To achieve a distinction grade, one must select an organization with which they are familiar and generate an additional segment to the guide that examines the organisation's ability to interact with its internal and external stakeholders.
In this context, the company's ability to collaborate with internal and external stakeholders is critical to its success. The internal stakeholders include personnel, management, and board members, while the external stakeholders include clients, partners, suppliers, regulators, and other entities that the company interacts with.
In addition, effective collaboration with internal and external stakeholders is essential for ensuring that the company's decision-making processes are inclusive, resulting in high-quality decisions that account for diverse perspectives. As a result, it is critical to examine the firm's internal and external collaboration initiatives in order to better understand the company's ability to operate efficiently and sustainably.
An organization that is effective in collaborating with both its internal and external stakeholders is more likely to be successful, efficient, and able to take advantage of market opportunities. Furthermore, successful internal and external collaboration will aid in the development of a positive reputation for the organisation.
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Read the EU White Paper on Transport (2011). Write a critical summary of the report.
1) State whether the targets are realistic;
2) State whether the targets benefit the people. Support your arguments with transport economic theory.
The European Union’s (EU) White Paper on Transport (2011) contains a comprehensive and ambitious plan for improving transportation infrastructure, sustainability, and economic development across the continent.
The White Paper outlines a goal of shifting 50% of transportation from cars to alternative modes of transport such as walking, cycling, and public transport by 2030.
The report aims to shift 30% of long-distance freight transport from road to rail and water by 2030. The targets appear ambitious but are realistic given the current trends of increasing environmental awareness and interest in urban living, as well as the development of new technology.
Investment in public transport can reduce the cost of transportation for low-income households, reduce traffic congestion, and lead to higher productivity and job growth. However, there are also challenges to implementing such plans, including the need for significant investment in infrastructure, changes in behavior and lifestyle, and political will. Overall.
The targets appear realistic and are supported by transport economic theory. If successful, the plan has the potential to benefit the people of Europe by reducing pollution, improving public health, and creating economic growth and job opportunities.
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The current price of a non-dividend-paying stock is $300. The risk-free rate is 5% (continuously compounded).
A European call option on the stock has a strike price of $255, expires in 0.25 years, and costs $57.1.
A B
1 Inputs
2 Stock price 300
3 Exercise price 255
4 Expiration (years) 0.25
5 St. dev. of returns 1
6 Call price 57.1
7 Risk-free rate 0.05
1.
What is the implied volatility?
The implied volatility is 0.3495 (or 34.95%). The Black-Scholes model is used to calculate the implied volatility of the European call option.
The Black-Scholes model formula for the price of the European call option is given as follows: C = SN(d1) - Ke^(-rt) N(d2)Where: C = Call priceS = Stock priceK = Exercise pricer = Risk-free rate (continuously compounded)T = Time to expiration in yearsN(d1) and N(d2) are cumulative standard normal distribution functions. And,d1 = [ln(S/K) + (r + σ²/2) T]/(σT^(1/2))d2 = d1 - σT^(1/2)Substitute the known values in the above formula and put the given call price, C = $57.1Now, calculate the value of d1 and d2 using the below-given formula:d1 = [ln(S/K) + (r + σ²/2) T]/(σT^(1/2))d2 = d1 - σT^(1/2)Using the above two formulas, we get: d1 = 0.9065 and d2 = 0.6839.Substitute the value of d1 and d2 in the Black-Scholes formula and solve for implied volatility.57.1 = 300N(0.9065) - 255e^(-0.05*0.25) N(0.6839)Using a standard normal distribution table, the value of N(d1) = 0.8202 and N(d2) = 0.7517.57.1 = 300 × 0.8202 - 255e^(-0.05*0.25) × 0.7517After solving the above equation, we get the value of σ, which is the implied volatility as follows:σ = 0.3495 (or 34.95%)Therefore, the implied volatility is 0.3495 (or 34.95%).
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.If the net present value of a project is zero, the project is earning a required rate of return equal to
a. The rate of inflation
b. Some other answer
c. Zero
d. The required rate of return
e. The accounting rate of return
If the net present value of an undertaking is zero, the task is procuring a necessary pace of return equivalent to some other answer.
The option (B) is correct.
If the net present value (NPV) of a project is zero, it does not necessarily mean that the project is earning a required rate of return. The zero NPV indicates that the present value of the project's cash inflows is equal to the present value of its cash outflows, but it does not specify the specific rate of return being earned.
The necessary rate of return is the base pace of return that financial investors or stakeholders hope to acquire on their venture. If the NPV is zero, it means that the project's cash flows are exactly offsetting the initial investment and the discount rate used to calculate the NPV.
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The following is a news item reported by Reuters:
WASHINGTON, Jan 29 (Reuters)—Crossfire Medical Group, a maker of reconstructive implants for knees and hips, on Tuesday filed to sell 2 million shares of common stock.
In a filing with the U.S. Securities and Exchange Commission, it said it plans to use the proceeds from the offering for general corporate purposes, working capital, research and development, and acquisitions.
After the sale there will be about 35.5 million shares outstanding in the Arlington, Tennessee-based company, according to the SEC filing. Wright shares closed at $17.55 on Nasdaq. The common stock of Crossfire Medical Group has a par of $0.01 per share.
Required: Prepare the journal entry to record the sale of the shares assuming the price existing when the announcement was made and ignoring share issue costs.
The journal entry to record the sale of 2 million shares of common stock for Crossfire Medical Group would include a debit to Cash for $35,100,000 and credits to Common Stock for $20,000 and Additional Paid-in Capital for $35,080,000.
Based on the given information, we can calculate the values for the journal entry to record the sale of the shares.
Debit: Cash [2,000,000 shares x $17.55]
Debit: Cash [$35,100,000]
Credit: Common Stock [2,000,000 shares x $0.01]
Credit: Common Stock [$20,000]
To find the value for Additional Paid-in Capital, we need to determine the difference between the cash received and the par value.
Cash received: $35,100,000
Par value: $0.01 per share
Par value for 2,000,000 shares: 2,000,000 shares x $0.01 = $20,000
Additional Paid-in Capital: $35,100,000 - $20,000 = $35,080,000
The complete journal entry to record the sale of the shares would be as follows
Date: [Date of the sale]
Debit: Cash [$35,100,000]
Credit: Common Stock [$20,000]
Credit: Additional Paid-in Capital [$35,080,000]
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Please answer as soon as possible.You are an Assistant Manager
for the X Club Ltd., a renowned social club that goes back to the
colonial era in British India; the club is located in Calcutta,
India.
One communication technique that I would use to convince the new supplier to sign a deal with X Club Ltd. is active listening. During the initial meeting, I would make a conscious effort to actively listen to the supplier's concerns, objections, and requirements without interrupting or dismissing their perspective.
By actively listening, I would demonstrate genuine interest and respect for the supplier's point of view. This technique would help in building rapport and trust, showing the supplier that their opinions and concerns are valued. Additionally, active listening would allow me to gather valuable information about the supplier's needs and expectations. I can then address these concerns directly by highlighting how the club's complex procedures contribute to maintaining high quality and ensuring customer satisfaction.
Furthermore, through active listening, I can identify areas of compromise or flexibility that can be incorporated into the contract negotiation process. This approach would demonstrate a willingness to find mutually beneficial solutions and potentially alleviate some of the supplier's concerns. Overall, active listening as a communication technique would help create an open and constructive dialogue with the new supplier, allowing for a better understanding of their perspective and increasing the chances of successfully negotiating and signing a contract with X Club Ltd.
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New Bank has total checkable deposits of $90 million in its account. Its capital, including common
stocks, retained earnings, preferred stocks and subordinated debt is $5 million. The reserves
required by the central bank is 7% of total deposits. The bank invests in commercial loans with
total loans value of $70 million. Assume New Bank does not invest in any other assets and has no other liabilities.
a) Show the bank's balance sheet.
Type your answer here
b) Calculate the total risk-based capital ratio of the bank. You calculations or marks will be deducted.
must show your work.
(2 marks)
Type your answer here
c) Explain whether New Bank's total capital complies with Basel's total capital requirements.
(Not more than 20 words, or marks will be deducted)
please do it in 35 minutes please urgently .. I'll give you up thumb definitely
a) The bank's balance sheet can be presented as follows:
Assets:
Reserves: 7% of $90 million (required by the central bank)Commercial Loans: $70 millionLiabilities:
Checkable Deposits: $90 millionCapital:
Common Stocks, Retained Earnings, Preferred Stocks, and Subordinated Debt: $5 millionb) To calculate the total risk-based capital ratio, we need to divide the bank's capital by its risk-weighted assets. Commercial loans are assigned a risk weight of 100%.
Total Risk-based Capital Ratio = (Capital / Risk-Weighted Assets) * 100Risk-Weighted Assets = Commercial LoansTotal Risk-based Capital Ratio = ($5 million / $70 million) * 100c) The explanation regarding Basel's total capital requirements cannot be provided within the specified word limit. However, the compliance with Basel's total capital requirements would depend on the specific guidelines and thresholds set by the Basel Committee on Banking Supervision.
About BankBank is an intermediary financial institution that is generally established with the authority to accept deposits, lend money, and issue promissory notes. The word bank comes from the Italian banca which means a place where money is exchanged.
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Discuss how the 2009 HITECH act has impacted CIOs in major health care organizations.
The Health Information Technology for Economic and Clinical Health Act (HITECH Act) was enacted in 2009 to advance the widespread use of health information technology (HIT).
The act included several provisions that impacted CIOs in major health care organizations, as discussed below:
Impact on health care information technology (HIT)According to HITECH, healthcare providers who demonstrate Meaningful Use of certified electronic health records (EHRs) are qualified for Medicare and Medicaid incentive payments.
Because of this provision, CIOs and IT managers of health care organizations needed to install and update HIT systems to ensure compliance with the HITECH Act. CIOs were required to ensure that EHRs were implemented and used in a manner that met the HITECH Act's Meaningful Use requirements.Impact on HIPAA compliance
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A donut shop is considering opening a new location in the area. It has estimated the required immediate investment into this project, as well as future revenues and expenses. The manager also believe that an immediate investment of $325 in net working capital would be required to support the project. It will be necessary to increase the net working capital by $28 in each subsequent year. In the final year, which is Year 6, the net working capital will be recovered. How much net working capital will be recovered at the end of the final year of this project?
The net working capital recovered at the end of the final year of this project is $127.
How much net working capital is regained in the last year?Net working capital refers to the funds a business holds to cover its daily operations. In this scenario, the donut shop estimated an immediate investment of $325 in net working capital for the new location, with subsequent yearly increases of $28. By the sixth and final year, the net working capital will be fully recovered.
To calculate the net working capital recovered at the end of the final year, we can sum up the annual increases over the five-year period (Year 2 to Year 6). Since the increase is $28 per year, the total increase after five years would be 5 multiplied by $28, which equals $140. Subtracting this amount from the initial investment of $325 gives us $185, which is the net working capital remaining at the end of Year 1.
In Year 6, the net working capital is fully recovered, meaning the remaining amount of $185 is regained. Thus, the net working capital recovered at the end of the final year of this project is $127 ($185 - $58).
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briefly introduce the unique features of technology transfer
Technology transfer refers to the process of transferring knowledge, intellectual property, technology, or skills from one entity to another.
Some of the unique features of technology transfer are discussed below:
Collaborative process: Technology transfer is a collaborative process involving the transfer of knowledge, skills, and expertise from a technology developer or provider to the recipient or user. The process involves a partnership between various stakeholders, including research institutions, industry, government agencies, and other organizations.
Commercialization of technology: One of the primary objectives of technology transfer is to commercialize research outcomes, technology, and intellectual property. The transfer process helps to transform scientific discoveries and innovations into commercial products or services and bring them to the market.
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What is a Capital Gain Tax (CGT) Asset? Give at least one
example for each of the three types of assets. .
Capital Gain Tax (CGT) Asset refers to any property that an individual owns and is subject to a capital gains tax. This tax is only applied when you make a profit on the sale of the asset.
Any asset, whether it is a property, shares, or personal items like jewelry, can be subjected to the Capital Gain Tax (CGT).Example for each of the three types of Capital Gain Tax (CGT)
Assets are:1. Personal Assets: Personal assets refer to personal use assets that are exempt from the capital gains tax. The following are examples of personal assets:
• Furniture
• Electrical appliances
• Clothing2. Collectibles and Antiques: Collectibles and antiques are unique assets, and therefore their values fluctuate depending on their popularity. The following are examples of collectibles and antiques:
• Artworks
• Stamps
• Coins3. Investment Assets: Investment assets are assets bought for the purpose of making a profit. The following are examples of investment assets:
• Shares in a company
• Property
• Cryptocurrency
In conclusion, capital gain tax assets are those that have value, and you may need to pay tax on them when you dispose of them. It's essential to know how capital gains tax is calculated, and you should consult a tax professional if you're unsure.
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Which is suggested to help employees compare their work and progress?
To help employees compare their work and progress, it is suggested to implement performance management systems that include the following elements:
Clear Performance Goals: Establish for each employee clear, quantifiable goals that are in line with the goals of the company. Employees can measure their performance and growth against clearly stated targets.
Conduct regular performance reviews or evaluations to evaluate employees' accomplishments and offer comments. Employees should be able to reflect on their work, accept helpful criticism, and compare their progress to predetermined goals during these evaluations, which should involve a two-way conversation.
Training and Skill Development: Provide employees with chances for training and skill development. Employees can improve their capabilities and gauge their success in learning new skills by comparing the resources available for continuous learning.
Reward employees for their accomplishments and great work. This acknowledgement not only inspires people, but also gives them a sense of success and a benchmark against which to measure their performance.
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a corporate environment characterized by survival of the fittest tends to best contribute toward leadership development T/F
The statement "a corporate environment characterized by survival of the fittest tends to best contribute toward leadership development" is false. Leadership development involves the growth of an individual's skills, knowledge, and abilities to lead and manage others effectively.
A toxic work environment, which promotes competition over collaboration, can be detrimental to the development of leadership skills. An environment where employees feel pitted against one another can foster a culture of fear, mistrust, and even unethical behavior.
In contrast, a positive work environment that encourages teamwork, open communication, and collaboration can lead to better leadership development. In such an environment, are more likely to feel supported, empowered, and invested in the success of the company as a whole.
Therefore, the statement "a corporate environment characterized by survival of the fittest tends to best contribute toward leadership development" is not true.
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Both the revenue and the expenditure cycle can be viewed as having two key parts. These are
a. manual and computerized
b. physical and financial
c. input and output
d. batch and real-time
Both the revenue and the expenditure cycle can be viewed as having two key parts, batch and real-time. The correct option is d.
Batch processing is when transactions are grouped together and processed in one go. Batch processing is commonly used for non-time-sensitive tasks such as inventory management.
Batch processing can be automated and can be used to generate reports or financial statements.The processing of individual transactions in real-time is referred to as real-time processing.
Real-time processing involves processing transactions as soon as they occur. Real-time processing is used for time-sensitive tasks such as online sales and bank transactions.
Real-time processing is usually performed by computer systems that are capable of processing transactions as soon as they are received. Both the revenue and the expenditure cycle can be viewed as having two key parts. These are batch and real-time. The correct option is d.
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Question 6 Santa bought an option contract on Telstra shares with an exercise price of $60 and an expiry date of three months. The market price for Telstra shares today is $56.85. The call price is trading at $0.45. a) Calculate the break-even amount for the call position and draw a fully labelled diagram for both buyer of the option and seller of the option. b) At what minimum share price will the option buyer exercise the option on the expiration date? [5+2] = 7 marks
a)The break-even amount for the call position is $60.45.
b) The minimum share price required for the option buyer to exercise the option on the expiration date is $60.45.
a) To calculate the break-even amount for the call position, we need to consider the exercise price, premium paid, and transaction costs.
Break-even amount = Exercise price + Premium paid
Given:
Exercise price = $60
Premium paid = $0.45
Break-even amount = $60 + $0.45 = $60.45
Now, let's draw a fully labeled diagram for both the buyer and seller of the option.
Buyer of the Option:
On the diagram, the x-axis represents the share price, and the y-axis represents the profit/loss. At the exercise price of $60, the buyer's profit/loss is zero (break-even point). If the share price increases above $60.45, the buyer starts making a profit. However, if the share price remains below $60.45, the buyer will experience a loss equal to the premium paid.
Seller of the Option:
For the option seller, the profit/loss is the opposite of the buyer's position. At the exercise price of $60, the seller's profit/loss is zero. If the share price increases above $60.45, the seller will experience a loss equal to the premium received. On the other hand, if the share price remains below $60.45, the seller keeps the premium received as profit.
b) The option buyer will exercise the option on the expiration date if the share price exceeds the exercise price. In this case, the minimum share price at which the option buyer will exercise is $60, as it is the exercise price mentioned in the question.
If the share price is equal to or below $60, it is not profitable for the option buyer to exercise the option, as they would incur a loss equal to the premium paid.
Therefore, the option buyer will exercise the option only if the share price exceeds $60 on the expiration date.
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What are the potential benefits to businesses that implement
continuous quality improvement processes?
Continuous quality improvement (CQI) is a system of managing quality in all sectors. It's a way for business to improve the quality of their goods and services while reducing waste and increasing efficiency.
Implementing CQI processes has a variety of potential benefits for businesses, including:
Improved customer satisfaction: When businesses continuously enhance their goods and services, they are more likely to meet their clients' needs and expectations, resulting in increased customer satisfaction.
Lower costs: CQI can assist businesses in identifying areas of waste and inefficiency, allowing them to reduce costs and improve profitability. By reducing waste and defects, businesses may save money on resources, production, and operations and reduce waste and defects.
Employee engagement: Employees are a crucial part of the CQI process. By involving employees in the process and encouraging them to contribute their suggestions and ideas for improvement, businesses may increase employee engagement and job satisfaction, resulting in higher levels of productivity and quality.
Reduced risk: When businesses continuously monitor and enhance their processes, they are less likely to make mistakes or produce faulty goods or services, reducing the risk of customer dissatisfaction, legal issues, and other negative effects.
Greater competitiveness: By continuously improving their goods and services, businesses may stay ahead of the competition and be more successful in the marketplace. They can also create a reputation for high quality and reliability, which can lead to more business and growth opportunities.
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JUN O d. Equilibrium price and quantity are, respectively, P-425, Q=925. QUESTION 3 4000-2P, The Suppose the population's income increases, shifting the demand curve to the right. Now the demand curve
Equilibrium price and quantity are important concepts in economics. Equilibrium price is the price at which the quantity demanded of a good or service equals the quantity supplied, while equilibrium quantity is the quantity of the good or service that is bought and sold at that price. In the given scenario, the equilibrium price and quantity are P = 425 and Q = 925 respectively.
The demand function is given by Qd = 4000 - 2P, where Qd is the quantity demanded and P is the price. Suppose the population's income increases, shifting the demand curve to the right. Now the demand curve becomes Qd' = 4000 - 2P', where P' is the new equilibrium price and Qd' is the new equilibrium quantity.
As a result of the shift in the demand curve, the new equilibrium price and quantity will be higher than the original equilibrium price and quantity. The shift in the demand curve to the right implies that people are now willing and able to buy more of the product at every price level. This is because the population's income has increased, which has increased their purchasing power.
Therefore, they are now able to buy more of the product even at higher prices. Hence, the new equilibrium quantity will be higher than the original equilibrium quantity. In conclusion, the shift in the demand curve to the right due to an increase in population's income will result in a new equilibrium quantity and price that are higher than the original equilibrium quantity and price respectively.
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a stock can go up, go down, or stay unchanged. how many possibilities are there if you own stocks?
There are 3 possibilities if you own 1 stock i.e., a stock can go up, go down, or stay unchanged. However if someone owns more than 1 stock, the possibilities multiplies further.
Every stock would have three options if a person owned seven. Therefore, multiplying 3 by 7 will give you the total number of choices. For 7 stocks, there are 2187 potential outcomes. Similar to this, if you hold 9 stocks, there are 19,683 different outcomes.
The cornerstone of many personal investors' portfolios is stocks, which are mostly traded on stock exchanges. Government laws enforcing investor protection from fraudulent strategies must be followed during the trading process. A sort of security known as a stock, which is mostly traded on stock markets and signifies the holder's proportionate shareholding in the issuing firm.
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China has run a bilateral trade surplus with the United States since the late 1980s. These surpluses increased steadily in the 1990s, especially after China's accession to the WTO in 2001 (see the fol
China has been recording bilateral trade surpluses with the United States since the late 1980s. The surpluses have been increasing continuously since then, more so after China became a member of the World Trade Organization (WTO) in 2001. According to available statistics, in 2019, China's trade surplus with the US was around $345.6 billion.
Firstly, China's labor costs are considerably lower than those of the US. Therefore, it is much cheaper to produce goods in China than in the US. This leads to US companies importing goods from China, resulting in the trade surplus.
Secondly, China's policy of pegging its currency, the yuan, to the US dollar has helped the country to maintain lower exchange rates. This makes Chinese goods more competitive in the US market, thus leading to a trade surplus.
Lastly, the US has been running budget deficits for a long time, which means that the government has been spending more than it is collecting in revenue. This has led to borrowing from other countries, such as China, to finance the deficits. As a result, China holds a considerable amount of US debt. Hence, in order to prevent China from selling its US debt, the US has to maintain good economic and political relations with China.
In conclusion, the trade surplus between China and the US is a complex issue with various factors at play. The US government has tried to reduce this trade imbalance through various means, including tariffs and trade negotiations. However, a complete resolution of the issue may require more comprehensive measures that address the underlying structural issues.
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Which of the following is an example of functional strategy? O a.) A company specifies how the marketing department will promote a new product being developed. O b.) A company makes the decision to ex
The option that is an example of functional strategy is a company specifies how the marketing department will promote a new product being developed. The correct option is (A).
Functional strategy is defined as the plan of action to manage organizational resources and achieve goals and objectives within a departmental area. It refers to the specific actions and plans formulated by functional areas within an organization to support the overall business strategy. It focuses on how each department or function contributes to achieving organizational goals.
Functional strategies may include the strategies of the following areas: marketing, finance, production, human resources, and R&D (research and development). Functional strategies must always align with the business strategies, which are the plans of action that firms create to achieve their long-term goals. It is critical that the plan of action aligns with the business strategies, such as growth, market expansion, cost leadership, differentiation, etc., to achieve the organization's objectives.
The company's marketing department's plan of action to promote a new product being developed is an example of functional strategy. It involves the marketing department developing specific plans and tactics to effectively promote the new product and drive its success in the market. Therefore, the correct option is (A).
However, this question is incomplete. The complete question should be:
Which of the following is an example of functional strategy?
O a.) A company specifies how the marketing department will promote a new product being developed.
O b.) A company makes the decision to expand its social media presence.
O c.) A company specifies the actions it must take to improve its market share over its rivals.
O d.) A company decides to expand all divisions into international markets.
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Managers are using _______to talk across organizational boundaries with people at different levels about vision and values.
Possible Answers:
A: low channel richness
B: strategic conversation
C: nonverbal communication
D: communication apprehension
Managers are using strategic conversation to talk across organizational boundaries with people at different levels about vision and values. Option (b)
Strategic conversation refers to the deliberate and purposeful exchange of information, ideas, and perspectives between individuals or groups within an organization with the goal of aligning their understanding and actions towards a shared vision and values. Strategic conversations are characterized by their richness in communication channels, allowing for open dialogue, active listening, and meaningful interaction.
They go beyond formal communication channels and encourage cross-functional collaboration, creativity, and problem-solving. Strategic conversations enable managers to foster a shared understanding and commitment to organizational goals, leading to better decision-making and the alignment of actions across different levels and departments.
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Name and explain FIVE (5) common threats that can interrupt a digital bank. LD Page view ARead Sidlsdreen Add text Draw Question 1 Consider Figure 1 below, which depicts the rubber market in Malaysia. At the initial market equilibrium, the total quantity produced is 500 kg per year and the average price is RM7 per kg. Figure 1: Market equilibrium in the Malaysian rubber market Average Price S RM10 RM7 D Quantity of rubber (kg) 500 1000 (a) A sudden increase in demand for rubber causes the demand schedule to shift from D to D*. Explain the adjustments in prices and quantity that would take place after the increase in demand (10 marks) (b) Calculate the price elasticity of supply for rubber, and comment on the degree of elasticity (10 marks) Figure ?: Fall in supply due to weather conditions 9 D' Highlight V Erase
The five common threats that can interrupt a digital bank: Cybersecurity Attacks, System and Network Failures, Fraud and Identity Theft, Regulatory Compliance, Operational Risks.
1. Cybersecurity Attacks: Digital banks are vulnerable to various types of cyber threats, including hacking, data breaches, phishing attacks, and ransomware. These attacks can compromise customer data, disrupt services, and lead to financial losses.
2. System and Network Failures: Technical issues such as hardware failures, software glitches, or network outages can disrupt the operations of a digital bank. These failures can result in service unavailability, transaction failures, and customer dissatisfaction.
3. Fraud and Identity Theft: Digital banks are at risk of fraud and identity theft attempts, where criminals attempt to impersonate customers or manipulate transactions to gain unauthorized access to funds. These threats can lead to financial losses and damage the reputation of the bank.
4. Regulatory Compliance: Digital banks need to comply with various regulations related to data protection, anti-money laundering (AML), know-your-customer (KYC) requirements, and consumer protection. Non-compliance can result in legal penalties, reputational damage, and operational disruptions.
5. Operational Risks: Digital banks face operational risks such as human errors, internal fraud, process failures, and third-party service provider disruptions. These risks can impact the efficiency and reliability of banking operations, affecting customer satisfaction and trust.
It is important for digital banks to implement robust security measures, invest in reliable infrastructure, conduct regular risk assessments, and have contingency plans in place to mitigate these threats and ensure uninterrupted services to their customers.
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Smart Designs' inventory (for one item) activity for April is shown below. Smart Designs use a perpetual inventory system: Date Transaction Units Unit cost 1 April Beginning inventory 12 $37 7 April Purchase 45 $32 9 April Sale 35 14 April Purchase 52 $38 30 April Sale 25 Required a) Calculate the ending inventory and cost of each sale under the FIFO method. [5 marks] b) Calculate the ending inventory and cost of each sale under the weighted average method.
a. Ending inventory cost = $1,862 and Cost of sales = $2,185
b. Ending inventory cost = $1,724.79 and Cost of sales = $2,067.65
a) FIFO method: Date Transaction Units Unit cost Total Cost1 April Beginning inventory12$37$4447 AprilPurchase45$32$1,4409 AprilSale35$37$1,29514 AprilPurchase52$38$1,976
Total quantity109Total cost$5,155
Ending inventory = 109 - 35 - 25 = 49 units.
Ending inventory cost = 38 × 49 = $1,862
Cost of sales = 35 × 37 + 25 × 38 = $2,185
b) Weighted average method :Date Transaction Units Unit cost Total Cost1 April Beginning inventory12$37$4447
AprilPurchase52$38$1,97630 AprilSale25$35.21$880.25
Total quantity: 109
Total cost: $4,845.30
Ending inventory = 109 - 35 - 25 = 49 units Ending inventory cost
= $1,724.79
Cost of sales = 35 × 34.23 + 25 × 35.21 = $2,067.65,
Therefore, the ending inventory and cost of each sale under the FIFO method is: Ending inventory = 49 units Ending inventory cost = $1,862Cost of sales = $2,185The ending inventory and cost of each sale under the weighted average method is :Ending inventory = 49 units Ending inventory cost = $1,724.79Cost of sales = $2,067.65
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a. Briefly describe any 3 use cases of Digital Identity in FinTech.
b. Discuss the key issues in adopting Digital Identity.
Digital identity in FinTech refers to the electronic identification of individuals or organizations for use in financial transactions.
Digital verification of identity is essential to verify the identity of a customer before offering financial services. Traditional KYC methods can be time-consuming and expensive. With digital identity verification, a customer can quickly upload their identification documents and get verified quickly in a matter of minutes.
Digital identity can be used to provide secure authentication of financial transactions. Customers can use biometric data like fingerprints or facial recognition to authenticate transactions. This helps to reduce the risks of fraudulent transactions.
Digital identity can be used to assess the risk profile of a customer. This is especially useful for anti-money laundering and other compliance activities. By analyzing the digital footprint of a customer, FinTech companies can identify high-risk customers and take appropriate measures to mitigate those risks.
FinTech companies are often prime targets for hackers. The adoption of digital identity increases the risk of data breaches and identity theft. Companies need to ensure that they have adequate security measures in place to protect their customers' data. Regulatory compliance: There are various regulatory requirements that FinTech companies must meet, including Know Your Customer (KYC), Anti-Money Laundering (AML), and General Data Protection Regulation (GDPR). Companies must ensure that their digital identity solutions meet these regulatory requirements.
User adoption: Not all users may be comfortable with using digital identity. Companies must ensure that they provide adequate education and support to their customers to ensure that they understand how digital identity works and how it can benefit them.
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1. Develop a marketing plan for the business you described in Final Assignment A by replacing the information in each of the categories below with the information for your own company. You can review the material from this course, from the Part I Review, and from your assignments as needed.
Market Research (5.0 points)
Your marketing plan should include research into the overall market, definitions of market segments, and a description of the specific target market you are aiming for.
In addition, your research should describe industry trends, economic changes, and other factors that could affect your market.
Instruction: Write 1-2 short paragraphs about the target market segments for your company and why you think this company and product will be successful. Are there economic, social, or other trends that make this a good opportunity now?
Product Description (2.0 points)
This section of the marketing plan describes the features of the product and its benefits for people in your target market.
This is where you discuss the needs, desires, and fears of your target market and consider how you can use emotions to make your product's benefits most attractive.
Instruction: Write 1-2 short paragraphs about your product's features and benefits.
Competition Analysis (3.0 points)
In this section, you describe and analyze your company's competition.
This includes direct competitors who offer very similar products, as well as indirect competitors who satisfy the same need or desire in a different way.
This is also where you describe the competitive advantages your product has when compared to these competitors.
Instruction: Describe at least two other companies that are direct or indirect competitors to your company. Explain how you will differentiate yourself from them.
Brand Image Goals (2.0 points)
This section describes your company's current brand image, as perceived by your customers and potential customers.
This is where you describe your goals for your brand image. Make a list of the main qualities you want people to associate with your brand.
Describe the market positioning you want to achieve. How do you want your product to be positioned in people's minds, particularly in comparison to your competitors?
Instruction: Describe your brand image goals in 1-2 short paragraphs. Include at least two qualities that you want people to associate with your brand.�
Financial Goals (2.0 points)
Set measurable marketing goals over a specific period of time, such as an increased number of customers, sales, or income.
Instruction: Decide how much monthly revenue you want the company to make from sales of the product six months from now, one year from now, and five years from now.
Other Marketing Goals (2.0 points)
You may have other marketing goals that you wish to measure.
Instruction: Describe at least one other marketing goal you would like to achieve. 1-3 sentences.
Marketing Message (4.0 points)
Describe the message you plan to communicate to your target market.
This should be a focused message that explains the benefits of the product in a way that appeals to people's needs, desires, or fears.
Instruction: Write 2-3 short paragraphs about the marketing message you will use and why you chose this message. Why does it appeal to your target market?
Pricing (4.0 points)
Discuss your strategy for determining the price of your product.
Explain how your pricing strategy will support your overall brand image, marketing message, and financial goals.
Instruction: Decide what the price for your product will be, and describe at least two factors you considered in determining that price.
Promotional Strategies (4.0 points)
Promotional strategies are the ways you will communicate and support your marketing message.
This includes things like advertising methods, public relations efforts, publicity, and other communications.
Describe in detail each method you will use, such as types of ads and their content, or public relations tools like newsletters, networking, and improving your Web site.
Set timelines for when you will put each promotional strategy into action.
This section of your marketing plan should also describe which things your company will do for itself and which things you will hire other people or companies to do for you.
Instruction: Write 2-3 short paragraphs describing at least two promotional strategies you will use.
Budget (2.0 points)
In this section, you define your overall marketing budget for a specific length of time.
Then break down the budget to show where the money will be spent.
Explain how you decided on these numbers for the budget, and why you think it will be worth spending this amount.
Instruction: Decide what the total marketing budget will be, and make a list of at least four things you will spend money on and how much you think they will cost.
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Answer:
Final Assignment B
Market Research-
What will make my market research a more successful plan is the research I've found and done for it. Demographic, Psychographic Geographic, and Behavioral are the three key segments in my market plan. This will aid in the differentiation of gender, age, and lifestyle in my market plan. The Demographic market segment of my market plan is what I'm mostly targeting.
Demographic segmentation separates the market into smaller groups based on criteria like age, gender, and income. Instead of reaching out to the entire market, I'll use this strategy to concentrate resources on a certain segment of my market.
Product Description-
When people learn about my low prices on the thing I'm offering, they'll be hooked. Everyone deserves luxuries, not some rubbish that turns your neck green after a few rinses, with the most magnificent jewelry and clothing.
People will require this since everyone has an important meeting or a special family gathering, and no one has the same level of luxury as a really wealthy individual. The things aren't visibly made of the same material as Gucci or other more costly locations, but that's part of what makes them so appealing: you get what a millionaire has for a fraction of the cost. People will be ecstatic because they can now buy something they couldn't before, allowing them to make their looks look drastically different and giving them the confidence to go out when others don't.
Competition Analysis-
Shien, a large clothing company, sells shirts for as little as $12, and every product they sell is quite low. The difference between their company and mine is that mine will sell things at that price, but they will appear to cost more, and everything will be made creatively and not sell fakes.
All of the materials used in the apparel will have a luxurious feel to them and will not appear to be cheap. Every piece of clothing sold will be available in every size, allowing everyone to experience good apparel rather than having to choose between different sizes, causing people to miss out on something truly unique and to their taste.
Brand Image Goals-
I want my customers to think of my business as a destination. They don't have much money or are saving for something special, but they have been asked to something once in a lifetime, which is where my company comes in. They won't go to any other store since it's so amazing.
The atmosphere in the store will be so pleasant and inviting that customers will wan
Answer:
what about the budget?
Explanation:
a. As of December 31, Gullo had performed $1,100 of service revenue but has not yet billed customers. Review the partial worksheet. Date (a) Dec. 31. Accounts and Explanation b. At the end of the mont
The partial worksheet below for Gullo Corporation shows that, as of December 31, the corporation had performed $1,100 worth of service revenue but has yet to bill the customers for it. Date Accounts and Explanation Dec. 31 Unbilled revenue: $1,100 Service revenue: $1,100 Gullo Corporation has performed a service that is expected to generate revenue but has yet to bill customers. In order to account for such revenue, the company records unbilled revenue in its books as an asset account and adjusts the revenue accordingly.
This is done through the use of adjusting entries at the end of the accounting period. This will enable the company to reflect the unbilled revenue in the books of account and subsequently bill customers when necessary.In the case of Gullo Corporation, the partial worksheet reflects an unbilled revenue account of $1,100.
This account indicates that the corporation has provided services to its customers but has yet to bill them for the services rendered. Consequently, the service revenue account is also adjusted to reflect the same amount of $1,100, showing the total amount of service revenue that has been earned but not yet billed.
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1. You are the Industrial Relations Manager at the James Clarke
Hospital in St Andrew, Jamaica. You received a complaint from Mr.
Brotherton Brown that his supervisor Mark Meedle has issued a
warning
A trade union is an organization formed by workers to represent their collective interests and rights in the workplace.
a. The role and function of a trade union:
A trade union is an organization formed by workers to represent their collective interests and rights in the workplace. The main role and functions of a trade union include:
Collective bargaining: Trade unions negotiate with employers on behalf of their members to secure favorable terms and conditions of employment, such as wages, working hours, benefits, and workplace policies.Advocacy and representation: Trade unions provide a platform for employees to voice their concerns, grievances, and interests. They advocate for the rights and welfare of workers, ensuring fair treatment and protection against unfair practices.Employee support and services: Trade unions offer support and services to their members, such as legal advice, representation in disciplinary or grievance procedures, and access to training and development opportunities.Legislative and policy influence: Trade unions play a role in shaping labor laws and policies through lobbying and advocacy efforts. They aim to create a favorable legal framework for workers' rights and promote social and economic justice.b. Legality of Mr. Meedle's activity:
In Jamaica, the Trades Union Act protects workers' rights to join and participate in trade unions. It prohibits any actions that prevent or threaten employees from exercising their freedom to join a trade union. Based on the information provided, if Mr. Meedle has indeed issued a warning against persons joining the Jan Marcus Trade Union (JMTU), it may be considered a violation of the Trades Union Act.
c. Four reasons an employee should be allowed to join a trade union:
Collective representation: Joining a trade union allows employees to have collective representation and a stronger voice in negotiating terms and conditions of employment with their employers.Protection of rights: Trade unions provide a platform for employees to seek protection against unfair treatment, discrimination, and arbitrary decisions in the workplace. Union representation can ensure that employees' rights are safeguarded.Improved working conditions: Trade unions advocate for better working conditions, including fair wages, reasonable working hours, health and safety standards, and access to benefits and entitlements.Professional development and support: Trade unions often provide training, professional development opportunities, and support services to their members. They can help employees enhance their skills, advance their careers, and address workplace challenges effectively.Allowing employees to join trade unions promotes collective bargaining, employee empowerment, and a more equitable and democratic workplace. It ensures that employees have a platform to express their concerns and work towards improving their working conditions and overall well-being.
The correct question is:
You are the Industrial Relations Manager at the James Clarke Hospital in St Andrew, Jamaica. You received a complaint from Mr. Brotherton Brown that his supervisor Mark Meedle has issued a warning against persons joining the Jan Marcus Trade Union (JMTU). As a result, Mr. Brown believes that he is being illegally prevented or threatened from joining his union. a. Explain the role and function of a trade union? b. Is the activity of Mr. Meedle legal in keeping with the Trades Union Act in Jamaica. c. Provide FOUR (4) reasons the employee should be allowed to join a trade union.
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It is the end of the month September 2018. The bank statement shows a balance of $248,750 on September 30th. The following checks were issued and deposits made during the month:
Check # Check Amount
52 $300
53 $1,200
54 $1,500
55 $100
56 $350
57 $430
Deposit dates Amount
Sept 10th $13,000
Sept 20th $12,000
Sept 30th $4,500
Checks 52, 53, 56 cleared during the month of September and are included in the Bank Statement. Additionally, the deposits on Sept 10th and Sept 20th were included in Bank Statement.
Please complete the Bank reconciliation assuming the Bank balance and GL balance were the same at the beginning of September and there were no reconciling items at the end of August.
Bank reconciliation assuming the Bank balance and GL balance were the same at the beginning of September gives the reconciled bank balance of $276,400 on September 30.
Start with the bank statement's ending balance on September 30th: $248,750.
Subtract the total amount of cleared checks from the bank statement balance:
$248,750 - ($300 + $1,200 + $350) = $246,900.
The remaining checks (#54, #55, #57) have not yet cleared the bank.
Deposits made during September:
Deposit on September 10th: $13,000
Deposit on September 20th: $12,000
Deposit on September 30th: $4,500
Add these deposits to the adjusted bank balance:
$246,900 + ($13,000 + $12,000 + $4,500) = $276,400.
Compare the adjusted bank balance ($276,400) with the GL balance. If they were the same at the beginning of September, there are no reconciling items. Thus, the bank reconciliation is complete.
The reconciled bank balance as of September 30th is $276,400.
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Explain in your own words the difference between In-sourcing and Self-sourcing with the help of an example for each. What type of In-sourcing do you think Universities can do in education?
In-sourcing and self-sourcing are two different concepts in an organization. In-sourcing refers to the practice of hiring an in-house team to perform tasks and services rather than outsourcing it to an external contractor.
It involves bringing in external resources, knowledge, skills, and experience to help improve efficiency and productivity. For example, a company that hires a marketing team in-house instead of outsourcing marketing to a third-party agency is considered in-sourcing.Self-sourcing, on the other hand, refers to the practice of an individual or a team that performs tasks and services for themselves rather than relying on an external resource. It involves leveraging internal resources, knowledge, skills, and experience to complete tasks.
For example, a software development team that develops its own project management software instead of purchasing it from an external vendor is considered self-sourcing.In the context of universities, insourcing could involve hiring professors, researchers, and other academic staff to teach, conduct research and provide other educational services. In-sourcing can also involve universities developing their own course materials and curriculum instead of relying on external resources.
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Question 5 Betty DeRose, Inc. operates two departments, the handling department and the packaging department. During April, the handling department reported the following information: work in process, April 1 units started during April work in process, April 30 units 27,000 51,000 32,000 work in process, April 1 costs added during April total costs % complete DM 60% DM $ 67,330 $277,070 $344,400 75% The cost of beginning work in process and the costs added during April were as follows: % complete conversion 25% Conversion $141,120 $257,520 $398,640 45% Total cost $208,450 $534,590 $743,040 Calculate the cost of goods completed and transferred out during April using the weighted average process costing method.
The cost of goods completed and transferred out during April using the weighted average process costing method is $743,040.
What is the total cost of goods completed and transferred out using the weighted average process costing method?Using the weighted average process costing method, the cost of goods completed and transferred out during April is calculated by considering the units started and completed within the period. To determine the cost, we need to calculate the equivalent units of production for both direct materials (DM) and conversion costs.
For direct materials, the work in process on April 1 was 27,000 units, and 51,000 units were started during April, resulting in a total of 78,000 units. Since the DM costs are 60% complete, the equivalent units of production for DM is 46,800 (78,000 units * 60%).
For conversion costs, the work in process on April 1 was 27,000 units at 25% completion, and 51,000 units were started during April. This gives us a total of 78,000 units. The equivalent units of production for conversion costs is 48,600 (78,000 units * 25%).
To calculate the cost of goods completed and transferred out, we multiply the equivalent units of production for DM and conversion costs by their respective costs per equivalent unit. The total cost for DM is $344,400, and for conversion costs, it is $398,640.
Adding these two costs gives us a total cost of goods completed and transferred out of $743,040 during April using the weighted average process costing method.
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FILL THE BLANK.
The equilibrium price is_______and the equilibrium quantity is________.
Suppose the government imposes a price ceiling of $90. This price ceiling is [binding/not binding], and the market price will be______. The quantity supplied will be ______ , and the quantity demanded will be_______. Therefore, a price ceiling of $90 will result in [a shortage/ a surplus/ neither a shortage nor surplus].
The equilibrium price is the price at which the quantity demanded equals the quantity supplied.
It is the point where the demand and supply curves intersect. Without specific information on the demand and supply curves, it is not possible to determine the exact equilibrium price and quantity.
However, based on the subsequent information provided, we can analyze the effects of a price ceiling.
Suppose the government imposes a price ceiling of $90. Whether the price ceiling is binding or not depends on the prevailing market price. If the market price is above $90, the price ceiling will be binding. If the market price is below $90, the price ceiling will not be binding.
If the price ceiling of $90 is binding, it means that the market price cannot exceed $90. In this case, the market price will be $90. The quantity supplied at this price will depend on the supply curve, and the quantity demanded will depend on the demand curve.
The quantity supplied will be determined by the quantity at which suppliers are willing to sell at the price of $90. The quantity demanded will be determined by the quantity that consumers are willing to buy at the price of $90.
Whether there will be a shortage or surplus depends on the relationship between the quantity supplied and the quantity demanded at the price of $90. If the quantity demanded exceeds the quantity supplied, there will be a shortage.
If the quantity supplied exceeds the quantity demanded, there will be a surplus. If the quantity supplied is equal to the quantity demanded, there will be neither a shortage nor a surplus.
Without specific information on the supply and demand curves or their relationship at the price of $90, it is not possible to determine whether there will be a shortage, a surplus, or neither.
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