what does it mean when the fed raises interest rates

Answers

Answer 1
What Happens When the Fed Raises Rates?

——> When the Fed raises the federal funds target rate, the goal is to increase the cost of credit throughout the economy.

Related Questions

a. In 2018, manufacturing workers in the United States earned average compensation of $21.86 per hour. That same year, manufacturing workers in Mexico earned average compensation of $3.20 per hour. U.S. manufacturers can possibly compete if multiple choice 1 the product in the United States is specialized. technology is cheaper in the United States. U.S. workers are more productive. some production is done in low-wage countries. b. All manufacturing is not done in Mexico and other low-wage countries because multiple choice 2 there is not enough foreign labor. of trade barriers. shipping costs are too high. consumers want domestically produced products.

Answers

Answer:

a. The correct option is that U.S. manufacturers can possibly compete if U.S. workers are more productive.

b. The correct option is that all manufacturing is not done in Mexico and other low-wage countries because of trade barriers.

Explanation:

a. U.S. manufacturers can possibly compete if

A worker or labor is said to be more productive if it produces or able to produce larger amounts of goods than the other workers or labors.

If the U.S. workers are more productive than the workers in Mexico, the labor cost per unit of goods produced in the US will be lower than the labor cost per unit of goods in Mexico.

Therefore, the correct option is that U.S. manufacturers can possibly compete if U.S. workers are more productive.

b. All manufacturing is not done in Mexico and other low-wage countries because

Trade barriers are restrictions on international trade imposed by the government.

When a country imposes trade barriers, some goods will not be imported into that country even if they are cheaper in terms of average compensation per hour for manufacturing workers than the locally produced goods. As a result, some of the goods have to be manufactured in the country where average compensation per hour for manufacturing workers is the highest.

Therefore, the correct option is that all manufacturing is not done in Mexico and other low-wage countries because of trade barriers.

Choose the correct sentence. A. Influences of expectations and the constant arrival of news about the influences on supply and​ demand, make​ day-to-day and​ week-to-week changes in the exchange rate difficult to predict. B. Changes in the interest rate​ differential, which generally change the demand for U.S. dollars in the foreign exchange market by more than the​ supply, are difficult to predict because it requires predicting changes in foreign interest rates. C. A movement away from interest rate parity sometimes influences traders to act and sometimes does​ not, and it is difficult to know when traders will react. D. Changes in the expected future exchange rate generally change the supply of U.S. dollars in the foreign exchange market by more than the​ demand, but it is impossible to know by how much.

Answers

Answer: A. Influences of expectations and the constant arrival of news about the influences on supply and​ demand, make​ day-to-day and​ week-to-week changes in the exchange rate difficult to predict.

Explanation:

Question is what makes exchange rates difficult to predict?

John and Diana have been married for several years and share a goal of owning a 2nd home on the New Jersey shore in 8 years. They decide to review their financial expenditures monthly to evaluate steps they can take to better save their earnings. Which step of personal financial goals are they most in

Answers

Answer:

Step 5: Implementation and review of the financial plan

Explanation:

Considering the situation described above, the step of personal financial goals in which John and Diana are most in is "Implementation and review of the financial plan"

This is based on the fact that step of personal financial goals is:

1. Establishing and deciding your financial objectives and goals

2. Compiling your financial and personal information

3. Analysing your financial and personal information

4. Advancement and presentation of the financial plan

5. Implementation and review of the financial plan: this stage usually involves the process of income and expenditure adjustments.

Hence, when John and Diana decide to review their financial expenditures monthly to evaluate steps they can take to better save their earnings, they are in step 5 of personal financial goals, which is Implementation and review of the financial plan

The working capital turnover of Tesva Systems Corp. is 6.0. What does this financial data suggest? Question 3 options: For every $6.00 Tesva Systems puts to work, the company incurs a cost of $1.00. For every $6.00 Tesva Systems puts to work, the company realizes sales of $1.00. For every dollar Tesva Systems puts to work, the company realizes $6.00 in loss. For every dollar Tesva Systems puts to work, the company realizes $6.00 of sales.

Answers

Answer:

For every dollar Tesva Systems puts to work, the company realizes $6.00 of sales.

Explanation:

Sun Smarts Solar installs solar panels in large newly constructed buildings. The company employs several expert installers who work on a full-time basis. Although the installation team works every day, the company pays them at the end of the month, for the previous month's work. Employee salaries are recorded as __________ on Sun Smarts's balance sheet.
A. capital cash flows
B. current liabilities
C. retained earnings
D. long-term liabilities

Answers

Answer:

Sun Smarts Solar installs solar panels in large newly constructed buildings. The company employs several expert installers who work on a full-time basis. Although the installation team works every day, the company pays them at the end of the month, for the previous month's work. Employee salaries are recorded as long-term liabilities on Sun Smarts's balance sheet.

Sun Smarts Solar company paid the salaries to their employees at the end of the next month, then the salary of the employees recorded as current liabilities on Sun Smarts's balance sheet.

What are the current liabilities?

Current liabilities are defined as any business liabilities that must be settled in cash during the fiscal year or the operating cycle of a company, whichever term is longer.

In the above case, the Sun Smarts Solar record the salaries of their employees on the balance sheet as the current liabilities, as these salaries will settle in cash within the operating cycle.

Therefore, option B is correct.

Learn more about the current liabilities, refer to:

https://brainly.com/question/14287268

What are the qualifications to become a primary teacher and a secondary? Write them.​

Answers

Answer:

The eligibility requirement for a Primary Teacher in a Government School is Senior Secondary School certificate or Intermediate or its equivalent, and Bachelor of Elementary Education (B. El. Ed.), or Diploma or certificate in basic teachers' training of not less than two years duration.

What is Sheil , ????​

Answers

Answer:

1. a pasture or grazing ground. 2. a shepherd's or herdsman's hut or rough shelter on or near a grazing ground. Also: shealing, shiel.

Explanation:

What's the biggest concern people have about mergers?

Question 8 options:



A: They result in a concentration of power, which can lead to monopolies.




B: They lead to the development of generic brands that produce inferior goods.




C: They drive down the cost of labor, leading to greater unemployment.




D: They lead to greater competition and force businesses to cut corners to stay in operation.

Answers

The biggest concern people have about mergers is that they drive down the cost of labor, leading to greater unemployment.

What is a Merger?

This is defined as an agreement that unites two existing companies into one new company.

When a merger is done, the new company tries to cut down cost of labour thereby leading to unemployment which is the main concern people have thereby making option C the most appropriate choice.

Read more about Merger here https://brainly.com/question/1086715

Answer: the answer is they "result in a concentration of power, which can lead to monopolies."

Explanation: i just took the test !

Sometimes events on Salesforce need to be handled by an external system due to the scale or type of process being executed. Consider the use case of a user in Salesforce needing to get pricing for an order they are building in Salesforce while on the phone with a customer. The pricing logic already exists in a third-party system. Instead of creating this logic in Salesforce, it will be leveraged by making a request of the third-party system. The response, in this case the pricing, will be returned and stored back in Salesforce. What is the optimal solution

Answers

Answer:

A trigger that upon saving

customer order, will make a real time callout saving the pricing back in Salesforce

Explanation:

Salesforce a software that is used to organise customer interactions in such a way that transactions between the company and customer is effectively managed by the software.

In the given scenario pricing needs to be handled by an external system. The response will be returned and stored back in Salesforce.

Instead of doing this manually the best solution will be to have an trigger that starts a real-time callout, saving the pricing back in the salesforce.

An trigger allows one to perform customised actions before or after an event. The action can be an update or deletion.

Angie needs a new dishwasher. She saw a great sale on the model she wanted and went down to her local appliance store. When she got there, the store owner said that they no longer had that dishwasher, but they would be happy to sell her a different model at a higher price. Why might the Federal Trade Commission be willing to look into this?

A.
It is false advertising.

B.
It is creating an invalid debt.

C.
It is preventing fair competition.

D.
It is an improper debt collection.

Answers

Answer:

A. It is false advertising.

Explanation:

Advertisement refers to the promotional multimedia messages designed and developed to make the products or services of a company known to its customers and potential customers.

The Federal Trade Commission (FTC) is an agency of the government of the United States of America saddled with the responsibility of promoting consumer protection and the enforcement of all civil antitrust laws.

Basically, the laws formulated or established by the FTC are to provide protection for consumers of various goods and services while requiring that businesses do not make false claims about them.

Furthermore, the consumer protection laws enforceable by the Federal Trade Commission (FTC) guarantees truthful information in the marketplace at all times. This is achieved by requiring that business firms only make claims about their products and services that can be proven.

In this scenario, the Federal Trade Commission might be willing to look into this issue (advert of the dishwasher model) because it is false advertising.

The nature of the Federal Reserve can best be described as follows: a A blended public-private institution. b The Fed branches and the Board of Governors are private enterprises, but a federal oversight committee in Congress advises the Fed. c A private corporation with no government presence. d The Fed branches are owned by the government, but the Board of Governors are private citizens. e A government agency with no private presence.

Answers

The correct answer is B) The Fed branches and the Board of Governors are private enterprises, but a federal oversight committee in Congress advises the Fed.

The nature of the Federal Reserve can best be described as follows:

The Fed branches and the Board of Governors are private enterprises, but a federal oversight committee in Congress advises the Fed.

The Federal Reserve is the Central Bank within the United States. The role of the Fed is to promote economic growth and stability by enacting monetary policy. The Federal Reserve Act of 1913 established the Federal Reserve system to avoid consumer panic.

The Federal Reserve plays a key role in helping control inflation because it keeps the money supply stable in order to maintain low inflation. Its role in the US economy is very important to maintain a healthy financial and monetary system. The monetary policy of the Fed allows the control and the supply of money to maintain the stability of the economy. This control is very important in order to maintain proper levels of inflation so prices do not increase.

A firm has a debt-to-equity ratio of 0.50 and debt equal to $35 million. The firm acquires new equipment with a 3-year operating lease that has a present value of lease payments of $12 million. The most appropriate analyst treatment of this operating lease will: increase the debt-to-equity ratio to 0.57. leave the debt-to-equity ratio unchanged at 0.5. increase the debt-to-equity ratio to 0.67.

Answers

Answer:

($35 million + $12 million) / $70 million = 0.6714

Explanation:

During the 1920s and early 1930s, the Rosedale Shoe Factory was able to prevent workers from forming a union by requiring them to sign an employment contract in which they agreed not to join a union as a condition of employment. Rosedale Shoe Factory was making use of

Answers

Answer:

yellow-dog contracts.

Explanation:

A yellow-dog contract required workers to agree not to join a union as a condition of employment. This type of contract was declared illegal by the Norris-LaGuardia Act in 1932.

Dazzle, Inc. produces beads for jewelry making use. The following information summarizes production operations for June. The journal entry to record June production activities for direct material usage is: Direct materials used $ 100,000 Direct labor used 173,000 Predetermined overhead rate (based on direct labor) 160 % Goods transferred to finished goods 445,000 Cost of goods sold 457,000 Credit sales

Answers

Answer and Explanation:

The journal entry is given below:

Work in process inventory Dr $100,000

   To raw material inventory $100,000

(being the usage of the direct material is recorded)

here the work in process is debited as it increased the assets and credited the raw material inventory as it decreased the assets

The Learner Company uses the weighted average method. Learner's beginning work in process consists of 6,600 units (100% complete with respect to materials and 60% complete with respect to conversion costs). The number of units completed during the period is 126,000. The ending work in process consists of 10,500 units (100% complete with respect to materials and 30% complete with respect to conversion costs). What are the equivalent units of production with respect to conversion costs

Answers

Answer: 129150

Explanation:

Based on the information given in the question, the equivalent units of production with respect to conversion cost will be calculated thus:

Equivalent Units = Units Completed + Units in EWIP × Fraction of conversion cost

= 126,000 + (10,500 × 0.30)

= 126,000 + 3150

= 129,150 units

Therefore, the equivalent units of production with respect to conversion costs is 129150 units

The net income reported on the income statement for the current year was $240,000. Depreciation was $50,000. Accounts receivable decreased by $10,000 and inventories decreased by $30,000. Prepaid expenses increased by $1,000 and accounts payable increased by $8,000. How much cash was provided by operating activities? Select one: a. $337,000. b. $329,000. c. $301,000. d. $321,000.

Answers

Answer:

a. $337,000

Explanation:

Calculation to determine How much cash was provided by operating activities

Using this formula

Cash provided by Operating activities=Net income+Depreciation+Account receivable+Inventories decreased -Prepaid expenses+Accounts payable increased

Let plug in the formula

Cash provided by Operating activities=$240,000 + $50,000 + $10,000 + $30,000 - $1,000 + $8,000

Cash provided by Operating activities=$337,000

Therefore the cash provided by operating activities was $337,000

The marginal cost curve: (1pts) Question 14 - The marginal cost curve: Select d) Is always constant as your answer d) Is always constant Select b) Is equal to the average variable cost curve as your answer b) Is equal to the average variable cost curve Select a) Declines initially as output increases and rises with further increases in output as your answer a) Declines initially as output increases and rises with further increases in output Select c) Rises initially as output increases and declines with further increases in output as your answer c) Rises initially as output increases and declines with further increases in output

Answers

Answer:

a) Declines initially as output increases and rises with further increases in output

Explanation:

Marginal cost can be defined as the additional or extra cost that is being incurred by a company as a result of the production of an additional unit of a product or service.

Generally, marginal cost can be calculated by dividing the change in production costs by the change in level of output or quantity.

On a related note, marginal cost curve is the change in total cost (TC) divided by a change in quantity of output.

The marginal cost curve declines initially as output of a business firm increases and rises with further increases in output.

If you borrow $421 for 9 years at an interest rate of 4%, how much interest will you pay?

Answers

I will assume it as simple interest as nothing is mentioned

SI = (P × R × T)/100

SI = (421×4×9)/100

SI = 15156/100

SI = 151.56

You will pay $151.56

Answered by Gauthmath must click thanks and mark brainliest

If the government uses a quota to restrict imports of​ foreign-made shoes into the​ U.S., A. the price of shoes in the U.S. will​ increase, and U.S. firms will produce fewer shoes. B. the price of shoes in the U.S. will​ decrease, and U.S. firms will produce more shoes. C. the price of shoes in the U.S. will​ increase, and U.S. firms will produce more shoes. D. the price of shoes in the U.S. will​ decrease, and U.S. firms will produce fewer shoes.

Answers

Answer:

c

Explanation:

A quota occurs when the government or an agency of the government limits the quantity of goods that can be imported or exported in a country.

A quota increases the price of goods and services if the quota is enacted by the importing country. This would lead to an increase in producer surplus and a reduction in consumer surplus.

Consumer surplus is the difference between the willingness to pay of a consumer and the price of the good.

Consumer surplus = willingness to pay – price of the good

Producer surplus is the difference between the price of a good and the least price the seller is willing to sell the product

according to the law of supply, the higher the price, the higher the quantity supplied and the lower the price, the lower the quantity supplied.

Producer surplus = price – least price the seller is willing to accept

The increase in price as a result of the quota would lead to an increase in the quantity of the product been supplied. This is in line with the law of supply

1) Companies must consider four special service characteristics when designing service marketing programs. Discuss a recent service experience using the four characteristics.

Answers

Answer: Intangibility, inseparability, variability, and perishability

Explanation:

What makes your business stand out is what you do differently from the rest. In the business world, virtually everyone is doing the same thing, and at the end of the day fight over same customers, but have a unique selling point helps your business stand out. This unique selling poi t is what drives your marketing strategy, which should be Intangibility, inseparability, variability, and perishability. Your unique selling point is made very loud in your message, telling people why they need to use you. An example is Coca-Cola, they've been in the market for a long while, selling their business and creating that message in people's mind that they are exceptional.

Why is the Form W-2 needed in order to file a tax return?

Answers

Answer:

The IRS requires employers to report wage and salary information for employees on Form W-2. Your W-2 also reports the amount of federal, state and other taxes withheld from your paycheck.

Helpful link:

https://turbotax.intuit.com/tax-tips/irs-tax-forms/what-is-a-w-2-form/L6VJbqWl5#:~:text=The%20IRS%20requires%20employers%20to,when%20preparing%20your%20tax%20return.

Which of these statements are true about the MIC card? Select all that apply Taco Bell Service Course A. It demonstrates how to lead a shift from the MIC Zone. B. It shows you the zones in your restaurant and how to evaluate the conditions of them C. It sets the priorities for your shift D. It covers how a shift lead should be running a shift

Answers

Answer:

C. It sets the priorities for your shift

Explanation:

MIC card give ability to communicate the results of team and helps in making arrangements for the shifts. It also helps in scheduling goals.

Outstanding stock of the Cheyenne Corporation included 37000 shares of $5 par common stock and 11500 shares of 5%, $10 par non-cumulative preferred stock. In 2019, Cheyenne declared and paid dividends of $3700. In 2020, Cheyenne declared and paid dividends of $18500. How much of the 2020 dividend was distributed to preferred shareholders

Answers

Answer:

$5,750

Explanation:

Calculation to determine How much of the 2020 dividend was distributed to preferred shareholders

Dividend distributed to preferred shareholders=11500 shares *$10 par non-cumulative preferred stock*5%

Dividend distributed to preferred shareholders=$5,750

Therefore Dividend distributed to preferred shareholders is $5,750

What do all trades have in common

Answers

Answer:

profit

Explanation:

profit can be a answer

PLS HELPPP!!! FASTTT!!! A firm has three different investment options. Option A will give the firm $10 million at the end of one year, $10 million at the end of two years, and $10 million at the end of three years. Option B will give the firm $15 million at the end of one year, $10 million at the end of two years, and $5 million at the end of three years. Option C will give the firm $30 million at the end of one year, and nothing thereafter. Which of these options has the highest present value?

a. Option A
b. Option B
c. Option C
d. The answer depends on the rate of interest, which is not specified here.

Answers

Answer:

i would say d

Explanation:

What increases your total loan balance Interest Accrual Interest capitalism Both interest accrual interest capitalism None of the above

Answers

Answer:

Both interest accrual and interest capitalism

Explanation:

The total loan balance increases due to "Both interest accrual and interest capitalism"

This is because INTEREST ACCRUAL on a loan is capitalized, which implies that it will be added to the principal balance, therefore increasing the total loan balance.

Similarly, the INTEREST CAPITALISM occurred when a loan repayment period is missed, therefore, the amount missed is capitalized which in turn increases the total loan balance.

Answer: both

Explanation:

Oficina Bonita Company manufactures office furniture. An unfinished desk is produced for $37.65 and sold for $65.35. A finished desk can be sold for $74.50. The additional processing cost to complete the finished desk is $6.60. Prepare a differential analysis. Round your answers to two decimal places.

Answers

Answer:

Alternative 1 $27.7

Alternative 2 $30.25

Differential effects $2.55

Explanation:

Preparation of a differential analysis

DIFFERENTIAL ANALYSIS

Sell unfinished desks(Alternative 1 ) Process further into finished desks (Alternative 2) Differential effect (Alternative 2)

Revenue per desk $65.35 $74.50 $9.15

($74.50-$65.35=$9.15)

Cost per desk - $37.65 -$44.25 -$6.60

($37.65+$6.60=$44.25)

Profit /Loss per desk $27.7 $30.25 $2.55

($65.35 - $37.65=$27.7)

($74.50-$44.25=$30.25)

($9.15-$6.60=$2.55)

Therefore the company should process further and sell finished desks because it yields incremental Profit per desk.

MC Qu. 05 Within the marketing concept, a service... Within the marketing concept, a service orientation is an integrated organizational effort that revolves around Multiple Choice finding out what consumers want and providing it for them. making goods and services that will earn the most profit. training employees to sell services in unique ways. making sure customers are satisfied.

Answers

Answer:

making sure customers are satisfied.

Explanation:

A service can be defined as a collection of intangible goods that are being offered by a service provider to the end user in order to meet their needs or requirements. Thus, it is any intangible offering that involves a deed, performance, or effort that cannot be physically possessed by the service takers.

Marketing can be defined as the process of developing promotional techniques and sales strategies by a business firm, so as to enhance the availability of goods and services to meet the unending requirements, needs or wants of the end users or consumers through advertising and market research. Thus, it comprises all the activities such as, identifying, anticipating set of medium and processes for creating, promoting, delivering, and exchanging goods and services that has value for customers.

On a related note, it typically involves understanding customer needs, building and maintaining healthy relationships with them in order to scale up your business.

Within the marketing concept, a service orientation is an integrated organizational effort that revolves around making sure customers are satisfied.

True or false: Regulations prohibit insider trading. It is illegal for anyone to transact in securities to profit from inside information, that is, private information held by officers, directors, or major stockholders that has not yet been divulged to the public. True false question. True False

Answers

Answer:

the answer for this would be true

Because attempting to define a particular market can be difficult and controversial the Federal Trade Commission has begun to look less at market share and more at the data on actual ______________________________. competition in the overall economy selective anti-competitive industry practices competition between businesses market definition

Answers

Answer:

competition between businesses

Explanation:

The Federal Trade Commission can be regarded as independent agency that is been set up by United States government to enforce antitrust law as well as carry out of the promotion of consumer protection. Since to define a market can seems difficult, they tends to use competition between businesses when carrying out their operation. Business competition can be regarded as a process whereby different companies as well as individuals compete in the same industry, this could be in the type of product and services been offered, with compitition, the consumers can have different options when seeking for product not services to consume.

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For a company with significant uncollectible receivables, the direct write-off method is unsuitable because ________. it overstates liabilities on the balance sheet it violates the matching principle it uses estimates for determining the bad debt expenses it is not allowed for tax reasons At Dorcas's Hair Salon there are three hair stylists. 27% of the hair cuts are done by Martin, 30% are done by Jennifer, and 43% are done by Dorcas. Martin finds that when he does hair cuts, 6% of the customers are not satisfied. Jennifer finds that when she does hair cuts, 7% of the customers are not satisfied. Dorcas finds that when she does hair cuts, 3% of the customers are not satisfied. Suppose that a customer leaving the salon is selected at random. If the customer is not satisfied, what is the probability that their hair was done by Dorcas A) Give 3 examples of forces that are pulls and 3 examples that are pushes. b) For each example you give, state an approximate value for the size of the force. How does Aristotle's idea of telos or entelechy prevent somebody to think that You can be whoever you wanted to be, a rugged notion of individualism that is prevalent today? Question 3 (Multiple Choice Worth 1 points)(02.01 LC)Listen, read the question, and choose the option that best answers the question.0:00 10:011xWhich scenario goes with the vocabulary from the audio?O Paola is coming up on a curve and needs to warn other cars.Paola is stuck in traffic and hasn't moved in 10 minutes.O Paola just turned 16 and passed her license exam.O Paola went shopping and needs to put the groceries in her car. The purpose of a rumble strip is toGroup of answer choiceswake up drivers who are falling asleep.warn the driver that they are driving too close to the center of the lane.notify drivers who are texting to pay attention.alert the driver through the noise the tires make while driving o Alice worries about everything and can never relax. She is very jumpy, has trouble sleeping at night, and has a poor appetite. For the last few months, her anxiety has become so extreme that she is unable to concentrate at work and she is in danger of losing her job. Alice is most likely experiencing: which polygon will NOT tessellate a plane? Someone plz helppp me Below is an excerpt from the Declaration of Independence. Which popularEnlightenment idea is reflected in this writing?We hold these truths to be self-evident, that all men arecreated equal, that they are endowed by their Creator withcertain unalienable Rights, that among these are Life,Liberty and the pursuit of Happiness. - That to securethese rights, Governments are instituted among Men,deriving their just powers from the consent of thegoverned, - That whenever any Form of Governmentbecomes destructive of these ends, it is the Right of thePeople to alter or to abolish it, and to institute newGovernment, laying its foundation on such principles andorganizing its powers in such form, as to them shall seemmost likely to effect their Safety and Happiness.2 The graph of a sinusoidal function intersects its midline at (0, -7) and then has a minimum point at (pi/4, -9) help me please it easy. need help with this!!! In his effort to reform the civil service, President Hayesappointed a special committee charged with drawing up new rules for federal appointments.collaborated with Chester Arthur to reform the Port of New York.convinced Congress to outlaw the spoils system during his presidency.signed the Pendleton Act of 1883 into law, effectively ending the spoils system. Adjectival phrase the Amazon river When the economy is severelydepressed, according to Keynesianism,which of the following is beingunderutilized?A. InflationB. ImportsC. TariffsD. Capital resources (land & labor) A stone is dropped into a lake, creating a circular ripple that travels outward at a speed of 60 cm/s. Find the rate at which the area within the circle is increasing after each of the following.after 2s : cm2/safter 5s : cm2/safter 6s : cm2/s How to find the inverse of this matrix[tex]\left[\begin{array}{ccc}1&0\\0&3\\\end{array}\right][/tex] Which word correctly completes the sentence?Esto est arriba de la cabeza y puede ser de diferentes colores.Es _____.la bocael cabelloel estmagolos dientes plz help asap!!!!!!!