A loan with lower payments in the early years that increase gradually until they are sufficient to amortize the loan fully is a(n) ______ mortgage.

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Answer 1

A loan with lower payments in the early years that increase gradually until they are sufficient to amortize the loan fully is a graduated-payment mortgage.

         A graduated payment mortgage starts with a lower payment and then slowly grows. Mostly the mortgage interest will grow between 7% to 12% annually. This is done till the full payment is not reached. So this is a type of loan that offers lower payments early which will increase over time. The purpose of this type of mortgage is that it allows homeowners to start by paying lower payments.

       As it starts with paying by paying lower payments the people who found it difficult to pay the initial loan installments now can take the loan. So this type of loan is ideal for young and first-time home buyers. The total costs for the life of a GPM loan will be greater than that of a standard loan. Graduated payment mortgages are only available on loans that are taken from Federal Housing Administration (FHA).

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Related Questions

Dextrose+25%+1000+ml+was+ordered,+you+have+only+dextrose+70%+solution+available.+how+much+of+the+dextrose+70%+solution+will+you+use+to+fill+this+order?

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357ml of 70% Dextrose will be used to fill this order.

A simple sugar made from corn or wheat with the name dextrose is chemically identical to glucose, or blood sugar. Dextrose is a common sweetener used in baking products and is present in things like processed foods and corn syrup. There are also medical uses for dextrose. The most common population for whom dextrose is used to treat very low blood sugar (hypoglycemia) is those with diabetes mellitus. To treat insulin shock, dextrose is injected (low blood sugar caused by using insulin and then not eating a meal or eating enough food afterward). Dextrose is frequently marketed as healthier for those who want to stay away from fructose, the type of sugar that accounts for 50% of cane sugar.

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Consider the supply curve for basketballs. Other things held constant, if the price of basketballs goes up from $7. 99 to $14. 99, what can we expect from suppliers of basketballs as a result?.

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There will be an increase in quantity supplied. (The Law of Supply)

A key tenet of economic theory is the rule of supply, which asserts that a rise in price will result in an increase in the quantity provided, all other things being equal. In other words, there is a direct correlation between price and quantity, and quantities react to price changes in the same way.'What is a case of the law of supply?For instance, if Apple produces 100 iPhones, then this is the quantity that is sold. The link between pricing and supply is referred to as the "law of supply." Supply also rises in tandem with price growth. In the event that prices decline, so will supply.

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What type of forecast should be used for strategy, sourcing and location decisions?

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Strategic type of forecast should be used for strategy, sourcing and location decisions.

What exactly does the term "strategy" mean?

A strategy is a plan of action for achieving targeted short-, medium-, and long-term goals. Business strategy typically fall into one of three categories. The business strategy outlines the company's long-term objectives. The business plan, the second kind of strategy, provides the strategic objectives for a company unit. The strategic objectives of the functional strategy are to further the development of the functional area and to meet the business objectives.

Setting goals helps firms decide on a company's future course. A solid strategy is always the result of a careful examination of the company's position in the market. This is where a company's advantages and dangers, as well as its strengths and weaknesses, are incorporated (SWOT analysis).

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If+the+cpi+increased+from+215+to+218+between+the+years+2012+and+2013,+while+the+nominal+interest+rate+increased+from+3.25%+to+3.80%,+what+is+the+real+interest+rate+in+2013?

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Let's say that while the nominal interest rate increased from 3.25% to 3.80% between 2012 and 2013, the CPI increased from 215 to 218.

CPI was 215 in 2012 and 218 in 2013. Thus, the inflation rate from 2012 to 2013 was 1.40 percent.

Real Interest Rates for 2013 = 2.37%

The required details for interest in given paragraph

In the fields of finance and economics, interest is the amount that is paid to a lender or depositor in addition to the principal repayment at a predetermined rate by a borrower or a financial institution that accepts deposits. It differs from any fees the borrower might have to pay the lender or another entity.

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Real estate tower has retail space on the first floor, office space on floors 2-17, and residential units on floors 18-35. real estate tower is?

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Real estate tower has retail space on the first floor, office space on floors 2-17, and residential units on floors 18-35. real estate tower is Mixed use development

     The term "mixed-use" refers to a style of urban development, urban design, urban planning, and/or zoning that combines different uses, such as residential, commercial, cultural, institutional, or entertainment, into one area, where those functions are partially physically and functionally integrated, and that offers pedestrian connections. A single structure, a block or neighborhood, or the entire zoning code of a city or other administrative unit may be subject to mixed-use development. A private developer, a (quasi-) public organization, or a mix of both may accomplish these projects. A mixed-use development could consist of brand-new construction, the repurposing of an old structure or a brownfield, or a combination of these.

 

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_____ are recorded in the period that goods and services are provided to customers and _____ are recorded in the period that costs are incurred while providing those goods and services.

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Revenues are recorded in the period that goods and services are provided to customers and expenses are recorded in the period that costs are incurred while providing those goods and services. Hence, the answers are revenues and expenses respectively.

What are expenses?

An expense is an item requiring an outflow of money, or any form of fortune in general, to another person or group as payment for an item, service, or other category of costs.

Therefore, the correct answers is as given above

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Business complaints about copyright protection and intellectual property rights in some countries illustrate how differences in ___ can impact international operations

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Business complaints about copyright protection and intellectual property rights in some countries illustrate how differences in Legal Environments can impact international operations

Legal Environments

The study of the legal environment in business focuses on how the law affects all facets of business ownership and administration. Students concentrate on legal ethics, court processes, torts, contracts, consumer law, property law, employment law, environmental law, and international law during the whole semester.Why is the legal landscape significant to business?All businesses who are thinking about operating in a global market must be aware of the laws that are relevant to their operations in order to protect themselves from civil and criminal responsibility as well as to uphold their ethical standards.

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when local government relationships are critical to the success of international operations, the best organizational structure for a firm would be .

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when local government relationships are critical to the success of international operations, the best organizational structure for a firm would be geographic regions.

A geographical organizational structure organizes people within an organization by geographic location.

This structure creates specific divisions for each location. Each division acts as if it is its own company, combining different types of personnel for various business functions.

Therefore, when  local government relationships are critical to the success of international operations, they need a geographical organizational structure.

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Your company is migrating its services to the aws cloud. the devops team has heard about infrastructure as code, and wants to investigate this concept. which aws service would they investigate?

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AWS CloudFormation is a service that helps you model and set up your Amazon Web Services resources so that you can spend less time managing those resources and more time focusing on your applications that run in AWS.

What is AWS?

The most complete and widely used cloud platform in the world, Amazon Web Services (AWS), provides over 200 fully functional services from data centers across the world. Millions of clients use AWS to save costs, increase agility, and accelerate innovation, including the largest corporations, most successful governmental organizations, and the fastest-growing startups.

the majority of capacity

Compared to other cloud providers, AWS offers a significantly greater number of services and features within those services, ranging from infrastructure technologies like computing, storage, and databases to cutting-edge technologies like artificial intelligence, machine learning, data lakes, and the Internet of Things. As a result, moving your current applications to the cloud is quicker, simpler, and more cost-effective, and you can construct almost anything you can think of.

largest consumer and partner community

With millions of active customers and tens of thousands of partners worldwide, AWS has the largest and most vibrant community. Every conceivable use case is being performed on AWS by customers from almost every industry and of every size, including startups, large corporations, and government agencies. Tens of thousands of independent software vendors (ISVs) and thousands of systems integrators who specialize in AWS services make up the AWS Partner Network (APN). ISVs adapt their technology to work on AWS.

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The seller conveyed a quitclaim deed to the buyer. upon receipt of the deed, the buyer may be certain that?

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The buyer can feel assured that they own all of the seller's interests in the property.

A Quitclaim Deed: What Is It?

Deeds can take on a variety of complex and sophisticated forms, each with its own ramifications and ideal applications.

Quickly transferring property to a buyer is possible with a quitclaim document. But you should be aware that the quitclaim does not offer any buyer rights, unlike general or special warranty deeds. A quit claim deed is devoid of any ownership guarantees or encumbrances. Only when the seller has certain rights or interests in the property do they expire as a result of a quit claim deed.

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Sheldon company had owner investments of $1,000; net income during the period of $5,000; and owner withdrawals of $250. the ending balance in the owner's capital account is:__________

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The ending balance in the owner's capital account is $5,750.

What is the ending balance?

The owner's capital account is an equity account that appears on the balance sheet. The owner's capital account shows the net ownership interest of investors in the business.

The ending balance in the owner's capital account is the sum of investments, net income less any withdrawals. The owner's capital account is used to determine the amount of wealth of the owner.

Net income and owner's investment increase the value of the owner's capital account. While, withdrawals reduce the value of the owner's capital account.

The ending balance = investment + net income - withdrawals

$1000 + $5000 = $250 = $5,750

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An increase in demand while holding supply constant ______ equilibrium price and ______ equilibrium quantity.

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An increase in demand while holding supply constant will increase equilibrium price and increase equilibrium quantity.

What is the impact of an increase in demand?

When there is an increase in demand, it means that other factors other than the price of the good has led to a change in demand. When there is an increase in demand, it might be as result of an increase in income or an increase in the price of a substitute good.

When there is an increase in demand, the demand curve would shift to the right. Thus, demand would exceed supply. As a result, there would be an increase in equilibrium price and quantity due to the increased demand.

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In an efficient market, _____. all securities have the same price the excess return on all securities is zero all securities are fairly priced the return on all securities is the same

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In an efficient market, the excess return on all securities is zero.

Explanation

According to the efficient market concept, new information is instantly reflected in stock prices, and hence neither technical nor fundamental analysis can yield excess returns.

What is an efficient market?

Market efficiency is the extent to which market prices accurately reflect all pertinent information that is currently accessible. Since there are no securities that are undervalued or overvalued if markets are efficient, there is no way to "beat" the market because prices already reflect all available information.

The phrase was coined in a 1970 study by economist Eugene Fama; nevertheless, Fama admits that the phrase is a little deceptive because no one has a firm grasp on how to accurately describe or assess this concept known as market efficiency. Despite these restrictions, the phrase is used to describe what Fama is most famous for: the efficient market hypothesis (EMH)

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In its simplest​ form, ___________ represents streams of raw facts with limited usefulness until organized.

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In its simplest​ form, Data represents streams of raw facts with limited usefulness until organized.

What is the data in the examination description?

Research data is any knowledge that has been collected, observed, generated, or finished to validate original research findings. Although usually digital, analysis data also includes non-digital designs such as laboratory notebooks and diaries.

Why is data so essential?

Data allows organizations to more actually determine the cause of problems. Data allows communities to visualize relationships between what is occurring in different locations, divisions, and systems.

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Educational level, living conditions, and economic status are part of the ______ assessment.

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Educational level, living conditions, and economic status are part of the  environmental assessment .

What do you mean by environmental assessment?

Environmental Impact Assessment (EIA) is a tool used to assess the significant effects of a project or development proposal on the environment. EIAs make sure that project decision makers think about the likely effects on the environment at the earliest possible time and aim to avoid, reduce or offset those effects

Why do we need Environmental Assessment?

i) To disclose significant environmental effects of proposed projects to decision-makers and the public. ii) To identify ways to avoid or reduce environmental damage. iii) To prevent adverse environmental impacts by requiring implementation of feasible alternatives or mitigation measures.

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How much would $1, growing at 3.5% per year, be worth after 75 years? a. $15.28 b. $13.20.c. $13.20d. $13.86

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The correct option is (B,C) both, i.e.. $13.20

We can calculate the present value (PV) = 1$ , rate of interest (I) = 35% or 0.035 and time period(n) = 75years.

Now we calculate, the future value of the investment by the formula,

Future value = PV(1+r)ⁿ

= 1(1+0.035)⁷⁵

= 13.20$.

So, the future value of the 1$ investment after 75 years at the rate of 35% is 13.20$.

The value of an asset at a future date is its future value. It is the present value multiplied by the accumulation function, and it represents the nominal amount of money that a particular amount of money will be worth at a given point in the future under the assumption of a specific interest rate.

An investment is an asset which can generate income in a particular time period is known as investment. When a person invests in a good, they do not intend to utilise it as a source of immediate consumption, but rather as a tool for future wealth creation.

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As sales grow, some of the added current asset requirement is provided by growth in inventory, which often results in what type of funds?

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As sales grow, some of the added current asset requirement is provided by growth in inventory, which often results in spontaneous financing.

Spontaneous financing refers to the process of automatic source of short term funds which arise in the normal course of very short term course of business. Trade credit and  different out standing expenses are examples of spontaneous financing.

It also refers to financing which arises out of regular and  day-to-day operations. Spontaneous sources of financing include all those sources which are available upon demand or which arise naturally as a part of doing business.

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A pricing strategy in which the price is justified in the customers' eyes by the product received because of attached features and services is referred to as ________.

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Pricing strategy:- value pricing/everyday low pricing [EDLP].

What Is a Pricing Strategy?

Businesses use a pricing strategy to determine how much to charge for their products and services. When setting prices for products, the relationship between margin, price, and selling level is specifically taken into account. Therefore, creating a right pricing strategy that promotes business success is both crucial and challenging.

The price is a factor that has a major impact on a company's revenue. It serves as the primary determinant in the company's financial modeling and has a long-term impact on its revenue, earnings, and investments. Price reveals a company's philosophy, how it deals with rivals, and how much importance it places on its customers.

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An e-business revenue model that involves users paying a fee for using protected intellectual property is called __________.

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An e-business revenue model that involves users paying a fee for using protected intellectual property is called licensing.

What is licensing in e business?

This is the term that is used to refer to the permission that the people that carry out businesses using the online web would have in order to use properties of others to do their job.

It is required that all businesses have the required and the needed licenses to operate. Hence we can say that an e-business revenue model that involves users paying a fee for using protected intellectual property is called licensing.

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The return on assets for your small business was 11.2% last year and 12.6% this year. your return on assets:____

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The return on assets for your small business was 11.2% last year and 12.6% this year. your return on assets: improved.

What is return on assets?

Return on assets can be defined as a percentage or  ratio that help to show how well a company is doing as to whether they are making profit or making loss from their assets.

Return on assets calculated using this formula

Return on assets =Net income/Total assets

Since the return on assets for the business was  previously 11.2% in which this year it was 12.6% this means that the business is profitable and has improved due to the increase in percentage which is 1.4% (12.6%-11.2%).

Therefore the return on assets for your small business was 11.2% last year and 12.6% this year. your return on assets: improved.

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When organisms leave the group they were born into and join another group, this can alter allele frequencies in the new group. What mechanism is this?.

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This mechanism of organism to leave the group in which they are born an d join new group is called gene flow.

What is gene flow?

In population genetics, gene flow refers to the transfer of genetic material from one group to another. If the rate of gene flow is strong enough for two populations to have equal allele frequencies, then they can be considered to be one effective population.

Therefore, When organisms leave the group they were born into and join another group, this can alter allele frequencies in the new group. this mechanism is called gene flow.

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What part of the policy-cycle determines who will deal with a particular issue and when?

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In the policy-setting cycle's the agenda phase, it is decided when and by whom a specific topic will be addressed.

The policy cycle is a hypothetical procedure that outlines how policy should be created, carried out, and evaluated. Many organizations strive to finish policies using the policy cycle as an ideal model, although it functions less as a practical rigorously defined procedure and more as an educational guide for those new to policy. Science can be included into each of the roughly six stages that make up the policy cycle. The policy cycle has been characterized as a theoretical idea that cannot entirely be applied in the real world. Periodically, some cycle phases are never delivered.

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May a broker subtract desk expenses from an independent contractor's commission check?

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Sales representatives and brokers should work under a signed labor agreement that may or may not permit broker deductions.

How Do Brokers Work?

A broker is a person or business that stands between a potential investor and a securities exchange. Individual traders and investors require the services of exchange members since securities exchanges only accept orders from people or companies who are members of that exchange.

Brokers offer that service and are paid in a variety of methods, including commissions, fees, or payments from the exchange itself. To assist investors in deciding which broker is best for them, Investopedia routinely examines all of the major brokers and keeps a list of the top online brokers and trading platforms.

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The strength of the economy of singapore is based largely on its lack of corruption and generous government support for new businesses. how do you suppose its neighbors view the small island nation?

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Singapore really has only two neighbors:

Malaysia and Indonesia.

It is politically correct to state that Malaysia and Singapore have a love-hate relationship. Malaysia's political leadership look down on Singapore.

How can Singapore be described?

Singapore, as a multicultural, multiethnic, multireligious secular meritocracy, is an insult to their Bumiputera policy's falsehood of Malay-based apartheid.

Malays and other races such as Ibans, Dayaks, Eurasians, and Kadazan are considered native races of Malaysia.

Despite having lived there for centuries, a Chinese or Indian is considered a "pendatang," or an immigrant, and is discriminated against.

It is to be noted that Singapore was compelled to leave Malaysia due to disputes, socioeconomic factors, and the inability of Lee Kuan Yew and Tunku Abdul Rahman to reach an agreement.

That kind of issue persists after half a century. Malay nationalist hardliners anticipated Singapore to fail without a hinterland and return to Malaysia, where they would accept their demands. That did not work out as planned.

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Entrepreneurs are considered the driving force in an economy because they are? the greatest number of people in an economy. provide most of the labor. own a great deal of land. start new businesses.

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Entrepreneurs are viewed as the driving force in the economy since they start new businesses.

An individual who starts a new firm, taking on the majority of the risks and reaping the majority of the gains, is known as an entrepreneur. Entrepreneurship is the practice of starting new business. The entrepreneur is frequently viewed as an innovator, a source of fresh concepts for products, services, businesses, and operational methods. Entrepreneurs are essential to any economy because they have the knowledge and drive to foresee requirements and sell viable new ideas. Entrepreneurship that succeeds in assuming the risks involved in founding a firm is rewarded with money, notoriety, and chances for future growth.

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Select the things are considered psychological influences on the purchase decision process?

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The things are considered psychological influences on the purchase decision process:

learningvaluebeliefsattitudes

What is referred to as the purchase decision?

This is the term that is used to refer to all of the ways that the person that would have to use a product would end up getting the product that they want to fulfill a particular need. It is what can be used to describe the drivers of their purchases.

In the stage of making a purchase decision. the person that is the consumer would have formed the intention that they want to buy a particular brand of product. This is the fourth stage that is is the consumer decision process.

Hence we can say that the things are considered psychological influences on the purchase decision process:

learningvaluebeliefsattitudes

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The financial model that measures the time it will take to recover the project investment is the __________ model.

Answers

It is the Payback Model that measures the time taken to recover project investment.

What is the Payback Period?

The payback period is a word used to describe the length of time needed to recoup an investment's cost. It is, in essence, the period of time it takes for an investment to break even. The payback period is crucial since individuals and businesses primarily invest money in order to be reimbursed. Fundamentally, investment becomes more appealing the faster its payback period is. By dividing the initial investment by the typical cash flows, it is possible to calculate the payback period, which is helpful for everyone.

Investors, financial experts, and businesses frequently utilize the payback period as a way to estimate investment returns. It aids in calculating how long it takes for an investment's initial costs to be recouped. Before making any judgments, this statistic is helpful, especially when a quick assessment of a potential investment initiative is required.

payback period formula:

Cost of Investment x Average Annual Cash Flow = Payback Period

payback period = Cost of Investment ÷ Average Annual CashFlow

Thus, the financial model that measures the time it will take to recover the project investment is the payback Model.

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What is the present value of the following set of cash flows discounted at 10 per year?

Answers

The present value of the following set of cash flows discounted at 10 per year $104.18

What are the 3 kinds of cash flows?

There are three cash flow types that organizations should track and analyze to resolve the liquidity and solvency of the business: cash flow from operating movements, cash flow from investing activities, and cash flow from financing activities. All three are included on a company's cash flow statement.

What are cash flows illustrations?

Cash and cash matches include currency, petty cash, bank accounts, and other highly liquid, short-term assets. Examples of cash matches include saleable paper, Treasury bills, and short-term state bonds with adulthood of three months or less.

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True or false: in a market system, consumers exercise consumer sovereignty, which is crucial in determining the types and quantities of goods purchased.

Answers

In a market system, consumers exercise consumer sovereignty, which is crucial in determining the types and quantities of goods purchased. TRUE

What is a consumer sovereignty?

Consumer sovereignty is the economic concept that the consumer has some controlling power over goods that are produced, and the idea that the consumer is the best judge of their own welfare.

Therefore, the correct answer is as given above

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If there is only consumption spending, the equilibrium level of real gdp is found at the:_________

Answers

If there is only consumption spending, the equilibrium level of real GDP is found at the intersection of the consumption schedule and the equilibrium line.

What's the schedule for consumption?

The consumption function, also known as a consumption schedule, is the link between CONSUMPTION EXPENDITURE and the level of NATIONAL INCOME or DISPOSABLE INCOME.

A stable or balanced economic system is referred to as an equilibrium in the study of economics. Economists use the phrase equilibrium, which is a situation in which supply and demand are equal, to describe the economy.

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