What must people taking out a mortgage agree to? Check all that apply.
a loan amountplans for repairsan interest raterenovation ideaspayment termsThe factor that all mortgage takers have to agree to are:
payment termsa loan amountan interest rateWhat is a mortgage?This can be described as an agreement that is in existence between a person and a lender.
This agreement gives the lender the right to take over a property if the borrower fails to meet with the terms of the mortgage.
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Choose the best closing for a message requesting the receiver's support for a proposed change in a benefits plan.
a. please e-mail me at your earliest convenience with your decision.
b. contacting me by december 1 about your support of this new benefits plan will allow me to present this proposal at the next strategic planning session.
c. if you have any further questions about this new benefits plan, please do not hesitate to contact me.
d. we really need to implement this new benefits plan soon.
What does the preamble to the Constitution envision?
Answer:
All of these. Edg 2020
Explanation:
A bank currently has $100,000 in checkable deposits and $15,000 in actual reserves. if the reserve ratio is 20 percent, the bank has ________ in money-creating potential. if the reserve ratio is 14 percent, the bank has __________ in money-creating potential. -$5,000; $1,000. $20,000; $14,000. $5,000; $1,000. $3,000; $2,100.
A bank with $100,000 in checkable deposits and $15,000 in actual reserves has a money-creating potential of -$5,000 at a 20% reserve ratio and $1,000 at a 14% reserve ratio.
Explanation:To calculate a bank's money-creating potential, we must first determine the required reserves and compare it to the actual reserves. The difference will indicate the potential for additional loans (money creation). When the reserve ratio is 20%, the required reserves for $100,000 in checkable deposits would be 20% of $100,000, which is $20,000. Since the bank has actual reserves of $15,000, it has insufficient reserves and thus no money-creating potential; in fact, it is $5,000 short. If the reserve ratio is 14%, the required reserves would be 14% of $100,000, which is $14,000. With $15,000 in actual reserves, the bank exceeds the required amount by $1,000, representing its money-creating potential.
Why is it important for engineers to have good communication skills?
For engineers to advance in their careers, work well with others, and complete their projects successfully, they must possess strong communication skills.
Enhancing your career: Employers value engineers with great communication abilities, and doing so is beneficial.
Collaboration: Engineers must often communicate with coworkers, superiors, staff from various departments, and even clients.
Group work: For engineers, the majority of project activities take place in groups, hence effective group communication is crucial.
Marketing: Engineers can effectively sell their ideas and draw in customers by having strong communication abilities.
Engineers' self-confidence, which is essential for success in their professional careers, can be developed through working on their communication abilities.
As a result, the significance of the important for engineers to have good communication skills are the aforementioned.
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The main problems of setting up a snack shop at a school
Setting up a snack shop in a school involves dealing with nutritional and health concerns, logistical hurdles such as the cost and preparation of healthy food, and infrastructural problems including rodent infestation or inadequate facilities.
The main problems of setting up a snack shop at a school are several-fold and often involve concerns about health and nutrition, logistical issues, and infrastructural challenges. Health-wise, the availability of unhealthy "junk food" options contributes to the obesity trend among school students, presenting a contradiction between nutritional education and actual offerings. Logistical problems include the high cost and limited availability of healthy food options, as well as the planning and preparation time required to serve nutritious meals. Infrastructure issues can range from poor conditions in existing school cafeterias such as rodent or pest infestation and unsafe electrical setups to the lack of devices for students to access information about healthy eating. Successfully running a snack shop also includes managing the physical space efficiently, ensuring that there are enough seats and appropriate conditions such as lighting and noise levels, and adapting to challenges such as segregating students into 'bubbles' due to health or school policies.
How could biotechnology affect your privacy?
Final answer:
Biotechnology could affect privacy through the collection and potential misuse of genetic information, raising concerns over ownership of DNA and the implications of tracking personal data including biometric identifiers.
Explanation:
Biotechnology could affect your privacy in several ways. For instance, the collection and potential misuse of genetic information is of significant concern. Companies and researchers that carry out genetic testing might have access to your genetic data, which raises questions about who owns this information and how it could be used or shared.
In terms of identity and ownership, there is a debate on whether obtaining someone's genetic code without consent, potentially for profit or research, constitutes an invasion of privacy. This could lead to individuals or entities claiming ownership over parts of your DNA or personalized treatments developed from your genetic material.
Additionally, there are fears associated with technology like social media platforms and digital tools that track and collect personal data, which may now include biomeasures or genetic markers. The right to privacy becomes more complex when considering these biometric identifiers, which could be used by authorities or companies for surveillance or discriminatory practices.
You can expect that an investment could gain or lose as much as 20% in a year. Your investment is $5,000. What is the lowest value you expect at the end of the year?
A.) $1,000
B.) $2,000
C.) $4,000
D.) $5,000
The lowest expected value of the investment after a potential 20% loss is calculated by subtracting the loss of $1,000 from the initial $5,000, resulting in a value of $4,000. Option C is correct .
To calculate the lowest expected value of an investment that could gain or lose as much as 20% in a year, you must first determine what a 20% loss would look like from the initial investment of $5,000. A 20% decrease of $5,000 is calculated as 20% of $5,000, which equals $1,000 (0.2 × $5,000). To find the lowest expected value, you subtract this loss from the initial investment, resulting in:
Lowest expected value = Initial investment - Loss value
Lowest expected value = $5,000 - $1,000
Lowest expected value = $4,000
Therefore, the lowest value you expect at the end of the year would be $4,000, which makes option C the correct answer.
Most Americans avoid the use of credit when it comes to buying big ticket items like a car or furniture for their home
A true
B false
Final answer:
The claim that most Americans avoid using credit for major purchases is false. Credit is a frequently used financial tool for major acquisitions like vehicles and furniture, facilitating essential purchases and offering the opportunity to establish a credit history.
Explanation:
The statement that most Americans avoid the use of credit when it comes to buying big ticket items like a car or furniture for their home is False. Credit is commonly used by Americans to finance large purchases such as automobiles and household items. Credit allows consumers to obtain essential goods they may not have the immediate funds for, such as transportation for work or necessary home furnishings. While caution is always advised when undertaking debt, credit can be valuable and even beneficial when managed properly. It enables people to build a credit history, which is important for future financial transactions like securing a mortgage. High interest rates on credit card debt often make it an expensive option, hence it's better to pay off credit balances quickly or go for specific loans like an auto loan, which typically have lower interest rates.
James purchased five bonds of face value of $1,000 that paid 5 percent annual interest rate. the total annual interest income of james for each year is _____.
A tax of 20% is collected on every purchase at a supermarket.select all the statements that are correct.answer choicesa box of chocolates that costs $10 before tax will cost $12 after tax. a book that costs $20 before tax will cost $24 after tax. a set of books that costs $48 after tax will cost $40 before tax. a flower vase that costs $24 before tax will cost $22 after tax.
the annual percentage yield (apy) is the
Answer:
Interest rate avertised by borrowers
Explanation:
Change theorists and practitioners take an "it depends" approach in which the style of change, especially the style of leadership, is dependent on the scale of the proposed change and the readiness of the staff to receive it.
Trueview video ads can be especially effective for driving what goals?
TrueView video ads can be effective for driving consideration and action goals. The TrueView is a video ad format that provides the watcher choices; the most common option is the capability to skip the ads when five seconds is already completed.
Because investors can eliminate unsystematic risk "for free" by diversifying their portfolios, they ________.
a. do not require a credit spread
b. are indifferent about credit spread and risk premium
c. do not require a risk premium for bearing it
d. require a risk premium for bearing it
What is data mining? A. A promotion strategy B. Entering primary data into a CRM database software program C. Collecting primary and secondary data D. Analyzing data to detect patterns of shared characteristics Please select the best answer from the choices provided A B C D
Answer:
D. Analyzing data to detect patterns of shared characteristics
Explanation:
Data mining is a process that organizations use to find patterns in big amounts of data to learn about their customers to be able to predict possible behaviors and develop better marketing strategies that can help achieve the company's goals. According to this, data mining is analyzing data to detect patterns of shared characteristics.
SWAG refers to _____. stuff we all get specific, worldly, attitude, and generosity a specific movement convention time schedule.
When a company controls all three phases of the film-industry production, distribution, and exhibition it is said to be:?
Which of the following would likely be covered under homeowners insurance but NOT by renter's insurance?
A credit score tells a lender how
A credit score is a numerical rating that represents a person's creditworthiness. It informs lenders about the risk they might bear by lending to the individual, based on their past credit history.
Explanation:A credit score is a numerical expression that represents an individual's creditworthiness. It's primarily used by lenders to assess the risk they might be taking by lending money or providing credit to a particular individual. If a person has a high credit score, it indicates that they have a history of managing their debts well, making payments on time, and being responsible with credit; thus reducing the risk for the lender. Conversely, a low credit score may suggest that the individual has had difficulties managing their debts in the past, therefore posing a higher risk to the lender.
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Jason brought $39.50 to the state fair. he bought a burger, a souvenir, and a pass. the burger was 1 3 as much as the souvenir, and the souvenir cost 1 2 the cost of the pass. jason had $4.50 left over after buying these items. what was the cost of each item?jason brought $39.50 to the state fair. he bought a burger, a souvenir, and a pass. the burger was 1 3 as much as the souvenir, and the souvenir cost 1 2 the cost of the pass. jason had $4.50 left over after buying these items. what was the cost of each item?
Given: Price of the Pass
Jason’s money = $39.50
Let X=Price of Pass
Price of Souvenir =12X
Price of Burger=13(12X)
Amount Left=4.50
X+12X+(13(12X)=39.50-4.50
X+12x+156X=35
169X=35
X=35/169=0.207101
Price of Pass=0.207101=0.21
Price of Souvenir =12X= 2.485207=2.49
Price of Burger=13(12X)=13(2.485207)= 32.30769=32.30
To verify:
.21+2.49+32.30=35
Jason spent a total of $35.00 on three items. The cost of the burger was $3.50, the souvenir was $10.50, and the pass was $21.00, based on their respective relationships.
Jason brought $39.50 to the state fair and purchased three items: a burger, a souvenir, and a pass, with $4.50 remaining. To solve for the cost of each item, we'll set the price of the burger as B, the price of the souvenir as S, and the price of the pass as P. Based on the information provided, we have the following relationships:
The burger costs [tex]\frac{1}{3}[/tex] as much as the souvenir: B = [tex]\frac{1}{3}[/tex] × S.
The souvenir costs [tex]\frac{1}{2}[/tex] the cost of the pass: S = [tex]\frac{1}{2}[/tex] × P.
Jason had $4.50 left after the purchases, so the total spent on items is $39.50 - $4.50 = $35.00.
Using the relationships, we combine the prices into one equation: B + S + P = $35.00. By substituting for B and S we get: [tex]\frac{1}{3}[/tex] × S + S + 2 × S = $35.00 which simplifies to 3 [tex]\frac{1}{3}[/tex] × S = $35.00. Solving for S, we find that the souvenir costs $10.50. Using the relationship between S and P, the pass costs twice the souvenir, $21.00. Lastly, the burger costs one third the souvenir, yielding a cost of $3.50 for the burger.
Therefore, the burger cost $3.50, the souvenir cost $10.50, and the pass cost $21.00.
In a contract, what is consideration? A. Exchanging things of value B. Breaching the contract C. A business tort D. The minimum age for the contract Please select the best answer from the choices provided A B C D
Answer: A
Explanation:
Perfect price discrimination is
a. unlikely to occur because firms are typically able to keep consumers who buy a product at a low price from reselling it.
b. unlikely to occur because firms typically do not know how much each consumer is willing to pay.
c. likely to occur because it results in economic efficiency.
d. likely to occur because it results in higher profits.
e. both a and
b.
In _______, data from transactions are collected over time and then processed all at once. multiple choice batch processing group processing real-time processing consignment processing
____________ is the extent to which less powerful members of a group accept that power is distributed unequally.
What is the role of the Federal Open Market Committee (FOMC)?
A. It makes key decisions about interest rates and the growth of the United States money supply.
B. It collects information on each Federal Reserve District and reports on economic conditions to the Board of Governors.
C. Composed of seven members appointed by the President, it oversees the Federal Reserve System.
D. It redraws the map of the 12 Federal Reserve Districts every ten years in response to economic changes.
Final answer:
The FOMC is responsible for making key decisions about interest rates and the growth of the U.S. money supply, consisting of twelve members including seven Board Governors and five regional Federal Reserve Bank presidents.
Explanation:
The role of the Federal Open Market Committee (FOMC) is to make key decisions regarding open market operations, which are an essential component of the United States monetary policy. The FOMC consists of twelve members: the seven members of the Federal Reserve's Board of Governors, the president of the New York Federal Reserve Bank who has a permanent voting membership, and four presidents from the remaining eleven regional Federal Reserve Banks who serve on a rotating basis. Option A
The committee is responsible for making decisions that influence the growth of the U.S. money supply and interest rates, aiming to foster economic growth and stability. The FOMC typically meets every six weeks, or more often if needed, and decisions are made by consensus with a significant role often played by the Federal Reserve's chairman in shaping that consensus.
What does the Federal Unemployment Tax Act (FUTA) do?
A company that has no money to spend on marketing would probably be best advised to try their luck, at least initially, with what form of promotion? question 15 options:
a. advertising
b. personal selling
c. sales promotion
d. publicity
e. all forms simultaneously
When two firms who do not participate in the same industries, for example a software company and a fast food restaurant company decide to merge, the result is called a ____________ merger?
Motor vehicle drivers paying for the full cost of the harmful effects of fossil fuel use is the application of the ____.
The application of motor vehicle drivers paying for the full cost of the harmful effects of fossil fuel use is known as a pollution charge.
Explanation:The application of motor vehicle drivers paying for the full cost of the harmful effects of fossil fuel use is known as a pollution charge. This is a type of environmental policy that imposes taxes or fees on activities that are deemed detrimental to society or the environment. In the case of motor vehicle drivers, taxing gasoline can be seen as a charge on the air pollution caused by cars and also serves as a source of funding for road maintenance. Gasoline taxes are higher in many other countries compared to the United States.
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