When a person wants to get a loan from a bank, the agency that ensures they are protected is the CFPB- Consumer Financial Protection Bureau .
The Consumer Financial Protection Bureau:
Was created to protect the public when they seek loans Enforces financial laws aimed at keeping the financial industry fairThe CFPB is therefore the agency that will look into Leah's loan to make sure that she is being treated fairly and is not being charged too much interest.
In conclusion, the agency is the Consumer Financial Protection Bureau.
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C. CFPB- Consumer Financial Protection Bureau
the stock price of ajax inc. is currently $105. the stock price a year from now will be either $130 or $90 with equal probabilities. the interest rate at which investors can borrow is 10%. using the binomial opm, the value of a call option with an exercise price of $110 and an expiration date 1 year from now should be worth __________ today.
Answer:
the linkers be like I got you.
The fundamental problem with the option ARM loan, as most commonly used, was that it created a rapid increase in the:
Based on loan and credit analysis, the fundamental problem with the option ARM loan, as most commonly used, was that it created a rapid increase in monthly payments.
This situation is often described as payment shock risk.
In this option ARM loan, the monthly payments increase based on many reasons like unscheduled recast when a negative amortization limit is attained.
Hence, in this case, it is concluded that the correct answer is "monthly payments."
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A real estate agent who writes up a contract for the purchase of a home is providing ________ utility.
Based on estate management definitions, a real estate agent who writes up a contract to purchase a home provides Possession utility.
This is because a Possession utility is a term used in estate management services to describe the proportion of suitability or perceived value from owning a product.
Therefore, in this case, a real estate agent providing possession utility for a home creates a financing term toward possession of the home.
This possession utility is expected to lead to a high chance of home sales.
Other types of economic utility include the following:
Place;Form;Time.Hence, in this case, it is concluded that the correct answer is "Possession utility."
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It's better to use a debit card instead of a credit card when making online purchases. *1 pointTrueFalse
Answer:
F
Explanation:
Recall the methods of influencing followers discussed in Chapter 13. Which decision making style likely best fits with the influence tactic of collaboration
The decision-making style that is likely to fit best with the collaboration influence tactic is the behavioral style, which focuses on interpersonal relationships.
In this style of decision making, the leader seeks to positively influence his team through collaboration tactics, as his leadership style is geared towards integration between teams.
The decision-making process takes place in a collaborative search for information and evaluation of employees' reactions to a decision, being able to ask for advice and search for new ideas before making the decision.
Therefore, in the behavioral style, it is more likely to have integration, communication and increased motivation at work, as employees feel valued for being included in important decision-making.
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what is the importance of the floriculture in nepal
Explanation:
It deals with cut flowers, bedding plants, houseplants, flower garden, pot plants, cultivated greens for beauty and herbaceous nursery. Floriculture is an important agro-based, labor intensive and business-oriented enterprise in Nepal.
Answer:
It deals with cut flowers, bedding plants, houseplants, flower garden, pot plants, cultivated greens for beauty and herbaceous nursery. Floriculture is an important agro-based, labor intensive and business-oriented enterprise in Nepal.
Suppose that actual inflation is 3 percent, the Fed's inflation target is 2 percentage points, and unemployment rate is 3 percent (which is 1 percent below the Fed's full-employment target of 4 percent). According to the Taylor Rule, what value will the Fed want to set for its targeted interest rate
The government would set its targeted interest at 6.5%
Based on the Taylor's rule
R = π + A + 0.5(A-A*) + 0.5
This is the formula that helps to get the output gap
Definition of terms
R is the nominal federal funds rate
π is the real rate of federal funds = 2%
A is the rate of inflation
A* is the target of of inflation = 2%
Rate of unemployment = 3%
The government has a target of full employment that is at 4 percent.
When we enter the values into the formula
R = 2% + 3% + 0.5(3%-2%) + 0.5%(2%)
= 5% + 0.5% + 1%
= 6.5%
Therefore the government would set its targeted interest at 6.5%
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outline 2 reasons for completing assigned tasks daily
In summary, it is important to complete your tasks because it helps you feel better, helps you identify what you should be working on and together that means you complete more tasks.
given in return for good service *
When freelancers sell to publisher the right to use a piece only once, and there is no guarantee that it has not been published elsewhere first, this arrangement is known as a transfer of
Answer:
One time rights.
Explanation:
the motor city miracle playoff game took place on january 8, 2000, when the tennessee titans returned a kickoff for a touchdown with 16 seconds left. what team did the titans beat in that game?
In January 8, 2000, the Motor City Miracle Playoff game took place that saw the Tennessee Titans play the Buffalo Bills.
The Motor City Miracle Playoff game:
Was played between the Buffalo Bills and the Tennessee Titans Ended in victory for the Titans Saw the Titans win with 16 seconds to goIn this very intriguing game, the Buffalo Bills were well on their way to victory after they scored a field goal with 16 seconds to go. The Titans however, scored a touchdown in those mere seconds to win the game 22 - 16
In conclusion, the Tennessee Titans played the Buffalo Bills.
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the difference between total revenue and total expenses when total revenue is greater.
Answer:
Net loss
Explanation:
A net income occurs when a firm's total revenues (sales) exceed their total costs.
Conversely, a net loss occurs when a firm's total revenues exceed their total costs.
Therefore, the correct answer is net loss.
The difference between total revenue and total expenses when total revenue is greater is referred to as profit or net income. It indicates the financial gain or surplus generated by a business or individual.
To calculate profit, you subtract total expenses from total revenue. If total revenue is greater, then the result will be positive, indicating a profit. Here's a step-by-step breakdown:
1. Total revenue: This refers to the total amount of money earned from sales, services, or any other sources of income. For example, let's say a business has total revenue of $10,000.
2. Total expenses: These are the costs incurred in running the business, including operating expenses, salaries, rent, utilities, and taxes. Let's assume the total expenses for the business amount to $7,000.
3. Profit calculation: To find the difference between total revenue and total expenses, subtract the total expenses from the total revenue. In this case, it would be $10,000 - $7,000 = $3,000.
4. Interpretation: If the result is positive, as in this example, it means the business has made a profit of $3,000. This indicates that the total revenue exceeded the total expenses, resulting in a financial gain.
In summary, the difference between total revenue and total expenses when total revenue is greater is the profit or net income. It is calculated by subtracting total expenses from total revenue and represents the financial surplus generated by a business or individual.
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when a company capitalizes a cost, its ______ increase.
Based on accounting principles, when a company capitalizes on a cost, its long-lived assets increase.
This is because long-lived assets are assets that a business enterprise uses for more than one year. It is mainly used for many years.
Long-lived assets are sometimes described as long-term assets. Because the business owners only pay for them once, it is believed that the company capitalizes on its cost to produce more commodities or services.
Hence, in this case, it is concluded that the correct answer is "long-lived assets."
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Which is an advantage fixed rate loans have over variable rate loans?
O Interest rates are lower.
O Application costs are lower.
O Long-term budget planning is easier.
O The maximum loan amount is greater.
Answer:
Long-term budget planning is easier
Explanation:
If the product price is $100, average variable cost $40 per unit, and the total fixed costs are $120,000, what is the breakeven point
The breakeven point is 2000.
Breakeven point are the number of units sold at which net income is zero. It is a function of fixed cost, price and average variable cost.
Breakeven point = fixed cost / (price - average variable cost )
Fixed cost is cost that does not change regardless the level of output.
Average variable cost is total variable cost divided by output.
Price is the going price of an item.
Breakeven point = $120,000 / ($100 - $40)
$120,000 / $60 = 2000
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how is self employment an alternative to large scale industries?
Answer:
The self-employment involving activities on a small-scale is a good alternative to large scale business which has brought various evils like environmental pollution, development of slums, exploitation of workers, and so on. In self-employment there is no limit of earnings as is the case with wage employment.
what unusual step did oregon take to increase voter registration?
Oregon increased voter registration by automatically registering all citizens over the age of eighteen to vote.
Registration is a process that Americans must go through once they reach the age of majority to access the right to vote and participate in elections. However, many people are unaware of this process and do not register so they cannot vote in elections.
The state of Oregon decided to register citizens over 18 years of age (or legal age) to be eligible to vote. This is an unusual decision because this process is generally done autonomously but given the low voter turnout in the state, they decided to carry out this measure.
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A mechanic charged $220. 28 to repair a car. The price included charges for 3 hours of labor and $126. 53 for parts. How much does the mechanic charge per hour for labor?.
Answer:
31.25 is the hourly rate of labor
Explanation:
220.28 - 126.53 = 93.75
93.75 is the total labor price
93.75/3 = 31.25
what is the process of managing changes to the business requirements throughout the project?
Answer:
Requirements management is the process of managing changes to the business requirements throughout the project. The analysis phase establishes descriptions of the desired features and operations of the system including screen layouts, business rules, process diagrams, pseudo code, and other documentation.
The practice of managing changes to the business requirements during the project is known as requirements management. In the analysis phase, descriptions of the required functions and features of the system are established. These descriptions may include screen designs, business rules, process maps, pseudo code, and other documentation.
What is requirements management?The goal of requirements management is to make sure that a company records, confirm, and satisfies the requirements and expectations of its clients and other internal or external stakeholders. The study and elicitation of the organization's goals and limitations is the first step in requirements management.
Supporting planning for requirements, integrating requirements and the organization for dealing with them, as well as interactions with other information delivering against requirements, and adjustments for these are all other components of requirements management.
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What economic goal does the Securities and Exchange Commission (SEC) help the government achieve the most
Answer: promote economic prosperity
Explanation:
the purchase and sale of long-term assets and current investments are classified as:
ash transactions that encompass purchase as well as sale of long-term assets as well as current investments can be considered to classified as Investing activities.
Investing activities can be regarded as one of the categories of net cash activities which is been reported by business on the cash flow statement. It is the purchase as well as sale of long-term assets at a given period.Therefore, Investing activities is correct.
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how did craft unions and industrial unions differ?
Answer:
How did craft unions & industrial unions differ? A craft union is made up of skilled workers who work in a specific trade. ... In industrial union there are all different workers regardless of their trade or skill. This could be found in a steel factory.
Stevie recently received 1,000 shares of restricted stock from her employer, Nicks Corporation, when the share price was $8 per share. Stevie's restricted shares vested three years later when the market price was $11. Stevie held the shares for a little more than a year and sold them when the market price was $16. What is the amount of Stevie's ordinary income with respect to the restricted stock?
A. $0.
B. $11,000.
C. $5,000.
D. $8,000
Answer:
It's D - $8,000
Explanation:
8 * 1,000 = 8,000
Goods that are excludable include both A. club goods and public goods. B. public goods and common resources. C. common resources and private goods. D. private goods and club goods.
The goods that are excludable are private goods and club goods. The correct answer to this question is option D.
The club goods are those goods that can be artificially scarce. These goods are non rival in nature but the excludability is quite high.
Private goods on the other hands are those goods that have their usage and consumption restricted to only one person or group.
Such goods can only be used by one party.
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Nick invested $2,000 in a bank savings account today and another $2000 a year from now. If the bank pays interest of 10 percent per year, how much money will Nick have at the end of two years
Answer:
$4,620
Future value of two cash flows = [PV × (1 + i)2]+ [PV × (1 + i)] = [$2,000 × (1 + 0.10)2] + [$2,000 × (1 + 0.10)] = [$2,000 × (1.10)2] + [$2,000 × (1.10)] = [$2,000 × 1.21]+ [$2,000 × 1.10] = $2,420 + $2,200 = $4,620
Explanation:
One of the first things to do to prepare for a job interview is to _____. A. Ask for a formal offer letter b. Plan how to spend your first paycheck c. Research the company d. Send a follow-up letter Please select the best answer from the choices provided A B C D.
Answer:
c reasearch the company
Explanation:
Answer:
C is correct
Explanation:
i took the test
True or False: Your company manufactures and sells a complex solution where a lot of expertise and value is delivered through company sales reps. Product margins are thin. For these reasons, you should use an Indirect sales channel.
True; the company should use an Indirect sales channel.
By definition;
An indirect sales channel is the sale of a good or service by a third-party, which may be a partner or affiliate, rather than a company's personnel.
According to the question;
The company manufactures and sells a complex solution where a lot of expertise and value is delivered through company sales reps.As a result, Product margins are thin.
For these reasons; an indirect sales channel is used as it involves subcontracting the sales to a third party, thereby relieving the company of sales responsible.
Ultimately, True; the company should use an Indirect sales channel.
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Suppose the government introduces tax incentives to increase private household saving. What would be the effect on net capital outflows and the exchange rate
Answer:
Mama thu thu thu thu thu thu
Explanation:
Hi
Net capital outflows decrease and the exchange rate rise would be the effect on net capital outflows and the exchange rate. Hence, option C is correct.
What is net capital outflows?The amount that domestic residents are lending abroad less the amount that foreigners are lending to home countries is the net capital outflow.
The sum of money a nation spends on imports, exports, and investments abroad is known as net capital outflow. An American citizen purchasing Toyota Corporation stock, for instance, results in a net outflow of money for the United States.
Net purchases of domestic assets by non-residents, or the difference between purchases and sells, are referred to as capital inflows. Net foreign asset purchases by domestic agents, excluding the central bank, equal net capital outflows.
This is due to the fact that our assets are more appealing the higher the domestic real interest rates. Since more money is available, this will increase foreign investment, which will decrease net capital outflow.
Thus, option C is correct.
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The options were attached below-
determining that the amount of cash agrees with the accounting records
Answer:
Receipt-A business form giving written acknowledgment for cash received. Memorandum-A form on which a brief message is written describing a transaction. Proving Cash-Determining that the amount of cash agrees with the accounting records.
Competition is to be expected in capitalist economies.
True
False
Answer:
True
Explanation:
Capitalism works because it encourages competition