There are several reasons why bank managers may not be willing to pursue strategies to reduce the fragility of their institutions. Banks need to prioritize risk management and invest in the resources necessary to ensure their long-term viability.
Firstly, bank managers may prioritize short-term profits over long-term stability. Pursuing strategies to reduce fragility may require significant investments in technology, training, and risk management, which may not yield immediate returns.
Secondly, bank managers may be reluctant to acknowledge weaknesses in their institution's risk management practices. Admitting that the bank is fragile may damage the bank's reputation and lead to decreased investor confidence.
Finally, bank managers may lack the expertise or resources to effectively pursue strategies to reduce fragility. Reducing fragility requires a comprehensive understanding of the risks facing the institution, as well as the ability to develop and implement effective risk management practices.
In conclusion, while reducing fragility is essential for the long-term health and stability of banks, there are several reasons why bank managers may not always be willing to pursue these strategies. Banks need to prioritize risk management and invest in the resources necessary to ensure their long-term viability.
Know more about fragility here:
https://brainly.com/question/13800664
#SPJ11
The quality control manager for a snack manufacturer needs to confirm the average weight of product in their family size snack pack, which is advertised to contain 350 g of chips.
How many snack packs must he weigh in order to determine a sample mean weight that is within 5 g of the population mean weight, at a confidence level of 9996? Assume that
population standard deviation is 12 g according to food production literature. Round up to the closest integer.
The quality control manager needs to weigh at least 122 snack packs to determine a sample mean weight within 5 g of the population mean weight, at a confidence level of 99.96%.
To calculate the required sample size, we can use the formula:
n = (Z * σ / E)^2
n = required sample size
Z = Z-value corresponding to the desired confidence level (in this case, 99.96%)
σ = population standard deviation
E = maximum error allowed (5 g)
Plugging in the values:
n = (Z * σ / E)^2 = (3.719 * 12 / 5)^2 = 8.93^2 ≈ 79.7
Rounding up to the closest integer, the quality control manager should weigh at least 80 snack packs.
Learn more about manager here:
https://brainly.com/question/32150882
#SPJ11
How does a change in Expectations cause a change in supply?
list your personal interest
Answer:
my interest is to reach conqueror in pubg mobile
Chris borrowed money from a credit union for 2 years and was charged simple interest at an annual rate of 6%. The total interest that he paid was $1080. How much money did he borrow? If necessary, refer to the ____
Chris borrowed $9000 from the credit union.to find the amount of money chris borrowed, we can use the formula for simple interest: simple interest = principal × rate × time.
if necessary, refer to the formula for calculating simple interest:simple interest = principal (borrowed amount) × rate × time
given:simple interest = $1080rate = 6% per yeartime = 2 years
let's denote the principal (amount borrowed) as p.1080 = p × 0.06 × 2
1080 = 0.12pdivide both sides by 0.12 to solve for p:
p = 1080 / 0.12p = $9000 we are given that the total interest paid is $1080, the annual interest rate is 6%, and the time period is 2 years. by rearranging the formula, we can solve for the principal (amount borrowed). plugging in the given values, we get the equation 1080 = p × 0.06 × 2. simplifying, we have 1080 = 0.12p. dividing both sides by 0.12, we find that the principal (p) is $9000. , chris borrowed $9000 from the credit union.
Learn more about interest here:
https://brainly.com/question/30393144
#SPJ11
Which of the following choices incur speculative risk?
a.stocks
b.fire insurance on a house
c.options
d.life insurance
e.high interest savings account
Answer: correct option is A.
Explanation: A speculative risk can be defined as risk that is taken willingly either it results in profit or loss and the stocks involve in probability of gain and loss making it a speculative risk.
Stocks incur speculative risk. Therefore option A is correct.
What are Stocks?A stock usually referred to as equity, is a type of investment that denotes ownership in a portion of the issuing company. Shares, also known as units of stock, entitle their owners to a share of the company's assets and income in proportion to the number of shares they possess.
Common stock and preferred stock are the two primary categories of stocks.
Owners of common stock are entitled to dividends and the right to vote at shareholder meetings.
Common stockholders often do not have voting rights, while preferred stockholders typically get dividend payments ahead of time and are given preference over common investors in the event of a firm bankruptcy and asset liquidation.
To learn more about Stocks follow the link.
https://brainly.com/question/14649952
#SPJ2
Identify the publisher in this citation: Carter, Alan. A Guide to Entrepreneurship. New York: River, 2008. Print.
The publisher in the given citation is River. In the citation "Carter, Alan. A Guide to Entrepreneurship.
New York: River, 2008. Print," the publisher is indicated after the location, which is New York. The publisher is the entity responsible for producing and distributing the book. In this case, the publisher's name is River.
Publishers play a crucial role in the publication process. They work closely with authors to ensure the quality of the content and handle the printing, distribution, and marketing of the book. Publishers also make decisions regarding the format, cover design, and pricing of the book.
Knowing the publisher of a book can be helpful for various reasons. It allows readers to identify reputable publishers and gain a better understanding of the book's credibility and quality. It can also be useful for academic purposes, such as when citing sources in research papers or identifying specific editions of a book.
In this particular citation, the publisher River is identified as the entity responsible for publishing the book "A Guide to Entrepreneurship" written by Alan Carter in 2008.
To know more about publisher visit:
https://brainly.com/question/32206755
#SPJ11
An extended introduction stage of the product life cycle occurs for which type of product?
high learning
low learning
fashion
fad
primary
Because consumers must be thoroughly educated about the offering, high-learning products have lengthy introduction stages.
What do you mean by product life cycle?The product life cycle's initial phase is represented by this. The first step after a product's creation is to introduce it to the market. The product is initially released onto the market at this phase.
A business's response when it realises a product is approaching the recession of a product lifecycle is known as an extension strategy. By preserving a product's maturation state, these steps seek to lengthen its shelf life and should boost sales.
To know more about high-learning visit:
https://brainly.com/question/15286604
#SPJ1
winn co. signs a 60 day note payable for a $15,000 copy machine with an interest rate of 8%. winn will record total interest expense of:
Answer: $200
Explanation:
The total interest expense that should be recorded is $200.
Given that,
winn co. signs a 60 day note payable for a $15,000 copy machine with an interest rate of 8%.Here we assume 360 days in a year.Based on the above information, the calculation is as follows:
= $15,000 ×8% × 60 ÷ 360
= $200
Therefore we can conclude that the total interest expense that should be recorded is $200.
Learn more: brainly.com/question/2977909
What all contributed to the emergence of a new interdependent global economic system'?
The interdependence of the post-World War II global economy is driven by technological advances (computerization, containerization, low-cost travel, low-cost telecommunications, etc.) and a shift from global openness to open domestic economies both internally and externally. increased as a result of related policies aimed at the competition.
An economy is the area of production, distribution, trade and consumption of goods and services. Generally, it is defined as a social domain emphasizing practices, discourses, and material expressions related to the production, use, and management of scarce resources.
A standard definition of economics might describe it as: a social science focused on the satisfaction of needs and desires through the allocation of scarce resources with alternative uses. Economics can be said to be the study of scarcity and choice.
Learn more about economy here:https://brainly.com/question/1106682
#SPJ4
According to the globe project, in-group collectivism refers to:.
In-group collectivism simply means how much pride and loyalty individuals have for their family or organization.
What is In-group collectivism?In-group collectivism means the degree to which individuals are able to express pride, and cohesiveness in their families or organizations.
Countries with high institutional collectivism have individuals that identify with their families or organizations and obligations determine behaviors.
Learn more about collectivism on:
https://brainly.com/question/7593616
6. Identify a change in technology during each of the time periods in history below that you believe improved the
way marketing activities were completed. List the example and explain how it contributed to marketing during
that time.
(a) 1900s to 1930s
(b) 1930s to 1950s
(c) 1950s to 1980s
(d) 1980s to today
Answer:
Answer:
Prior to the 1950s, the production orientation generally held true due to the growing numbers of affluent and middle class people that capitalism had created.
Say’s Law states that the “production of commodities creates, and is the one and universal cause which creates, a market for the commodities produced”.
The emphasis of firms adopting a production orientation of marketing would have been based on the theory of economies of scale, which are the cost advantages that an enterprise obtains due to expansion.
1. Why is career education so important for teens?
A country usually imposes an embargo on another country for economic reasons rather than political reasons.
True or False
Answer:
True
Explanation:
Hopefully this helps.
Answer:
False
Explanation:
Took test
How can an employee best help to maintain a positive work environment?
ОА.
Avoid interacting with other staff members.
OB.
Focus on the good things.
O C.
Socialize every evening with other staff members.
OD.
Maintain good relations with the management.
Answer:
it is (C)
Explanation:
explain advertisement
Answer: Advertisement is a marketing communication. It is used to promote businesses and their products. Used to promote more effectiveness in a businesses profit and their sales. May be seen in the form of commercials or billboard announcements in everyday life.
After making a down payment of £35,000, the David’s need to secure a loan of £290,000 to purchase a certain house. Their bank’s current rate for 25-year-old home loans is 5.7%/year compounded monthly. The owner has offered to finance the loan at 4.8%/year compounded monthly. Assuming that both loans would be amortized over a 25-year period by 300 equal monthly instalments, determine the difference in the amount of interest the David’s would pay by choosing the seller’s financing rather than their bank’s financing
Given that the David’s have made a down payment of £35,000, the amount of loan they will require to purchase the house will be:£290,000 (cost of the house) - £35,000 (down payment) = £255,000 (required loan)The bank offers an interest rate of 5.7% per year compounded monthly, whereas the seller is offering an interest rate of 4.8% per year compounded monthly.
Both loans will be amortized over a period of 25 years with 300 equal monthly installments.To find the difference in the amount of interest that the David’s would pay by choosing the seller’s financing rather than their bank’s financing, we can calculate the total interest paid for each loan and then subtract them from each other.Let us first calculate the monthly payment for each loan. We can use the PMT function in Excel to calculate the monthly payment.=PMT(rate/12, nper, pv)where rate = interest rate per month, nper = number of total months, and pv = present value (loan amount).For bank financing:rate = 5.7%/12 = 0.00475 n per = 25 x 12 = 300 pv = £255,000 PMT (rate, n per, pv) = £1,580.17 (rounded to the nearest penny)Therefore, the monthly payment for bank financing is £1,580.17.For seller financing:rate = 4.8%/12 = 0.004 n per = 25 x 12 = 300 pv = £255,000 PMT(rate, nper, pv) = £1,458.17 (rounded to the nearest penny)Therefore, the monthly payment for seller financing is £1,458.17.
Next, let us calculate the total interest paid for each loan. We can use the CUMIPMT function in Excel to calculate the total interest paid.=CUMIPMT(rate/12, nper, pv, start_period, end_period, type)where rate = interest rate per month, nper = number of total months, pv = present value (loan amount), start_period = start period (usually 1), end_period = end period (usually the total number of periods), and type = type of payment (usually 0 for end of period).For bank financing rate = 5.7%/12 = 0.00475 n per = 25 x 12 = 300 pv = £255,000 start_period = 1end_period = 300type = 0CUMIPMT(rate, nper, pv, start_period, end_period, type) = £248,874.60 (rounded to the nearest penny)Therefore, the total interest paid for bank financing is £248,874.60.For seller financing rate = 4.8%/12 = 0.004 n per = 25 x 12 = 300 pv = £255,000 start_period = 1 end_period = 300 type = 0CUMIPMT(rate, nper, pv, start_period, end_period, type) = £207,451.20 (rounded to the nearest penny)
Therefore, the total interest paid for seller financing is £207,451.20.Finally, we can calculate the difference in the amount of interest the David’s would pay by choosing the seller’s financing rather than their bank’s financing.= Total interest paid for bank financing - Total interest paid for seller financing= £248,874.60 - £207,451.20= £41,423.40 Therefore, the difference in the amount of interest the David’s would pay by choosing the seller’s financing rather than their bank’s financing is £41,423.40.
To know more about financing
visit https://brainly.com/question/33191408
#SPJ11
Finding a job that matches your skills and interests, and finding a job that has a positive job outlook are both important things to consider when selecting a career. Which do you think is more important? Why?
<< Read Less
Answer: Finding a job that matches your skill and interest.
Explanation:
This is very important and it majorly one of the key things to consider when applying for jobs. Sometimes, desperation makes people take any job without thinking if they like the job or not and this is bad as it will hinder the success of such person in the firm.
A typical example of this is applying for a job that requires proficiency in microsoft office packages and you literally have no knowledge but you only applied considering the Positive outlook of the firm, they are no two ways about this, you'd perform woefully if being asked simply because you don't possess the skill.
Finding a job that matches your skills and interest tends to make the job more enjoyable as you will be more motivated to keep the job and will find great pleasure in carrying out the task given. It also aids your career development as well, according to the saying practice makes perfect, doing what you love will continually help you to grow and develop yourself in your chosen field.
Companies allow customers to pay for products using third-party credit cards because: (Check all that apply.)
The reasons why Companies allow customers to pay for products using third-party credit cards are;
a variety of payment options typically increase sales volume.the seller does not have to evaluate customer credit.cash is received from the credit card company faster than from a credit customer.the seller avoids the risk of customer non-payment.Why do companies allow payment with third-party credit cards?In most cases, companies usually prefer the payment by customer using third-party credit cards because cash is received from the credit card company faster than from a credit customer.
And this also help the seller to avoids the risk of customer non-payment.
Learn more about third-party credit cards at;
https://brainly.com/question/24452126
Turner LLC, a real estate developing company, was accounting for its
long.term contratsusing the completed contract method prior to 20×5. In 20×5,
it changed to the percentrgeofrompletion method. The company decided to
use completed contract for income tax purposes The tax rateensadeds 40% Income before taxes under both the methods for the past three years appeers bebik.
Turner LLC, a real estate developing company, changed its accounting method from the completed contract method to the percentage of completion method in 20×5.
However, for income tax purposes, the company decided to continue using the completed contract method. The tax rate is 40%. The income before taxes under both methods for the past three years appears to be unknown based on the information provided.
Turner LLC, as a real estate developing company, has the option to choose between different accounting methods for long-term contracts. The completed contract method recognizes revenue and expenses only when the project is completed. On the other hand, the percentage of completion method recognizes revenue and expenses proportionally as the project progresses.
In 20×5, Turner LLC changed its accounting method to the percentage of completion method. This means that the company will recognize revenue and expenses as the project progresses, providing a more accurate representation of the financial position. However, for income tax purposes, the company decided to continue using the completed contract method. This might be due to the tax advantages associated with this method.
Unfortunately, the information provided does not mention the income before taxes under both methods for the past three years. Therefore, it is not possible to determine the specific amounts without additional information.
Learn more about income tax: https://brainly.com/question/19643657
#SPJ11
In this project, you will have the opportunity to practice valuable entrepreneurial skills, including the following. • Time management: Developing the time line will teach you time management skills
Time management: Developing the time line will teach you time management skills .In this project, one of the valuable entrepreneurial skills that you will have the opportunity to practice is time management
Developing the timeline for the project will require you to effectively manage your time and allocate resources in order to meet project milestones and deadlines .Time management skills are crucial for entrepreneurs as they help in prioritizing tasks, meeting deadlines, and ensuring efficient use of available time and resources. By practicing time management in this project, you will learn how to effectively plan and allocate time for each task, set realistic deadlines, and track progress to ensure timely completion. Creating a timeline involves breaking down the project into smaller tasks, estimating the time required for each task, and organizing them in a sequential order. This process requires you to prioritize tasks based on their importance and urgency, identify dependencies between tasks, and allocate appropriate time for each activity. Through this exercise, you will develop the ability to identify time-wasting activities, avoid procrastination, and improve productivity. You will also gain insights into effective resource allocation, as you balance competing demands and make strategic decisions to optimize the use of time and resources. Overall, practicing time management skills in this project will not only contribute to the successful completion of the project but also equip you with a valuable entrepreneurial skill that can be applied in various aspects of your professional and personal life.
Learn more about Time management here:
https://brainly.com/question/29670321
#SPJ11
Question Three (3)
The principle of continuous improvement is common to
many businesses. Continuous improvement is a culture of developing
and improving processes and products over time. Using practic
Continuous improvement is a culture of developing and improving processes and products over time.
What does continuous improvement involve in businesses?Continuous improvement is a fundamental concept embraced by many businesses. It entails the ongoing effort to enhance processes and products, aiming for increased efficiency, quality, and customer satisfaction. This approach emphasizes the need for a proactive and systematic approach to identifying areas of improvement, implementing changes, and evaluating their impact.
By fostering a culture of continuous improvement, organizations can adapt to evolving market demands, stay ahead of competitors, and drive innovation. It involves encouraging employees at all levels to contribute ideas, seeking feedback from customers, and leveraging data and analytics to identify opportunities for optimization. Embracing this principle can lead to enhanced productivity, reduced costs, and ultimately, long-term success in a rapidly changing business landscape.
Learn more about improvement
brainly.com/question/31679425
#SPJ11
Why does a CISO need to be able to differentiate the drivers of corporate governance and IT governance?Compare and contrast corporate and IT governance from the standpoint of someone trying to explain the difference to IT personnel who may not know the corporate drivers.
As a CISO, it is important to differentiate the drivers of corporate governance and IT governance because they serve different purposes and have different goals. Corporate governance is concerned with the overall management and control of an organization, including its strategy, policies, and processes. IT governance, on the other hand, focuses specifically on the management of IT systems and services, ensuring they align with the organization's goals and objectives.
From the standpoint of someone trying to explain the difference to IT personnel who may not know the corporate drivers, it is important to note that corporate governance is driven by regulatory compliance, financial performance, and risk management, while IT governance is driven by operational efficiency, effectiveness, and innovation. Corporate governance is more concerned with the overall direction and performance of the organization, while IT governance is more concerned with the specific technology systems and services that support the organization's goals.
To contrast the two, corporate governance is focused on ensuring that the organization is run effectively and ethically, while IT governance is focused on ensuring that the technology systems and services are managed effectively and efficiently. Overall, a CISO needs to understand both corporate governance and IT governance in order to effectively manage IT security and ensure that technology systems and services are aligned with the organization's goals and objectives.
Hi! To answer your question, a CISO (Chief Information Security Officer) needs to differentiate the drivers of corporate governance and IT governance because they serve distinct purposes in an organization.
Corporate governance refers to the rules, practices, and processes by which a company is directed and controlled. Its primary purpose is to protect the interests of shareholders and other stakeholders, ensuring the organization is managed ethically, transparently, and effectively. The main drivers of corporate governance include legal requirements, industry standards, and ethical considerations.
On the other hand, IT governance focuses on the management and control of IT resources to meet the organization's goals and objectives. It ensures that IT investments are aligned with business needs and that risks related to technology are effectively managed. The main drivers of IT governance include strategic alignment, risk management, and performance measurement.
Understanding the difference between corporate and IT governance is essential for a CISO, as they need to ensure that both governance aspects are integrated and complementary. This will enable the CISO to better communicate with IT personnel, who may not be familiar with corporate drivers, and facilitate collaboration between IT and other organizational functions. By differentiating between corporate and IT governance, the CISO can help IT personnel understand the broader context and objectives of the organization, ensuring a more holistic approach to information security and risk management.
To Know more about corporate governance.
brainly.com/question/31749513
#SPJ11
who is the father of accounting
Answer:
Luca PacioliExplanation:
He first described the system of double-entry bookkeepingn 1494
Answer:
Luca Pacioli is regarded as the Father of Accounting.
Explanation:
The highest yielding savings accounts are paying historically low interest rates, so Maria is only able to get a 1% annual interest rate for her savings account. Assuming interest rates do not change, use the Rule of 72 to approximate how many years it will take for her to DOUBLE her money in this account?
Using the rule of 72 it is going to take Maria a period of 72 years in order to be able to double the money that is in her account.
What is the rule of 72?This is the term that is used to refer to the rule that helps to tell us of the number of years that would be needed in order to be able to double the amount of invested money of a person.
The formula for the rule of 72 is given as
t = 72 / r
where
t = years
r = rate in percentage
Hence we can say that
72 / 1%
Hence the period that it would take to double the money would be 72 years.
Read more on the rule of 72 here:
https://brainly.com/question/18244946
#SPJ1
The government tax for a sole proprietorships and a partnership is classified under
A. personal income
B. small corporations
C. tax free businesses
D. nonprofit organizations
Answer:
the answer is personal income
Answer:
A. personal income
Explanation:
got it right on edgu 2021
A. Where and when was the first CPK created? By whom?
B. What was their concept?
C. How many locations did CPK have in 2007?
D. What percentage of the stores were in California?
E. Why was the casual dining model a success?
F. What are CPK's three sources of revenue?
The first California Pizza Kitchen (CPK) was created in Beverly Hills, California in 1985 by lawyers Rick Rosenfield and Larry Flax.
The concept behind CPK was to provide innovative and high-quality pizzas using non-traditional ingredients, such as barbecue chicken and Thai peanut sauce.
In 2007, CPK had 213 locations worldwide. Around 70% of CPK's stores were located in California in 2007.
The casual dining model was a success for CPK because it allowed them to provide a more relaxed atmosphere for customers while also offering a unique and diverse menu.
CPK's three sources of revenue are dine-in sales, take-out and delivery sales, and franchise fees.
To know more about California Pizza Kitchen visit:
https://brainly.com/question/28393058
#SPJ11
Pharmacy technicians work in pharmacies that can be found where? Check all of the boxes that apply.
hospitals
drug stores
medical clinics
schools
manufacturing labs
Answer:
could be 3 of those answer choices
-hospitals
-drug stores
medical clinics
Explanation:
Answer:
1 2 3
Explanation:
Which is a short term consequence of making a late payment on your bill
Answer:
There will be a late fee added to the bill.
Answer:
just if you don't think the person on top of me is right he is I did the quiz and got a 100%
Explanation:
Which economic tool would most likely be used as part of an expansionary
monetary policy?
O A. Selling treasury securities
B. Raising the reserve requirement
C. Reducing the discount rate
D. Increasing interest on reserves
Answer:
C. Reducing the discount rate
Explanation:
Expansionary monetary policies are macroeconomic undertakings by the Federal Reserve that aim at stimulating economic growth in the economy. Expansionary policies result in an increased flow of money in the country, which increases the aggregate demand.
The discount rate is the rate at which the Federal Reserve (the Fed ) charges commercial banks for advancing them credit. Reducing the discount rate makes loans from the Fed more affordable. Commercial banks will opt to borrow from the Fed at lower rates and lend out to households and firms at a higher interest rate, thereby making profits. Reducing the discount rate increases the money available for banks to lend out. Households and businesses will borrow this money for development and investments, which ignites economic growth.
Answer:
reducing the discount rate
Explanation:
ap3x
2.which of the following statements best describes a keynesian approach to economics? a)aggregate demand is the most important driving force in the economy, but free-markets have no self-balancing mechanisms that lead to full-employment; therefore, government intervention is often necessary to stabilize an economy. b)politics determines economics, the nature of economics is conflictual, and the main actors are nation-states; therefore, the main goal of economic activity is the maximization of national interest. c)individual freedom to pursue interests/wealth in an open market free of government interference with the role of government to primarily protect property rights. d)resources flow from a periphery of poor and underdeveloped countries (global south) to a core of wealthy states (global north) enriching the latter at the expense of the former. poor countries are systemically locked into this unfavorable situation.
Option a is correct. The main economic driver is aggregate demand, but since free markets lack self-balancing mechanisms that lead to full employment, stabilising an economy frequently requires government intervention.
A macroeconomic theory known as Keynesian economics examines the total amount of spending in the economy and how it affects production, employment, and inflation. In an effort to comprehend the Great Depression, British economist John Maynard Keynes created it in the 1930s.
The fundamental tenet of Keynesian economics is that economic stabilisation may be achieved by government intervention. Keynes' theory was the first to clearly distinguish between the study of individual motivations and economic behaviour from those of broad aggregate variables and conceptions.
Keynes' theory led him to propose higher government spending and lower taxes as a way to boost demand and rescue the world economy from the Great Depression. Later, the term "Keynesian economics" was used to describe the idea that economic performance could be optimised and economic downturns might be avoided.
Know more about macroeconomic here:
https://brainly.com/question/28489802
#SPJ4