Some debts remain even after you are discharged from bankruptcy. These debts include: spousal support (alimony) and child support payments. student loans if you have been a part time or full time student within the last 7 years (please note, under certain conditions the court can reduce this to 5 years
While bankruptcy erases many debts, some such as student loans, certain tax debts, child support, and debts owed from unlawful behavior are not dischargeable and remain after filing.
Explanation:Filing for bankruptcy is often considered a way to get a fresh start by erasing many of your debts. However, not all debts are dischargeable in bankruptcy. Debts that would typically remain after filing for bankruptcy include student loans, certain tax debts, child support and alimony obligations, debts owed due to unlawful behavior (like criminal fines or restitution), and any debts not listed in your bankruptcy papers. These are not erased even though other debts may be relieved. This can be a significant consideration for individuals who are contemplating bankruptcy options.
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Suppose the economy is in long-run equilibrium at the level of potential output. What will be the long-run effect of an expansionary monetary policy?
Answer:
Higher prices.
Explanation:
Expansionary monetary policy seeks to grow the economy by increasing the money supply, lowering interest rates, and stimulating demand. As we know from the supply/demand curves, higher demand leads to higher price levels.
Long-run equilibrium is defined as the position under which the marginal costs of production is equal to the average cost of production.
What is Expansionary monetary policy?
Expansionary monetary policy is defined as the policy that is helpful to grow the economy through increasing the money supply, lowering interest rates, and stimulating demand.
In case of long-run equilibrium, the expansionary monetary policy will be higher in price. A long-run is directly opposite to the short-run equilibrium.
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What are 6 major forms of direct marketing?
Internet marketing
direct mail
catalogs
telemarketing
face to face
direct- response marketing
In cities with rent control, people have an incentive to list their apartments on sites such as airbnb at rents ________ the controlled rates, because rent control causes a ________ of apartments
above and shortage- The rent controls impact supply and demand
Final answer:
In cities with rent control, people have an incentive to list their apartments on sites such as Airbnb at rents above the controlled rates, because rent control causes a shortage of apartments.
Explanation:
In rent-controlled cities, people list their apartments on platforms like Airbnb above controlled rates due to a shortage caused by rent control, which fixes rental prices below market equilibrium leading to reduced supply and market distortions.
Rent controls keep the price of apartment rental below its equilibrium level, creating a situation where the quantity demanded is greater than the quantity supplied. With this imbalance, and because the law prevents prices from adjusting to the market equilibrium, alternative forms of rationing occur, often leading to reduced availability in the traditional rental market.
Rent controls vary in flexibility depending on the city. Some cities permit rent increases for improvements or to keep pace with the economy, and often exempt new construction or vacated apartments. However, these controls can cause apartment suppliers to lose revenue, pushing them to other markets or resulting in reduced maintenance or supply.
Landlords looking to maximize their profits might resort to listing on platforms such as Airbnb where they can set prices freely. This results in a reduced number of apartments offered at rent-controlled prices, exacerbating the issue and raising market rents in the long run.
Which is the biggest company in america in terms of sales?
The correct answer is Walmart.
Walmart is the company with the most sales in the United States. In 2017 Walmart had a whopping $485 billion in sales.
Personal liability coverage does not protect an occasional babysitter. the cost of legal defense. a guest. members of the homeowner's family who accidentally break a neighbor's antique lamp. a housekeeper.
a housekeeper is the best option
A study in the construction industry found that when equipment is stolen from building sites, workers are the culprits 82 percent of the time. if background checks reduced employee thievery over a period of time and throughout the industry, then this selection process would be ____.
a. corroborated
b. validation
c. legally binding
d. eeoc certified
e. legally authorized
B. Validation
You would expect that hiring quality employees without criminal histories would lead to a reduction in theft and these assumptions are validated by the findings.
If background checks reduced employee thievery over a period of time and throughout the industry, then this selection process would be: a. corroborated.
What is Corroborated?Corroborated refers to extra evidence or sources that support or confirm something.
In this case, the selection method for conducting background checks would be justified if background checks decreased employee theft and this conclusion was backed or validated by evidence from the study or other sources in the construction industry.
Therefore the correct option is A.
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When estee lauder set up a web site to sell its clinique and bobbi brown brands, dayton hudson reduced space for estee lauder products in its department stores in response to the __________________________?
Multichanel conflict, which happens when a manufacturer offers their products in different channels that compete with each other.
Dayton Hudson reduced space for Estee Lauder products in its department stores in response to Estee Lauder's move to sell its Clinique and Bobbi Brown brands online, highlighting the competitive threat posed by digital transformation in the retail industry.
Explanation:When Estee Lauder decided to launch a website to sell its Clinique and Bobbi Brown brands directly to consumers, Dayton Hudson responded by reducing space for Estee Lauder products in its department stores. This reaction was in response to the perceived threat of competition from Estee Lauder's online sales channel.
By going online, Estee Lauder not only expanded its sales reach but also directly competed with department stores like Dayton Hudson, which traditionally relied on exclusive access to such premium brands to attract customers. This situation highlights the impact of digital transformation in the retail industry, where traditional retailers have to adapt their strategies due to the increasing prominence of e-commerce platforms.
What is the difference between product promotion and institutional promotion?
What are advantages and disadvantages of promotion?
Hello there!
The difference between product promotion and institutional promotion is:
Institutional promotion:
Brand buildingCorporate AdvertisingUsed to bring people to their companyProduct promotion:
Product advertisingUsed to attract customers into a productUsed to increase the value of a productThose are the main differences between an institutional promotion and a product promotion. A institutional promotion is to pretty much advertise the company as a whole to customers, not a specific product, but on the other hand, a product promotion is advertising a specific product to customers. For example, a beer company would be doing a institutional promotion by advertising to drink responsibly, and that is showing that the company cares about people rather than building up their products. An example for a product promotion is Apple sending out advertisements about their new iPhone X, and the advertisement is specifically talking about that product and nothing else.
The advantage and disadvantage of promotion:
The advantages of promoting:
Increases salesIncreases valueIncreases BusinessThe disadvantages of promoting:
Increase priceNot trusted promotionDoubtful reasoningsIncrease in low quality advertisementsThe advantages of promotion is that you would get more people to buy a product and go to a companies business, and spend money on them. This is good because it will bring up the sales, which would bring the value of the company up, and will increase the business it gets.
The disadvantages of promotion is that you would need to increase the prices of a product so you can pay back the money that you used to advertise it. Promotions most of the time aren't trustworthy, a promotion could say that a phone is very durable and can survive a drop of 20 ft, but in reality, it really doesn't. Promotions could also have doubtful reasonings, for example, a toothpaste promotion could have a fake dentist in the advertisement to say how "good" thee toothpaste is. After the more promotions get released, the lower the quality of it gets. A business wants to save money, so they wouldn't spend a lot of money of a promotion of advertisement.
Product promotion focuses on specific products, while institutional promotion aims to boost the organization's overall image. Promotions help create awareness and increase sales, but run the risk of devaluing the product and being costly.
Explanation:Product promotion refers to the marketing activities a company uses to promote a specific product to potential and existing customers. For instance, this could include advertising, coupons, discounts, point of purchase displays, etc. On the other hand, institutional promotion aims to create a positive image for the entire organization rather than promoting specific products. Examples could include press releases, sponsorships, and corporate social responsibility initiatives.
As for advantages and disadvantages of promotions, they help create awareness, increase sales and attract new customers. However, they may also lead to perceived devaluation of the product if promotions are too frequent, and they can be expensive as well.
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In ________, goals set by top managers flow down through the organization and become subgoals for each organizational area.
a. traditional planning
b. management by observation
c. traditional goal setting
d. management by objectives
Answer:
traditional goal setting
Explanation:
This is traditional goal setting because the goals flow from the top down. Each organisational area then incorporates them from the top down.
Management by Objectives (MBO) ensures alignment of goals across an organization, from top management to specific departments, fostering a unified approach to goal achievement. The correct answer is D
Management by Objectives (MBO) is a systematic approach where goals set by top managers flow down through the organization, becoming subgoals for each department or area. This approach helps align individual and organizational goals, ensuring a coherent focus on achieving common objectives.
For example, in MBO, top management might set a goal of increasing sales by 10%. This goal would then be translated into subgoals for sales, marketing, and production departments, creating a cascading effect of goal setting across the organization.
MBO enhances goal alignment, encourages employee participation, and promotes a clear path for achieving organizational objectives.
_____ is often the approach of choice in markets with insufficient or underdeveloped distribution systems. direct marketing a big wholesale store internet selling a discount house television advertising
Direct marketing because makes up for the underdeveloped distubution systems
How can you ensure that you do not get lost on your way to your interview or arrive late? (Site 1)
Not get lost on the way to interview:
- check and confirm address of interview
- look up location on GPS or maps app on phone
- if possible, go to the interview site in advance
Not arrive late:
- find out how long it takes to travel there
- leave early before the interview
- if possible, go to the interview site in advance
Answer: Not get lost on the way to interview:
- check and confirm address of interview
- look up location on GPS or maps app on phone
- if possible, go to the interview site in advance
Not arrive late:
- find out how long it takes to travel there
- leave early before the interview
- if possible, go to the interview site in advance
utilizing the models of marketing communication-- tactic used in the one-to-one model which is a more personal level of marketing
Direct marketing tactic.
Direct marketing is a method used by companies that directly targets the potential customers they want to reach through things like direct mail, text advertisements, custom ads on social media, email marketing, and direct selling.
A direct marketing tactic utilizes the models of marketing communication-- tactic used in the one-to-one model which is a more personal level of marketing. A direct marketing tactic is a form of directly getting your advertisement/information to a potential consumer. Phone calls, text messages, emails, online ads, brochures and more are all direct marketing tactics to reach customers. By marketing directly to them, there is a greater chance of them seeing and considering the product/service.
Regarding the effects of coaching on standardized test scores, which of the following statements is most representative of current research?A. Coaching can lead to 100-point gains if the quality of coaching is high.B. Coaching is not likely to lead to 100-point gains if student motivation is high.C. The best predictor of increased test scores could be "number of times tested" and not "coaching." D. The best predictor of increased test scores could be "coaching quality" and not "student motivation."
The correct answer is choice a, coaching can lead to 100-point gains if the quality of coaching is high.
Current research has been published by the College Board indicating that students using a high quality coaching program can increase their standardized test scores by over 100 points.
The correct statement most representative of current research regarding the effects of coaching on standardized test scores is C. The best predictor of increased test scores could be ""number of times tested"" and not ""coaching.""
To understand why option C is the most representative of current research, let's consider the evidence typically found in educational studies
A. Coaching can lead to 100-point gains if the quality of coaching is high. While coaching can improve test scores, the claim of a specific 100-point gain is not universally supported. The effectiveness of coaching can vary widely, and research often shows more modest gains.
B. Coaching is not likely to lead to 100-point gains if student motivation is high. This statement suggests that student motivation might negate the need for coaching, which oversimplifies the complex interplay between motivation, coaching, and test performance. High student motivation can contribute to better performance, but it does not necessarily preclude the benefits of coaching.
C. The best predictor of increased test scores could be ""number of times tested"" and not ""coaching."" Research has shown that familiarity with the test format and repeated exposure to test-taking can lead to score improvements. This phenomenon, often referred to as the ""testing effect"" or ""practice effect,"" suggests that taking a standardized test multiple times can lead to higher scores, independent of coaching.
D. The best predictor of increased test scores could be ""coaching quality"" and not ""student motivation."" While coaching quality is indeed an important factor, it is not the only predictor of test score increases. Research indicates that other factors, such as the frequency of testing, can also be strong predictors of score improvements.
In summary, option C is supported by research that indicates the ""testing effect"" can be a significant factor in score improvements on standardized tests. This effect is independent of coaching quality or student motivation, although these factors can also influence test scores."
Austin sound sold inventory for $ 300,000, terms 2/10, n/30. cost of goods sold was $152,000. how much sales revenue will austin sound report from the sale
The correct answer is $300,000.
The company will report the actual amount of the sale - $300,000. The cost of goods sold is subtracted from the net sales on the income statement at the end of the fiscal period.
Austin Sound would report a sales revenue of $300,000 from the sale, regardless of the cost of goods sold or payment terms.
The sales revenue that Austin Sound would report from the sale, based on the information provided, is $300,000. This figure is not affected by the cost of goods sold or the payment terms of 2/10, n/30, as those relate to discounts for earlier payments and the cost of the inventory sold. The sales revenue is simply the total amount the inventory was sold for before any discounts or costs are considered.
The global capital market limits the opportunity for businesses and individuals to build a diverse financial portfolio.
a. True
b. False
this statement is false
The following advantages:unlimited life,ease of transfer and limited liability apply to
The correct answer is a corporation.
These three characteristics all refer to a corporation. It is for these reasons that many people chose to set their business up as a corporation instead of a proprietorship or partnership.
Teamwork competencies include keeping the team on track and expecting quality work.T/F
True. You don't want everyone just browsing the web.
More and more companies are increasing their interactive marketing budgets. most of this investment will be made in:
Search marketing (such as search engine optimization/SEO) and display advertising.
Because investors can eliminate unsystematic risk "for free" by diversifying their portfolios, they ________.
a. do not require a credit spread
b. are indifferent about credit spread and risk premium
c. require a risk premium for bearing it
d. do not require a risk premium for bearing it
D. do not require a risk premium for bearing it
Hector puts $150 into an account when the interest rate is 4 percent. later he checks his balance and finds he has about $168.73. how long did hector wait to check his balance?
Final answer:
Hector waited approximately 2.935 years for his bank balance to increase from $150 to $168.73 at an annual interest rate of 4% when compounded annually.
Explanation:
To determine how long Hector needed to wait for his balance to increase from $150 to $168.73 with an annual interest rate of 4%, we will use the formula for compound interest which is A = P(1 + r/n)(nt), where:
A is the amount of money accumulated after n years, including interest.
P is the principal amount.
r is the annual interest rate (decimal).
n is the number of times that interest is compounded per year.
t is the time the money is invested for in years.
Since the compounding frequency is not mentioned, we'll assume it is compounded once a year (n=1). We need to solve for t given:
P = $150
r = 0.04 (4% written in decimal form)
A = $168.73
The equation thus becomes $168.73 = $150(1 + 0.04)t.
To solve for t, we will first divide both sides of the equation by $150 to isolate the growth factor:
$168.73 / $150 = (1 + 0.04)t
Now solving for t, we'll use logarithms:
t = log(168.73/150) / log(1.04)
Using a calculator to find the value of t gives:
t ≈ 2.935
Therefore, Hector waited approximately 2.935 years to check his balance.
Molly finn filed a voluntary petition in bankruptcy. she provided a list of creditors and debts to the courts as required. however, ann sawyer was unintentionally left out of the list of creditors and debts. the creditors held their first meeting on march 5. it is now may 31 and sawyer has just learned of the bankruptcy of finn. will she be able to share in the distribution from the estate?
Answer: Sawyer can file a proof of claim, but it must be allowed by the court.
Explanation:
_____ is a process in which managers and employees at all levels set objectives for what they are to accomplish
This is management by objectives
Management by objectives is a process in which managers and employees at all levels set objectives for what they are to accomplish.
What is management by objectives?Control through objectives, otherwise called MBO, is a management idea framework popularized with the aid of control experts primarily based on a want to manage business primarily based on its desires and desires. MBO desires are tailored to meet the desires of state-of-the-art speedy-developing organizations and fast-paced painting environments.
You have to create one to a few desires that you can gain within the lengthy term. For instance, if you work in customer service, your desire might be to increase patron satisfaction by using 13% and reduce client name instances with the aid of mins.
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Some products that have entered the decline stage have been cycled back to the growth stage through ________.
strong promotion or repositioning.
Refer to exhibit 11-4. if a person's taxable income is $90,000, how much does he pay in taxes?
a. $22,500.
b. $19,250.
c. $17,600.
d. $8,780.
Without the specific exhibit 11-4, we cannot definitively answer this question. However, the question relates to how tax is calculated. In a hypothetical progressive tax system, a person's different income portions are taxed at varying rates. Assuming specific tax brackets, a person earning $90,000 might pay $13,000.
Explanation:Without having exhibit 11-4, it's impossible to give a precise answer. However, the given options suggest that this might be related to a progressive tax bracket system. In a progressive system, different portions of a person's income are taxed at different rates. Let's assume the person is taxed 10% on the first $50,000, then 20% on the next $40,000, and finally 30% on anything over $90,000.
The calculation steps would be:
10% of $50,000 gives us $5,000 20% of $40,000 gives us $8,000 Since $90,000 is our cap, we won't charge the 30% bracket.
Summing these up, we get a total of $13,000 in tax. However, this is a hypothetical scenario, and the exhibit might provide different tax rates and different income brackets.
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How has the Internet changed entertainment marketing? Predict how the internet will change entertainment marketing in the future
The internet has increased the options that consumers have. Consumers also have more information and a voice. Competition has also increased. In the future disturbution will improve and options are likely to increase futher.
Final answer:
The Internet has reshaped entertainment marketing by introducing new media platforms that facilitate targeted and cost-effective campaigns, particularly in politics. In the future, internet and social media marketing are expected to become more prominent, though TV will still hold significance. The continuous technological advancements in bandwidth and media consumption could further solidify the Internet's role in entertainment marketing.
Explanation:
The Internet has significantly transformed entertainment marketing by shifting the focus from traditional media to new media, which encompasses Internet-based technologies and platforms. One prominent change is in the marketing of political campaigns, which increasingly leverage the power of social media and online platforms to deliver targeted messages. The low cost and wide reach of the Internet allow for strategic, cost-effective campaigns that engage younger, educated, and technologically savvy demographics more effectively than traditional mass media.
In regards to the future of television advertisements in political campaigns, it is likely that while TV will remain significant due to its reach, the integration of the Internet and social media will become even more pervasive in disseminating political content. Ads tailored for the Internet and social media will likely be more interactive, personalized, and data-driven, catering to the preferences and behaviors of individual users.
As bandwidth and technology continue to advance, enabling richer media experiences such as streaming video on smartphones and tablets, the landscape of entertainment marketing will further evolve. The Internet may begin to overshadow television as it continues to offer novel ways to engage consumers and track the effectiveness of marketing strategies in real-time. Nevertheless, a universal access dilemma persists, potentially impacting the availability and influence of online marketing in the future.
Question help if the economy starts to boom and loan demand picks up, what do you predict will happen to the money supply?
a. the money supply will decrease
b. the money supply will not change
c. the money supply will increase
d. the effect on the money supply is ambiguous click to select your answer. please wait...
c. the money supply will increase
"when the number of units produced exceeds the number of units sold, net income under absorption costing will be:"
Answer:
The answer is that the net income under absorption costing would be higher than the net income under variable costing.
Explanation:
Absorption costing and variable costing are terms used in accounting contexts. Absorption costing, also known as full costing, incurs overhead costs when the product is sold; not before it. Variable costing, also referred to as direct costing, would include overhead costs during the period the costs occurred. In this condition, net income would be higher using absorption since overhead costs would not be included until the product is sold.
Variable cost per unit is constant throughout various relevant ranges.
a. True
b. False
a. true :)
i hope this helps
"one element of a financial goal is missing in the example below. which one is it? "i will save $150 each month to go on a vacation in one year.""
Attainable.
"SMART" financial goals are ones that are specific, measurable, attainable, relevant, and time-bound. This is a specific, relevant goal with a measurable amount of money and specific time frame but we do not know if this is attainable on this person's budget.
The element of financial goal that is missing in the given example is attainability.
What are financial goals?Financial goals refer to the targets set by any person to manage cash for future needs. Financial goals are clear and measurable milestones.
The financial goal should be attainable, which means that goals should be realistically set after considering all the elements such as incomes, expenses, and so on.
They should be properly combined with the income and should not be set at an unattainable level.
In the given example, it is unclear whether the plan is attainable with the current income or not.
Hence the correct answer is attainability.
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Which of the following statements about torts is correct?
a. A tortious act is always a criminal act.b. A criminal act is always a tortious act.c. A tortious act may also be a criminal act.d. A tortious act is the same as a contract dispute.
Hello There!
Your answer would be C). A tortious act may also be a criminal act.
The reason why C would be your answer is because a tortious act is something that harms someone in any way. The reason why it "may" be a criminal act is because determine if the tortious act is a criminal act really depends on the scenario that is occurring. For example, someone could cause a tortious act in a way of self defense, this scenario would be debatable because the person that committed the tortious act had a valid reason in doing so, and that was protecting themselves. But, if a person was to cause a tortious act by hurting someone to steal from them, then that would definitely be a criminal act because they are performing dangerous things to someone else, and the person could file a lawsuit against it.
Let's dive into why the other answer choices are incorrect. We can use the old fashion process of elimination:
Answer choice "A). A tortious act is always a criminal act" is incorrect because it is not always a criminal act, it depends on the scenario it's in. This is the reason why this answer choice would be eliminated.
Answer choice "B). A criminal act is always a tortious act" is incorrect because there are MANY criminal acts that doesn't harm anyone, for example, tax evasion (not paying taxes) is a criminal act, but does not cause any harm to anyone. This is the reason why this answer choice would be eliminated.
Answer choice "D). A tortious act is the same as a contract dispute" is incorrect because harming someone is not the same as not doing what a contract says. A contact dispute is when someone that's part of a contract did not do a duty that the contract says that they're suppose to do, and that usually doesn't have to be any harm to anyone. That would not be the same as a tortious act, harming someone. This is the reason why this answer choice would be eliminated.
The following statements about torts that correct is a tortious act may also be a criminal act. The correct option is c.
What do you understand by torts?Torts are a civil wrong that causes a claimant to suffer loss or harm, resulting in legal liability for the person who commits a tortious act. Tort law can be contrasted with criminal law, which deals with criminal wrongs that are punishable by the state.
While criminal law aims to punish individuals who commit crimes, tort law aims to compensate individuals who suffer harm as a result of the actions of others. Some wrongful acts, such as assault and battery, can result in both a civil lawsuit and a criminal prosecution in countries where the civil and criminal legal systems are separate.
Tort law may also be contrasted with contract law, which provides civil remedies after breaching a duty that arises from a contract.
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