Answer:
We have the comparison below
Explanation:
                                                      1          2           3
Expenses for the year 20000    27000      34000
PVIF at 12%                       0.89286   0.79719      0.71178
PV of expenses                  17857    21524       24201
Cumulative PV of expenses 17857	39381	63582
EOY MV                                        -1000	-1750	-2500
PV of MV                                  -893	-1395	-1779
Total PW (4000+ PV of expenses - PV of MV) 22750   44776    69361
P/A                                            0.89286	1.69005	2.40183
EUAC                                     	25480	26494	28879
 
        
             
        
        
        
Answer:
Credit unions 
Explanation:
offer higher savings rates and lower interest rates on loans
 
        
                    
             
        
        
        
Answer:
C. Personal selling
Explanation:
In personal selling, a sales representative engages the customer on a one-one conversation in an attempt to persuade them to buy a product or service. The sales person makes us of his or her skill, experience, and abilities to convince the buy the goods or services. Personal selling is also known as face-face selling. 
Personal selling requires a sale representative to have good interpersonal skills.  The salesperson will point out at the salient features and benefits in a bid to convince the customer that the product will add value to them. The customers seek as much information as they desire and gets the opportunity to negotiate for better prices.
 
        
             
        
        
        
Answer:
$735 billion
Explanation:
Calculation to determine the national saving
Using this formula
National saving =Gross domestic product-Consumption expenditure-Government expenditure 
Let plug in the formula
National saving=$2,450 billion-$1,390 billion- $325 billion
National saving=$735 billion
Therefore the national saving is $735 billion
 
        
             
        
        
        
Answer:
Following are the organizational characteristics that explain the 100-year longevity of a company:
Explanation:
Selling Necessity Goods 
Many of companies provide such goods and services which are essential for our everyday activities. Hence, people tend to buy from these companies as it is their routine to do so.
Laser-Sharp Customer Focus
These companies have always focused on the ever changing needs and demands of the customers and have worked accordingly.  Hence their focus on customer service is the key to their success.
Willingness to Chart New Territory
Since customer needs are always evolving, all organizations celebrating centennials have taken significant gambles in order to expand their offerings.  Steelcase, for instance, began as a furniture company but has recognized that the way people work has changed.  
Ongoing Community Relationships
Long-lasting organizations also make their mark by giving back to the communities in which they’ve thrived. The GSUSA estimates that its members complete more than 75 million hours of community service annually.  
These organizations have achieved so much because they have adapted their strategies to a changing world, and because they are always looking for ways to improve people’s lives.  It is these traits that position them well no matter what the future holds.