markets, which sell them directly to households, is best illustrates the relationship between three different elements of the circular flow of products.
What is a circular flow?
The most popular version of this model displays the circular flow of revenue between the consumer and business sectors. The product market and the resource market are placed between the two.
Consumer spending is the mechanism through which households' money flows to the market for goods and services when they are in need of them. The product market purchases goods and services from companies and sells them to households, making a profit.
As a result, option (d) is correct.
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what is the most important factor determining if a consumer product will succeed or fail?
The success or failure of a consumer product is influenced by various factors, and it is challenging to pinpoint a single most important factor.
Here are some key factors that contribute to the success or failure of a consumer product:
Market Demand: Understanding the target market and identifying a genuine need or desire that the product addresses is crucial. Products that effectively fulfill a significant market demand are more likely to succeed.
Product Differentiation: The ability of a product to stand out and differentiate itself from competitors is vital. Unique features, innovative design, superior quality, or added value can help a product gain a competitive edge.
Quality and Reliability: Consumers expect products to be of high quality and reliable in terms of performance, durability, and safety. Products that consistently deliver on quality tend to gain customer trust and loyalty.
Pricing Strategy: Setting the right price point for the product is crucial. It should be competitive, considering factors such as production costs, perceived value, and pricing strategies of competitors. Overpricing or underpricing can impact consumer perception and demand.
Marketing and Promotion: Effective marketing and promotion play a significant role in creating awareness, generating interest, and influencing consumer purchasing decisions. A well-executed marketing campaign can significantly impact a product's success.
Distribution and Accessibility: Ensuring that the product is readily available to consumers through appropriate distribution channels is essential. Easy accessibility, convenient availability, and efficient logistics contribute to consumer satisfaction and adoption.
Customer Satisfaction and Reviews: Positive customer experiences, word-of-mouth recommendations, and favorable reviews can contribute to a product's success. Satisfied customers are more likely to become repeat customers and advocates for the product.
It's important to note that the success of a consumer product is often influenced by a combination of these factors, as well as external factors such as market conditions, competition, technological advancements, and evolving consumer preferences. Companies that effectively address these factors and continually adapt to changing dynamics are more likely to have successful consumer products.
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Jim and Evan enter into a real estate contract. The contract allows Evan to get a mortgage at 5% interest. But after due diligence, Evan can only get a mortgage at 8% interest. What will happen to the real estate contract
Since Evan can only get a mortgage at 8% interest instead of at 5%, the real estate contract suffers termination by contingency.
What is a contingency?A contingency in a real estate contact is a term that is required to happen before its closing.
Thus, termination by contingency will allow Jim to terminate the contract without consequences.
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HELP
Question
Q. To properly manage your checking account you should do which of the following?
A.Update your transaction register regularly to include all checks, ATM withdrawals, and debit card purchases.
B.Balance your checkbook daily using the most current information about your account by phone, ATM, or online.
C.Promptly review your checking account statement every month.
D.All of the above
Which of the following is an example of human resources planning?
A. An employee complains to his manager that he is being asked to
work too many hours.
B. An HR manager talks with department managers to determine
which workers are needed,
C. Two workers disagree with each other about the sufficiency of the
benefits the HR department offers,
D. A CEO talks with the HR manager about the value of the company
and decides that it needs to grow.
SUBMIT
Answer:
B. An HR manager talks with department managers to determine which workers are needed,
Which of the following is a benefit associated with regional economic integration?
A. Trade creation
B. Trade diversion
C. Loss of jobs
D. Loss of sovereignty
Answer:
its b
Explanation:
Answer: The answer is Trade creation
Explanation: I took the test
The testator, a widower, had his attorney prepare a will according to the testator's instructions. The attorney mailed the will to the testator. The testator signed the will in the presence of his father, and asked his father to sign the will as a witness, which his father did. The testator then showed the will to his adult son, told him that the signature on the will was his, and asked his son to sign the will as a witness as well. The testator's will devised $100,000 to his adult son, with the remainder of the testator's estate passing to his other two sons in equal shares. When the testator died, the will was offered for probate. The testator was survived by the father, the adult son, and the other two sons. As witnesses, the father and the son are asked to testify to the facts concerning the execution of the will. Should the testator's will be admitted to probate?
Answers:
A. Yes, because the father and the adult son both testified to the facts concerning the execution of the will.
B. No, because the father and the adult son did not sign the will in each other's presence.
C. Yes, because the will had the necessary two witnesses.
D. No, because the father and the adult son are also beneficiaries.
Answer: No, because the father and the adult son did not sign the will in each other's presence
Explanation:
The testator's will should not be admitted to probate because the father and the adult son did not sign the will in each other's presence.
A will requires a writing such that the testator will sign in the joint presence of two attesting witnesses. It should also be noted that both witnesses understand the importance of that act of the testator and then sign in each other's presence.
short poem on professional
Answer:
professional When you walk into work you make a schedule It's not something to be ashamed of It's something to work hard on keep on moving in the game you'll make it so far You will live in a big house and maybe buy a car Whan I think everybody is special and if you think about it be we'll all be professional
Explanation:
an old man is selling a car you are interested in, he states the car has 57,000 miles on it. the car actually had 157,000 miles on it. the man selling the car did not know of this since he had bought it from a previous owner did not tell him of the additional 100,000 miles. what is this an example of?
This is an example of Misrepresentation.
What is Misrepresentation?
A misleading statement of a substantial fact made by one party that influences the other party's decision to enter into a contract is referred to as a misrepresentation.
The agreement may be deemed void if the deception is uncovered. The person who has been negatively damaged may claim damages depending on the circumstances. In this kind of contract dispute, the plaintiff is the person asserting the claim, and the party accused of creating the misrepresentation is the defendant.
Types of Misrepresentation:Misrepresentations come in three different flavors.
A false statement of a substantial fact made by the defendant that was untrue when the contract was signed constitutes innocent misrepresentation. Rescission or cancellation of the contract is typically the appropriate course of action in this case.
Negligent misrepresentation is when the defendant made a claim without making any effort to confirm that it was accurate prior to sign a contract. This goes against the idea of using "reasonable care," which a party is required to do before making an agreement. Contract revocation and maybe financial compensation are the remedies for irresponsible misrepresentation.
A statement that the defendant made recklessly or with the knowledge that it was untrue in order to persuade the other party to enter into a contract is considered fraudulent misrepresentation.
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Brent called insurance companies and got insurance quotes for the three trucks. Both the 1996 Ford F150 and the 1998 Chevy 1500 were quoted for $250 and the 2000 Toyota Tundra was quoted for $245. To help Brent make his decision gather some more reliable information by using newspapers, or looking at their Web sites, and reviewing consumer magazines and Web sites. Also, look at the manufacturer Web site or www.fueleconomy.gov for information about gas mileage. List the sources you use and include the notes you take from each source.
Use the PACED decision-making process to make the decision for Brent. Show your work.
The sources that one could use to gather some more reliable information regarding the insurance companies are;
P - Problem - there is a need to make a choice
A - Alternatives - The alternatives here are two insurance companies
C - Criteria - We need to establish the company that is more reliable
E - Evaluate - This is the process of comparing information obtained about both companies
D - Decision making - This is the process of making a decision to go with the best insurance company.
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Advertising, personal selling, publicity, and sales promotion are collectively known as the?.
Answer: promotion mix
Pastina Company sells various types of pasta to grocery chains as private label brands. The company's reporting year-end is December 31. The unadjusted trial balance as of December 31, 2021, appears below.
Account Title Debits Credits
Cash35,500
Accounts receivable43,000
Supplies3,000 Inventory63,000
Notes receivable23,000
Interest receivable0
Prepaid rent2,500
Prepaid insurance9,000
Office equipment92,000
Accumulated depreciation 34,500
Accounts payable 34,000
Salaries payable 0
Notes payable 53,000
Interest payable 0
Deferred sales revenue 3,500
Common stock 81,000
Retained earnings 36,000
Dividends7,000
Sales revenue 161,000
Interest revenue 0
Cost of goods sold85,000
Salaries expense20,400
Rent expense12,500
Depreciation expense0
Interest expense0
Supplies expense2,600
Insurance expense0
Advertising expense4,500
Totals 358,600 358,600 Information necessary to prepare the year-end adjusting entries appears below.1. Depreciation on the office equipment for the year is $10,300.2. Employee salaries are paid twice a month, on the 22nd for salaries earned from the 1st through the 15th, and on the 7th of the following month for salaries earned from the 16th through the end of the month. Salaries earned from December 16 through December 31, 2021, were $900.3. On October 1, 2021, Pastina borrowed $50,600 from a local bank and signed a note. The note requires interest to be paid annually on September 30 at 12%. The principal is due in 10 years.4. On March 1, 2021, the company lent a supplier $20,600 and a note was signed requiring principal and interest at 8% to be paid on February 28, 2022.5. On April 1, 2021, the company paid an insurance company $6,600 for a one-year fire insurance policy. The entire $6,600 was debited to prepaid insurance.6. $560 of supplies remained on hand at December 31, 2021.7. A customer paid Pastina $2,300 in December for 900 pounds of spaghetti to be delivered in January 2022. Pastina credited deferred sales revenue.8. On December 1, 2021, $1,200 rent was paid to the owner of the building. The payment represented rent for December 2021 and January 2022 at $600 per month. The entire amount was debited to prepaid rent.Prepare closing entries.
The necessary December 31, 2021, adjusting journal entries are: Debit Depreciation expenses $10,300, Credit Accumulated depreciation $10,300.
Journal entriesPastina Company Adjusting entries
Debit Depreciation expenses $10,300
Credit Accumulated depreciation $10,300
Debit Wages expense $900
Credit Wages payable $900
Debit Interest expense $1,518
($50,600 × 12% × 3/12)
Credit Interest payable $1,518
Debit Interest receivable $1,373
($20,600 × 8% × 10/12)
Credit Interest revenue
Debit Prepaid insurance $4,125
($6,600 × 15/24)
Credit Insurance expense $4,125
Debit Supplies expense $340
($900 − $560)
Credit Supplies $340
Debit Sales revenue $2,300
Credit Unearned revenue $2,300
Debit Rent expense $600
Credit Prepaid rent $600
Therefore the necessary December 31, 2021, adjusting journal entries are: Debit Depreciation expenses $10,300, Credit Accumulated depreciation $10,300.
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Segmentation and targeting are two key marketing tactics that must always be on the forefront of a marketer’s mind when developing a marketing strategy. Consider your readings as you compile your initial post to the prompts below:
You have been promoted to Marketing Manager at Rossignol, one of the leading manufacturers of skiing and snowboarding equipment. Your first task is to come up with a new marketing campaign for the 2019-2020 winter season. Your objective is to increase overall sales of their Alpine (downhill) ski line. Before you go ahead and do that, you want to make sure that you have properly segmented the market and know who your target is going to be.
Determine how you would segment the market. Describe the demographic, geographic, psychographic, and behavioral attributes that you would assess when conducting segmentation.
Ultimately, based on your segmentation strategy, who would your target market be? Explain why.
Segmentation and targeting are two essential marketing tactics that must always be on the forefront of a marketer’s mind when developing a marketing strategy.
Segmentation is the process of dividing the market into smaller groups of potential customers that share common needs and characteristics,
while targeting involves selecting specific segments to serve based on their attractiveness and fit with the organization's objectives.
As a Marketing Manager at Rossignol, I would segment the market based on various factors,
including demographic, geographic, psychographic,
and behavioral attributes.
Demographic segmentation divides the market into groups based on age, gender, income, education, and other demographic factors.
Geographic segmentation divides the market based on geographic location, such as country, city, or region.
Psychographic segmentation divides the market based on consumers’ lifestyles,
personalities, values, interests, and attitudes,
while behavioral segmentation divides the market based on consumer behaviors, such as usage, loyalty, occasions, and benefits sought.
Considering the ski industry,
I would segment the market based on the following attributes:
Demographic attributes:
Age, Gender, Income, Education, and Occupation.
Geographic attributes:
Region, Climate, and Snowfall.
Psychographic attributes:
Lifestyle, Social Class, Personality, and Attitudes.
Behavioral attributes:
Occasions, Benefits Sought, Usage, and Loyalty.
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Hi-Tech Inc sells drawing pad for P^(2),150.00 each. The company's fixed costs for other equipment used totals P^(75),500.00 and the variable cost of producing and selling each drawing pad is P^(1),495.00 per unit. Which of the following represents her total cost function?
It is Total Cost = P^(1),495.00x + P^(75),500.00
To determine the total cost function, we need to consider both the fixed costs and the variable costs. The fixed costs are constant regardless of the number of units produced, while the variable costs depend on the number of drawing pads produced and sold.
Let's denote the number of drawing pads as "x". The fixed costs are P^(75),500.00, and the variable cost per unit is P^(1),495.00.
The total cost function can be represented as:
Total Cost = Fixed Costs + (Variable Cost per unit * Number of Units)
Plugging in the values:
Total Cost = P^(75),500.00 + (P^(1),495.00 * x)
Therefore, the Total Cost Function For Hi-Tech Inc is:
Total Cost = P^(1),495.00x + P^(75),500.00
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how long does it take for tax refund to show in bank account after approved
Answer:
Assuming no issues, IRS issues tax refunds in less than 21 calendar days after IRS receives the tax return. IRS has an on-line tool, "Where's My Tax Refund", at www.irs.gov that will provide the status of a tax refund using the taxpayer's SSN, filing status, and refund amount.
Explanation:
7. Which situation indicates a mixed economy?
A Economic activity is controlled entirely by the private sector.
B Individual choices are unaffected by government actions.
C Services are provided by both private and public sectors.
D The government carries out all planning and decision making.
Answer:
C Services are provided by both private and public sectors.
Explanation:
In a mixed economy, the private sector has the freedom to participate in economic activities, although the government has a role to play. A mixed economy allows the private sector to own the factors of production hence are free to decide what business they wish to run. Consumers have the liberty to select their suppliers. There is competition in the market place as profits motivate entrepreneurs.
The government is involved in the provision of public goods such as roads, hospitals, and schools. It provides regulatory services to the private sector to ensure fairness in the economy.
What is NOT a result of listening attentively to others?
- you show that you care about them
-you make them feel confident
-you make them feel self-conscious
- you give them a feeling of self-worth
The answer is "you make them feel self-conscious."
Listening attentively to others typically results in positive outcomes, such as showing that you care about them, making them feel confident, and giving them a feeling of self-worth.
However, it does not typically make them feel self-conscious. Active listening and genuine interest in others' perspectives and experiences usually contribute to a supportive and comfortable environment, where individuals feel valued and understood. The intention is to create a safe space for open communication and collaboration, rather than making others feel self-conscious or uncomfortable.
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Customer relationship management software does not include information about
A. Current customers
B. Prospective customers
C. Former customers
D. Current Suppliers
Customer relationship management software does not include information about current customers, hence option A is correct.
CRM software is intended to track and manage customer interactions. This information contains contact information, purchasing history, and customer comments.
Software, on the other hand, does not often offer information about existing personnel. This is because CRM software is designed to handle external interactions, whereas HR software is designed to manage employee information.
Thus, "Customer relationship management software does not include information about" is A. Current Customers.
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The _____ risk has been encountered if a business has no answer to fight back against its competition.
financial
operational
compliance
strategic
When a business is unable to fight back against its competitors effectively, then a strategic risk has been encountered.
What is a strategic risk?This refers to the risk that the strategies of a business will not allow it to be competitive in the market.
When competitors come up with new processes and a business is unable to match them, this is therefore strategic risk.
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