A big box store offering to sign you up for free as a rewards member that gets occasional discounts if you fill out two sheets of information is considered a type of hurdle because: your current service is inferior. there is group pricing for members. there is a financial cost for the reward. there is a time commitment needed to join.

personal finances one uses a budget to know what monies is entering and monies that are being invested ion that is needed to be tracked and/or documented can be put into Excel to give the creator and their com inamces handled for operations. The arrangement of the columns and rows are places that information is pl on easier to read and even calculate. I do not think I ever used colors for the cells before. I have used borde tention to specific areas of a budget. Some of the expenses to be included on a budget created through Exce age, groceries, and monthly expensives. It is a great idea to prioritize and list in the columns according to ho are and how soon they may be due. Some of the functions used that I think are very helpful are the charts a hey give a better visual display for where the resources are going. This helps the person or company to make

"In addition, she said banks operating in Africa need to have a more end-to-end approach to risk management, considering bankability at all stages." As a followe up to Question 1 above and in addition to the solutions recommended in the anticle, recornmend how Southern African financial institutions can improve their risk management strategy.

(b) A dealer purchased some goods marked at ₹ 2,000 at a discount of \( 20 \% \) and \( 5 \% \). He sells the same at a discount of \( 15 \% \) and \( 5 \% \). Find the amount of gain or loss to him.

se a separate plece of A4 paper and do the following calculations (use a colculator to hatp ou): Calculate the final amount which I shall have available if I invest \( R 8000 \) for 5 years at \( 11 \% \) p.a. simple interest.

Sharapova Wholesalers offers Umhlanga Traders credit terms of 30 days but the wholesaler will allow a discount of \( 2 \% \) if the account is settled in full within 12 days Use the information given above to determine the cost to Umhlanga Traders (as a percentage) of