What must people taking out a mortgage agree to? Check all that apply.

a loan amountplans for repairsan interest raterenovation ideaspayment terms

An important factor in a contract exchanging valuable items Thus option (A)  is correct.

A contract is an enforceable legal arrangement that establishes, details, and regulates the rights and duties of the parties. The transfer of commodities, services, money, or a promise to transfer any of those at a later time is a common component of contracts.

The simplest definition of a contract is a commitment that is legally binding. The commitment could be to carry out or abstain from a certain action. A contract must be made by two or more parties who must agree to it, with one of them typically making an offer and the other accepting it.

Therefore, Thus option (A)  is correct.

Learn more about the contract here:

https://brainly.com/question/2669219

#SPJ2

Each credit card has a credit limit. The limit is the greatest amount of money a person can spend using the card. Spending more than the card's limit can result in a penalty fee.

Answer:

b. higher by 0.25%

Explanation:

The closing costs were higher because:

$312,500*4,25%= $13,281

The estimated closing costs were $12,500 and the actual value was $13,281.

Also, to determine the percent by which the costs were higher, we have to calculate what percentage of the home loan were the estimated closing costs of $12,500. So,

$12,500/$312,500= 0,04*100= 4%

The estimated costs were 4% of the loan amount and the actual closing costs represent 4,25%. According to this, the actual closing costs are higher by 0,25%.

Avoid strategy as the threat risk is directly related to identified threats or these sources of threats are cancelled

The identification , analysis, or control or possibly elimination of any undesired hazards and risks arising from the certain situation and activity

There are four risk management strategies which are:

In case of cancelling the dance class, we could note that the risks is directly related to the identified threats or the threats is totally cancelled in the order to avoid those risks. Therefore, the best strategy describing it situation is "avoid strategy"

Learn more about risk management here https://brainly.com/question/4680937

#SPJ2

The reserve ratio is the part of a depositor ’s balances that banks must have on hand as cash.

This is a requirement determined by Federal Reserve and this affects the money supply in a country at any given time.

If the desired reserve ratio is 20%, and the FED sold $100 of government and there is no currency drain, then the quantity or supply of money will decrease. 

Answer:

d.  It already does.

Explanation:

Labor discrimination is present in many companies, but that does not mean that you cannot put a stop to these attitudes that affect people so much emotionally.

The work environment is a factor that we should take into account when forming a team or entering a company. Labor discrimination can significantly affect this, and influence the efficiency and productivity of employees.

There are different types of discrimination: by religion, gender, physical appearance, disabilities, among others. They can appear both in interviews and in your current job.

Labor discrimination can affect the person in your life, both personal and professional.

Most frequent types of job discrimination

- Female gender: they treat women as if they were not able to hold an important position in a company. They also often fire or not hire women for pregnancy.

- People with low resources: when people do not have a high socio-economic level, they do not even interview them.

- Elderly people: it is a problem for the elderly to find work, since employers prefer young people.

- Sexual diversity: sexual orientation is sometimes a reason why people at work exclude people.

- Disabled: people with disabilities find it difficult to get a job, since there are not many companies that accept people with disabilities.

These discriminated aspects do not occur in all companies. In the works that if these problems happen, they can be avoided by seeking help from a professional in the matter. Never let them mistreat you, there is always someone who can help you overcome such situations.

The answer would be Self Service, because she likes the convenience of doing it herself.

A reason many advertisers end up undervaluing mobile's contribution to conversions is that the advertisers are using a last-click attribution model that purposely measures the performance. By that reason, it takes aside and ignores the earlier clicks found in the conversion line that is brought by another device.

Answer:

c

Explanation:

She should pay with a check method of payment should she use to be financially responsible. Thus option D is correct.

A corporation or organization uses buying to buy products or services in order to achieve its objectives. Since many businesses make an effort to establish standards for the shopping experience, procedures can differ significantly between firms.

If she purchases the amount that is present in the debit card as she might not know of the changes that will happen from not knowing the amount that will be present in the account.

When giving the check Sean’s mother was can make sure that the amount will be present in the bank and later make sure that the amount was to be paid.  Therefore, option D is the correct option.

Learn more about purchase, Here:

https://brainly.com/question/24112214

#SPJ2

After a salesperson compiles a list of potential customers, they need to qualify these leads. Qualifying leads involves analyzing if potential customers are a good fit for the product or service based on factors such as their need for the product, financial capability, decision-making power, and the likelihood to make a purchase.

After compiling a list of potential customers, a salesperson must next qualify the leads. This involves analyzing the potentials to decide if they are a good fit for the product or service they are selling. Qualification can be based on various factors like the customer's need for the product, their financial capability, decision-making power, and their likelihood to make a purchase.

For instance, if a salesperson was selling high-end office furniture, they might qualify leads based on company size, budget, and current office set-up to assess if there is a genuine need and financial capability for their product.

https://brainly.com/question/32403477

#SPJ12

The fundamental sources of stockholders' equity are paid-in capital and retained earnings. Paid-in capital includes the funds received from selling shares, while retained earnings are net profits kept within the company.

The two basic sources of stockholders' equity are paid-in capital and retained earnings. This means that option 'a' is the correct answer. Paid-in capital is the amount of money that the company has received from the issuance of its shares. Retained earnings, on the other hand, are the profits that the company has earned over time and decided to keep within the business rather than distribute them as dividends. Both of these constitute the equity that stockholders have in the company.

https://brainly.com/question/31982519

#SPJ11

The correct answer is Compassionate love.

Explanation

The triangular theory of love is a theory developed by the American psychologist Robert Sternberg, who classified love-mediated relationships based on three factors that are intimacy, passion, and commitment. It defines each of the three factors: commitment, passion, and intimacy. The commitment is what gives fidelity to a relationship, the passion the desire to be with the other person including sexual desire, and the intimacy that is the feeling of confidence or friendship and affection between two people. From this, it also relates these factors to define some types of love.

In the case of Compassionate love, this is characterized by the absence of passion; however, there is a great feeling of intimacy and commitment. This type of love can be seen in the relationship between Herbie and Irene because there are love and commitment between them having spent 55 years of marriage together; however, their passion and desire have been extinguished. So, the correct answer is Compassionate love.

In the situation given above, it becomes mandatory for Mopsun to sell at least 2000 hoodies each year in order to cover all the costs associated in selling the hoodies at his garment store.

Costs can be referred to or considered as the total amount incurred in doing a business activity related to the organizational functions, either directly or indirectly. Some costs are fixed, while some costs associated with these activities are variable.

The point of equilibrium, i.e., the amount of production costs is nullified, can be calculated as,

Equilibrium Point = Total Fixed Costs / Total Variable Cost

Equilibrium Point = 8000 / (7-3)

Equilibrium Point = 2000 units of hoodies.

Therefore, the significance regarding costs has been aforementioned.

Learn more about costs here:

https://brainly.com/question/14560343

#SPJ2

Final answer:

The most disruptive behavior statement is the one that implies a single-handed approach to problem-solving, "I figured out how to solve the problem so I’ll speak first," as it negates the collaborative process and may create conflict within the team.

Explanation:

The statement most likely to derail efforts in making progress towards the goal as a team is "I figured out how to solve the problem so I’ll speak first." This attitude can be disruptive because it disregards the collaborative effort and insights of other team members. It prioritizes one individual’s solution over a group discussion, potentially stifling the contribution of other ideas and undermining the collective decision-making process. Alternatively, statements such as being sorry for being late or being unsure about one's ideas invite further discussion without imposing authority. Recognizing the lack of time for proper analysis also does not shut down the potential for team progress, as it can lead to scheduling another meeting where everyone is better prepared. In contrast, unilateral decisions without regard for group consensus can lead to conflict and hinder progress.

It is crucial for a team to navigate through diverse opinions and find a way to negotiate a compromise that respects the contributions of all members. It is equally important to avoid polarizing the conversation or creating an environment where some members might feel their input is unwelcome or ignored. Being conscious of group dynamics and effective communication strategies can play a significant role in reaching a successful outcome for team goals.

Final answer:

An embargo is a politically induced reduction in supply, such as the 1970s Arab Oil Embargo, leading to higher prices, while a natural shortage is due to uncontrollable events affecting supply. Embargos may be lifted and prices stabilize, but natural shortages require more long-term changes or innovation in energy sourcing.

Explanation:

An embargo like the one during the Arab Oil Embargo of the 1970s creates an artificial drop in the supply of oil as a strategic, political maneuver, drastically increasing prices due to reduced availability. Contrastingly, a natural shortage of oil would occur due to unexpected events such as natural disasters or depletion of oil reserves, not because of a political decision. While the embargo leverages control over supply to influence political outcomes and can be resolved through diplomatic means, a natural shortage is usually beyond immediate human control and requires adjustments in industry practices or shifts in energy sources.

Different from an embargo that can be lifted, resulting in supply and prices eventually stabilizing, natural shortages might lead to longer-term challenges in supply and could spur innovation and exploration for alternative energy sources. The embargo during the 1970s also showcased how domestic oil production increased and other countries reconsidered their foreign policies due to the oil supply crisis. Both scenarios demonstrate the law of supply: higher prices incentivize suppliers to increase production or seek alternative solutions.

"The correct answer is 24 satellites.

The global positioning system (GPS) consists of a constellation of satellites that orbit the Earth. Initially, the question states that there are 21 satellites plus 3 working spares, which sums up to 24 satellites. These satellites are crucial for providing the signals required for GPS devices to determine their location on Earth with high precision. The 24 satellites are distributed among six orbital planes, with typically four satellites in each plane, ensuring that at least four satellites are visible from any point on Earth at any given time, which is the minimum number needed for accurate trilateration of a user's position."

The option (d) is correct. In order to generate higher profit margins, producers must work to decrease their production cost.

Further Explanation:

Profit Margin is a measure of the profitability of the company. It is computed as the net profit as a percentage of the sales. The higher profit margin results from an increase in sales revenue or a decrease in production cost.

The increase in total supply does not result in the revenue of the company. It only means more products are available to the customers. So, it will not result in higher profit margins.

The increase in total expense and decrease in the customer base will reduce the net profit, thereby reducing the profit margin.

Therefore, Option (d) is correct because a decrease in production cost will increase the net profit, thereby generating a higher profit margin.

Learn more:

1.      Learn more about the total cost

https://brainly.com/question/5949032

2.      Learn more about the variable cost

https://brainly.com/question/9203162

3.      Learn more about the production of the goods

https://brainly.com/question/9356259

Answer details:

Grade: Middle School

Subject: Accounting  

Chapter: Financial statement Analysis

Keywords: Profit Margin, total supply, production cost, total expense, customer base, producer, net profit, sales, to generate higher profit margins, decrease in production cost, increase in in total expense, decrease in customer base, increase in total supply.

The thing which a producer must do to generate higher profit margins is to:

According to the given question, we are asked to state the thing which a producer must do to generate higher profit margins

As a result of this, we can see that for a producer to generate higher profit margins, then he would have to decrease the production costs so that he would be able to use the opportunity cost gotten from the production costs to increase his profit margins.

Therefore, the correct answer is option D

Read more about profit margins here:

https://brainly.com/question/11373844

After four years of weekly lottery ticket purchases, the student has a net loss of $1080, despite winning $1000.

The student has been buying lottery tickets for four years with an average spending of $10 per week. Over these four years, this amounts to 4 years  imes 52 weeks/year  imes $10/week = $2080 total spent. The student has won $1,000, which means we need to calculate net loss.

To determine the net gain or loss, we subtract the total expenditure from the winning amount. First, let's calculate your total expense:

Since the student won $1,000, we subtract this from the total spent:

Therefore, the student won $1,000 but lost $1080 overall.

Answer: The correct answer is that she paid interest on the money that she borrowed.

Explanation: When a customer borrows money to purchase an item there is normally a cost involved. The extra money that she paid is the interest, which is the cost of the bank loaning her money. This money is the bank’s income on loaning her the money.

The bank may use it for paying interest to customers who have money deposited in the bank, for their expenses or for profits for their shareholders.