While a current account is designed for daily transactions, a savings account is a deposit account that only permits a few transactions.
This is the most basic account you may open at any bank. A savings account, by definition, allows you to deposit your money safely with the bank, removing the need for you to carry it with you or hide it in that rusty old steel safe at home. Don't worry; you can withdraw these funds whenever you require them. Businessmen that transact with the bank more frequently open current bank accounts. Included are countertransactions, withdrawals, and deposits. Yet another name for it is a demand deposit account. Opening a current account is permitted by cooperative banks and commercial banks alike.
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Which recovery core capability is implemented to return economic and business activities?
Regarding the key capability for economic recovery. In order to offer the community jobs, goods, and services, as well as greater living standards, support the recovery and resiliency of economic
business operations (including food and agriculture). The goal of economic recovery is to create new business and job possibilities that lead to a community that is economically sustainable while also restoring economic and business activities (including food and agriculture) to a healthy state.The goal of economic recovery is to create new business and job possibilities that lead to a community that is economically sustainable while also restoring economic and business activities (including food and agriculture) to a healthy state.
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a person who changes jobs frequently, moves often, and always seems happier because of such changes is likely to be high in:
A person who moves frequently, changes jobs frequently, and always appears happier as a result is likely to be high in openness.
A person who moves frequently, changes jobs frequently, and always appears happier as a result is likely to be high in openness. It is where an individual is open-minded in different scenarios, they tend to receive or perceive things in the most positive way possible than accepting it negatively. They are the ones who welcomes new ideas and situations. It could be seen in the scenario above as the man seems happy despite of the changes in his life in which it shows that he accepts them in a positive way.
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a building with an appraisal value of $134,495 is made available at an offer price of $159,882. the purchaser acquires the property for $30,575 in cash, a 90-day note payable for $28,314, and a mortgage amounting to $56,449. the cost of the building to be reported on the balance sheet is
The cost of the building to be reported in the balance sheet is $115,338 as per the given appraisal value, mortgage and note payables
The cost basis of an investment or asset is the total purchase price which is used for tax purposes. The cost basic value is used to determine the capital gain tax which is the difference between its market value and cost basis.
The cost basis recorded in the buyer's accounting records to recognize this purchase will be:
Cost basis = Appraisal value + Note payable + Mortgage
Cost basis = $30,575 + $28,314 + $56,449
Cost basis = $1,15,338
So the cost bases that will be recognised for this purchase will be $115,338
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bonds that require payment of the full principal at a single maturity date are known as term_____bonds.
Bonds that require payment of the full principal at a single maturity date are known as term bonds.
How will you describe term bonds?An expiry date is a feature of a term bond. Due to their set maturity dates and lesser risk than traditional bonds, they provide you with the chance to invest in bonds at lower interest rates. Term bonds are often issued by state or municipal governments, although some businesses also do so for retirement savings schemes for their employees.
How Are Term Bonds Operated?There are typically two methods to purchase bonds issued by businesses and governments: face value and market value (also known as "par"). Bond prices are intimately correlated with interest rates, so as rates rise, bonds sell for less money, and vice versa. Investors have the option of reselling their normal bonds on the market. Term bonds may be the ideal option if you're seeking for a secure investment because they feature lower interest rates than conventional bonds. Investing in high-quality bonds with little risk is also possible with term bonds.
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1. Describe two rights and two responsibilities that you have as an employee.
2. Assume that you have been newly hired to a great company and you would like to keep your job. what are some of the strategies that you can demonstrate in order to keep your job in a competitive job market? In a paragraph or two, describe at least three of these strategies and give reasons why you believe they are important.
Employees have the following rights: Not to experience harassment or be treated unfavorably due to their race, color, religion, sex (including pregnancy, sexual orientation.
What do you mean by Compensation?
You have the right to get paid as an employee, but you also have a responsibility to do the job that your manager asks of you.As an employee, you have the right to work safely, but you also have a responsibility to act in a responsible and respectful manner so that you can simultaneously save your own life and the lives of others.The right to confer with others regarding job safety. workers' compensation rights. the appropriate to a just and fair workplace. a claim to equal remuneration and working conditions.The strategies for a job are as followsCompetitive compensation.Company culture. Community. Trust.To know more about Employee here
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starting at a price of $30, if earthscience were to increase the price by 6%, will the quantity demanded decrease by more than 6%, by less than 6%, or by exactly 6%? explain.
As per the elasticity in demand, the price of the product is increased as 180%
Elasticity of demand:
In economics, elasticity of demand refers the change in demand due to the change in one or more of the variable factors that it depends on.
Given,
Here we have the starting at a price of $30, if earth science were to increase the price by 6%, will the quantity demanded decrease by more than 6%, by less than 6%, or by exactly 6%.
And we need to find the price of the product.
As per the given situation, the quantity demand will increase by
=> (30 x 0.06 = 1.8)
Then there must be 180% when the price elasticity of demand is 30 and the price increases by 5%.
Which state that when demand is inelastic (less than 1), an increase in the price will result in an increase in total revenue because the price increase more than offsets the decrease in quantity demanded.
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umpqua defines other financial institutions that perform banking services as their competitors. therefore they take a/an ___________ of its competition.
Umpqua defines other financial institutions that perform banking services as their competitors. therefore they take an advantage of its competition.
In order to attain a certain commercial goal, such as earnings, sales, or market share, businesses or sellers compete for the patronage of consumers. In this setting, the rivalry is frequently used to describe competitiveness. It is also described as a situation in which several economic enterprises compete to get items that are restricted by diverse market factors.
The majority of banks face competition from a range of other financial service providers, including trust companies, life insurance companies, financing businesses, federal and provincial credit unions, federal and provincial financial agencies, and financial technology firms.
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the following question asks you to analyze the monopolistically competitive market structure, which has some characteristics of both a monopoly and a competitive market.
When numerous businesses engage in a same industry and make comparable but different products, monopolistic competition, a type of market structure, takes place.
The monopolistically competitive market structure combines elements of monopolies and competitive markets. It is simple to enter and quit marketplaces that are both competitive and monopolistically competitive.
In contrast to competitive markets, where products are homogenous, monopolistically competitive marketplaces have slightly varying products or product differentiation.
An explanation of monopolistic competition
A type of market structure known as monopolistic competition occurs when many companies operate in a single industry and produce products that are similar but different.
None of the companies has a monopoly, and they all manage their own operations without considering what other companies are doing.
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what would you do if you had a job and didn’t receive a w-2 form from your employer by the deadline?
If you didn't receive a w-2 form from your employer within the deadline then contact the Internal Revenue Service.
A w-2 form can be described as such a form that includes wages and taxes. This form is mandatory by the government of a country for every person that is employed.
A w-2 form has to be requested from the employer for which you are working. However, if the employer fails to provide you with a w-2 form, then you should contact the Internal Revenue Service as they deal with such matters. The internal revenue Service will ask for the w-2 form from the employer on your behalf.
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suppose the fed wants to increase the money supply by $1,000 billion to drive down interest rates and stimulate the economy. to accomplish this, it could lower the reserve requirement from 20 percent to
To drive down interest rates and stimulate the economy it could lower the reserve requirement from 20 percent to 10 percent.
Money supply- The entire amount of money owned by the public at a specific time is referred to as the money supply in macroeconomics. There are many ways to define "money," but common measurements often include circulation-level money and demand deposits.
Interest rate- An interest rate indicates how expensive borrowing is or how lucrative saving is. Therefore, if you are a borrower, the interest rate is the sum you pay for borrowing money and is expressed as a percentage of the overall loan amount.
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4) compared to a perfectly competitive industry, a monopolist: group of answer choices a) charges a higher price b) earns less profit in the long run c) increases consumer surplus d) produces a large quantity
Compared to a perfectly competitive industry, a monopolist charges a higher price. So option a. is correct.
A monopolist refers to an individual, group, or company that dominates and controls the market for a specific good or service. This lack of competition and lack of substitute goods or services means the monopolist wields enough power in the marketplace to charge high prices. The United States government regulates unfair competition by enforcing antitrust laws, which restrict monopolies and protect consumers from predatory business practices.
Some monopolies are legal and sanctioned by the government, such as companies in the utilities sector.
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Why is it important for insurance companies to have a large risk pool of people paying premiums?
Pooling is very beneficial due to the fact that the cost of health care could be high and they could lead to significant costs. Risk pooling would help to ensure that those that are in need would be able to afford it when necessary.
Now, According to the question:
It is important for insurance companies to have a large number of people paying premiums in order to have the higher costs than the needy would have to be offset by the lower costs of the less needy.
If a risk pool is larger than it is, it is very helpful because it would make the premiums to be more stable as well as to be more predictable.
Pooling is very beneficial due to the fact that the cost of health care could be high and they could lead to significant costs. Risk pooling would help to ensure that those that are in need would be able to afford it when necessary.
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The demand that women should receive equal pay relative to men for work that is similarly demanding, involves similar responsibilities, and requires similar levels of education and training is the basis of the concept of?
The concept of equal value is based on the assumption that women should be paid equally to men for work that is equally challenging, involves comparable tasks.
What are examples responsibilities?The obligation to complete a task is one example of a responsibility. It's indeed your job to clean your teeth every day since it is "a responsibility" to do so. One illustration is that your teacher anticipates you to complete your homework promptly and to the best of your ability.
What is your personal responsibility?Personal responsibility is the readiness to put up significant personal effort to live up to the standards that society sets for individual behavior as well as the importance of such norms.
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when a retailer's advertising message shows how its products fit in with the consumer's everyday style of living, the retailer is said to be using a(n) approach.
When a retailer's advertising message shows how its products fit in with the consumer's everyday style of living, the retailer is said to be using a lifestyle approach.
What exactly do you mean by advertising?
A marketing strategy known as advertising involves purchasing real estate to advertise a good, bad, or intangible idea. Ads, as they are commonly known, are the real advertising messaging. Reaching the demographics most likely to be interested in purchasing a company's goods or services is the aim of advertising.
The primary objective of advertising is to increase the number of consumers who purchase your goods. To do this, you can utilise advertising to persuade consumers that your product is excellent, practical, or attractive.
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which step in personal selling refers to identifying potential buyers who have the need, willingness, ability, and authority to buy?
Finding prospective customers who have the need, desire, capability, and authority to purchase qualified leads is referred to as personal selling.
A salesman will use personal selling, a face-to-face sales method, to influence a customer to purchase a certain product by utilizing the abilities of their audience. To convince the buyer that the purchase will only be beneficial, the salesperson emphasizes each of the product's distinctive qualities.
However, persuading a customer to buy a product isn't always the aim of personal selling. Businesses commonly employ this tactic to let customers know about new products.
The company promotes its products through personal interactions. Salespeople are better at presenting a product to a potential customer because selling requires a human touch. Personal selling can be done through retail channels or direct-to-consumer methods.
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profit-seeking multinational companies shift their production from countries with strong environmental standards to countries with weak standards, thus reducing their costs and increasing their profits. this phenomenon is called
Profit-seeking multinational companies shift their production from countries with strong environmental standards to countries with weak ones. This phenomenon is called race to the bottom.
The phrase "race to the bottom" describes a situation in which a corporation, state or country tries to undercut the prices of its rivals by compromising quality standards, worker safety or lowering labor expenses. Governments may engage in a race to the bottom in an effort to entice business or raise tax revenues. In an effort to draw investment, such as the construction of a new factory or corporate office, a jurisdiction could loosen rules or decrease taxes while compromising the interests of the general public.
Race to the bottom is a word used to describe unethical rivalry that has crossed ethical limits and may be harmful to the parties involved, even though there are appropriate ways to fight for financing and industry funds.
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true or false: any efforts to create first-time customers through social media posting will likely require some form of paid distribution to supplement free posting.
The answer is true. Craigslist can be an easy way to find a few customers when you're just starting out. You create an ad and post it in your area. This way, local businesses looking for help will find you and get in touch with you.
For business accounts, include things like post, brands, trailers, and product or service features. This way, based on your first post, customers will have a good idea of your brand or product and how they can buy it. Listening more shows that you are paying attention and makes the other person feel heard. As Ann Demarais, founder of First Impressions, points out, people always remember how you made them feel.
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what are the main positive and negative impacts of mergers? decreased market power and higher prices lower prices and more companies increased competition and higher costs lower costs and increased market power
The main positive and negative impacts of mergers are lower costs and increased market power.
Mergers can have both positive and negative impacts on a variety of stakeholders, including customers, employees, shareholders, and the broader economy. Some potential positive impacts of mergers include increased efficiency and cost savings, increased market power and competitiveness, and the ability to invest in new technologies and innovations.
Further, a company can have a larger market share and reduced competition in the industry. This can result in the company having more bargaining power and the ability to set prices at a higher level than would be possible if there were more competitors in the market, However, mergers can also have negative impacts, like reduced competition and higher prices for consumers, job losses, and decreased innovation. It's important to carefully consider the potential impacts of a merger before moving forward with the transaction.
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illegal acts by either employers or unions are called: a. discrimination complaints b. violation and resolve charges c. unfair labor practices d. representation charges
Illegal acts by either employers or unions are called unfair labor practices.
What are illegal acts?
Something that is illegal violates the law or the rules. These include activities including the creation and distribution of illicit commodities and fake goods, the creation of illicit services, the manufacturing of normally legal things that become illicit when produced by unlicensed producers, the theft and resale of illicit goods, bribery, extortion, and money. also known as illicit or illegal. It might be used to describe a criminal offense like assault, arson, or murder.
The term "illegal activity" refers to any activity that is prohibited by applicable legislation, including but not limited to major human rights abuses, transgressions of international humanitarian law, financing of conflicts, money laundering, tax evasion, bribery, etc.
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which is an invisible barrier based on the prejudicial beliefs that underlie organizational decisions that prevent women from moving beyond certain levels within a company?
The glass ceiling is an invisible barrier based on the prejudicial beliefs that underlie organizational decisions that prevent women from moving beyond certain levels within a company.
What is a glass ceiling?A glass ceiling refers to a metaphor usually applied to women, used to represent an invisible barrier that prevents a given demographic from rising beyond a certain level in a hierarchy. No matter how invisible the glass ceiling is expressed, it is a difficult obstacle to overcome. The metaphor was first used by feminists about barriers in the careers of high-achieving women.
It was coined by Marilyn Loden during a speech in 1978.
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government deficit spending is a good thing because it lowers the amount of taxes that need to be collected.
Government expenditure that increases deficits will eventually require more taxes to cover interest costs. On the other hand, when there is a surplus in the budget, taxes eventually need to be reduced.
What occurs when the federal government adopts a deficit spending strategy?In deficit spending, the government uses borrowed funds to pay for relief and other initiatives that are typically intended to enhance the general economy rather than increasing taxes.
Why is spending by the government beneficial?Spending is frequently thought of as a tool to increase economic growth through the Fiscal Multiplier. According to this multiplier, an increase in government spending causes some indicators of overall economic output, like GDP, to rise.
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In the absence of externalities, the perfectly competitive market maximizes economic surplus when?
In the absence of externalities, the perfectly competitive market maximizes economic surplus when The market is at equilibrium.
What is the perfectly competitive market?A perfect market, also known as an atomistic market, is defined by various idealizing conditions, which are together referred to as perfect competition, or atomistic competition, in economics, specifically general equilibrium theory.
According to economic theory, perfect competition arises when all businesses sell the same goods, market share has no bearing on prices, businesses can enter or quit the market without any obstacles, consumers have perfect or complete information, and businesses are unable to set prices. The typical farmers' market is possibly the most realistic illustration of ideal competition.
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bond p is a premium bond with a coupon of 7.2 percent, a ytm of 5.95 percent, and 15 years to maturity. bond d is a discount bond with a coupon of 7.2 percent, a ytm of 8.95 percent, and also has 15 years to maturity. if interest rates remain unchanged, what do you expect the price of these bonds to be 1 year from now? in 5 years? in 10 years? in 14 years? in 15 years? (do not round intermediate calculations. input all amounts as positive values. round your answers to 2 decimal places.)
The price of the bond P is $518.42 and bond D is $363.38
How do you calculate the bond price?Bond Price = ∑(C1(1 + YTM)1 + C15(1 + YTM)15 + P(1 + YTM)15)
=∑($1,000 × 7.2%( 1 + 0.0595)1) + ($1,000 × 7.2%(1 + 0.0595)15) + ($1,000(1 + 0.0595)15)
=$518.42
Bond Price = ∑(C1(1 + YTM)1 + C15(1 + YTM)15 + P(1 + YTM)15)
=∑($1,000 × 7.2%( 1 + 0.0895)1) + ($1,000 × 7.2%(1 + 0.0895)15) + ($1,000(1 + 0.0895)15)
=$363.38
What does "bond price" mean?The price of a bond is the amount that investors are willing to spend on an existing bond. The pricing of bonds are expressed as a percentage of face (par) value in the online offering table and statements you get. You're thinking about purchasing a business bond, for instance.
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a couple has decided to purchase a $200000 house using a down payment of $12000. they can amortize the balance at 11% over 20 years. a) what is their monthly payment? payment
A couple has decided to purchase a $200000 house using a down payment of $12000. they can amortize the balance at 11% over 20 years. Their monthly payment is $1962.403
The payment P is required to payoff a loan of V dollars borrowed for n payment periods of a rate of Interest i per payment period is :
[tex]P=V[\frac{i}{1-(1+i)^-^n}][/tex]
The loan is for $200,000 - $12,000 = $183,000
At i = 10/(100×12) = 0.00833 ≈ 0.0083%
for n = 15×12 = 180
P = 183,000 [ 0.0083/1-(1+0.0083)^-180 ]
P = 183,000 [ 0.0083/1-(1.0083)^-180 ]
P = 183,000 [0.0083/1-0.226]
P = $1962.40310077 ≈ $1962.403
Therefore, Their monthly payment is $1962.403
In order to maintain good standing with a credit card issuer, a borrower must make at least the minimum monthly payment on a revolving credit account each month.When compared to consumers who make more than the minimum payment each month, those who just make the minimum payment each month will end up paying more interest and taking longer to pay off their loans.As long as they are in good standing and have no delinquencies, revolving credit accounts let customers keep their balances open indefinitely.Learn more about Monthly payment, here
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When calculating cash flow, why is depreciation first subtracted but then added back in?a. Because it is not a real cash outflow but does create a tax deductible expenseb. Because it is an expense that can be immediately and fully deducted from the revenues of the firmc. Because it changes from negative to positive as the project moves forwardd. Because it serves to increase the amount of tax the firm will have to pay to the tax authoritiese. Because it has the unusual characteristic of switching signs in the middle of most projects
Depreciation is initially deducted from the cash flow calculation before being brought back because it doesn't actually result in a cash outflow but rather a tax deduction. The answer is (a).
Depreciation must be added back to net income to get the after-tax cash flow. Depreciation is a non-cash expense that simulates the loss of an asset's economic worth but does not include a cash outflow. It's easy. Depreciation is a non-cash item, hence it must be included in the operational activities portion of the cash flow statement along with other costs like amortization and depletion.
Depreciation is a non-cash expense that has been subtracted from revenue, so it must be added back to net income in order to calculate the cash flow from operations. Since depreciation is merely a continuous charge to a fixed asset's carrying value intended to lower the reported cost of the asset over its useful life, it is seen as a non-cash expense.
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Correct Question:
When calculating cash flow, why is depreciation first subtracted but then added back in?
a. Because it is not a real cash outflow but does create a tax deductible expense.
b. Because it is an expense that can be immediately and fully deducted from the revenues of the firm.
c. Because it changes from negative to positive as the project moves forward
d. Because it serves to increase the amount of tax the firm will have to pay to the tax authoritiese. Because it has the unusual characteristic of switching signs in the m
Match the best definition to the term
Answer: 1. fees - d
2. books and supplies - c
3. room and board - a
4. tuition - b
Explanation:
servers in restaurants typically get paid an hourly wage (from the company) plus tips (from various customers). this type of compensation plan would be a combination of
Servers in restaurants typically get paid an hourly wage (from the company) plus tips (from various customers). this type of compensation plan would be a combination of fixed-ratio and variable-interval reinforcement.
What is compensation?
The entire amount of cash and non-monetary benefits you provide an employee in exchange for the job they perform for your company is known as compensation. It's often one of the highest costs for companies that employ people. Compensation goes beyond a worker's usual paycheck. It also contains a wide variety of additional pay and perks.
You must pay your employees if you have any. Thus, you decide on an hourly wage or compensation. However, you may also pay your staff in various ways. If so, you must ascertain if those additional wages qualify as compensation. Why? A crucial step in creating your compensation packages is understanding what constitutes compensation.
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You are recognizing expenses for supplies used during a month. You started with $4,800 of supplies, debited the account $5,000 and now have a $2,100 balance. How much did you use?.
You started with $4,800 of supplies, debited the account $5,000 and now have a $2,100 balance. The amount of supplies you used is $7,700.
A debit is an accounting entry that either adds or decreases the value of an asset or expense account. In an accounting entry, it is to the left.
A credit is an accounting item that either adds or decreases the value of a liability or equity account. In an accounting entry, it is to the right.
In the given problem,
Started supplies (debit) = $4,800
Direct debit = $5,000
Balance = $2,100
Hence, the amount of supplies used is:
$4,800 + $5,000 - $2,100 = $7,700
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Rachel has drafted a plan for her firm that explicitly analyzes the marketing and advertising situation, identifies the objectives of the advertising campaign, clarifies a specific strategy for accomplishing those objectives, and indicates how the firm can assess whether the campaign was successful. this subsection of the firm’s overall marketing plan is called its?
Rachel has drafted a plan for her firm that explicitly analyzes the marketing and advertising situation. This subsection of the firm’s overall marketing plan is called its general marketing plan.
What is the meaning of a Marketing Plan?
An overall business strategy could include a marketing plan. A very well marketing plan must have a strong foundation in marketing strategy to fulfill its objectives. A marketing strategy may consist of a list of tasks, but without a solid strategic base, it provides little service to a company.
The strategy a business will employ to promote its products to clients is described in the marketing plan. The target market, the brand's or product's value proposition, the campaigns to launch, and the metrics to be applied to judge the success of marketing initiatives are all identified in the plan.
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A grill assembly takes 20 washers. instead of listing these washers separately, they are grouped into a single kit for production. how is the bill of material for the washers classified?
The bill of material for the washers classified as pseudo and planning as grill assembly takes 20 washers instead of listing these washers.
What does planning serve as a vehicle for?Setting goals and figuring out a plan of action to reach those goals is the responsibility of planning, a management function. It is necessary for managers to foresee future situations and be aware of current environmental factors affecting their firm.
In management, what does the term "planning" mean?To achieve the desired result, management planning is determining the measures to follow to get there, anticipating changes and obstacles, and figuring out how to make the most of available resources and possibilities.
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