The factor that determines whether a borrower’s interest rate on an adjustable rate loan goes up or down is a market's condition.
An adjustable-rate mortgage can be regarded as mortgage loan in which the interest rate can undergo adjustment, and this is can be done with respect to cost of the lender of borrowing on the credit market.
However, this loan can be given out base on the lender's standard variable rate/base rate.
We can conclude that market's condition do determine whether a borrower’s interest rate on an adjustable rate loan goes up.
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Answer:
the answer is c
Explanation:
just took the test
discusd five reasons why some people in your community do not participate your campaign?
Industrial development bonds are backed by: A the lease obligating the private user to rent the facility for the life of the bond issue B the deed to the facility constructed C securities pledged as collateral by the private user D the faith and credit of the governmental issuer Review
Answer: B the deed to the facility constructed
Explanation:
Industrial Development Bonds are issued by a government agency or authority on behalf of a company that might find it difficult to acquire financing on its own.
Such bonds are usually tax exempt and so will command lower interest rates than comparable bonds. They will be paid for by revenue from the project constructed and the collateral will be the deed to the facility constructed. This deed will be held by the government until the company finishes paying off the debt.
Forcing someone to sign a contract under threats and pressure is an example
of
A. non-disclosure
B. mistake
C. duress
ОО
D. fraud
Someone who is extremely dissatisfied with the direction of their current employer and has their own great ideas, an independent streak, and a great work ethic might decide to _______.
Group of answer choices.
a. Tough it out and try to adjust to their workplace
b. Quit their jobs and start their own business
c. sabotage their bosses in order to get new leadership d. Climb the corporate ladder in order to implement their ideas
Answer:
b. Quit their jobs and start their own business
Explanation:
An employee can be defined as an individual who is employed by an employer of labor to perform specific tasks, duties or functions in an organization.
Basically, an employee is saddled with the responsibility of providing specific services to the organization or company where he is currently employed while being paid a certain amount of money hourly, daily, weekly, or monthly depending on the contractual agreement between the two parties (employer and employee).
Hence, while an employer may be the owner of a business firm or company, an employee is a subordinate employed to provide unwavering services to the employer while also, being professional and diligent at all times.
Generally, an employee who is extremely dissatisfied with the direction of their current employer and has his or her own great ideas, aspirations, an independent streak (willingness to work for oneself rather than serve others), and a great work ethic might decide to quit their jobs and start their own business such as an entrepreneur.
An entrepreneur refers to an individual who sees a need or discovers a problem in a society and innovatively proffers a solution using brilliant ideas or entrepreneurial thinking.
The following are four characteristics of an entrepreneur;
1. Innovative: it can be defined as a quality possessed by an individual or group of people such as an entrepreneur and typically involves the process of improving on an existing product or ideas.
2. Passionate: believing in a course and one's ability to achieve much more at a business.
3. Risk-Taker: he or she is confident enough to venture into risky businesses with the hope of an expected success.
4. Self-Confident: he or she is bold and believes in his or her abilities to excel.
Hey! I need definitions to the following.
Temperance -
Justice -
Courage -
Perseverance -
Loyalty -
Commitment -
Pride -
Conviction -
Responsibility -
Self-Discipline
Compassion
Humility
Vitality
Dedication
Assertiveness
Fidelity
Forgiveness
Integrity
Respect for Authority
Etiquette
Work
Appreciating Cultural Diversity
Thank you so much
Answer:
Temperance - moderation or voluntary self-restraint
Justice - just behavior or treatment
Courage - the ability to do something that frightens one
Perseverance - persistence in doing something despite difficulty or delay in achieving success
Loyalty - a devotion and faithfulness to a nation, cause, philosophy, country, group, or person
Commitment - the state or quality of being dedicated to a cause, activity, etc.
Pride - a feeling of deep pleasure or satisfaction derived from one's own achievements
Conviction - the verdict that usually results when a court of law finds a defendant guilty of a crime
Responsibility - the state or fact of having a duty to deal with something or of having control over someone
Self-Discipline - the ability to control one's feelings and overcome one's weaknesses
Compassion - sympathetic pity and concern for the sufferings or misfortunes of others
Humility - the quality of being humble
Vitality - the state of being strong and active; energy
Dedication - the quality of being dedicated or committed to a task or purpose
Assertiveness - confident and forceful behavior
Fidelity - faithfulness to a person, cause, or belief, demonstrated by continuing loyalty and support
Forgiveness - the action or process of forgiving or being forgiven
Integrity - the quality of being honest and having strong moral principles; moral uprightness
Respect for Authority - to feel or show esteem, honor, and appreciation for
Etiquette - the customary code of polite behavior in society or among members of a particular profession or group
Work - activity involving mental or physical effort done in order to achieve a purpose or result
Appreciating Cultural Diversity - It is, well, appreciating cultural diversity! :D
Explanation:
I mean, you could have just searched it up :D
The CEO of Whole Foods Markets is John Mackey. It has a set of quirky management rules that makes Whole Foods an odd but effective workplace. Every store is divided into about eight functional teams: An employee is hired provisionally to a store team. After four weeks of work, the team votes whether to hire him or her; a two-thirds yes vote is necessary to join the staff permanently. Which leadership style appears to be used by Whole Foods
Answer:Democratic (participative)
Explanation:
Help me with the question
Answer:
See below
Explanation:
Last month, a gallon of milk cost $2 and a gallon of gas cost $4. This month, milk is $4 per gallon and gas is $6 per gallon. Matthias is not sure what is going on with the economy. How would an economist BEST describe what is happening?
Group of answer choices.
A. The rate of return has increased significantly.
B. There has been a lot of inflation in the market.
C. Prices for goods are experiencing compounding interest.
D. Asset allocation is on the rise in the economy.
Answer:
B. There has been a lot of inflation in the market.
Explanation:
Inflation can be defined as the persistent general rise in the price of goods and services in an economy at a specific period of time.
Generally, inflation usually causes the value of money to fall and as a result, it imposes more cost on an economy.
When this persistent rise in the price of goods and services in an economy becomes rapid, excessive, unbearable and out of control over a period of time, it is generally referred to as hyperinflation.
Furthermore, high inflation is typically a sign of a struggling economy because the wages earned by consumers cannot keep up with the increase in prices of goods and services.
In this scenario, a gallon of milk cost $2 and a gallon of gas cost $4 last month. This month, milk is $4 per gallon and gas is $6 per gallon.
Therefore, an economist would best describe what is happening as having a lot of inflation in the market.
When closing a direct request, you
a. indicate the consequences of a failure to reply.
b. mention your own qualifications or status.
c. request a specific response and mention the time limits.
d. thank the reader in advance for helping you.
Answer:
c
Explanation:
just took it on edg
A dealer persuades a customer to buy a new car by reducing the price to well below that of his competitors. Once the customer has agreed to buy the car, the terms of the sale are shifted by lowering the value of the trade-in and requiring the purchase of expensive extra equipment. Now the car costs well above the current market rate. This is an example of the __________ procedure. Group of answer choices foot-in-the-door lowball bait-and-switch primacy
Answer:
low ball
Explanation:
From the question, we are informed about A dealer who persuades a customer to buy a new car by reducing the price to well below that of his competitors. Once the customer has agreed to buy the car, the terms of the sale are shifted by lowering the value of the trade-in and requiring the purchase of expensive extra equipment. Now the car costs well above the current market rate. In this case, This is an example of the low ball procedure. The low-balling procedure can be regarded as lpersuasion tactic whereby the seller offer will give an initial offer of goods/ service at a lower price than the expected price, so that the buyer can commit, after the commitment from buyer, the price will be suddenly increased. This technique is famous among salesmen as well as advertisers.
The Solow model demonstrates that A) in the absence of productivity growth, economic growth will turn negative in the long run. B) in the absence of productivity growth, economic growth will reach a steady state of zero per-capita growth in the long run. C) productivity growth will inevitably decline due to diminishing marginal productivity. D) productivity growth must exceed the rate of growth in the population to avoid a steady state in the long run
Answer:
Option B: In the absence of productivity growth, economic growth will reach a steady state of zero per-capita growth in the long run
Explanation:
The Solow model
This is the production function that gives people enough free hand or rooms to consider the accumulation of capital as a useful tool of long-run economic growth it is a dynamic model. Even if it can only mathematically solve for the endogenous variables in steady state, they are subscripted by time because the model holds at all points in time. And its addition to the production model includes capital stock is therefore not exogenous and the accumulation of capital is a possible tool of long-run economic growth.
Solow Model Strengths includes;
1. It gives a theory that shows how rich a country is in the long run( e.g. steady state)
2. It helps to understand differences in growth rates by using the principle of transition dynamics
Solow Model Weaknesses includes.
1. If the main tool studied in the model is investment in physical capital, that explains only a small fraction of the differences in income across countries
2. The model do not clearly explain differences in investment rates etc.
Choose the term that best matches the description given.
This intellectual property is registered with the U.S. Trade Representative
Answer:
None of these
Explanation:
Hope this helps!
Please mark me as Brainlinieast.
Answer:none of these
Explanation:
For an investor seeking a tax sheltered investment, the primary advantage of a real estate direct participation program is the: A high level of liquidity provided by the investment B ability of the program to generate losses for tax purposes but provide positive cash flow C ability to offset passive losses generated by the program against the investor's earned income D ability of the program to generate increasing losses until liquidation Review
the sum of a and 3a is
Answer:
Given,
3a,a,_a.......a terms
Sn=n/2[2(a)+(n-1)d]
Sa=a/2(6a-2a+1)
Sa=a/2(2(2a+1)
Sa=a(2a+1)
Sa=2a^2+a
Explanation:
A company requisitioned $40,000 in direct materials and $30,000 in indirect materials from the storeroom to be used in production. The journal entry to record this transaction debits ______.
Bankruptcy is the legal process of reducing or eliminating an amount owed.
O True
O False
Andrew Carnegie's system of vertical integration a combined all facets of an industry, from raw material to final product, within a single company. b created an industrial association through which member companies could wield much power. c embraced the notion of buying up competitors and forming a monopoly interest. d required smaller competitors to agree to standardized rates set by larger firms. e None of these
Answer:
A. combined all facets of an industry, from raw material to final product, within a single company
Customers can purchase HP computers from retail stores like Best Buy and Office Depot, online directly from HP, and through various catalogs. HP is using a(n) _____ distribution arrangement.
Answer:
Multiple
Explanation:
For instance,Customers can purchase HP computers from retail stores like Best Buy and Office Depot, online directly from HP, and through various catalogs. In this case, HP is using a(n) multiple distribution arrangement.
Distribution channel can be regarded as chain of businesses or intermediaries whereby good or service is been passed until it reaches the final buyer. Distribution channels could be wholesalersor retailers or distributors. Multi-channel distribution can be regarded as a channel whereby
business uses one or more than one type of distribution channel. For instance, a street retailer could
also distribute directly to customer with the use of e-commerce, even with the use of catalogues which could be sent via direct mail.
Lima buys a new car from Motor City Inc. In the first month after the purchase, the car repeatedly fails to meet standards of quality and performance. To prevail against Motor in a lemon-law dispute, Lima must a. take the car to an expert third party for an independent inspection. b. have reason to know of the cause of the failure. c. file a court action without prior notice of the defect to the dealer. d. give the dealer or manufacturer an opportunity to remedy the problem.
To prevail against Motor in a lemon-law dispute, Lima must have reason to know of the cause of the failure.
Lemon law is specifically awarded to customers purchasing vehicles in the form of choice to either get replaced product or to get a refund for the defective vehicle.
Hence, if the vehicle is impaired to function properly or is diagnosed as defective within 30 days of its purchase would entail them with lemon rights. To avail this right the consumer must have proper reasons to support it.
Learn more about Lemon law here;
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Mark and Anthony are business partners of a franchised bakery. They have reached the end of the current financial year, and they assume that they must pay taxes. Since they have a partnership agreement, what must they submit?
A. Income tax return
B. information return
C. IRS tax claim
D. article of organization
E. policy document
Answer:
B. Information return
Explanation:
Corporations, trusts, individuals, estates, partnerships, that engage in business or trade and make transactions which are reportable shall report the transactions by filing an information return with the IRS, that indicates the amount a person received as payment within the calendar year on which the information return is based
The details on the information return can be used for ensuring that the tax returns are correctly filed
Payments made by owners of businesses such as compensation for nonemployee and employee requires the filing of an information return
It is important to save a copy of the information returns being filed each year
Below are descriptions of internal control problems. Identify the one best internal control principle that is related to the problem described. 1. The same person opens incoming mail and posts the accounts receivable subsidiary ledger. 2. Three people handle cash sales from the same cash register drawer. 3. A clothing store is experiencing a high level of inventory shortages because people try on clothing and walk out of the store without paying for the merchandise. 4. The person who is authorized to sign checks approves purchase orders for payment. 5. Some cash payments are not recorded because checks are not prenumbered. 6. Cash shortages are not discovered because there are no daily cash counts by supervisors. 7. The treasurer of the company has not taken a vacation for over 20 years.
Answer:
The internal control principles are:
Establishment of responsibility
Segregation of duties
Physical control devices
Documentation procedures
Independent internal verification
Human resource controls
1. The same person opens incoming mail and posts the accounts receivable subsidiary ledger. ⇒ SEGREGATION OF DUTIES.
There should be a segregation of such duties so that the chances of fraud are reduced.
2. Three people handle cash sales from the same cash register drawer. ⇒ ESTABLISHMENT OF RESPONSIBILITY.
One person should have access to the cash register drawer so as to reduce chances of fraud where one person takes cash and no one knows who. One person having access is an establishment of responsibility for that person.
3. A clothing store is experiencing a high level of inventory shortages because people try on clothing and walk out of the store without paying for the merchandise. ⇒ PHYSICAL AND IT CONTROLS.
Physical and IT controls would prevent such events from happening because the clothes would be identified before they left the store.
4. The person who is authorized to sign checks approves purchase orders for payment. ⇒ SEGREGATION OF DUTIES.
Segregation of duties ensures that this person would not make up frivolous purchase orders and then sign the checks for them.
5. Some cash payments are not recorded because checks are not prenumbered. ⇒ DOCUMENTATION PROCEDURES.
Documentation procedures ensure that records are well kept in the company to avoid such a scenario.
6. Cash shortages are not discovered because there are no daily cash counts by supervisors. ⇒ INDEPENDENT CHECKS OF PERFORMANCE.
There should be an independent check of performance in different departments especially in relation to cash to find out why cash balances are a certain way.
7. The treasurer of the company has not taken a vacation for over 20 years. ⇒ HUMANS RESOURCE CONTROLS.
Human resource controls ensure that best practices are used in human resource to promote efficiency. This scenario will lead to the burnout of the employee which would reduce efficiency in the business.
what do you pore first the cereal or the milk? True or false.
Felice bought a duplex apartment at a cost of $235,000. Her mortgage payments on the property are $1,510 per month, $803 of which can be deducted from her income taxes. Her real estate taxes total $2,304 per year, and insurance costs $1,452 per year. She estimates that she will spend $1,446 each year per apartment for maintenance, replacing appliances, and other costs. The tenants will pay for all utilities. What monthly rent must she charge for each apartment to break even
Answer:
$1,032
Explanation:
Calculation to determine What monthly rent must she charge for each apartment to break even
First step is to calculate the Monthly costs using this formula
Monthly costs = Mortgage payment + Real estate taxes + Insurance costs + Maintenance costs
Let plug in the formula
Monthly costs=$1,510 + ($2,304 / 12) + ($1,452 / 12) + [2 ×($1,446 /12)]
Monthly costs= $1,510 + 192+ 121 + 241
Monthly costs= $2,064
Now let calculate the Break-even monthly rent per apartment
Using this formula
Break-even monthly rent per apartment = Monthly costs / 2
Let plug in the formula
Break-even monthly rent per apartment = $2,064 / 2
Break-even monthly rent per apartment = $1,032
Therefore What monthly rent must she charge for each apartment to break even will be $1,032
Credit offered in the form of ____________ is most common in department and clothing stores and other high-volume outlets, where customers are likely to make several purchases each month.
Answer:
retail charge cards
Explanation:
A credit card can be defined as a small rectangular-shaped plastic card issued by a financial institution to its customers, which typically allows them to purchase goods and services on credit based on the agreement that the amount would be paid later with an agreed upon interest rate.
Hence, the use of credit cards by consumers broadens a small company's customer base.
This ultimately implies that, small businesses or companies who avail their customers the opportunity to pay using a credit card will increase the number of customers that would patronize them because they are typically buying the goods and services on credit.
Generally, there are three (3) main types of credit card and these includes;
I. Debit card.
II. Prepaid card.
III. Retail charge cards.
A retail charge card can be defined as a type of credit card commonly issued by retailers to their customers in order to avail the customers an ability to charge their goods and services to a specific amount that has been established prior to a purchase.
Hence, it is most common in merchant department, car rental firms, oil companies, clothing stores and other high-volume outlets, where customers are likely to make several purchases each month.
Which of the following is the most appropriate topic to address in a college application essay?
Question 11 options:
A. your family's trip last summer to Yosemite National Park
B. why you decided to volunteer your Saturday afternoons at the local senior center
C. why you think the Yankees aren't likely to win the next World Series
D. your experiences learning to drive a car
No bit links. 15 points.
Answer:
B. why you decided to volunteer your Saturday afternoons at the local senior center
Assume that one year ago, you bought 260 shares of a mutual fund for $19 per share and that you received an income dividend of $0.14 cents per share and a capital gain distribution of $0.24 cents per share during the past 12 months. Also assume the market value of the fund is now $15 a share. Calculate the total return for this investment if you were to sell it now.
Answer:
The ROI is 1040.38 with Distributions and Dividends included if you sell it now.
Explanation:
[tex]260*19=$4940, cost is $4940\\0.14+0.24=0.38 \ in\ distributions/dividends\\260*15=3900, sale\ price \ is 3900\\(4940-3900)+0.38=1040.38[/tex]
Hope this helped!
Edit: This answer doesn't account for any fees, since you didn't list any fees. The only mutual funds that I know of without fees are index funds run by big financial institutions.
Which of the following is the definition of customer experience?
A. The product of an interaction between an organization and a customer.
B. The product of upselling a customer.
C. The product of an interaction between the organization's employees.
D. The product of customer referrals
Answer:
a
Explanation:
what is watermill?write it advantages
A watermill or water mill is a mill that uses hydropower. It is a structure that uses a water wheel or water turbine to drive a mechanical process such as milling, rolling, or hammering.
Explanation:
Water mill is a mill which runs through hydro or water .
it's advantage
it can be used as agricultural produce cutting up material such pulp timber etc
stay safe healthy and happy..The finance department of a large company has prepared a master budget with very limited expense budgets for each department. The department managers are worried about being held accountable for these assigned targets, but senior management wants to keep spending reduced to allow for contingencies and strategic adjustments to the company-wide master budget. Based on this information, this budget process is
Group of answer choices.
A. A successful budgeting process because it will be a very useful tool to hold people accountable for overspending.
B. A successful budgeting process because it will encourage the associates to work their hardest to meet the goals.
C. Not a successful budgeting process because management has left too much room for strategic unknowns.
D. Not a successful budgeting process because it has not been widely accepted by the employees.
Answer:
D. Not a successful budgeting process because it has not been widely accepted by the employees.
Explanation:
A budget is a financial plan used for the estimation of revenue and expenditures of an individual, organization or government for a specified period of time, often one year. Budgets are usually compiled, analyzed and re-evaluated on a periodic basis.
A master budget is a document that contains the aggregation of all lower-level, interrelated financial budgets and operating budgets produced by an organization and it typically comprises of a cash forecast, budgeted financial statements, profit and loss account and balance sheet and a financing plan.
Furthermore, the first step of a budgeting process is to prepare a list of each type of income and expense that will be integrated or infused into the budget. Thus, it is of utmost importance to know total income (inflows) and expenses (outflows).
In the same vein, the final step to be made by the management of an organization in the financial decision-making process is to make necessary adjustments to the budget.
Based on the information in the above passage, the budget process is not a successful budgeting process because it was prepared with very limited expense budgets for each department and has not been widely accepted by the employees.
_____________are expenses incurred when a customer stops buying a product or service from one business and starts buying it from another.
Answer:
Switching cost
Explanation:
Switching costs are the costs when the consumer paid for switching the brands or products. It can be in terms of effort based, time based, etc
It can employ the high switching cost in order to protect the customers from shifting to the another brand
Therefore the switching cost should be considered