The type of annuity that stops all payments upon the death of the annuitant is called a "Life Only" or "Single Life" annuity. With this type of annuity, the payments are based solely on the life expectancy of the annuitant.
An annuity is a financial product or investment that provides a series of regular payments to an individual over a specified period of time. It is typically used as a retirement income vehicle or a long-term investment tool. Annuities are often sold by insurance companies, although they can also be offered by other financial institutions.
The key feature of an annuity is its payment structure. The individual, known as the annuitant, makes either a lump-sum payment or a series of premium payments into the annuity contract. In return, the annuity promises to provide a steady stream of income payments to the annuitant, usually on a monthly or annual basis, for a predetermined duration or for the rest of their life.
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A Life Annuity is the type of annuity that stops all payments upon the death of the annuitant. In this setup, payments are made for their lifetime, and there are different options according to the contract chosen.
Explanation:The type of annuity that stops all payments upon the death of the annuitant is called a Life Annuity. In a Life Annuity, periodic payments are made to the annuitant for their lifetime. When the annuitant passes away, the payments cease. This setup can have different options according to the contract chosen by the annuitant. One example is the 'Life with Period Certain' option, where the annuity guarantees payment for a specific number of years, even if the annuitant passes away before the end of the period. If the annuitant lives beyond the specified period, they continue to receive payments until their death. However, in a straight life annuity, the payments stop immediately after the death of the annuitant.
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Can someone just help me writing the EXECUTIVE SUMMARY, I will give you 50 points. I swear. Please helppppppppppppppppppppp.
armstrong corporation manufactures bicycle parts. the company currently has a $21,000 inventory of parts that have become obsolete due to changes in design specifications. the parts could be sold for $9,000, or modified for $12,000 and sold for $22,300. required: 1. identify the relevance of the data given in the exercise to the decision about what to do with the obsolete parts.
If armstrong corporation manufactures bicycle parts. The benefit under each alternative for disposing of the obsolete parts is $9000, $10,300.
What is net benefit?Net benefit is the amount that is arrived at after deducting all cost from the sum up benefit.
a. The benefit assuming parts are sold without modification $9,000 which is the current sales value for unmodified parts.
b. Net benefit assuming parts are sold after modification
Net benefit if parts are sold after modification =$22,300-$12,000
Net benefit if parts are sold after modification =$10,300
Therefore the benefit under each alternative for disposing of the obsolete parts is $9,000, $10,300.
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Which group is legally responsible for implementing
protection and controls that ensure your workplace
meets safety standards?
A. Employers
B. Unions
C. Employees
D. Government
Answer:
A
Explanation:
Answer:
It SHOULD be employers but i may be wrong... if i'm not CAN I PLES HAVE BRAINLYIEST
Explanation:
Also, if i'm right there is no need to thank me unless you want too
“Creditors do not actually have to worry about their dues in case the business fails.” In which
form of business is this possible? Which special feature is highlighted in this statement ?
Answer:
Sole proprietorship
The sole proprietor(not creditors but creditor) bears all losses
Explanation:
Sole proprietorship is a form of business in which there is no legal difference between the owner and the business entity as both are one and the same. The term 'sole' connotes 'only' while 'proprietorship' connotes 'owner(ship)'; it is also referred to as individual entrepreneurship. This is because only the owner of the business (the proprietor) bears all the risks (losses, debts, legal actions etc) and benefits (profits, dividends etc) of the business venture. He owns all the assets of the business venture, debts as well as the legal actions (whether positive or negative); when business is faring well, he enjoys a handsome profit and when business is struggling, he also bears the brunt of it.
The special feature highlighted in the statement above is the reality that the "creditors" refers simply and only to the proprietor (the owner of the business); in which case, if the business fails, the proprietor does not have to bother about the backlash from creditors' pressures, legal actions etc. He is the sole bearer of the losses of the business venture.
bernard made a gift of $500,000 to his brother in 2014. Due to Bernard’s prior taxable gifts he paid $200,000 of gift tax. When Bernard died in 2019, the applicable gift tax credit had increased. At Bernard’s death, what amount related to the $500,000 gift to his brother is included in his gross estate?
Answer:
$0 is the amount related to the $500,000 gift to his brother that would be included in his gross estate
Explanation:
In this question, we are expected to determine the amount related to the $500,000 gift to his brother is included in Bernard’s gross estate.
The amount related to the $500,000 gift that is included in the gross estate is $0.
We shall be giving the reason for our answer based on time-scale difference.
The difference in the number of years between when the amount was gifted and when Bernard died is 5 years(2015-2019)
It should however be noted that it is only gift tax on gifts within 3 years of death is included in gross estate according to law.
Now, because this gift we are talking about was made more than 3 years before death, $0 is what will be included in Bernard’s gross estate as regards this particular gift.
Task 2: Savings, Investments, and Risk Management for a Middle-Aged Professional
Talk to a 40-year-old business professional with a family that includes a spouse and children.
This person can be a family member, friend, or mentor. List and describe the savings,
investments and risk management strategies for this phase of life. Describe how financial
planning has changed from the earlier phase of life.
Some risk management responses that a middle age professional can give include avoiding overspending, making reasonable budgets, having a substitute plan in place for unforeseen events.
What are the investments and strategies?A middle age professional can invest in real estate business. They could also make it a point to spend carefully and avoid lending money to people who will not pay back.
Of course, they should ahve a stable job that gurantees regular income. in addition to this, there should be a mitigation plan for unforeseen events. These strategies can help them financially.
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13. A rate quote for an individual Line haul. Copy
Load quote
Spot quote
Freight quote
Carrier quote
Answer:
Spot quote
Explanation:
Intermodal transport can be defined as the transportation of goods in one and the same truck or loading medium without handling the goods themselves in a different transport modes.
A shipping container refers to a metal container made from steel and having the ability or strength to withstand all external factors during shipment or storage of materials. It is an essential part of transportation of goods or materials from one location to another, thereby boosting trade between countries.
The various types of shipping containers are, dry storage container, open-side storage container, ISO Reefer container, flat rack container, tunnel container, open top container, double doors container, thermal containers, intermodal freight container etc.
Basically, the two standard sizes of shipping containers are 20ft (6.06m) and 40ft (12.2m): which has a width of 8ft (2.43m) and height of 8.5ft (2.59m).
A spot quote for a freight refers to a rate quote for each individual Line haul. Thus, this rate is usually calculated using current market parameters without a contract.
This ultimately implies that, the spot rate is generally outside the contracted rates and is typically required to be sent immediately.
When you finish your budget, you should have:
A: money left over
B: more bills to pay
c: a zero balance
D: All of the choices
Answer:
Zero balance
Explanation:
Because you finished all your money.
what does it mean when the feds lower interest rates
Interest rates are lowered by the Fed in order to boost economic development. Reduced finance costs might entice people to borrow and invest. When interest rates are excessively low, however, they might stimulate excessive growth and perhaps inflation. On the other hand, if growth becomes excessive, the Fed will boost interest rates.
Braniff Ground Services stock has an expected return of 9 percent and a variance of 0.25 percent. What is the coefficient of variation for Braniff? Round your final answer to four decimal places. 0.0278 0.5556 1.8001 36.0002
To calculate the coefficient of variation for Braniff Ground Services stock, follow these steps:
Step 1: Identify the expected return and variance.
Expected return: 9% (0.09)
Variance: 0.25% (0.0025)
Step 2: Calculate the standard deviation by taking the square root of the variance.
Standard deviation = √(0.0025) ≈ 0.05
Step 3: Calculate the coefficient of variation by dividing the standard deviation by the expected return.
Coefficient of variation = Standard deviation / Expected return
Coefficient of variation = 0.05 / 0.09 ≈ 0.5556
So, the coefficient of variation for Braniff Ground Services stock is 0.5556 (rounded to four decimal places).
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Fill in the blank. Effective segmentation identifies where your customers are in the ___________, and assists your customers in taking the appropriate next step in their___________.
Effective segmentation identifies where your customers are in the buyer’s journey, and assists your customers in taking the appropriate next step in their individual customer journey.
Segmentation recognizes that different human beings and groups have distinct wishes. hit entrepreneurs use segmentation to figure out which corporations (or segments) in the market are a satisfactory match for the products they offer. these companies represent their target market.
An advertising and marketing segmentation method allows deciding which customers you may build relationships with, how to group them, and what advertising and marketing movements to take to great reach your goal market. growing a customized experience catered to customers lead to higher purchaser retention quotes and greater centered advertising and marketing campaigns.
goal marketplace segmentation primarily based on demographics may be one of the best methods to target particular customers. The cause for that is that you can find the demographics of your target market effortlessly. segmentation strategy is a scoping decision that facilitates cognizance of early efforts of an enterprise at the client opportunities maximum in all likelihood to generate success.
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How much should i budget monthly for trajsportation
Answer:
You should say about $500 for transportation
Explanation:
What is profit?
A. Money lost after all other business expenses, including salaries,
rent, and taxes have been paid.
B. Money remaining when all expenses except salaries, rent, and
taxes have been paid.
C. Money invested after all business expenses, including salaries,
rent and taxes have been paid.
D. Money remaining when all other business expenses, including
salaries, rent, and taxes, have been paid.
Answer:
D.
Explanation:
Profit is all revenue that is left over after accounting for any and all business expenses incurred over a specific period of time.
For example if you're looking at profit over a quarter, it is the Revenue generated over that quarter - Expenses generated over that quarter, including salary expense, taxes, etc.
airlines measure revenues and cost by fuel used. number of passengers per flight. miles logged. available seat miles.\
Airlines measure revenues and costs using a variety of metrics, including fuel used, number of passengers per flight, miles logged, and available seat miles. These metrics help airlines to understand their financial performance and make strategic decisions to improve profitability.
Fuel used is a key cost driver for airlines, and measuring fuel consumption helps them to manage costs and improve efficiency. Airlines may track fuel consumption by flight or over a longer period of time, and use this information to optimize routes and flight schedules to minimize fuel usage.
The number of passengers per flight and available seat miles are important revenue drivers for airlines. Airlines may track these metrics to monitor demand for their services and make pricing decisions to maximize revenue.
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People who live in urban areas are part of the target market for take-out via bicycle. This suggests that delivery services would most likely segment the market based on which consumer segmentation basis?.
Geographic The intended market for take-out delivered by bicycle includes residents of urban regions. This implies that delivery services would most likely divide the market into segments based on consumer preferences.
A geographic target market is what?
A marketing tactic known as geographic segmentation targets goods and services at local residents and business owners. It operates under the premise that locals have comparable needs, desires, and cultural factors.
What are some geographical examples in the target market?
A clothing company that offers online consumers various products based on the climate or season in the area they dwell in is a wonderful example of geographic segmentation. In the winter, a customer from New York will need very different attire than one from Los Angeles.
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Employee values are defined as those things that a person sees as __________________ to his or her welfare.
A. conducive
B. coherent
C. classy
D. correlation
A. conducive.Employee values are an integral part of an individual's mindset and play a crucial role in shaping their attitudes, behaviors, and overall job satisfaction.
These values are defined as the principles, beliefs, and ideals that employees hold dear and consider important for their personal well-being within the workplace.
When we say that employee values are conducive to their welfare, we mean that these values contribute positively to their overall job satisfaction, engagement, and overall sense of fulfillment in their work environment. Employee values act as guiding principles that align with their personal needs, desires, and aspirations, ensuring that their welfare is taken into consideration.
Conducive values canand priorities. For example, some employees may highly vary from person to person, as each employee has unique preferences value work-life balance and prioritize flexible working hours, while others may prioritize career growth and development opportunities. Some common examples of conducive employee values include autonomy, fairness, respect, teamwork, open communication, work-life balance, ethical practices, and opportunities for personal and professional growth.
When employees feel that their values are aligned with the organizational culture and practices, they are more likely to experience higher job satisfaction, increased motivation, and a greater sense of commitment towards their work. On the other hand, if there is a misalignment between employee values and the organizational environment, it can lead to dissatisfaction, disengagement, and higher turnover rates.
Understanding and acknowledging employee values is essential for organizations to create a positive work environment that promotes employee well-being and fosters a sense of belonging. It requires organizations to be attentive to the needs and preferences of their employees, and to create policies, practices, and programs that support and align with their values.
In conclusion, employee values are the beliefs and principles that individuals consider important for their personal welfare in the workplace. These values play a significant role in shaping employees' attitudes, behaviors, and overall job satisfaction. When organizations recognize and respect these values, they can create a work environment that supports employees' well-being and fosters a positive and productive workforce.
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Which of the following is an example of nondepository financial institutions?
a.credit unions
b.consulting firms
c.commercial finance companies
d.saving banks
e.all of the above
Commercial finance companies is an example of non-depository financial institutions.
Now that you know why financial institutions exist, you can use them to manage the flow of money between savers and borrowers. They lend to private and business borrowers using money that investors deposit in checking, savings, and money market accounts.
The most typical categories of depository institutions (banks that accept deposits), including commercial banks, savings banks, and credit unions. We'll also talk about a number of non-depository institutions, such as finance companies, insurance companies, brokerage houses, and pension funds, which offer financial services but don't accept deposits.
Hence the correct option is C.
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Which one of the following efforts is used by progressive marketers to improve the quality of the prospecting process?
A) increase the use of cold calling to identify prospects B) avoid the temptation to develop quality standards that might interrupt the steady supply of prospects C) shorten the sales cycle by quickly determining which of the new prospects are qualified prospects D) increase the use of telemarketing to identify prospects E) reduce the number of prospects who "board the Ferris wheel
The effort that used by progressive marketers to improve the quality of the prospecting process is option (C) shorten the sales cycle by quickly determining which of the new prospects are qualified prospects
By shortening the sales cycle and quickly determining which of the new prospects are qualified, marketers can focus their efforts and resources on high-potential leads. This can lead to a more efficient use of time and resources, higher conversion rates, and ultimately, more revenue.
The other options listed do not necessarily improve the quality of the prospecting process. Cold calling and telemarketing may be effective in identifying prospects, but they do not necessarily improve the quality of those prospects. Avoiding quality standards and reducing the number of prospects may result in a lower quantity of leads, but not necessarily higher quality leads.
Therefore, the correct option is (C) shorten the sales cycle by quickly determining which of the new prospects are qualified prospects
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The ratio of the price of two goods on a graphed budget line is measured by its:.
There are lines in budget. The ratio of the price of two goods on a graphed budget line is measured by the slope of the budget.
What is a budget lineThis is regarded as a two-dimensional graph that shows the various choices one have between two goods given the money one have to spend. It is also known as budget constraint.
The ratio of the price of good X that is found on the horizontal axis to the price of good Y on the vertical axis is known as the slope of the budget.
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Which of the following is an example of a short term goal for a business thatprovides cable TV services?Create a new division to provide internet and wireless communication servicesDouble revenue by the end of the next fiscal yearBuild goodwill in the community by developing a community outreach departmentRoll out the new marketing plan by the end of the current quarter
The correct option D, Rolling out a new marketing plan by the end of the current quarter is an example of a short-term goal for a business that provides cable TV services. Short-term goals are those that can be accomplished in the near future, usually within a few months to a year.
Rolling out a new marketing plan is a specific and measurable goal that can be achieved within a defined time frame. To accomplish something means to successfully complete or achieve a task, goal, or objective.
Accomplishments can be personal, professional, or organizational and can range from small tasks to major achievements. Accomplishing something requires effort, perseverance, and often some degree of skill or expertise. It often involves setting specific and measurable goals, developing a plan of action, and taking steps to implement that plan.
Accomplishments can bring a sense of pride, satisfaction, and fulfillment, and can lead to personal growth and advancement, improved relationships, and greater success in one's career or business. Celebrating accomplishments can also help to build morale, inspire others, and foster a culture of achievement and excellence.
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Complete Question:-
Which of the following is an example of a short term goal for a business thatprovides cable TV services?
a. Create a new division to provide internet and wireless communication services
b. Double revenue by the end of the next fiscal year
c. Build goodwill in the community by developing a community outreach department
d. Roll out the new marketing plan by the end of the current quarter
Define a Small Scale Enterprise as per ‘MSMED Act, 2006’.
Explanation:
the Government of India has in acted, small and medium enterprises development (MSMED) Act, 2006 in terms of which the definition of micro, small and medium enterprises is an enterprise where the investment in plant and machinery is more than rate 25 lakh but does not exceed rate.
when consumers are unhappy with a product, they may boycott the product and/or store and express dissatisfaction to friends. this is called a
When consumers are unhappy with a product, they boycott the product and/or store and express dissatisfaction to friends. This is called private response. The correct answer is A.
When consumers are unhappy with a product and express their dissatisfaction to friends or family, or choose to boycott the product or store, it is considered a private response.
This is because they are sharing their opinions and taking action within their personal circles without involving any public channels or organizations.
Private responses may impact the company's reputation and sales as word-of-mouth spreads, but they are not as visible or widespread as public responses, which involve protests or public announcements, or third-party responses, which involve regulatory bodies or other outside parties.
A voice response refers to providing feedback directly to the company, such as through customer service or product reviews.
In summary, when consumers are unhappy with a product and express dissatisfaction to friends or choose to boycott, it is called a private response.
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Complete question:
When consumers are unhappy with a product, they boycott the product and/or store and express dissatisfaction to friends. This is called ________ response.
A) private
B) third-party
C) voice
D) public
You buy a government bond for $134 and sell it for $153 one year later. What was your rate of return (interest rate) measured in percentage terms?
Based on the fact that you bought the government bond and sold it a year later, your rate of return in percentage terms is 14.2%.
What is your rate of return?Your rate of return on the government bond you purchased in one year based on the buying price of $134 and the selling price of $153 can be found as:
= (Selling price - Buying price) / Buying price x 100%
Solving for the rate of return gives:
= (153 - 134) / 134 x 100%
= 19/ 134 x 100%
= 0.141791 x 100%
= 14.2%
In conclusion, your rate of return is 14.2%.
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A prospective borrower has an estimated monthly housing expense of $1,486, and the total monthly obligations are $2,050. If the borrower's annual gross income is $122,880, what is the total obligations ratio
The total obligations ratio for a prospective borrower with an estimated monthly housing expense of $1,486, a total monthly obligation of $2,050, and an annual gross income of $122,880 is 19.92% (rounded to two decimal places).
The total obligations ratio is used by lenders to assess the creditworthiness of a borrower. It is calculated by dividing the borrower's total monthly obligations by their gross monthly income, expressed as a percentage. In this case, the borrower has a monthly housing expense of $1,486 and total monthly obligations of $2,050.
Therefore, their monthly non-housing obligation is $2,050 - $1,486 = $564. To find the borrower's total obligations ratio, we need to divide their total monthly obligations by their gross monthly income and then multiply by 100%:Total obligations ratio = (Total monthly obligations / Gross monthly income) x 100% First, we need to find the borrower's gross monthly income by dividing their annual gross income by 12:Gross monthly income = Annual gross income / 12Gross monthly income = $122,880 / 12Gross monthly income = $10,240 Now we can calculate the borrower's total obligations ratio: Total obligations ratio = ($2,050 / $10,240) x 100%Total obligations ratio = 0.2002 x 100%Total obligations ratio = 19.92% Therefore, the borrower's total obligations ratio is 19.92% (rounded to two decimal places).
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TUDO O QUE EU FAÇO É
LIVRE. COPIE, COMPARTILHE,
RE-USE, FAÇA O QUE
VOCÊ QUISER
ENTÃO, POR FAVOR, NÃO
PEÇA MINHA PERMISSÃO.
VOCÊ JÁ
A POSSUI!
POSSO
CITAR
VOCÊ?
O trecho "[...] Copie, compartilhe, re-use [...]" estabelece relação de causa com
A) "posso citar você?".
B) "tudo o que eu faço é livre".
C) "faça o que quiser".
D) "então, por favor, não peça minha permissão". qual é a resposta setra
Answer:
B) "tudo o que eu faço é livre".
Explanation:
Olá. Antes de explicar essa resposta, é necessário que eu te explique que esse não é o site brasileiro e sim o site estadunidense. Isso significa que se você quiser postar perguntas em português, você só pode posta-las no campo "World Languagens", caso contrario, a sua pergunta pode ser apagada sem resposta.
Em relação a resposta acima, podemos percebr que o trecho "[...] Copie, compartilhe, re-use [...]" se estabeçece como uma causa para o trecho "tudo o que eu faço é livre". Isso porque o autor afirma que todas as coisas que ele produz são livres e disponiveis para qualquer pessoa que queria utiliza-las e por isso, qualquer um pode compiar, usar e compartilhar todas as obras dele.
Drag the tiles to the correct boxes to complete the pairs.
Match the method of exchanging information with its description.
IM
blog
message board
wiki
facilitates discussion and polls
arrowRight
enables only the author to exclusively post and edit articles
arrowRight
enables any number of users to publish and edit content
arrowRight
provides a platform for real-time communication
arrowRight
IM (Instant Messaging): provides a platform for real-time communication, allowing users to exchange messages and have conversations in real-time.
Blog: provides enables only the author to exclusively communication post and edit articles, typically on a specific topic or theme. Blog posts are usually displayed in reverse chronological order.
Message Board: facilitates discussion and polls among a group of users who share a common interest. Provides users can post messages, communication ask questions, and respond to each other's posts.
Wiki: enables any number of users to publish and edit content collaboratively, often provides on a specific topic or theme. Wikis are designed to promote collaboration and knowledge-sharing among a group of users.
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300, Scott Lawton, discusses Barcelona's philosophy on allowing restaurant managers to make their own decisions. They hire and train managers that they believe have the creativity and brain power to be successful. Scott is performing a(n) role. What is another activity Scott may perform within this role? Keeping apprised of food and safety regulations by checking the FDA web site on a regular basis Presenting plaques to employees who have reached a yearly service milestone Resolving a dispute between the Executive Chef and one of her line cooks Doing a radio interview about a new restaurant location
As part of his job as a restaurant manager, Scott might also carry out tasks like mediating arguments among chefs and promoting new restaurant locations.
What is Scott Lawton famous for?Since 1999, Lawton has led the Deutsches Filmorchester Babelsberg in Potsdam as its principal conductor. He performs silent film screenings, records in the studio for movies and television shows, and conducts orchestra concerts with the Filmorchester.
Bartaco, a restaurant with a coastal theme that serves fresh, ritzy street food in a casual setting, was founded and is led by Scott Lawton. At the Ivory & Castle Center in Southwark, Lawton defeated Dave Hinds to make his professional debut in September 2001. Before being given a chance to, he fought an additional nine times.
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It is unethical to ask employees to clock out and have them work a little longer.truefalse
True. It is unethical to ask employees to clock out and have them work a little longer.
This practice is commonly known as "off-the-clock" work and is considered a violation of employment laws and ethics. Employers are required to pay employees for all hours worked, including any time spent performing work-related tasks, such as attending meetings, answering emails, or completing paperwork. Asking employees to work off-the-clock is a form of wage theft and deprives employees of their rightful decision-making compensation. In addition to being unethical, it is also illegal and could result in legal action, including fines, unethical penalties, and lawsuits. Employers have a responsibility to ensure that all employees are compensated fairly for the work they perform and should never engage in practices that violate employment laws or ethical standards.
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You are a consultant helping to turn around a factory that hasn't adapted to modern manufacturing standards. They receive several truckloads of raw materials each day, which are recorded by hand in a logbook kept at the loading dock. Each of the salesmen keeps a running tally of orders and files them in the sales office. The deliveries are made once a truck is filled. What aspects of this factory can be significantly improved by introducing an EPR (enterprise resource planning) system?
environmental management
sales and revenue
human resource management
equipment maintenance
Answer:
use of modern technology
Explanation:
to make work and tallying
easy
Answer:Sales and revenue
Explanation:
This is standard business marketing
Unrelated business income (UBI): a.includes unrelated income from an activity where all the work is performed by volunteers. b.is not created if the activity results in a loss. c.is 100% taxable on the exempt organization's tax return. d.excludes income from the research of a college or hospital.
Answer:
dmdmdmdmsmqmmfdmmam
Explanation:
memmmcl