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Harold and elaina are being considered for a car loan. the banker looks at their creditworthiness because he wants to be sure the bank will get the loan payments on time and that the loan will be paid back in full. the table below summarizes the information that was on their applications. application information questions harold elaina how many years have you had your job? 3 7 what is your monthly salary? $2,600 $2,250 how many credit cards do you have? 2 6 how much debt do you have? $3,000 $12,000 how many times were you late with payments on credit cards in the past year? 1 8 who will get the better loan rate from the banker and why? elaina because she has more credit cards available to her. elaina because she has had her job longer, which makes her look more stable. harold because he makes more money per month. harold because he pays his bills on time and does not have too much debt compared to his income.
Answer:
Harold because he pays his bills on time and does not have too much debt compared to his income.
Explanation:
the income for both persons is quite similar but their credit history is substancially different.
Eliana has a lower salary but higher debt than Harold thus, his debt to income is higher. Elaina also fails in their payment. From the credit card we can assume is paying one by transferring to another credit card.
While Harold is a more reliable borrower as it has lower debt and pays on time for most of the time.
True or false: if stock prices follow a random walk,
a. successive stock prices are not related.
b. successive stock price changes are not related.
c. stock prices fluctuate above and below a normal long-run price.
d. the history of stock prices cannot be used to predict future returns to investors.
Which best describes what a subsidy does?
a. It keeps the price of domestic goods relatively low.
b. It raises the price of imported goods.
c. It encourages the import of foreign goods.
d. It eliminates all taxes on domestic goods.
Answer:
The answer is: A) It keeps the price of domestic goods relatively low.
Explanation:
The main reason why subsidies exist, is to try to improve social efficiency. Usually public services are subsidized, like public transport (e.g. buses, subway). When people use the subway they aren't only saving money by not using their cars, but they are also polluting less, streets aren't as crammed, etc.
Now imagine who could build and operate a subway system other than the government. It is impossible, no company could afford to build a fully functional subway system and much less operate it at a low price. Therefore here the government with huge infrastructure projects and subsidizes.
When governments decide to subsidize products, for example milk, they do it to lower its price so that the quantity demanded increases. Drinking milk is not subsidized for its great taste, but because it's very good for kids to do it (it's a very healthy habit).
The sarbanes-oxley act created the _____ to oversee the accounting firms that audit public corporations and to establish rules and standards for auditing.
a. public company accounting oversight board
b. corporate accounting oversight commission
c. enron accounting fraud administration
d. occupational health and safety administration
The Sarbanes-oxley act created public companies accounting oversight boards to oversee the accounting firms that audit public corporations and to establish rules and standards for auditing. Therefore option A is correct.
The term "audit" often refers to an examination of financial statements. A financial audit is an independent review and assessment of an organization's financial statements to ensure that they fairly and accurately reflect the transactions they purport to represent. Employees of the organization may conduct the audit internally, or an outside Certified Public Accounting (CPA) firm may do so externally.
Almost all businesses have their financial statements, including the income statement, balance sheet, and cash flow statement, annually audited. As part of their debt covenants, lenders frequently demand the annual findings of an external audit.
Due to the strong incentives to purposefully misstate financial facts in an effort to perpetrate fraud, audits are a legal necessity for several businesses. The Sarbanes-Oxley Act (SOX) of 2002 mandates that publicly listed corporations also get an assessment of how effective their internal controls are.
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Asking potential dating partners for a date is most likely to be reinforced on a ________ schedule. variable-interval variable-ratio fixed-interval fixed-ratio
Answer:
Variable-ratio
Explanation:
A variable-ratio reinforcement schedule occurs when a behavior is reinforced based on a random number of displays. Thus, unlike fixed schedules, asking for dating partners do not always elicit a positive reward - which is why it is categorized as variable; the response can be positive or negative. It is also not an interval-based reinforcement schedule, since it is not based on time period. Variable-ratio schedules fit this behavior since asking someone out can get you a positive response once you tried hard enough or with enough people - but when it would happen, you cannot predict.
Final answer:
Asking for dates is most likely to be reinforced on a variable-ratio schedule, as it is similar to gambling where reinforcement is unpredictable, leading to a high and consistent response rate.
Explanation:
Asking potential dating partners for a date is most likely to be reinforced on a variable-ratio schedule. This type of reinforcement schedule provides reinforcers after an unpredictable number of responses, which is akin to gambling or playing slot machines. Just as a gambler continues to play due to the unpredictable nature of winning, a person asking for dates may continue to ask because the reinforcement (acceptance of the date) is unpredictable and occurs after an irregular number of attempts. This schedule tends to produce a high rate of response because the reinforcement is not predictable, so the behavior is repeated more frequently in hopes of encountering the reinforcement.
The two general kinds of trade barriers are _____.
a. qualitative and quantitative barriers
b. voluntary and involuntary barriers
c. tariff barriers and nontariff barriers
d. government import standards and industry import standards
e. nationalistic and geocentric barriers
Tariff barriers and nontariff barriers are the two general kinds of trade barriers.
A trade barriers refers to those barrier which serves as impediment to smooth trading in a location.
A trade barriers can take the form of tariffs barriers which impose a financial burden on imports or non-tariff barriers which uses other overt and covert to restrict imports or export.
In conclusion, the Tariff barriers and nontariff barriers are the two general kinds of trade barriers.
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"according to the business process modeling notation standard, the start of a business process is symbolized by a ________."
MEDAL!
Which of the following is NOT an example of a local government?
a.
school districts
c.
neighborhood associations
b.
municipalities
d.
counties,
What is one stated purpose of the World Trade Organization? To create a common currency. To encourage the expansion of exports to monitor trade policies of many countries. To establish direct trade agreements between countries.
Answer:
cCCccccCCcccCcccc
Explanation:
The correct option is B., "To encourage the expansion of exports to monitor trade policies of many countries.", as the World Trade Organization aims to monitor and sustain trade agreements made in the Uruguay Round, promoting trade liberalization to foster economic growth and development.
Its main purpose is to encourage the expansion of exports and monitor trade policies of member countries.
The World Trade Organization (WTO) was established to monitor and sustain the agreements made in the Uruguay Round, promoting trade liberalization to foster economic growth and development. Unlike creating a common currency or establishing direct trade agreements, the WTO aims to encourage the expansion of exports by reducing trade barriers. It acts as a platform where member nations can monitor each other's trade policies to ensure compliance with agreed-upon trade policies.Full Question:
What is one stated purpose of the World Trade Organization?
A. To create a common currency.
B. To encourage the expansion of exports to monitor trade policies of many countries.
C. To establish direct trade agreements between countries.
When apis are shared, the term web ____ describes the process of organizations communicating through a network to share data without needing extensive knowledge of each other's systems?
The company, suppliers, distributors, and customers who open double quote partnerclose double quote with one another to improve the performance of the entire system make up the __________.
a. downstream network
b. marketing channel network
c. supply chain network
d. value delivery network
e. upstream network
About what percent of arson fires are set by individuals under 18? less than one percent twenty percent fifty percent eighty percent criminology
The contract will be awarded to ____ meets our qualifications. whomever whoever
In the state of florida, for example, homeowners may qualify for a tax exemption in which up to $50,000 will be deducted from the assessed value of the property before taxes are calculated as long as the property owner occupies a home as the family's principal residence and has claimed residency within the state. this exemption is better known as the
West africa has tropical wet and dry forests, also known as tropical ________ forests, which receive rainfall for several months followed by dry and hot months.
which business type is notably the easiest to acquire ?
A. Licensing
B. Franchise
C. Sole proprietorship
D. C corporation
Answer:
sole proprietorship
Explanation:
A sole proprietorship is the easiest business type to acquire among the given options because it involves fewer legal complexities and paperwork than establishing a franchise, licensing or a C corporation. However, the owner also has unlimited personal liability for the business's debts or obligations.
Explanation:Among the options provided, a sole proprietorship is notably the easiest to acquire. This is because setting up a sole proprietorship typically involves less paperwork and fewer legal intricacies than establishing a franchise, licensing, or a C corporation. Sole proprietorship is a business structure owned by a single individual who has full control over all the business operations and decisions.
Another advantage of a sole proprietorship is that the owner gets to keep all the profits. But, it also means the owner has the unlimited personal liability for any debts or obligations of the business. Therefore, while it's the easiest to acquire, it might not always be the best choice depending on the circumstances.
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Today's demand curve for gasoline could shift in response to a change in
When cleaning a minor wound with gauze, which method should be used?
_________ data includes sentiment mining in social media and tracking shopper behavior in stores.
Big Data encompasses sentiment mining in social media and tracking shopper behavior. It is utilized for extracting insights from large data sets, with sentiment analysis being a key tool for businesses and PR professionals to engage with audiences and adapt to market trends.
The type of data that includes sentiment mining in social media and tracking shopper behavior in stores is commonly referred to as Big Data. This data is characterized by its large volume, velocity, and variety, involving complex and sophisticated analyses. Businesses and organizations leverage Big Data to extract meaningful insights from patterns in social media, consumer behavior, and other sources. Techniques like data mining, sentiment analysis, and social listening are critical for understanding audience preferences and trends in real time.
Sentiment analysis, also known as opinion mining, is a valuable tool for companies and public relations (PR) professionals. It involves analyzing social media posts to gauge public opinion and react proactively to emerging trends. For example, real-time sentiment analysis helped L'Oreal Paris engage with consumers by responding to Tweets during the Golden Globe Awards, showing how data analysis can provide immediate marketing opportunities.
Data mining and statistical analysis play a crucial role in sifting through big data sets to discover usage patterns and consumer sentiments. This information is vital for industries to refine their marketing strategies, improve products, and even locate issues such as theft or counterfeit goods.
Egan is very skilled at budgeting his money, he is very patient, he understands how to track his own financial records, and he keeps calm and collected during stressful occasions. In which Finance career would Egan be most successful?
A) Business Finance Management
B) Financial Investment Planning
C) Insurance Services
D) Banking and Related Services
The Financial career in which Egan would be most successful is:
A) Business Finance Management
Explanation: The Business Finance Management requires a lot of skill in planning and budgeting money. This career requires patience knowledge and understanding in tracking financial transactions. And all of these skills and knowledge are possessed by Egan that is why he can be most successful in Business Finance Management career.
The answer is: B) Financial Investment Planning
People who choose a career in financial investment planning need to be able to plan how to allocate other people's earning methodically so it could grow exponentially in the long run. This require deep skill in budgeting, patience, and ability to be calm in stressful occasions since financial investment planners would most likely have to face fluctuating market value that might not always be favorable.
"_____ is the process of presenting computing resources that are accessed in ways that appear to not be restricted by physical configuration or geographic location."
What are some of the roadblocks to economic development in west africa?
If the APR of a saving account is 4.8% and interest is compounded monthly what is the approximately APY of the account?
A. 10.49%
B. 4%
C. 1.05%
D. 4.91%
Investments in information systems projects today are evaluated in the context of an entire portfolio of projects.
a. True
b. False
"the term ________ means that the computing resources leased can be increased or decreased dynamically in a short span of time and that organizations pay for just the resources that they use"
The term 'Scalability' refers to the ability to adapt computing resources to the demand dynamically, which means that resources leased can be increased or decreased quickly and you pay only for what you use.
Explanation:The term you're referring to is Scalability. In the context of computing, Scalability refers to the capacity to handle growth or decrease in demand by dynamically allocating or deallocating resources in a very short period. This means you can increase or decrease the resources that you lease based on your needs. Furthermore, a key advantage of this model is that you only pay for the resources you use. Let's take cloud computing for an example, you may instantly require more resources during peak usage times and less during off-peak times. Scalability allows you to adjust your resources accordingly swiftly, hence controlling the overall costs.
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________ consists of the official and defined structures and systems related to decision making, communication, and control in the organization.
Which best explains why a credit score represents
Means that sellers can restrict people who do not pay for the product from obtaining its benefits
In macroeconomics, excludability means that sellers can restrict people who do not pay for the product from obtaining its benefits.
What is Macroeconomics?The study of an economy's overall performance, structure, behavior, and decision-making is known as macroeconomics. Using interest rates, taxes, and government expenditures, for instance, to control the expansion and stability of an economy. This covers local, national, and international economies.
Macroeconomics is the study of how economies function, including changes in the balance of payments, inflation, interest as well as foreign exchange rates, and economic production. Only with a solid monetary and fiscal policy are poverty alleviation, social equality, and sustainable growth conceivable.
Macroeconomics is the branch of economics that focuses on large-scale or general economic issues and how they interplay in economies. It is the study of entire economies.
Macroeconomics is a subfield of economics that focuses on the behavior of the economy as a whole, including the markets, firms, customers, and governments.
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In the economic term oligopoly the word part olig probably means
Final answer:
The word part 'olig' in 'oligopoly' signifies 'few', pointing to the market dominance by a small number of firms that can lead to collusion and monopolistic behaviors.
Explanation:
In the economic term oligopoly, the word part 'olig' likely means 'few' or 'a small number'. An oligopoly is a market structure characterized by a few powerful firms dominating the industry, with high barriers to entry for others. This concentration allows oligopolists to earn their highest profits through potential collusion, acting similarly to a monopolist by reducing output and raising prices. However, such practices often face challenges, including the fact that explicit collusion among firms is illegal.
What provides the means of storing, transmitting, altering, and receiving data through electronic means?
A. Infrastructure
B. Information communication technology
C. Decision support system
D. Management information system
Answer:
Information communication technology
Explanation:
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