Basically the secured and unsecured loans differ in the terms of risk factor.
Secured loan are those in which the person applying for the loan has to show something which he owns and has the some financial value which can be offered as a collateral, if the person in unable to payback the loan then that particular property can we use to obtain the value of the loan. Rather risk free and are given by organisations like Bank.
Unsecured loans are those kind of loans in which the Lender analyses the financial abilities of the person apply for the loan. These kind of loans are generally given by family friends. These kind of loan are not free of risk because there is no guarantee of getting the loan amount back.
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Answer:
a secured loan requires a collateral and an unsecured loan does not
Explanation:
Correct on Odyssey
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What are the things you need to consider when you are going to choose a bank or credit union?.
You'll need to decide what type of institution you want to store your money in and take into account factors like the kind and quantity of items offered, account fees, and interest rates.
What is a bank or credit union?In contrast to credit unions, which are nonprofit organisations, banks are for-profit organisations and are either privately held or publicly traded. The distinction between the goods and services that each type of institution offers is caused by the for-profit versus not-for-profit division.Savings accounts and certificates of deposit are just a couple of the financial products that banks and credit unions both provide.Members of credit unions benefit from higher savings rates, lower loan rates, and lower fees because they are member-driven and not-for-profit organizations.One of the most crucial financial decisions you can make is selecting a financial institution to manage your money. Different banks will pay you dramatically varying amounts of interest on your money as well as offer vastly different levels of service and pricing structures.To learn more about bank or credit union refer to:
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long-lived assets are . (check all that apply.) multiple select question. assets acquired for use over 1 or more years used by the business assets that will be used or converted to cash within 1 year always tangible intended for immediate resale
Long-lived assets are assets acquired for use over 1 or more years used by the business.
What is long-lived assets?long term assets are both tangible and intangible assets that the company will benefit from for more than one year. Fixed assets, also called fixed assets, can include fixed assets such as a company's tangible assets, but can also include other assets such as long-term investments, patents, copyrights, franchises, goodwill, trademarks and trade names, and software. .
long term assets are recorded in the balance sheet and are usually recorded at the price at which they were purchased and therefore do not always reflect the fair value of the asset. Long-term assets can be compared to short-term assets that can be conveniently sold, spent, used or utilized in the normal course of business within one year.
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Compare the perspectives of the narrator and her first employers regarding wages.
According to the narrator, wages are very important when someone applies for a job. The narrator points out that it is important for people to consider wages when applying for a job. According to the narrator, immigrant workers are very important because they can be a way out of poverty and oppression.
Wages are rights in a job or labor that can be accepted and expressed in the form of money as a form of compensation to workers/laborers which can be stated and paid according to a form of work agreement and allowances for workers/laborers through an agreement that has been made with the company or regulations. legislation.
There are several wage setting systems in the world of work. In general, the system is regulated based on the following points.
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an employee paid a company back for amounts the company lent 3 months earlier. the company would record the collection from the employee by .
Reimbursements under non-accountable plans will be subject to income tax, FICA tax, and unemployment tax. In essence, nonaccountable plan reimbursements are wages and must be reported on the employee's W-2.
How should I submit my repaid business expenses?You are not required to report the amount since reimbursements made under the accountable plan are not considered earnings and are not subject to tax. On the Form W-2, leave off the sum from the employee's salary. Instead, enter a code L in Box 12 of the Form W-2.
Are business expenses that are repaid treated as income?Employees who get reimbursement for business costs under a non-accountable plan are regarded to have earned income, and their W-2 forms must reflect this.
How should I classify reimbursed expenses?Since your deposit and reimbursement do not count as business-related revenue or expenses, you can classify them as transfers. This can be used in situations where you pay a business expense using personal finances and then pay yourself back. They won't be considered while calculating your taxes.
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Answer:
debiting Cash and crediting Notes Receivable
Explanation:
a secured party who has control will prevail over a secured party who has only filed for these types of collateral:
Deposit accounts, Investment Property, and Letter-of-credit Rights. Thus option (A) is correct
What is the investment?Investment is the ceremonial of money to purchase an asset to attain an increase in value over a time period of time. Investment requires a sacrifice of some present quality, such as time, medium of exchange, or effort. In finance, the purpose of investing is to generate a return from the invested asset.
Whether or not there is a current obligation to be secured, a person who has the benefit of the security interest generated by or provided for under a security arrangement is known as a secured party under UCC law. when the secured party is in possession, a duty of care.] A secured party must take reasonable care to keep the collateral it has in its possession safe unless subsection (d) provides otherwise.
Therefore, Thus option(A) is correct
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which of the following events should trigger a recalculation of the retirement needs analysis? item 1. marriage item 2. employment change item 3. change in fica rate item 4. significant income change
Marriage, Employment change, Significant income change, these events trigger a recalculation of the retirement.
What is retirement?When a person retires, they permanently depart the workforce.In the United States, the early retirement age is 62 and the full retirement age (when a person can receive all Social Security payments) is 67. (the earliest age someone can collect Social Security benefits).Historically, 65 was the retirement age, and most people live for 15 to 20 years after that (on average).How much you should save aside for retirement will partly rely on how long you plan to live in retirement and how much money you'll need per year to live comfortably.Any time there is a life change for the client, such as a marriage, divorce, birth, death, change in work and income, or change in health, the retirement needs analysis should be updated. Long-term retirement demands won't be impacted by brief changes in tax laws.To learn more about retirement, refer to
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All multinational corporations planning to issue equity or shares to the public must file a(n) ____________________ with the Securities and Exchange Commission.
A) Prospectus
B) Statement of Intent
C) Registration
D) Exemption
All multinational corporations planning to issue equity or shares to the public must file a Statement of Intent with the Securities and Exchange Commission.
What does the Securities and Exchange Commission do?The Securities and Exchange Commission (SEC) of the United States has three main objectives: safeguarding investors Maintain a just, organised, and effective market. encourage the production of capital.
What does a company's statement of intent entail?A letter of intent is a statement of one party's tentative agreement to conduct business with another. The letter, which is frequently used in business transactions, summarises the key terms of a potential deal.
How long is an intent statement?You should keep your statement of intent to two paragraphs or fewer (unless a programme requests additional pages). Be succinct. As a general guideline, it's recommended to use a single-spaced, 10–12 point font with adequate margins.
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mark received 10 isos (each option gives him the right to purchase 18 shares of hendricks corporation stock for $5 per share) at the time he started working for hendricks corporation five years ago, when hendricks's stock price was $5 per share. now that hendricks's share price is $35 per share, mark intends to exercise all of his options and hold all of his shares for more than one year. assume that more than a year after exercise, mark sells the stock for $35 a share.
ISOs is an acronym for incentive stock options and is a type of compensation given to employees.
ISOs gives an option to the employees to exercise such options in form of shares or cash.
What is ISO?A global federation of national standards organizations exists under the name ISO (International Organization for Standardization). One standards body is present for each member nation in the intergovernmental organization known as ISO, which includes standards bodies from more than 160 nations.Taxability of ISO's
Mark has no tax consequences on the grant date and exercise as well.
Shares acquired (A) 180Exercise Price (B) $9Total Exercise Value (C=A x B) $1,620Market Price (D) $35Market Value of Shares (E=A x D) $6,300Bargain Element (E-C) $4,680Mark is required to recognizes $4,680 for AMT.
In the year of sale, Mark shall recognize $4,680 as long term capital gain and shall pay tax based on the computation below
Shares acquired 180Market Price 35Amount realized on Sale (A) $6,300Adjusted Basis (B) $1,620Long term Capital Gain (C=A-B) $4,680Marginal Tax Rate (D) 15%Tax Due in the year of Sale (CxD) $702Hence, the final answer would be
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When nikki passes the first management quiz with flying colors, she credits her dedication and intellect. When she fails the first test, she blames it on a poorly worded test. This is an example of the ________ bias.
Nikki attributes her success on the first management quiz to her hard work and intelligence. She claims that the first test was badly written when she fails it. This is an case of self-serving bias.
When we attribute positive results to our own behaviors or character while attributing unpleasant outcomes to external factors unrelated to our character, this is known as self-serving bias. Self-serving prejudice has long captured the attention of scholars everywhere.The self-serving bias can be problematic since we are less likely to learn from our mistakes and improve moving ahead if we do not accept responsibility for them. A key component of success and achieving our goals and wants in life is failing, learning from those mistakes, and then improving on them.Thus the correct answer is Self serving bias.
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The RISKSIMTABLE function is used to summarize the results of a single simulation of product lifetime.
False - The RISKSIMTABLE function is used to summarize the results of a single simulation of product lifetime.
A simulation is the imitation of the operation of a real-international technique or device over the years.[1] Simulations require the use of fashions; the model represents the key characteristics or behaviors of the chosen system or technique, while the simulation represents the evolution of the version over time. often, computer systems are used to execute the simulation. Simulation is used in lots of contexts, including simulation of technology for performance tuning or optimizing, safety engineering, trying out, training, education,[2] and video video games.
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the goal of , a type of business intelligence analysis, is to create information about past performance.
The goal of push publishing a type of business intelligence analysis, is to create information about past performance.
What is a business intelligence system's goal?Business leaders, managers, and other operational staff members are supposed to use business intelligence to make wiser decisions for the company. Businesses also use business intelligence to find new business prospects, reduce costs, and find ineffective company procedures.
The main goal of BI is to make data (and models) accessible with minimal effort so that company managers can perform analysis. BI aids in the transformation of data into information (and knowledge), which then supports decision-making and action.
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an example of a final good in national income accounts would be new: an example of a final good in national income accounts would be new: flowers purchased by homeowner lenny davis lawn mowers purchased by cut-rite mowers chemicals purchased by green grass lawn care trees bought by north dallas garden center
Flowers purchased by homeowner Lenny Davis would be an example of final good in national income. ( Option A )
- The goods that don't need any more processing are referred to as final goods. These products, also referred to as consumer goods, are created with the intention of being consumed directly by the final user.
- Only new goods are included when using the term "final goods" in measures of national income and output. To avoid double counting due to resale of goods, the gross domestic product (GDP) excludes items counted in an earlier year.
- The assessment of national income only takes into account the value of final goods and services; the value of intermediate commodities is left out. This is so because the value of final items already accounts for the value of intermediate goods.
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Follow-up refers to the contacts you periodically make with customers in order to remind them of your business, and your interest in their business. (T/F)
(T)rue
Yes, the statement "contacts you make with customers on a regular basis to remind them of your business are referred to as follow-up" is true.
What is following up?When it comes to business, particularly when you need to acquire new customers, follow up means turning a prospect into a customer. Since follow up is the process of completing an activity.
What are the advantages of following up with the customer?Any business can benefit greatly from follow-ups, as the statistics below demonstrate:
A prospect can be reached after eight follow-up calls, on average.If the sales representative calls back at an agreed-upon time, 42% of people are likely to buy.By sending multiple emails, you can increase your chances of receiving a response by 25%.After just one attempt at follow-up, four out of ten salespeople give up.Yes, the statement "contacts you make with customers on a regular basis to remind them of your business are referred to as follow-up" is true.
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firms with a very limited advertising budget would be very unlikely to use advertising. group of answer choices radio internet television outdoor
Firms with a very limited advertising budget would be very unlikely to use advertising: C. television
Advertising is an advertising tactic related to purchasing space to promote a product, service, or motive. The actual promotional messages are known as classified ads or ads for brief. The purpose of advertising and marketing is to attain human beings' maximum in all likelihood to be inclined to pay for a company's products or services and trap them to buy.
Advertising is a manner of advertising your commercial enterprise so that you can increase income or make your target audience privy to your products or services. till a client deals with you at once and in fact buys your products or services, your advertising and marketing may assist to shape their first impressions of your business.
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On the Income Statement, which of the following would be classified as a variable cost?
a. Promotion Expense
b. Depreciation Expense
c. R&D Expense
d. Direct Labor Expense)
Regular working hours and overtime are both considered to be part of direct labour. Additionally, it covers associated payroll taxes and costs including Social Security, Medicare, Unemployment Insurance, and Worker's Compensation Insurance.
Costs that vary depending on the volume of output are known as variable costs and can be noticed on the income statement. They differ depending on the quantity generated or the number of units made. Materials and direct labour are two examples of variable costs.
On the other hand, fixed costs are expenses that don't change based on the volume or number of units produced. Utility costs and rent are two examples of fixed expenses.
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assuming the kiddie tax applies, what amount of a child's income is subject to the kiddie tax? a) all of the child's income b) all of the unearned income c) the net unearned income d) taxable income less the standard deduction
Answer:
(B)
Explanation:
The first $1,110 of a child's unearned income is tax-free, and the next $1,110 is subject to the child's tax rate. Any additional earnings above $2,200 are taxed at the child's parents' marginal tax rate.
Genevieve really wants to know more about programming and has been taking classes on EdX after work and on weekends. Her work does not require her to be able to code, but she is proud of herself for learning how to do it anyway. Genevieve is _________ motivated.
intrinsically
Her programming work does not require her to be able to code, but she is proud of herself for learning how to do it anyway. Genevieve is intrinsically motivated.
Programming is the technique of creating a fixed of commands that tell a computer the way to carry out a project. Programming can be executed using a selection of laptop programming languages, such as JavaScript, Python, and C++.
Programming calls for great knowledge of programming talents and properly software program development tools to manage them in a higher manner.
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FILL IN THE BLANK. ___ refers to the sales step in which a salesperson asks the customer for an order. prospecting demonstration approach closing handling objections
sales promotion refers to the sales step in which a salesperson asks the customer for an order. prospecting demonstration approach closing handling objections.
A temporary campaign or offer used by a company to spur interest in or demand for its good or service is known as a sales promotion.
There are many reasons why a company might decide to use a sales promotion (or "promo"), but increasing sales is the main driver. Increased sales may be required to meet a deadline or spread the word about a new product.
Let's examine various sales promotion types in more detail, as well as the benefits and drawbacks of each.
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Which inventory costing method most closely approximates current cost for each of the following?
a. Ending Inventory (FIFO), Cost of Goods Sold (FIFO)
b. Ending Inventory (FIFO), Cost of Goods Sold (LIFO)
c. Ending Inventory (LIFO), Cost of Goods Sold (FIFO)
d. Ending Inventory (LIFO), Cost of Goods Sold (LIFO)
The inventory costing method most closely approximates current cost is ending Inventory (FIFO), Cost of Goods Sold (LIFO) (option B).
What is FIFO and LIFO?LIFO means last in first out. It means that it is the last purchased inventory that is the first to be sold. When LIFO is used, the cost of goods sold would be made up of goods that were most recently purchased so it would reflect current cost. Ending inventory would be made up of earlier purchased goods.
FIFO means first in, first out. It means that it is the first purchased inventory that is the first to be sold. When FIFO is used, the cost of goods sold would be made up of goods that were purchased the earliest. Ending inventory would be made up of the latest purchased inventory. It would most reflect the current cost.
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1. A company has $6582 to give out in bonuses. An amount is to be given out equally to each of the 32 employees. (a) a manager, jake, reasoned that since 32 goes into 64 twice, each employee will get about $2000. Is his estimate correct? why or why not? (b) how much will each employee receive, rounded to the nearest whole dollar? leave the remainder undivided. Show your work.
His estimate is incorrect, since he has increased a figure to the amount that each employee would receive. Rounded to the nearest dollar, each employee would receive $ 209.
Employee is a term for employees and managers who work for a company, organization or community. These people are employees of the organization. Generally speaking, anyone who is hired by an employer to perform a particular job in exchange for remuneration is an employee, but there are different types of employees.
In some countries, employers are required by law to do certain things, such as following minimum wage laws, providing a safe workplace, and sometimes paying taxes. Employers must also provide their permanent employees with benefits, such as health insurance payments. For this reason, some employers prefer to hire independent contractors to do the work instead of regular employees.
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discuss how to apply the quality management model in the development of a new program like teen obesity.
An company, product, or service is consistently functional thanks to quality management. Quality planning, quality assurance, quality control, and quality improvement are its four key parts.
The goal of quality management is to improve both the product and service quality as well as the methods utilized to do so. To achieve more consistent quality, quality management therefore employs quality assurance and control of both processes and products. A component of quality management is quality control. Quality is determined by what a consumer wants and is willing to pay for. It is a verbal or written pledge made to a consumer in the market, whether they are well-known or not. The degree to which a product fulfils its intended purpose is a measure of quality.
A framework for understanding the interaction between personal and environmental influences on behavior is provided by the social ecology model (SEM). The SEM has been used to examine pediatric obesity treatments and identify factors that have an effect on behavior at every level.
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suppose that a bank has loaned money to two businesses: a trustworthy computer manufacturer and a risky mining venture. unfortunately, the mining venture fails, and the mining firm goes bankrupt. the bank has no insurance for this situation. now, on its balance sheet, the bank has more liabilities than assets.
Yes, the bank has more liabilities than assets because the mining venture failed.
In order to preserve liquidity, enable lending, and keep sound balance sheets, banks undertake liability management, which involves keeping a balance between the maturities of their assets and obligations. Liabilities in this context include money from depositors as well as cash borrowed from other financial organizations. These funds are managed by a bank that employs liability management, which also protects against changes in interest rates. Liability management lessens the likelihood of a mismatch. Because of illiquidity or fluctuations in interest rates, a bank may experience a mismatch between assets and obligations.
A bank is required to charge interest on loans as well as pay interest on deposits. Bankers monitor the net interest margin, or the difference between interest received on loans and interest paid on deposits, to control these two factors.
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organizations conduct to identify the differences between the business requirements that emerge from strategic planning and the capabilities of the chosen enterprise resource planning system.
Organizations conduct a gap analysis to identify differences between their business needs resulting from strategic planning and the capabilities of their chosen enterprise resource planning system.
What is gap analysis and its example?Gap analysis is the process companies use to compare current performance with desired and expected performance. This analysis is used to determine whether companies are meeting expectations and using resources effectively.In an ERP implementation, this means taking a closer look at the software you're using or plan to use.For example, if a company wants to launch a marketing campaign to improve its reputation or apply for credit, it can conduct a market gap analysis to determine the impact on the local economy and use that data as part of the campaign or credit application. What tools are used for gap analysis?A variety of tools can be used for gap analysis, including: SWOT analysis, McKinsey 7s model, Fishbone diagram, Joint Nadler-Tushman model, PERT technology, Burke-Litwin change model.
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A depository institution takes deposits from ______ and earns most of its income by _______.
What are three advantages of exporting?.
The advantages of exporting are it provides greater access to clients and companies, increases market prospects and increases the lifespan of already-developed items.
Access to additional clients and companies. If you're just operating in this country, you could be cutting down on the overall amount of money you could make from possibilities to grow your company internationally.Increasing your market prospects can help ensure that, even if the home economy starts to deteriorate, there will still be expanding markets for your products and services.Increasing the lifespan of developed items. You can introduce your products and services to new markets abroad if the domestic market for them appears to be saturated.Learn more about exporting:
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What makes Ford a successful business?.
The secret of Henry Ford's success is
his ability to clearly express a vision and
persuade others to join him in pursuing that goal.
Henry Ford, a prominent supporter of the
assembly line technique of mass production and the founder of the Ford Motor Company, was an American businessman and billionaire who lived from July 30, 1863, to April 7, 1947. He created the first automobile that middle-class Americans could buy, turning the vehicle from an expensive luxury into an inexpensive means of mobility that had a big impact on
the 20th century's landscape.
Before his success, however, Ford encountered failure during initial production of his first automobile. His investors got cold feet over Ford’s meticulousness, and he was unable to find solid financial backing for the automobile in his first two ventures. Nonetheless, Ford used the lessons from these failures to instruct his future success as an inventor and a businessman.
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which one of the following statements best describes what has developed in these two modes of musical creativity over the past three centuries?
“Music” is one of the maximum difficult phrases to define, in part due to the fact ideals about music have modified dramatically over time just in Western tradition on my own.
If we observe song in unique elements of the sector, we discover even more variations and thoughts approximately what music is.
Definitions range from practical and theoretical (the Greeks, as an example, defined tune as “tones ordered horizontally as melodies and vertically as concord”) to quite philosophical
“tune is a gadget of communique related to dependent sounds produced by way of contributors of a community that communicate with other individuals” Ethnomusicologist John Blacking pronounces that “we will pass in addition to say that tune is sound that is humanly patterned or prepared” (1973), overlaying all the bases with a very huge stroke.
A few theorists even consider that there may be no widely wide-spread definition of song due to the fact it's so culturally unique.
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if the economy is at equilibrium, then a contractionary monetary policy will group of answer choices increase unemployment, but have little effect on inflation. increase unemployment and decrease inflation. increase output and increase inflation. have no effect on output, but increase inflation.
An increase in unemployment is a negative side effect of a contractionary monetary policy. Companies recruit fewer people as a result of the economic downturn and decreased production. As a result, the unemployment rate in the economy rises.
What is monetary policy?The Federal Reserve's actions and communications to advance maximum employment, stable prices, and moderate long-term interest rates.
The three economic objectives that the Congress has directed the Federal Reserve to pursue—combine to form monetary policy in the United States.
Reserve requirements, the discount rate, and open market operations are the three instruments the Fed has historically used to implement monetary policy.
The actions performed by a nation's central bank to manage the money supply in order to maintain economic stability are referred to as monetary policy.
For instance, policymakers use instruments like interest rates, reserves, bonds, etc. to manage the flow of money in order to increase employment, GDP, and price stability.
The reserve requirement, open market operations, the discount rate, and interest on reserves are the four primary tools that central banks use to implement monetary policy.
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minimizing wasted coverage and customizing the message based on feedback are advantages of
Minimizing wasted coverage and personalizing the message based on feedback match the advantages of advertising.
What is effective advertising?It will be that message that communicates about the advantages of certain products or services of a company in line with the values and needs of the potential public.
Therefore, advertising can be measured through conversion rates, sales growth and digital metrics, allowing marketers to minimize spending on media that do not reach consumers and customizing the message according to the public's perception.
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true or false: financial management is only concerned with items involving cash. true false question. true false
This claim is untrue. Financial management also includes the management of credit, loans, and stock.
What is financial management?Anything related to getting money and properly using it is also known as corporate finance, managerial finance, and business finance. A method of making decisions that involves organizing, obtaining, and using money in a way that satisfies the organization's objectives.
What constitutes financial management's fundamental components?The majority of financial management plans will divide them into four categories that are widely accepted in financial management. Planning, controlling, organizing & directing, and decision-making are these four components.
What function does financial management serve?Financial managers typically keep an eye on a company's finances and work to maintain its sustainability. They oversee crucial tasks like keeping tabs on cash flow, figuring out profitability, controlling spending, and creating reliable financial data.
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