Answer:
Several low-risk portfolios With the higher returns:
- Municipal Bonds.
- Credit Card Rewards.
- Annuities.
- Savings Bonds.
- Cash Value Life Insurance.
- Bank Bonuses.
Explanation:
- Municipal Bonds: Municipal bonds are loans made to local authorities by the creditors. Cities, territories, districts, or other municipalities.
- Credit card rewards: Point incentives are given based on each amount you invest-one point per dollar, for example. Usually, points can be exchanged for products in the online shopping store of the incentive scheme.
- Annuities: Annuities are insurance contracts that pledge either instantly or in the future to pay you a steady income. You may purchase a lump sum annuity or a sequence of installments.
- Saving bonds: Savings Bonds are US circulated treasury tools. Treasury Department to help pay for the spending requirements of the U.S. government. They are priced at face value.
- Cash-value life insurance: Cash value protection is long term life insurance since it provides cover for the existence of the policyholder. Cash value insurance historically has lower premiums than term life insurance because of the cash value factor.
- Bank Bonuses: Bank rewards are monetary incentives anytime you opening a new deposit or checking account. You would have to set up paper checks with the bank to hold the profile up for at least a couple of years to apply for this one-time bonus.
Answer:
b) increase; fall; rises
Explanation:
Federal budget comes from tax revenues and was drained by transfer payments.
In a recession, firms go out of businesses and people don't spend much. There will be less tax on goods and firms' profits. On the other hand, more people become unemployed and become entitled to receiving transfer payments.
If a customer purchases Charmin bath tissue at a price that is higher but of the same quality as a generic brand, Charmin has established brand equity with the customer.
What does "brand equity" entail?
A marketing term for a brand's value is "brand equity."Consumer experiences and perceptions of the brand determine that value.Positive brand equity indicates that people value a brand.
What is a brand when multiple products are sold under the same name?
Umbrella branding, also known as family branding, is a marketing strategy in which a single brand name is used to sell two or more products that are related to one another.Companies with positive brand equity (the value of a brand in a particular market) typically employ umbrella branding.
Learn more about brand equity here:
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Answer:
Living most of his life in Britain during the Industrialization period, Karl Marx noted that the only party who is benefiting from capitalism is Bourgeoisie (Those who own means of productions) not the Proletariat (workers who sell their labor for wages) as he looked at the society which was in contradiction, that is " In the country so rich, how could so many people be so poor ". He in that context blamed capitalism for creating alienation.
Explanation:
He defined Alienation as '<em>the experience of isolation and misery resulting from powerlessness</em>'. Further, Karl Marx also noted that Proletariat (workers) are nothing more than a source of labor to the capitalist as they can be fired and hired at the will of those capitalists. And said that Capitalism has also made human a machine as they cannot learn much from it because they do sets of repeating similar tasks every day as from day 1 which is also nowadays referred to specialization (getting good at one skill) and results in dissatisfaction of workers and increase their powerlessness (the feeling that they have little or no control over their situation).
There are 4 types of alienation resulted from capitalism.
- Alienation from products of work: Marx argued that as more efforts a worker put in manufacturing the particular product the more he gets away from it because the product which these workers produce doesn't belong to them they belong to the people who own the resources i.e Capitalists and they sell it to gain profit.
- Alienation from other workers: Since specialization has created a never-ending cycle of doing the same tasks everyday workers engage in them so deeply that they don't even realize that someone else is working as well in the same field. Workers don't have a sincere bond between them. A good example of this would a big factory where there are many departments and the worker of the marketing department doesn't get to know the worker in the management department.
- Alienation from human potential: As stated in the first paragraph that capitalism ruins the Gains of the job ( Learning, enjoying, satisfaction ) so the worker doesn't relate to it or is satisfied with it rather he is just fulfilling the requirement of the capitalist i-e producing. In result, he doesn't care for his health or just feels exhausted while trying hard to earn personal and little incentives.
- Alienation from the act of working: Since workers don't have any say in how to make, what to make, they are not satisfied with the way what they work and have become machines.
Answer:
The net present value (NPV) is the most important and useful method of capital budgeting analysis. It is basically calculated by determining the present value of all the future cash flows generated by a project and then subtract the original investment cost. If the answer is positive (positive NPV) then the project should be profitable and the company should go ahead with it. The limitation of NPV results from the discount rate used to calculate the present value, since it is extremely important to use the proper discount rate and not one that is too low or too high.
The second most useful tool is the internal rate of return (IRR) which is very related to the NPV. The IRR shows us basically at what discount rate the NPV would equal 0. Generally if the IRR is higher than the discount rate the NPV should be positive.
The payback period shows us how much time it takes a project to recover the original amount of money invested in it. The payback period is only useful for some industries where early obsolescence might be a problem. E.g. technological firms only approve projects with very short payback periods because their products might be obsolete in just one or two years.
