Answer:
The invisible hand is the term in economics and political philosophy for the invisible mechanism that drives a free market system, coined by economist Adam Smith. Ever since then, it has been a central concept for economists and conservative politicians in their arguments for a pure, non-state intervention free market, laissez-faire policy.
In his analysis, Adam Smith argued that the free market itself is a mutually beneficial arrangement that occurs in itself, spontaneously, as if some invisible hand is operating, by a chain of thousands of exchanges without participants thinking anything about the consequences.
Therefore, through competition guided by the market participants' self interests, all market participants would benefit in a collateral way, provided that there is a proper self regulation of the market, and not a regulation guided by the government.
The market for coffee is initially in equilibrium. Coffee producers engage in a nationwide advertising campaign to encourage more coffee consumption. The campaign is successful so the demand for coffee increases. Therefore, it can be concluded that the equilibrium quantity of coffee will __________.
At first, the coffee market is in a state of balance. To increase coffee consumption, coffee companies run a national advertising campaign. As a result of the campaign's success, there is a rise in coffee demand. Therefore, it can be said that more coffee will be needed to reach equilibrium.
In the United States, the production of coffee includes growing and processing coffee beans into roasted, ground, or flavor-infused coffee products as well as coffee concentrates, extracts, flavorings, and syrups. Coffee is a common beverage and important good. Millions of small farmers in developing countries depend on the coffee they grow for a life. Worldwide, 2.5 cups of coffee are used per person per day, or more than 2.25 billion cups each day. While most coffee is consumed in developed economies, over 90% of the world's coffee is actually grown in developing countries, primarily in South America. 25 million small farmers rely on the selling of coffee to make a living worldwide. Producing produces almost a third of the world's coffee.
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Bruce wants to be sure to keep his audience engaged while delivering his PowerPoint presentation. What should he do
Use a remote clicker so that he can move freely. Bruce wants to make sure to preserve his target market engaged even when handing over his PowerPoint presentation.
Within the financial markets, the term “transport” refers back to the act of moving a commodity, foreign money, safety, coins, or some other instrument that is the problem of an agreement. it is frequently used with regard to by-product contracts along with futures and alternatives.
For any enterprise, either eCommerce, outlets, or wholesalers, it is extraordinarily essential to supply merchandise efficaciously. clients want a fast, dependable, and secure shipping carrier. if you want to enhance customer enjoyment by presenting quality carriers, it is crucial to provide accurate and fast deliveries.
Provider shipping is a commercial enterprise framework that supplies services from a company to a consumer. it is also the steady interaction between the two parties at some stage in the duration of the time wherein the company components the provider and the patron purchase it.
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The management of Gilbert Inc., an automobile parts manufacturer, has created a separate department to deal with the company's increasing hiring needs. The department hires skilled employees and ensures that all organizational activities are in compliance with government regulations. In the given scenario, the new department created by Gilbert Inc. is concemed with O a. operations management e b. personnel management ec. scientific management e d. finance management
Personal management or self-management skills involve your ability to control your feelings, thoughts and actions.
What does personnel management mean?The activity of managing a company's employees, for example by managing employment records, organizing training, and helping with their problems: Large organizations with substantial personnel management resources tend to grade employees each year.Personnel managers also devise and enforce rules, policies, and procedures. For example, in workplace conflicts, including harassment, personnel managers address the issue. In addition, they create employee guidelines and align employer hiring practices with employment regulations and laws.Personnel management focuses on the maintenance of all personnel and administrative systems, whereas human resource management has a more strategic approach, forecasting the organisation's needs and continuously monitoring and adjusting all systems. Self-management skills are the abilities that allow people to control their thoughts, feelings and actions. If you have strong self-management skills, you're able to set goals independently and take the initiative to achieve them.
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Franklin Inc., an apparel manufacturer based in Scotland, opened a new store in the United States. Franklin's designs were well received by consumers in the host country. However, the firm incurred very high expenses due to the expensive rents and the higher costs of labor. Also, there was a hike in the price of fuel in the United States. This led to increased expenditures on the transportation of goods. This indicates that Franklin Inc. had serious issues in the United States due to poor: Group of answer choices
Answer:
Economic conditions
Explanation:
Since in the question it is mentioned that the firm would incurred greater amount of expenses because of the expensive rents and the labor cost also their would be increase in the fuel price due to this it would increase the expenditure on the transportation so here the serious issues would be with the economic conditions as the price expenses denotes the economics
Therefore it represent the economic conditions
Jim is head of the marketing department and must decide how to allocate a fixed amount of funds. There are two top projects that Jim believes hold the most promise. Recently, the majority of funds have been allocated to Project A, but Jim wonders if it is time to provide Project B with a larger share of the money. Jim decides to assign a particular individual, Clara, to thoroughly criticize the proposal for Project B, looking for every possible flaw. Which technique is Jim using to help him make a better decision
Answer:
Devil's Advocacy
Explanation:
Devil's advocacy states that when an organization permits to an individual for criticizing the happenings in the firm at the time when the decision is relevant. The other person would be limited to access so this would increase the productivity and limits the group thinking
So here according to the given situation, Jim's allowance of Clara to display the proposal for criticism is called as the Devil's advocacy.
Which of the following is an advantage of leasing over buying a car? (1 point)
Leasing is nearly always less expensive than buying.
You are always driving a new car, which has the latest safety features.
You can sell the car whenever you want.
When the lease ends, you do not have a car.
The advantage off leasing a car over buying a car is A. leasing is nearly always less expensive than buying.
What is a Lease?Lease is an agreement where a person or Lessee gets the asset that is required for a minimal down payment and pays monthly or annually installments with interest charged, this practice is usually seem to be less expensive than buying a car as the cash flows are split on multiple years while if the person buy a car the cash flow has to be paid on the spot.
Therefore leasing a car is considered to be less expensive and is also widely accepted and used by many individuals. A lease has different terms and interest rate depending on the asset and its value. Also the terms also have duration of the lease which can be amended according to the requirement of the lessee.
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What are the top 3 most influential factors in determining your credit score?
Expense Record 35% in weight Your payment history shows how regularly you've made on-time payments for the Amounts You Owe. Length of Your Credit History and Weight: 30% 15% of the weigh.
What is Expense Record?Companies break down their revenues and expenses in their income statements. Accountants record expenses through one of two accounting methods: cash basis or accrual basis. Under cash basis accounting, expenses are recorded when they are paid. In contrast, under the accrual method, expenses are recorded when they are incurred.For example, if a business owner schedules a carpet cleaner to clean the carpets in the office, a company using the cash basis records the expense when it pays the invoice. Under the accrual method, the business accountant would record the carpet cleaning expense when the company receives the service. Expenses are generally recorded on an accrual basis, ensuring that they match up with the revenues reported in accounting periods.To learn more about accounting periods refer to:
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What happens when a person writes a check but there are insufficient funds in his or her bank account?
This means the check will not be able to be processed and the person will likely incur a fee from their bank. Additionally, the person may be charged a fee by the person or entity to whom the check was written.
What are the common reasons for a check to bounce?There are several common reasons for a check to bounce, including insufficient funds in the account, closed account, an account that is no longer active, or a mistake when writing the check such as incorrect date, amount, or payee. Additionally, if a check is written for an amount that exceeds the account balance and any available overdraft protection, it will also bounce.
What are the consequences of a bounced check?The consequences of a bounced check can vary depending on the reason for the bounce, the amount of the check, and the person or entity to whom the check was written. Some common consequences include incurring a fee from the bank and the person or entity to whom the check was written, a negative impact on the person's credit score, and possible legal action, depending on the circumstances. It is also considered as a criminal offence in some countries and states, if done intentionally or repeatedly. Additionally, if the bounced check was written to a business, it can result in the person being added to a “bad check” database or being banned from doing business with that company in the future.
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What are the 3 economic questions about production and distribution of resources that each nation must address?
Any method of allocating limited resources is an economic system. Three fundamental problems are addressed by economic systems: what will be produced, how will it be produced, and how will society distribute the output it generates?
These queries can be answered in one of two ways, at either extreme. The government makes judgments in command economies about the distribution of resources as well as the distribution of production and consumption. Markets are used to organize the factors of production and consumption in market economies, when private ownership of resources is established through property rights. In a market economy, resources are distributed according to the most productive usage by market pricing.
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Tetsuko is a surgical resident at a busy metropolitan hospital. She regularly works 24-48 hour shifts as a part of her duties. What must the employer do, according to the FLSA
According to the FLSA, an employer must pay a minimum of one and one-half times the regular rate of pay for all hours worked over forty (40) in a workweek.
In the case of Tetsuko, the employer must ensure that she is paid one and a half times her regular rate of pay for any hours worked over forty in a given workweek.
The Fair Labor Standards Act is a US statute that governs employment standards, including pay, working conditions, and the documentation that companies must maintain: The fundamental tenet of the FLSA is that because of their limited bargaining power, some workers need legal protection from unfair business activities.
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What does quickbooks online do if you try to import a customer that already exists in the company?
If you try to import a customer that already exists in QuickBooks Online, the software will not create a duplicate customer. Instead, it will match the imported customer information with the existing customer information in the company file.
If there is any discrepancy in the information, QuickBooks will prompt you to either update the existing customer information with the imported information or to keep the existing information.
This feature is called "Import Mapping" and it's designed to help prevent duplicate customer entries in the company file and help you keep your customer information accurate and up-to-date.
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How do you gather information efficiently?
To gather information efficiently research, ask questions, and listen carefully to the answers.
Gathering information efficiently requires a combination of research and direct inquiry. Research can be done online or through print sources in order to learn about a topic more thoroughly.
Once a basic understanding has been established, it is important to ask questions that can help to further develop and refine the information. It is also beneficial to listen carefully to the answers and ask follow-up questions as needed.
Additionally, it is important to document the information gathered in an organized manner so that it is easy to refer to and review.
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Big City Financial is allowing stockholders to purchase more shares of stock at prices below the existing market value. This is an attempt to avoid a hostile takeover by a corporate raider. Which of the following methods is being used by Big City Financial to evade the takeover
The stock that all of a company's shareholders now own is referred to as shares outstanding.
What stock refers to issued stock that is currently held by stockholders?These consist of restricted shares owned by company officers and insiders as well as share blocks held by institutional investors.
The term "issued shares" refers to the total stock of an organization's equity shares held by customers, employees, and insiders. Unlike outstanding shares, treasury shares—stock that a business buys back from shareholders—are included in issued shares. In order to determine important measures for a company, including its market capitalization, profits per share (EPS), and cash flow per share, the number of outstanding shares is taken into account (CFPS).
The number of outstanding shares of a firm is not constant and is subject to rapid changes throughout time. The stock that all of a company's shareholders now own is referred to as shares outstanding.
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very employee helps the business achieve its financial goals. How do support staff help the company achieve its financial goals
They keep equipment maintained. And They conserve the use of office supplies.
An economic aim is any plan you have for your cash. you could have short-time period monetary dreams (like saving up $1,000) or lengthy-term financial goals (like investing for retirement). You must set desires for every vicinity of your lifestyle, however, having financial goals allows you literally placed your money wherein your intention is.
Key brief-term desires consist of putting a price range, reducing debt, and starting an emergency fund. Medium-term dreams should encompass key insurance rules, while lengthy-term goals want to be centered on retirement.
Examples of various sorts of monetary desires encompass: Create a price range. store for retirement and different lengthy-term plans. keep for short-time period and mid-time period plans. pay off debt.
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Complete question:
Every employee helps the business achieve its financial goals. How do support staff help the company achieve its financial goals?
Peanut Company acquired 100 percent of Snoopy Company’s outstanding common stock for $300,000 on January 1, 20X8, when the book value of Snoopy’s net assets was equal to $300,000. Peanut uses the equity method to account for investments. Trial balance data for Peanut and Snoopy as of December 31, 20X8, are as follows:
As of December 31, 20X8, Peanut and Snoopy's liabilities and equity were 1288000.
Which is preferable, equity or equality?For fairness and justice to be upheld as well as for each member of society to be able to reach their full potential, equality and equity are necessary. As opposed to equity, which aims to provide everyone with everything they need to have fair opportunities to those possibilities, equality makes sure that everyone is provided the same opportunities.
How does equity work in Example?Equity can be used to a single property, such as real estate or to a corporation and is calculated by deducting liabilities from assets. The difference is $100,000 represents equity, for instance, if a homeowner has a home worth $400,000 but owing a mortgage of $300,000.
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The average dividend payout and Price / Earnings ratios for NYSE listed companies are 30% and 10X respectively. The dividend payout and Price / Earnings ratios for MCR indicate that this is a:
The correct option is B. Mature companies trade at lower P-E ratios and pay out a reasonable proportion of the earnings as dividends. This is a mature company.
A mature company is an enterprise that is nicely-mounted in its enterprise, with a famous product and a loyal patron following. Mature firms typically face steady competition and show off the slow and consistent boom. Mature businesses also generally tend to pay dividends and can increase profits thru price cuts and performance improvements.
An organization becomes mature whilst it is miles firmly set up and will no longer revel in considerable increase. A mature enterprise is one which has exceeded each of the rising and increase phases of enterprise increase. agencies in these industries tend to be larger, older, and have greater strength.
At the beginning of the industry lifecycle, new products or services find use within the marketplace. Many corporations may additionally spring up looking to benefit from the brand-new product demand. over time, disasters and consolidations will distill the enterprise to the most powerful as the industry maintains to grow.
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Complete Question:
The average dividend payout and Price / Earnings ratios for NYSE listed companies are 30% and 10X respectively. The dividend payout and Price / Earnings ratios for MCR indicate that this is a:
A. growth company
B. mature company
C. cyclical company
D. deteriorating company
Jamie wants to focus on selling her overstocked blue saucepans. She sets up keywords using a broad-match modifier. What are two ways the broad-match modifier makes Jamie's work easier? (Choose two.)
She doesn't have to think of all the related saucepan keywords. and She can easily select the color she wants to focus on.
Shares are a type of protection that gives stockholders a proportion of possession in an employer. shares also are known as “equities. “An inventory is a well-known time period used to describe the possession certificate of any enterprise. A percentage, on the other hand, refers to the inventory certificates of a specific employer. maintaining a particular enterprise's proportion makes you a shareholder. Description: shares are of sorts—common and desired.
A stock is a sort of investment in an organization. agencies problem inventory shares to raise money that allows you to finance operational desires and to fuel growth, and traders buy the one's stock stocks for the possibility to generate a go back on their funding. A proportion is a monetary instrument that represents the component possession of an organization. An inventory is a financial tool that represents part possession in one or more establishments.
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What were internment camps called?
Internment camps are also called as concentration camp.
A concentration camp for civilians, especially those with ties to an enemy during a conflict, as the camps built by the US government to jail Japanese Americans after the Pearl Harbor attacks. A prison camp for the incarceration of prisoners of war, enemy aliens, political prisoners, etc.
Hitler and Communism did not invent the phrase "concentration camp," but it did. More often and more properly, the Nazi concentration camps are referred to as death camps. Though the "crimes" and "trials" were frequently fictitious, Stalin's Gulags were prison camps, making them slightly distinct from other concentration camps. However, a concentration camp—like those run by the British during the Boer War—does not by itself imply atrocities.
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What 3 questions must any economic system answer the same thing we have been saying over and over?
Any allocation scheme for scarce resources is an economic system. Economic systems provide answers to three fundamental questions: what will be produced, how will it be produced, and how will the output society generates be distributed?
Answers to these questions can fall into one of two categories. In command economies, the government is in charge of deciding how to allocate resources as well as how to balance output and consumption. The variables of production and consumption are all coordinated through markets in market economies, where private ownership of resources is established through property rights. In an economic system based on markets, resources are distributed according to the most advantageous usage.
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The customer deposits the required margin amount. Subsequently, ABC stock increases to $60; PDQ to $100; and XYZ to $40. The new equity in the account is
Option C is correct. The new equity in the account is $18,500.
Equity is responsibility for that might have obligations or different liabilities appended to them. Equity is estimated for the end goal of bookkeeping by deducting liabilities from the worth of the resources.
Long Market Value - Debit = Equity %
= $25,000 - $12,500 (50%)
= $12,500
Now the new equity is
The 4,000 in the ABC stock, the $15,000 in DEF stock and $12,000 in PDQ stock after increased in the market values
So, the new equity is
= $31,000 - $12,500
= $18,500
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Complete Question -
The customer deposits the required margin amount. Subsequently, ABC stock increases to $60; PDQ to $100; and XYZ to $40. The new equity in the account is?
As the initial transaction in a new margin account, a customer buys:
100 shares of ABC at $30
300 shares of DEF at $40
200 shares of PDQ at $50
StatusA A. $11,500
StatusB B. $12,500
StatusC C. $18,500
StatusD D. $31,000
What is an example of a progressive tax?
Progressive taxes include those on investment income, interest income, rental income, estate taxes, and tax credits, to name a few. The progressive taxation model is demonstrated by the American income tax system.
The two main sources of income for real estate investors are rental income and earned income, which is often referred to as passive income (sometimes known as active income). Taxes must be paid by landlords on their net rental income, which is determined by subtracting any allowable costs from their total earnings. If your income is less than the £12,570 basic rate level, rental income is tax-free. If rental income exceeds £12,570 but is below the higher rate threshold of £50,270, it is subject to a 20% tax rate. If your rental income exceeds £50,270 but falls below £150,000—the extra rate threshold—you will be subject to a 40% tax rate. The rental fee is regarded as management compensation if the customer has a role in it.
The rental revenue is regarded as earned income if the client takes part in management in some way. Rent may be collected from tenants as a simple approach. A self-employed firm may include rental revenue, however this is not always the case. A solo proprietorship does not include the rental property.
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What is an economic system in which individuals and businesses own property and the means of production?
Under capitalism, most means of production are privately owned, and production is controlled and income is distributed primarily through the operation of markets.
What is Capitalism?A common misconception about capitalism is that it is an economic system in which individual actors own and control property according to their interests and where supply and demand freely determine market prices in a way that benefits society.The essential quality of capitalism is the desire to make a profit. The goal of capitalism's economic system is to increase profits for businesses and private persons through the creation of commodities and services. Capitalism, which greatly enhanced industrialization and the availability of mass-market consumer goods, replaced the historical feudal and mercantilist systems in Europe.A great deal of variance in the concentration of wealth and economic power came to be connected with capital that was amassed via a range of techniques and at a variety of scales.
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Which of the following is TRUE of the comparison between equity securities and debt securities? Debt securities represent stock ownership in a company whereas equity securities represent a credit relationship with the company. Both debt securities and equity securities pay interest. Equity securities may earn dividend revenue whereas debt securities earn interest revenue. Neither debt securities nor equity securities mature at a stated date.
Equity securities may earn dividend TRUE of the comparison between equity securities and debt security whereas debt securities earn interest revenue .The comparison between equity securities and debt securities.
Revenue, which is determined by multiplying the average retail price by the quantity of units sold, is the money made through regular business activities. The power play (or total income) figure is what is used to calculate net income by deducting costs. Sales are another name for sales in the financial statements. The money earned from routine company activities is referred to as earnings, sales, or the ranks at the top. While profitability or profit includes the costs incurred in generating revenue and reports net results, revenue simply refers to the proceeds from sales.
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Casper Inc. issued shares of $1,000,000 in the current accounting period. How will this transaction affect the cash flow statement, if Casper uses the indirect method of calculating the cash flow?
А. increase in net cash flow from operating activities
B. decrease in net cash flow from operation activities
C. increase in cash flow from investing activities
D. decrease in cash flow from investing activities
E. decrease in cash flow from financial activities
Based on the information, this transaction affects the cash flow statement, with a decrease in cash flow from financial activities if Casper uses the indirect method of calculating the cash flow.
What is the importance of a financial statement?A financial statement helps an individual as well as an organization to determine the financial position of the company in the market by making a balance sheet to identify profits and losses and make improvements.
By subtracting the value of net profit at the completion of the financial quarter, the indirect approach calculates cash flow. On an accrual system, the cash flow statement originates with net income; it then adds and subtracts non-cash items to reconcile to real cash flow.
Therefore, option E is appropriate.
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Which phrase is the best definition for the term collaborate?(1 point) to use technology to use technology to work on a project to work on a project t
the best definition for the term collaborate is option D)discussing an idea with your group
collaborate is the activity of two or more individuals, groups, or organizations coming together to carry out a task or realize an objective. It comes from the Latin prefix com-, meaning "with," and laborare, meaning "to labor." Cooperation and collaboration are advantageous to both parties. Although it is a fundamental component of collaboration in general, leadership can also take the form of social interaction in decentralized and egalitarian organizations. Collaborative teams often have easier access to money, recognition, and rewards when competing for scarce resources. Techniques for structured cooperation encourage reflection on speech and behavior. These tactics are intended to increase the efficiency of teams when they collaborate to solve issues. Contrary to what the general public believes, antagonistic collaboration occurs when competing goals are being pursued.
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The complete question is here:
Which of the following means to collaborate?(1 point)create a technology project
work on a project
work together
use technology
Which example of collaborating uses technology?(1 point)
assigning tasks to group members
writing notes about a group project
texting your group about the project
discussing an idea with your group
Amanda wants to buy a new car. What questions of financial responsibility should she ask herself before she makes the purchase
She should probe her financial responsibility by asking these questions: Can I use the my old vehicles a little bit longer or do I really need this one? , Is this a dependable car?
Why is it vital to be financially responsible?For a variety of reasons, adopting responsible in your social life is essential. Your credit score will go up, you'll purchase a condo, and you'll have an emergency fund in tact if you have good money management abilities. You can use it to escape a job you despise or set aside money for things you want.
What does financial accountability law entail?Financial Responsibility Law: What Is It? Financial responsibility laws, which are frequently related to vehicles, demand that a person or organization demonstrate their ability to pay for accident-related damages.
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Which role does human resources have in relation to the Equal Employment Opportunity Commission (EEOC) in this scenario?
In this scenario, the role of human resources in relation to the Equal Employment Opportunity Commission (EEOC) would likely be to ensure compliance with the laws and regulations set forth by the EEOC.
This would include implementing policies and procedures to prevent discrimination in the hiring, promotion, and termination of employees, as well as ensuring that any complaints or allegations of discrimination are properly investigated and addressed.
Additionally, human resources would be responsible for providing training and education to employees and management on the laws and regulations set forth by the EEOC, as well as on preventing discrimination in the workplace.
Human resources would also act as a liaison between the company and the EEOC, ensuring that the company is aware of any updates and changes to the laws and regulations and that the company is meeting the requirements of the EEOC.
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Who did Business 2.0 rank as number one in the top 50 people who matter most in business? O Bill Gates Michael Dell O You O the business analyst You O the customer
In its list of the top 50 people who matter most to businesses, Business 2.0 rated "You - the customer" at the top.
What do you mean by a customer?A customer is an individual or company who makes a purchase from a third party.The basic objective of any business is to attract a clientele of repeat consumers who would spend money with them.In India, many dealers and business people refer to the consumer as God because they believe that they are the ones who bring in the money.A customer in sales, commerce, and economics is the recipient of a good, service, product, or idea that they have purchased from a seller, vendor, or supplier in exchange for money or another useful consideration.To learn more about Customer from the given link
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The Trainstar Company is a sportswear equipment manufacturer that is planning to release a new line of energy drinks called Revitalizer.In the ad for the energy drink the company showed different people going for a morning jog,working out in a gym,jazzercising,and doing aerobics.At the end of the ad,there are clips of these people stopping their activity,drinking Revitalizer,becoming visibly re-energized after drinking,and then continuing their exercises.Which of the following kind of advertising styles did the Trainstar Company use for the Revitalizer ad?
A) scientific advertising
B) technical expertise
C) personality symbol
D) testimonial evidence
E) lifestyle
Answer:
Option E: Lifestyle
Explanation:
Lifestyles
This is simply defined as methods or definite patterns of consumption showing forth /reflecting a person's choices of how one spends time and money.
Psychographics
This is the use of psychological, sociological and anthropological factors to show or discovered market segments. It answer the "why" they buy question. The four types of psychographic analysis includes lifestyle profile, product-specific profile, general lifestyle segmentation and product-specific segmentation.
Also, the six attributes that psychographics/lifestyle studies includes attitudes, values, activities and interests, demographics, media patterns and usage rates.
As a result of Luis putting a "stop payment" on a check that he wrote, Luis will
O be limited to writing two checks a month.
O have to close his checking account.
O have to pay the bank a fee for the service he requested.
O be notified of an increase in the minimum balance requirement for his checking account.
Answer:c
Explanation:
Luis requesting a stop payment will require him to pay the bank a fee for the service he requested
Stop payment could be defined as a request made by individuals to cancel payments before it's been processed. This could be recurring weekly or monthly subscriptions, personal checks.
They are reasons why individuals might stop payment, here are the following;
- Insufficient funds
- Stolen cheque
- Issue with service rendered
Whenever ''stop payment'' is initiated by an individual, he or she would have to pay the bank a fee for the service he requested. These charges vary with banks.
Luis would have to pay a fee to be able to stop payment on his cheque.
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