Answer:
The Annual Percentage Rate, APR = 1.07%
Explanation:
The annual percentage rate (APR) for a loan is the amount payed annually as interest which is specified as a percentage of the balance of the loan
The given parameters are;
The cash price for the car the Colvilles are buying = $35,000.00
The amount of down payment they will make = 20% or $5,000
The will cover the balance by installment loan
The number of monthly with which the loan will be repaid, n = 48 monthly payment
The amount of the monthly payments, M = $651
The balance which will be taken on loan, P = 35,000.00 - 5,000 = 30,000
The balance which will be taken on loan, P = $30,000
[tex]APR = \left(\left(\dfrac{\dfrac{Fees + Interest}{Principal} }{n} \right) \times 12\right) \times 100[/tex]
[tex]APR = \left(\left(\dfrac{\dfrac{ I}{P} }{n} \right) \times 12\right) \times 100[/tex]
Therefore;
The interest paid over life of loan, I = M × n - P
∴ I = 651 × 48 - 30,000 = 1,284
Therefore, we have;
[tex]APR = \left(\left(\dfrac{\dfrac{ 1,284}{30,000} }{48} \right) \times 12\right) \times 100 = 1.07 \%[/tex]
The Annual Percentage Rate APR = 1.07%
What is a framework that allows the implementation of Agile in an organization?
Scrum is one of the most well-known Agile frameworks for teams. The Scrum Guide defines Scrum as, “…a framework within which people can address complex adaptive problems, while productively and creatively delivering products of the highest possible value.”
Scrum is characterised as a methodology that facilitates teamwork. Scrum employs the idea of the team improvising to learn from experiences, self-organizing, and considering the gains and losses in a team. With all other scrum frameworks and scrum versions, it is used with 66 percent. Therefore, the Agile Framework is utilised to divide work into manageable chunks for team focus and straightforward testing. When a scrum master runs across opposition from outside the scrum team, one way the master can do is collaborate with other scrum masters to tout the efficacy of the Scrum software within the given Organization.
What is a framework that allows the implementation of Agile in an organization?
-Design Thinking
-Scrum
-Waterfall
-DevOps
-I don't know this yet.
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A high average inventory value reduces the chances of inventory obsolescence.
a. True
b. False
False, A high average inventory value does not reduce the chances of inventory obsolescence.
An estimation of the worth or quantity of a certain commodity or group of goods over two or more specified time periods is known as average inventory. By averaging the beginning and ending inventory values throughout a certain time period, average inventory is the mean value of inventory during that time period, which may differ from the median value of the same data set. The value of all the products that are in stock and ready to be sold, as well as all the raw materials used to make those products, is known as inventory. Since it enables them to better manage their total business in terms of sales, costs, and relationships with their suppliers, successful inventory management is a crucial focus for businesses.
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a newspaper article reports city council approval of the following projects for an area of town in which you are considering investing. which item might indicate increased property tax expenses in the near future?
Widening a major artery is the item might indicate increased property tax expenses in the near future.
What is property tax? Why property taxes are increased in future?Property tax is a tax on real estate or personal property that is based on the assessed value of the property. It is usually calculated on an annual basis and is typically paid to local governments or municipalities. Property taxes are used to fund public services such as schools, libraries, parks, and infrastructure.Property taxes are typically increased in the future to fund local government services, such as public schools, police, and fire departments. Local governments may also increase property taxes to cover rising costs of services, such as healthcare and infrastructure. These increases are often necessary to meet the needs of a growing population, as well as to make up for lost revenue due to declining property values.To learn more about tax refer to:
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if buyers believe that 50% of used refrigerators in the market are lemons (low quality), what fraction of used refrigerators sold will actually be lemons (low quality)?
Even when consumers do not have the time or expertise to assess the quality of products, they can make useful inferences about a product's quality from the length of its warranty.
What Is the Lemon Law for Refrigerators?
Under state or federal Lemon laws, you may be qualified to file a consumer claim. The intricacies of acquiring cars, trucks, and similar vehicles are directly tied to state lemon laws, which are present in all 50 states.
However, consumers who have suffered losses as a result of faulty dishwashers and refrigerators may still be able to file a lawsuit under the federal Magnuson-Moss Warranty Act.
One could claim that their warranty has been violated if they have attempted to repair their appliance multiple times during the guarantee's duration and are still dealing with downtime and other product issues.
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when creditors analyze an organization's days' cash on hand, they prefer to see a a.higher number of days that indicates a lower liquidity. b.lower number of days that indicates a lower liquidity. c.higher number of days that indicates a higher liquidity. d.lower number of days that indicates a higher liquidity.
The statement makes it clear that when creditors look at an organization's days of cash on hand, they would prefer to see a bigger number of days since it denotes greater liquidity.
What is the accounting definition of cash?Cash is a term used in accounting and finance to describe immediately usable money (currency). It might be stored physically, retained digitally, or put into a quick money-market instrument. Cash only refers to currency that is physically present while discussing economics.
What is money?Money that is in the type of currency, such as coins, banknotes, and currency notes, is referred to as cash. An account type known as a demand deposit allows money to be retrieved at any period with informing the institution.
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jimmy must be at work no later than 7:00 a.m. on the days he works. because he must hurry to get to work, he runs over a lady going across the street. she sues jimmy and his employer for her injuries. she has:
Jimmy has to be at work by 7am on working days. As he has to rush to work, he is run over by a woman crossing the street. She is suing Jimmy and his employer for injuries. she has a lawsuit against Jimmy, but not against his employer.
Can I sue my employer for workplace injury in California?Generally, you cannot sue your employer for work-related injuries, including those from slips and falls. Instead, you should apply for workers' compensation through the California Workers' Compensation System. In California, the statute of limitations for personal injury is usually two years from the date of injury.
How do you file a complaint against an employer in Florida?In most cases, you cannot sue your Florida employer for work-related injuries. However, there are some exceptions where you can sue your employer. There are two ways to complain to the DOL (Department of Labor). You can visit website at DOL to find the office closest to you, or call 1-866-4USWAGE to make a claim.
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Does the method for calculating credit scores seem fair to you? Why or why not?
Credit scores are primarily determined by your payment history, credit utilization, average age of your accounts, account mix, and frequency of credit applications (inquiries).
What is the method for calculating credit scores ?While each of these factors is significant, they are not all given the same weight by the hundreds of credit scoring models in use today.
Your financial situation does not always factor toward your credit score. Rent and utility payments are frequently not recorded to credit bureaus, so even if you have been making them on time for years, you may still not have a credit history. This might be particularly challenging for young people or newly arrived immigrants.
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Are there price controls in a free market?
Government pricing controls are frequently necessary in a free market. They are frequently applied as a direct economic intervention strategy to regulate the price of specific goods and services, such rent, gas, and food.
One type of economically essential intervention is price controls. They are commonly used to help steer the economy in a certain direction and are meant to bring down prices for consumers. For instance, it could be considered that some restrictions are necessary to keep inflation in check. Price controls are the opposite of market forces, which result in prices set by producers based on supply and demand. Price limitations are regularly imposed on consumer essentials. Restrictions set by the government may have minimums or maximums. Price floors are the lowest prices, whereas price ceilings are often referred to as price limits.
Price controls may be put in place to ensure affordability and economic stability, but they may also have the opposite effect. Price controls have a history of resulting in problems over time, such as shortages, rationing, a drop in product quality, and the creation of underground markets to sell the price-controlled goods through unauthorised channels.
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Why does an entrepreneur needs to be flexible?
Being bendy as an entrepreneur can supply you with an essential aggressive edge. It helps you to take advantage of opportunities as and when they arise.
Why is flexibility essential for success?Being bendy skill you are willing to adapt to conditions and make modifications to find solutions. Think about the organizations and eating places that tailored shortly to the pandemic.
They had a choice: to be ingenious and get creative, or close. Apply the equal standpoint to your problems.
Why do entrepreneurs need to be adaptable?Adaptibility is making clever changes when challenges arise. It's a attitude that allows entrepreneurs (like you!) to navigate new situations and the inevitable bumps and curves in the ride of life.
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https://brainly.com/question/8358477#SPJ4What is the most important goal of financial management?
The goal of financial management is to maximize shareholder wealth.
Financial management is the business function concerned with profitability, expenses, cash, and credit in order for the "organisation to have the means to carry out its objective as satisfactorily as possible," with the latter often defined as maximising the firm's value for stockholders. Financial management is the practise of handling a company's finances in such a way that it can be successful while remaining compliant with regulations. That necessitates both a high-level strategy and hands-on execution.
Most financial management plans will divide them into four elements that are widely recognised in financial management. Planning, controlling, organising and directing, and decision making are the four elements.
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which of the following statements is the most accurate? an annual average reading of less than 4 pci/l is an acceptable level of indoor radon.an annual reading of 12 pci/l is an acceptable level of indoor radon, if one does not smoke.an annual reading of 100 pci/l would not pose a health risk as long as some abatement work was done within 5 -10 years.an annual radon reading of over 200 pci/l would indicate that immediate death is certain.
Radon is a radioactive gas that has no smell, colour or taste. Radon is produced from the natural radioactive decay of uranium, which is found in all rocks and soils. Radon can also be found in water.
What are radio active gases ?
Any one of the three radioactive inert gases (actinon, thoron, and radon) that contribute to atmospheric ionisation by the ionising action of the alpha particles that they each emit upon disintegration.
These three gases all have an atomic number of 86, making them isotopic to one another. They belong to different families of radioactive elements, but they all originate from and decay through alpha emission. They develop as salts or minerals in the spaces between soil or porous rocks that retain their respective parent atoms. They reach the surface layers through exhalation.
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Who do interest groups represent quizlet?
Before their government, interest organizations speak on behalf of the people. By identifying these issues, interest organizations effectively reflect the concerns of their members in the political process. Interest groups provide a forum for political participation.
How do interest groups function? They stand for what, exactly?In order to pursue shared political goals, individuals form groups known as interest groups. They often focus their efforts on one specific area of policy, in contrast to political parties, who must address every issue on the public agenda.
Who speaks on behalf of interest groups and what are their names?Professional lobbyists work to sway laws, regulations, or other governmental acts, decisions, or policies on behalf of an organization or individual who pays them.
What is an interest group's principal goal?An interest group's main goal is to sway public policies in favor of the group's members or their own interests. The general public and decision-makers are informed, among other things, about the problems that these organizations are attempting to solve.
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What are 2 renewable resources?
Future prospects are bright thanks to sustainable energy sources including hydrogen, solar, and wind.
What renewable resources ?Natural resources that, after being used up, can be replenished or grown back to their original levels are known as renewable resources. Resources that are only partially renewable are those whose exploitation eventually reaches a point at which regeneration is rendered impossible.Utilizing renewable energy has both economic and environmental advantages, such as producing energy with no greenhouse gas emissions from fossil fuels and reducing some forms of air pollution. increasing energy supply diversity and decreasing reliance on imported fuels.To learn more about renewable energy refer,
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Do subdomains have DNS records?
A DNS record for a hostname that is part of your domain is referred to as a subdomain. Simply add the DNS record for the subdomain using our DNS record editor.
Organizational needs are the key motivation for marketers and people to use a subdomain.
If you use a single domain to host your website, host different records for other tools and services your business uses, as well as all the different records that are generally connected with a workspace under a specific name, the DNS of a domain can become quite cluttered very fast.
If two entries clash or a lookup address expires, DNS can easily break.
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What do subject-matter experts do to support data-driven decision-making?
SMEs are essential in helping to interpret the data and provide context and insights that can help inform decision-making.
Data-driven decision-making is becoming increasingly popular as organizations seek to make decisions that are based on evidence rather than guesswork. SMEs can provide the necessary expertise to identify trends and patterns in the data, as well as explain how these trends might affect the organization.
SMEs are also invaluable in helping to identify potential issues or red flags that may arise from the data. By using their expertise and knowledge, SMEs can help to identify any potential risks or problems that may need to be addressed.
In addition to interpreting data, SMEs can also guide how to best use the data to make decisions. They can help to evaluate different options and weigh their pros and cons, as well as provide advice on the best way to use the data for decision-making purposes.
In short, SMEs are essential to data-driven decision-making as they provide the necessary expertise and guidance to make informed decisions based on data. Without SMEs, data-driven decision-making would be impossible, leaving organizations to rely solely on guesswork and intuition.
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Is Tay-Sachs a point or frameshift mutation?
Yes Tay-Sachs is a point or frameshift mutation.
Explain frameshift mutation ?The insertion or deletion of nucleotide bases in amounts that are not multiples of three is referred to as a frameshift mutation in a gene. This is significant because a cell reads the genetic code for proteins in groups of three nucleotides. These so-called "triplet codons" each stand for one of the 20 different amino acids that go into making a protein. The entire gene sequence after the mutation will be misread if a mutation alters this regular reading frame. This may lead to the incorrect amino acids being added to the protein or the development of a codon that prevents the protein from getting longer.
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What is the 3 name of entrepreneur?
There are three essential sorts of entrepreneurs: The Creator, The Builder, and The Operator.
What are the three 3 major significance of entrepreneurship?Basically, entrepreneurs are the pioneer of bringing new applied sciences and systems that subsequently bring modifications to society. These changes are associated with elevated lifestyle, generous thinking, better morale, and greater monetary choice.
What are the three private entrepreneurial characteristics?Three Characteristics of Entrepreneurs
Researchers at the Harvard Business School have recognized three core characteristics to appear for in entrepreneurs: their persona traits, attitudes towards risk, and their desires and aspirations.
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https://brainly.com/question/8358477#SPJ4bacia has produced 1,500 jars of strawberry jam, using homegrown strawberries from her farm. by concentrating her efforts on advertising and publicity, she is trying to encourage people to notice and buy her product. through her promotional activities, bacia is primarily engaging in the marketing function of
Since Bacia is concentrating her efforts on advertising and publicity, she is trying to encourage people to notice and buy her product. through her promotional activities, Bacia is primarily engaging in the marketing function of selling.
What role do purchasing and selling play in marketing?The main activity in concentration is buying, whereas the main activity in dispersion is selling. The two main stages of the marketing process—concentration and dispersion involve transportation, storage, standardization and grading, funding, and risk-taking.
Therefore, a component of marketing, selling entails getting in touch with potential clients and following up on sales leads. It's crucial for marketing experts to chase sales leads subtly because doing so enables them to develop connections with future clients.
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which of the following is not a characteristic evaluated in ratio analysis? a.liquidity b.marketability c.profitability d.solvency
B) marketability When analyzing financial statements, analysts use ratio analysis, horizontal analysis, and vertical analysis.
One of the many financial analysis methods that analysts and potential investors use to evaluate various companies in a given industry is the financial ratio analysis, which is used in accounting. The horizontal and vertical analysis techniques are the other methods of analysis.
The process of comparing the relationship (or ratio) between two or more pieces of financial data from a company's financial statements is known as financial ratio analysis. It is primarily used to make accurate comparisons across time and between various businesses or industries.
Which four financial ratios are they?Benefit proportions.Ratios of liquidity.Ratios of solvency.multiples or value ratios.To learn more about financial ratio analysis here:
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Issue ownership refers to ______.
Issue ownership refers to a theory in political science that contends that if people believe a political party is the most qualified to address a certain issue, then that party has ownership of that subject.
Ownership is the right to use, possess, and contribute anything. Ownership can be used to describe both tangible objects, such as real estate and personal property, as well as intangible ones, such as intellectual property rights.
According to the political science concept of issue ownership, politicians are said to own a problem if voters think they are the party most able to solve it. A party is thought to do better when the causes it supports are at the heart of the electoral process. It does not entail that one must do every task or avoid bringing up issues with superiors.
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under which market conditions is there deadweight loss associated with the profit-maximizing output? check all that apply.
When supply and demand are out of equilibrium, a deadweight loss arises, which impairs the efficiency of the market. When items on the market are either overpriced or undervalued, market inefficiency results.
Deadweight loss is the market inefficiency brought on by over- or underproduction of products and services, which lowers the overall economic surplus. Deadweight losses may be brought on by taxation, monopolies, price floors, and price limits, among other things. By producing the amount where marginal income and marginal cost overlap, a monopolist maximises profit. As a result, society loses weight and there is a transfer of value from the consumer to the monopolist. Consumer surplus is much lower than it would be in a market with perfect competition because monopolistic companies set prices higher than marginal costs. Deadweight is lost as a result, and the economic surplus is reduced overall.
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What are the three C in credit?
Character, Capacity and Capital
Those who someone may be looking into getting a loan from will assess the riskiness of lending to that individual based on these^ characteristics, and then decide whether or not to approve or deny the loan request.
on september 12, fang company sold merchandise of $5,800 to brown company, with credit terms of 2/10, n/30. the cost of the items sold is $4,000. fang uses the perpetual inventory system and the net method of accounting for sales. on september 14, brown returns some of the merchandise. the selling price of the merchandise is $500 and the cost of the merchandise returned is $350. brown pays the invoice on september 18 and takes the appropriate discount. the journal entry that fang makes on september 18 is:
Using the perpetual inventory system and the net method of accounting for sales, on September 18, the journal entry that Fang Company makes is as follows:
Journal Entry:Sept. 18:
Debit Cash $5,194
Credit Accounts Receivable (Brown Company) $5,194
(To record the receipt of cash on account from Brown.)
What is the perpetual inventory system?Under the perpetual inventory system, inventory transactions are recorded as they occur and not at the end of the financial period.
What is the net sales method?Under the net sales method, discounts are deducted when sales are recorded and not when payments are received with appropriate adjustments if there are sales returns and allowances.
On the other hand, the gross sales method does not deduct the sales discounts until payments are received.
Transaction Analysis:Sept. 12: Accounts Receivable (Brown Company) $5,684 Sales Discounts $116 Sales Revenue $5,800
Credit terms of 2/10, n/30
Cost of goods sold $4,000 Inventory $4,000
Sept. 14: Sales Returns $500 Accounts Receivable (Brown Company) $490 Sales Discounts $10
Inventory $350 Cost of goods sold $350
Sept. 18: Cash $5,194 Accounts Receivable (Brown Company) $5,194
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what are some of the responsibilities of a city manager? select all that apply.(select all that apply.)
Answer:
responsabilities of a city manager
Explanation:
Un administrador de la ciudad es responsable de las operaciones diarias de una ciudad.Esto incluye la gestión del personal, el presupuesto y la planificación, la supervisión de la infraestructura y los servicios y el mantenimiento de la seguridad pública.Un administrador de la ciudad también suele liderar el esfuerzo para atraer negocios y residentes al área. Una descripción típica del trabajo de un administrador de la ciudad puede incluir: • Administrar personal • Planificación y presupuesto • Supervisar la infraestructura y los servicios • Mantener la seguridad pública • Liderar los esfuerzos para atraer negocios y residentes del área. Las responsabilidades de un administrador municipal varían según el tamaño de la ciudad, pero generalmente incluyen liderar una organización con un presupuesto anual superior a los $100 millones.
english: A city administrator is responsible for the daily operations of a city. This includes personnel management, budget and planning, supervision of infrastructure and services, and maintenance of public safety.A city administrator also often leads the effort to attract businesses and residents to the area. A typical job description of a city manager may include: • Managing staff • Planning and budgeting • Overseeing infrastructure and services • Maintaining public safety • Leading efforts to attract businesses and area residents. The responsibilities of a city administrator vary depending on the size of the city, but usually include leading an organization with an annual budget of more than $100 million.
How can an individual shape public policy?
In contrast to other forms of governance, Western-style democracies are unique in how they formulate public policy.
What are the factors that shape the development of public policy?Through advocacy, education, or the mobilization of interest groups, individuals and organizations frequently try to influence public policy. Clearly, Western-style democracies differ from other types of government in how they shape public policy.
Public opinion, economic situations, new scientific discoveries, technical advancements, interest groups, non-governmental organizations (NGOs), commercial lobbying, and political action are just a few of the variables that have an impact on public policies.
By being knowledgeable about pertinent developments, circumstances, and actors, such as financial considerations, political considerations, and public opinion, you can exert influence. Your choice of definition for the issue will have an impact on whether and how policies need to be created or modified.
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What are the price controls of the market?
Government regulations on wages, prices, or their rates of change are known as price controls. Such restrictions can be imposed by the government on a variety of products and services or, more frequently, on a market for a particular good.
The amount of money that an employer gives an employee for work that is finished within a particular amount of time is known as a wage. A few examples of wage payments include the minimum wage, going rate, annual bonuses, and compensatory benefits like prizes and tip money. Wages are included in the costs of running a firm. No matter how successful the company is, it has a responsibility to the employee. Payment by wage contrasts with salaried work, where the employer pays an agreed-upon sum at regular intervals (like once a week or once a month) regardless of the number of hours worked, commission-based pay, where pay is based on individual performance, and compensation based on the performance of the company as a whole. Employee perks, which are non-cash types of compensation, may also be given to wage earners in the form of tips or gratuities from clients. Since wage labour is the most common type of employment, the term "wage" is occasionally used to refer to all forms of employee pay, including monetary compensation.
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What movement of the government can help the inflation rate?
Contractionary financial strategy is presently a more famous technique for controlling expansion. By raising interest rates, a contractionary policy seeks to reduce an economy's money supply.
By making credit more expensive, consumers and businesses spend less, which slows economic growth.
What measures can the government take to lower inflation?In response to rising inflation, the Federal Reserve has raised interest rates to reduce demand for goods, services, and labor. Output and employment will decrease, price and money wage movements will slow, and core price inflation will eventually decrease if interest rates are raised sufficiently.
Which strategy contributes to inflation control?A contractionary monetary policy is one common method of managing inflation. Inflation can be controlled. A contractionary strategy means to decrease the stockpile of cash inside an economy by bringing down the costs of securities and increasing loan fees.
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In a paragraph response below, describe how the structure and organization of this text affected the listening/reading experience. How did it enhance the message behind the speech?
Text structure gives a text meaning since writers must arrange their work differently based on the type of information they're trying to convey. By comprehending and making use of the text structure while reading, readers can learn important facts and, as a result, the book's overall goal.
What is text structure?Text structures explain the organization of information in writers' texts. By comprehending the fundamental structure of texts, students may focus on key concepts and relationships, make predictions about what will occur next, and keep a record of their knowledge as they read.
A few examples of text structures are sequential, narrative, time, compare/contrast, proposition/support, problem/solution, order/chronology, cause/effect, inductive/deductive, and research.
The structure of academic writing must be sound. Academic writing requires a clear framework and logical flow in order to be coherent.
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Problem situation: alec buys tickets to an amusement park. He buys one adult ticket for $45 and four youth tickets. He pays a total of $137. What is the cost of a youth ticket? complete the equation to represent this situation. The letter t represents the cost of a youth ticket.
A child's ticket costs $23.00.
How do equations work?
a formula that demonstrates the equality of two mathematical expressions.
The young group is traveling to a theme park in a different region of the state. Each member of the group must pay $150 for the excursion, which covers two one-day combo entrance and meal passes and $85 for the accommodation.
a. Create an equation to represent the trip's cost. P should represent the park pass's price. Alec purchases amusement park tickets in light of this. He spends $45 on one adult ticket and $4 on four kid's tickets.
If each juvenile ticket costs c, then
137 = 45 + 4c 4c = 92 c = 23.
As a result, each child ticket is expensive.
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What are the three main areas of risk for Internet safety?
However, they can be broken down into four hazard areas: being exposed to illegal material. Online safety issues cover a wide range of topics.
Which three internet safety measures?Your passwords should never be shared with anybody. Don't overuse passwords that are tough to guess. Maintaining passwords and hint information securely is important. Passwords should be securely kept, either on your computer in an encrypted file or by using another secure method.Which three concepts are the most important for information security?Three basic security principles are essential for internet-based information: confidentiality, integrity, and availability. Authentication, authorisation, and nonrepudiation are concepts that are connected to "users of the information."For more information on internet safety kindly visit to
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