在学校里，老师布置了一个小组作业，要求共同完成一份研究报告。小组成员包括 A、B、C、D 和 E。由于没有明确的分工，也没有对个人贡献进行考核的机制，A 同学心想反正大家一起做，自己便减少了投入。在讨论环节，A 同学经常走神或者玩手机，在收集资料阶段也是敷衍了事。其他成员可能也有类似的想法，结果导...
Secured debt is a type of debt where there is an asset attached to it. If you fall behind on secured debts, you can lose those assets, like your house or car. If you fall behind on unsecured debts, such as student loans and medical bills, it’s arguably far less of a serious...
A high-yield savings account rewards you with a higher interest rate than a traditional savings account, allowing your money to grow faster. The interest rate that these accounts offer is known as the annual percentage yield (APY). The higher your APY, the faster your money grows. In any ...
Virtually every country has enacted some sort of data privacy law to regulate how information is collected, how data subjects are informed, and what control a data subject has over their information once it is transferred. Failure to follow applicable data privacy laws may lead to fines, lawsuits...
IRS Form 990 is an informational tax form that tax-exempt organizations are required to file annually to provide the IRS with an overview of the organization's activities, governance, and detailed financial information. Most tax-exempt organizations that have gross receipts of at least $200,000 ...
Here's an example of a minimum-payment table where the minimum payment is $25, the interest rate is 21% and the statement balance is $1,000. Minimum Payment Warning If you make no additional charges using this card and each month you pay... You will pay off the balance shown on thi...
In our network representation, a large number of possible networks translates into a large number of possible configurations that can be attained by the social organization. Thus, we can use entropy to characterize the potentiality of the social organization, that is, its ability to attain these ...
Thecover letter headeris one of the first parts of a cover letter that the hiring manager sees, so you need to get it right. Your cover letter header should include: Your contact information—including your name, email address, and phone number. Your mailing address, branding statement, and...
Minimum unit pricing (MUP) is an intervention that raises the price of the cheapest alcohol to reduce alcohol consumption and related harms. There is a growing literature on industry's influence in policymaking and media representations of policies, but relatively little about frames used by key ...
Here are some of the pros and cons you should weigh when considering refinancing: Pro: You could lower your monthly payment. Once of the obvious benefits of refinancing your mortgage is that you could secure a lower interest rate that would, in turn, lower your monthly payment. Pro: You...