If you have a 14-year annuity paying $353 quarterly in 12 years when interest is 3.34% compounded semi0annualy, what is the number of annuity payments? Treat the deferred annuity as an ordinary annuity with the first annuity payment at the 12-year mark.

Answers

Answer 1

First, let's figure out how many payments there will be during the course of the 14-year annuity. The two years of deferral are subtracted from the overall period since the annuity is deferred:

Total duration less the deferral period (14 years minus 2 years) equals 12 years. The interest rate must then be changed to its matching semi-annual rate. To convert an annual interest rate to a semi-annual rate, use the following formula:

Semi-annual interest rate is calculated as (1 plus Annual interest rate) (1/2) - 1.

Interest rate for a half-year is equal to (1 + 3.34%)(1/2) - 1 = 1.0167%, or 0.016167 in decimal form.

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Related Questions

In a free market system, the concept of consumer sovereignty means that.

Answers

The concept of sovereignty in a free market system means that consumers have the power to decide through their actions which goods and products will be produced.

Free market system

It corresponds to the independent and decentralized economic system where exchanges and negotiations between individuals and companies take place without government interference.

Therefore, in a free market system, it is impacted by the law of supply and demand, where the consumer regulates decisions through his actions.

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How can my gross pay increase,while my net pay stays the same?

Answers

Answer:

Extra pay and extra taxes.

Explanation:

You can get more money from either bonuses or raises. Usually, with more money, there's an IRS guy/woman at your front doorstep asking for more money for taxes.  The more money the higher the taxes, which sometimes can result in the same net pay. It is not common, but possible.

which is not a type of utilization management? gatekeepers prescription drug review case management pre-admission certification mandatory second surgical opinion

Answers

Gatekeepers, prescription drug review, case management, and pre-admission certification are types of utilization management, while mandatory second surgical opinion is not.

Utilization management is a process used by healthcare organizations to ensure the appropriate and efficient use of medical services. It involves various strategies and techniques aimed at controlling healthcare costs while maintaining quality care.

Among the options listed, gatekeepers, prescription drug review, case management, and pre-admission certification are all types of utilization management.

1. Gatekeepers: Gatekeepers are healthcare professionals, typically primary care physicians, who serve as the first point of contact for patients. They play a role in managing and coordinating access to specialty care and other medical services.

Their involvement helps ensure that patients receive necessary and appropriate care while avoiding unnecessary or duplicative services.

2. Prescription drug review: Prescription drug review is a utilization management strategy that involves assessing and managing the use of medications. It includes activities such as formulary management, prior authorization, step therapy, and medication therapy management.

The goal is to optimize medication utilization, promote cost-effective alternatives, and prevent misuse or overuse of drugs.

3. Case management: Case management is a comprehensive approach to coordinating and managing healthcare services for individuals with complex medical conditions.

It involves assessing patients' needs, developing care plans, coordinating services across different providers, and monitoring outcomes. Case management aims to improve patient outcomes, reduce costs, and enhance the overall quality of care.

4. Pre-admission certification: Pre-admission certification, also known as prior authorization, is a utilization management process that requires obtaining approval from a healthcare insurer before a planned medical service or procedure.

It ensures that the proposed treatment is medically necessary and cost-effective, preventing unnecessary procedures and controlling healthcare expenses.

On the other hand, a mandatory second surgical opinion is not a type of utilization management. While it may be a requirement in certain healthcare systems or for specific procedures, it does not fall under the umbrella of utilization management techniques.

Mandatory second surgical opinion is a policy or practice where patients are required to seek an additional opinion from another surgeon before undergoing certain surgeries.

It aims to provide patients with more information and reduce the potential risks associated with surgical interventions, but it is not directly related to the utilization management process.

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Normally, an analyst would believe that a garment company with a current ratio of 3 to 1 was in serious liquidity trouble
a. True
b. False

Answers

False A manufacturing business with a current ratio of 3 to 1 would often lead an analyst to conclude that it was experiencing severe liquidity issues. 13.

A company's long-term liquidity position is typically assessed using the acid test ratio. The primary purpose of the acid test ratio is to assess a company's long-term liquidity condition. 14. A quick ratio of 1.5 to 1 is typically regarded as satisfactory. 15. An indicator of both activity and liquidity is the accounts receivable turnover. Liquidity of a company is typically the financial analyst's top worry. 11. The working capital ratio is viewed as a key indicator of how liquid a company is. 12. Typically, a financial analyst would think that a manufacturer has a current ratio

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1. What is Ford's stock symbol?​

Answers

PRB  is the symbol for Ford preferred stock.

What is a stock symbol?

A stock symbol is a combination of letters or other symbols that is used to identify publicly traded securities on an exchange. When a corporation issues securities to the public market, it selects an available symbol for its shares; this symbol is frequently associated with the company name. There are many public corporations that trade on a global scale, and even more, tradable tickers are available to represent various kinds of shares.

In August 2021, there will be 7,754, 4,448, and 2,014 traded names on the NYSE, Nasdaq, and Shanghai Stock Exchange, the three largest stock exchanges by market capitalization. The stock markets utilize "Ticker Symbols," which are distinctive one- to five-letter codes, to uniquely identify companies. Historically, stock quotes were written on tickers, hence the name "ticker symbol."

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6) Identifying customers is a business process handled by the human resources function.
A) TRUE
B) FALSE

Answers

Identifying customers is a business process handled by the human resources function. This statement was false. Thus, option (b) is correct.

Typically, the marketing department of a business is in charge of identifying clients. In a company, the marketing function is normally in charge of consumer identification.

In order to build strategies through the creation of products, advertising, pricing, and distribution to suit the needs of clients, the marketing function must first identify and understand their needs and wants.

As a result, the significance of the customers is a business process handled by the human resources function are the aforementioned. Therefore, option (b) is correct.

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There are three clues labeled "daily double" on the game show Jeopardy. If three equally matched contenders play, what is the probability that: a. A single contestant finds all three "daily doubles"? b. The returning champion gets all three of the "daily doubles"? c. Each of the players selects precisely one of the "daily doubles"?

Answers

Answer:

a)  0.0358

b)  0.0395

c)  0.1506

Explanation:

Number of clues "daily doubles" = 3

Determine the probabilities

a) P(single contestant finds all three )

assuming event A= a returning champion gets the "daily double" in first trial

P(A) = 1/30 , P(~A) = 29/30              

assuming event B = any player picks up "daily double" after the first move

P(B |~A ) = 1/3

hence : P ( B and ~A ) = 29/30 * 1/3 = 29/90

considering second round

P(player chooses both daily doubles ) = 1/3 * 1/3 = 1/9

∴ P(single contestant finds all three )  = 29/90 * 1/9 = 0.0358

B) P ( returning champion gets all three )

= (1/30 + 29/90 )* 1/9

= 32 / 810 = 0.0395

c) P ( each player selects only one )

P = 32/405 + 29/405

  = 61 / 405 = 0.1506

o tell an audience a story about a data set, it is best to use a

Answers

an audience a story about a data set, it is best to use a Communicating Across Contexts.

How big is the data set?

A data set is a collection of related, discrete pieces of related data that can be accessed separately, in combination, or handled as a single unit. One or more types of data structures are used to arrange a data set. A collection of data is known as a data set. When dealing with tabular data, a data set is equivalent to one or more database tables, where each row refers to a specific record of the data set in question and each column represents a specific variable.

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What is a unique feature of your product or service? a pharmacy

Answers

Explanation:

u do D farma if yes its helpfull for u

an employee can be dismissed if their job surplus to requirements' outline why this state ment is false

Answers

Hiring labour is different from buying other goods and services, and the contract between the employer and the employee is incomplete. It does not cover what the employer really cares about, which is how hard and well the employee works.

Adjusting Entries are used by
which of the following
accounting methods?
A. Generally Accepted Accounting Principles
B. Universal Accounting Practices
C. American Accounting Methods
D. All of the Above

Adjusting Entries are used bywhich of the followingaccounting methods?A. Generally Accepted Accounting

Answers

Answer:

accrual accounting method

Answer:A. Generally Accepted Accounting Principles. I hope this helps

Explanation:

The correct answer is A. Generally Accepted Accounting Principles, as this is a widely recognized set of accounting rules and standards that are used in the United States. B and C are not commonly recognized accounting methods.

When using the High Rate method to pay down debt, which debt do you focus on first after you have made all of your minimum monthly payments? a The card with the lowest interest rate b The card with the highest interest rate c The card with the highest balance d The card with the lowest balance

Answers

When using the High-Rate method to pay down debt, you should focus on the debt with the highest interest rate first, after making all of your minimum monthly payments.

What is debt?

Debt refers to amount of money that an individual, company, or government owes to another entity. It is a form of borrowing that involves receiving funds from a lender with the expectation of repaying it at a later date with interest. Debt can take many forms, such as loans, credit card balances, mortgages, and bonds. It is typically used to finance investments or expenditures that an entity cannot afford to pay for outright. While debt can be useful in providing financial flexibility and allowing for the realization of long-term goals, it can also be a burden if the borrower is unable to meet the repayment obligations, leading to financial difficulties and potential legal consequences.

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1. Which one of the following strategies will result in your paying NO interest to the credit card company?

Paying the minimum monthly payment due each billing cycle

Paying the entire credit card bill in full by the end of each calendar year

Paying off your entire balance every month by the due date

Only using your credit card for purchases, not for withdrawals from the ATM​

Answers

One of the following strategies will result in your paying NO interest to the credit card company is paying off your entire balance every month by the due date.

What is a credit card?

Credit cards provide you with a line of credit that you can use for purchases, debt transfers, and/or cash advances, with the requirement that you repay the loan amount over time.

When using a credit card, you must make at least the minimum payment on the debt each month by the due date.

Thus, the correct option is C, paying off your entire balance every month by the due date.

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explain the relationship between occupation and education with example

Answers

Answer:

People who do not qualify for a particular job are given education through training in order to gain the needed knowledge for that particular job. As students, we go to school in order to be educated for future jobs. Good education on a job gives a better understanding and this brings out an excellent delivery of work.

Explanation:

More consistent and extended education leads to more job opportunities, increased income, and the ability to change one's economic status. Education has not only a connection to sanitation and hygiene elements in informal settlements but also to general career development.

1. How does your credit score impact the personal loan options you have
available?

Answers

Answer:

idek

Explanation:

What is the medium of exchange?

Answers

Answer:

"an intermediary instrument or system used to facilitate the sale, purchase, or trade of goods between parties" but in my own words it is the price of a menimum wage between 2 or more people

Answer:

the medium of exchange is an instrument used for the facilitating of sale, purchase, or trading goods between parties.

Explanation:

some example(s) of medium exchange is currency.

what do i say to "tell me about yourself" in a job interview

(20 pts)

Answers

Answer:

1- Mention past experiences and proven successes as they relate to the position. ...

2- Consider how your current job relates to the job you're applying for. ...

3- Focus on strengths and abilities that you can support with examples. ...

4- Highlight your personality to break the ice.

Explanation:

As hard as this question is, the easiest way to answer is to talk about the past present and future.

Present: Talk a little bit about what your current role is, the seope of it, and perhaps a
big recent accomplishment.

- Past: Tell the interviewer how you got there and/or mention previous experience that's
relevant to the job and company you're applying for.

• Future: Segue into what you're looking to do next and why you're interested in this gig
(and a great fit for it, too).

Someone who creates attractive presentations of food dishes for magazines is called which of the following?
a. food stylist
b. research chef
c. personal chef
d. food preparation worker

Answers

Answer:A

Explanation:

What can give working people information about their fields, including conferences and leadership opportunities in those fields?

an extracurricular activity
a career and technical student organization
a professional organization
a cocurricular activity

Answers

Answer:

a professional organization

Explanation:

A professional organization is formed to promote the growth of the profession and advance the interest of people working in that profession.

A professional organization is also known as a professional association. It facilitates communication and connection among its professionals. It supports innovations and creativity that help develop and grow the profession. Through their regular meeting, members of a profession share information on the trending issues, opportunities, and challenges affecting the profession.

Answer:

C

Explanation:

which of the following is consistent with the circular flow of income? i. goods and services flow in one direction. ii. payments and incomes flow in one direction. iii. sellers receive less than what buyers spend. a. iii only b. both i and ii
c. ii only d. i only

Answers

The following is consistent with the circular flow of income: goods and services flow in one direction and payments and incomes flow in one direction. So, both i and ii are consistent with the circular flow of income.

A circular flow of income is a macroeconomic model that depicts how income flows within an economy between businesses and individuals, households and firms, and production and consumption. This can be achieved by calculating national income, which equals the value of all of a country's goods and services produced in a given period of time.

To sustain economic growth, the circular flow of income must continue indefinitely, and the economy must be in a state of equilibrium. To maintain the equilibrium state, households and companies must balance the flow of goods, services, and money with an equal flow of expenditure and income. So, both i and ii are consistent with the circular flow of income.

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An increase in aggregate demand will generate _____ in real gdp and _____ in the price level in the short run.

Answers

Answer:

high revenue of the company or high income of the citizens

Explanation:

marco nelson opened a frame shop and completed these transactions: sold custom frames and immediately collected $41,300 cash for the sale. purchased $200 of office supplies on credit. paid $2,500 cash for the receptionist's salary. sold a custom frame service and collected $5,800 cash on the sale. completed framing services and billed the client $330. what was the balance of the cash account after these transactions were posted? multiple choice $10,800. $11,130. $44,600. $44,730. $44,930.

Answers

The balance of the cash account after these transactions were posted is $44,400.

To determine the balance of the cash account after the transactions, we need to calculate the total inflows and outflows of cash.

Cash inflows:

- Sold custom frames and collected $41,300 cash.

- Sold custom frame service and collected $5,800 cash.

Total cash inflows = $41,300 + $5,800 = $47,100

Cash outflows:

- Paid $2,500 cash for the receptionist's salary.

- Purchased $200 of office supplies on credit.

Total cash outflows = $2,500 + $200 = $2,700

To calculate the balance of the cash account, we subtract the total cash outflows from the total cash inflows:

Balance of the cash account = Total cash inflows - Total cash outflows

                          = $47,100 - $2,700

                          = $44,400

Therefore, the balance of the cash account after these transactions were posted is $44,400.

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PLZ help
Why must people make choices about which goods to produce and consume? Select three options.

Consumption is difficult.
Resources are limited.
Production requires resources.
Everyone wants or needs goods.
Not enough people are producers.

Answers

Answer:

Resources are limited.

Production requires resources.

Everyone wants or needs goods.

Explanation:

Different regions provide different resources that people can use for their business. People in that region need to understand the type of resources that are available for them and produce the goods that can be sustained by the available resource.

This scarcity means that acquiring resources require a certain amount of capital. Since people do not unlimited capital, they have to be picky with their consumption/production to ensure the ones with highest priority are fulfilled first.

On top of that, everyone wants or needs goods. Meaning that in order to obtain a certain resources, people will have to face competition. As the competition become more fierce, the sacrifice that is needed to obtain a certain product is increased. This is also why they have to watch out which product they should choose to consume.

Answer:B,C,D

Explanation:

chapter 13 victoria is the daytime supervisor for an automobile assembly line. she supervises 40 workers who perform specialized jobs that require moderate training. which of the following statements would indicate that victoria is following the path-goal model of leadership? group of answer choices victoria wants to develop a partnership with her team illustrated by reciprocal influence, mutual trust, respect and liking, and a sense of common fates. victoria has a certain idea about how she should behave as a leader and what she should do for her team of workers. victoria does not feel like taking responsibility for leading her team since their jobs require more than minimal training. victoria's leadership skills are most effective when applied to match the characteristics of the situation at hand. victoria likes to provide the guidance and support needed by employees and ties meaningful rewards to accomplishment of objectives.

Answers

Victoria is following the path-goal model of leadership if she likes to provide the guidance and support needed by employees and ties meaningful rewards to accomplishment of objectives.

This is one of the statements from the options that indicate Victoria is following the path-goal model of leadership.The path-goal theory of leadership is a model that suggests that leaders should provide the support and guidance their subordinates require to accomplish goals. Path-goal theory claims that a leader's leadership style is influenced by the subordinates' requirements and the environmental variables that affect their behavior.

The path-goal model of leadership is an extension of the expectancy theory of motivation, which suggests that employees' behavior is determined by the strength of their expectancy that increased effort will result in better performance and that better performance will result in the desired reward. Leaders can inspire their subordinates and help them reach their objectives by using the path-goal model of leadership.Victoria is a daytime supervisor for an automobile assembly line.

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which of these transactions types increase how much you owe the credit card company

Answers

Answer:

hope it is helpful to you

which of these transactions types increase how much you owe the credit card company

5. Which type of negotiators are viewed as uncultured, ill-mannered and threatening? A. Blue negotiators B. Aggressive negotiators C. Red negotiators D. Purple negotiators 6. Which of the following factors, does not lead to negotiation breakdown? A. The negotiation parties B. Conflicting objectives C. Communication channels D. Role reversal 7. What is the reason for the importance of culture in global negotiations? A. Due to cultural diversity B. Culture is groupthink mentality C. The cultural control of the community D. Culture divides the society 8. Which of the following represents intergroup conflict? A. Disagreement between husband and wife B. Misunderstanding between subordinate and boss C. Feud between two families D. Clash between co-workers 9. The ultimate goal of the collective bargaining process is ________________. A. Agreement B. BATNA C. Strike D. Lockout 10. Which category of communication challenge occurs when negotiating parties speak different language and belong to different cultures? A. The problem of misunderstanding B. Absence of dialogue between negotiators C. The problem of hearing the speaker D. Hostility and suspicion of one another

Answers

5. Aggressive negotiators are viewed as uncultured, ill-mannered, and threatening negotiators. Aggressive negotiators use high-pressure tactics, ultimatums, and threats to gain an advantage in the negotiation process.

6. Communication channels do not lead to negotiation breakdown. Communication channels play an important role in the negotiation process as negotiators need to communicate clearly and effectively to achieve a mutually satisfactory outcome.

7. The reason for the importance of culture in global negotiations is due to cultural diversity. Different cultures have different values, beliefs, and behaviors, which can create misunderstandings and miscommunication in the negotiation process. Understanding and respecting cultural differences is important for building trust and achieving successful outcomes in global negotiations.

8. Feud between two families represents intergroup conflict. Intergroup conflict refers to a conflict that occurs between two or more groups, such as families, organizations, or nations.

9. The ultimate goal of the collective bargaining process is agreement. Collective bargaining is a negotiation process between an employer and a group of employees to determine the terms and conditions of employment. The goal of collective bargaining is to achieve a mutually acceptable agreement that benefits both parties.10. The category of communication challenge that occurs when negotiating parties speak different languages and belong to different cultures is the problem of misunderstanding.

Misunderstandings can occur when negotiating parties have different language skills, use different terminology, or have different cultural norms and values. Understanding and respecting cultural differences is important for avoiding misunderstandings and achieving successful outcomes in the negotiation process.

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michelle works in retail and cant decide what products to include in the stores front window display what is the first step she should take to solve this problem

Answers

Michelle works in retail and can't decide what products to include in the store's front window display. What is the first step she should take to solve this problem?

A. List the options.

B. Evaluate the decision/choice.

C. State the problem.

D. Determine the pros and cons.

Answer:

C. State the problem.

Explanation:

To start with, Michelle must remember why he wants to put the product on the front window display. Next, he has to remember what he gains from displaying the products which are to advertise to potential customers.By stating this problem, Michelle now knows what products to include in the front window display because he can now sort the products that are likely to attract customers and display them.

a shipping company needs to hire new people to fill a variety of positions in its warehouse and distribution center. some common qualifications these employees possess include

Answers

Answer:

1. Strong organizational skills

2. Ability to lift and move heavy items

3. Experience working in a warehouse or distribution center

4. Knowledge of safety protocols

5. Knowledge of inventory management systems

6. Ability to work independently and as part of a team

7. Ability to use computer systems, such as Microsoft Office

8. Ability to follow instructions and work in a fast-paced environment

9. Good communication and interpersonal skills

10. Attention to detail

Explanation:

premiums on standard annual renewable term life will generally increase as the policyholder ages. true false

Answers

The statement is False.

The required details about Premium is mentioned in below paragraph.

Premium has numerous meanings in finance. Most commonly, it refers to: Generically, a protection buying and selling above its intrinsic or theoretical fee is buying and selling at a top rate (in comparison to a discount). The distinction among the charge paid for a fixed-earnings protection and the protection's face quantity at trouble is called a top rate if that charge is better than par.

The buy charge of an coverage policy or the ordinary bills required through an insurer to offer insurance for a described length of time.

The general fee to shop for an option contract (regularly synonymous with its marketplace charge).

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3. ______ are defined as goods or services that are required for health and safety.

Answers

Occupational Health and Safety are defined as goods or services that are required for health and safety. Information standards are guidelines governing the information that must be provided to consumers when they purchase specific goods.

What is the safety of goods?

A safe product is one that delivers either no risk or a minimum tolerable level of risk, taking into account the product's typical or reasonably foreseeable use and the need to maintain a high level of consumer protection.

Occupational health and safety is a multidisciplinary discipline that deals with all elements of workplace health and safety, with a heavy emphasis on preventing workplace dangers.

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3. What are 3 major differences between bacterial pathogens and viral pathogens? Describe two problems that divided government poses for the president in making federal appointments Which expression is equivalent to sin(84)cos(43) + cos(84)sin(439)? 1kg = 1000 g3 oz.=85 g 11 lbs. = 5 kg4 kg = 141 oz.Determine the approximate value of each quantity. Suppose that the demand function of a certain good is given as p = 150 - 0,6q, where p is the unit price and q is the number of units produced. The total fixed cost associated with producing the R600 and for each unit produced the company incurs a cost of R9. Determine the level of output g for which the p maximised and corresponding profit. Choose the correct answer: a. q = 110 and profit = R1 500 b.q = 90 and profit = R2 350 c. q = 117,5 and profit = R7 684 d.q = 110 and profit = R2 220 What were the exodus and diaspora Find the value that makes the ratios equal. 63, 8 to 7 what yalls fav juice wrld song mine is come and go, and bandit 1) List 3 skills cells must be able to perform. \{1 , (2) (3) 2) Define EUKARYOTE. 3) Name 4 types of eukaryotic life. (1 (2) (3) (4) Is it possible for a country to gain from trade even when it has lower productivity than its trading partner in the production of all goods? Is it possible for a country to gain from trading with a country that has much lower wages than it does itself? Use numerical examples to explain your answers to these questions. Todd orders pictures from a photographer. Each picture costs $7.50. A one-time shipping fee of $3.25 is added to the cost of the order. The total cost of Todd's order before tax is $85.75. Write and solve an equation to find, p, the number of pictures Todd ordered. Jim earns money doing yard work each week During three weeks he earned a total of $168 if each week his earnings doubled how much did he make each week Which function below has the following domain and range?Domain: {-9, - 5, 2, 6, 10}Range: { -2, 0, 8}O {(-9, 10), (-2,8)}O ((-9, -2), ( 5, 0), (2, 8), (6, 5), (10, 9))}O ((-2,-5), (8, 10), (0, 6), (-2, -9), (0, 2)}O {(2,0), (-5, -2), (10, 8), (6, 0), (-9, -2)} Which sentence uses the word brazen correctly? If the thieves were more careful and not so brazen, they may never have been caught. The brazen pond was dotted with ice skaters enjoying the first sunny day in weeks. We were brazen in our attempt to finish our chores early and ended up taking even longer than usual The brazen firefighter climbed the tree in the middle of a thunderstorm to save the frightened kitten What is 4/5 1/3? The quotient is 2 and Please help me I need this ASAP PLEASE HELP ME 87. Canadian companies must increasingly compete in a global market and a fast-changing environment, which in turn makes training an important part of organizational strategy. True False technically all of the following types of employers can be cited by osha exceptO abating employerO fall protection (subpart M)O weight Natural selection Group of answer choices was first conceived of by Gregor Mendel is a source of variation is progressive in nature refers to the selection of desired traits by animal breeders none of the above In October 2022. California started to issue Middle Class Tax Relief checks to California residents to help fight inflation. Suppose you receive a $350 check. a. You decide to store the $350 in cash under your mattress. If inflation is 8%, what will be the real value of that cash after one year under the mattress? b. If the nominal interest rate for a typical savings account is 1%, how much would the $350 be worth if you kept it in a savings account for 1 year? c. How much money did you lose by not depositing the money at the bank? d. Should you ever store your money under the mattress?