According to Kaminski, an end loan is just the homeowner's mortgage once the building is complete.
Briefing:-When construction is underway, a construction loan is taken out and repaid afterward. The end loan, often known as the borrower's regular mortgage, will subsequently be due.
How can I apply for a bank loan for a house?Depending on the sort of loan you are asking for, you may need to satisfy a number of requirements in order to be authorized for a mortgage. Generally speaking, you must have evidence of income for at least the next two years, a down payment of at least 3.5%, and a credit score of at least 620.
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How do you factor a mortgage payment?
These considerations include the total amount you borrow from the bank, the loan's interest rate, and the time frame for finishing your mortgage repayment.
How might your mortgage payment be reduced each month?If the monthly payment displayed by our calculator seems a little out of your price range, you can attempt a few strategies to lessen the blow. Play around with a few of these factors:
A. Go with a longer loan. Although you will pay more interest over the course of the loan, your payment will be lower with a longer term.
B. Reduce your household spending. A lesser monthly mortgage payment results from borrowing less.
C. Ignore PMI. 20% down payment or more, or equity in the case of a refinance
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Which of the following is true of scenario planning? It is particularly useful for an orginzation attempting to mitigate risks in certain ventures
The true statement of scenario planning: It is particularly useful for an Organization attempting to mitigate risks in certain ventures. [TRUE]
About scenario planningScenario planning is a structured practice for imagining and anticipating what future events and conditions might occur, what the consequences of all of that are, and how to respond and learn from them to practice preparedness and response. This is a useful technique in planning company, company strategy and marketing strategy, especially in looking at potential future needs, markets and products.
Scenario planning asks “what if” questions. It starts with a top-down approach to the strategy process. In addition, in scenario planning, top management envisions different scenarios, in anticipation of a plausible future to derive strategic responses. For example, changes in tastes or economic conditions will affect consumer behavior.
Method of scenario planningMany scenarios start in the past and use past events and historical data. All of that then becomes the basis for developing future plans.
Plan scenarios may be broad or narrow depending on the type of data used. In addition, the breadth and narrowness of scenarios also depends on the assumption that a particular phenomenon will continue to produce the same results as it did in the past.
The planning process usually begins with an analysis of the company's environment using PESTEL analysis and then selects critical indicators that represent opportunities and threats for the company through a SWOT analysis.
To estimate the impact in the future, companies use several techniques, for example the Delphi technique. A series of usually no more than three scenarios (pessimistic, basic and optimistic) can then be developed based on alternative predictions. Key actions can be identified to develop the company's ability to deliver these goals, according to the most likely scenario.
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10. a sells widgets to b for $5000 and in the contract instructs b to pay c, since a owes c $5000.00. b promises to pay c. b fails to pay anyone. can c sue b directly? why? if so, under what legal theory?
In the contract, A tells B to pay C ($5000) because A owes C ($5000) for the widgets B purchased from A for $5000. B pledges to pay C, but B does not.
Why do we use widgets?In order to quickly access specific information via apps without needing to launch the program itself, widgets can be placed to the phone's home screen. One illustration is the Diary widget, which gives you an instant view of the events on your calender without having to launch the Calendar application.
Why ought I to employ widgets?Widgets elevate apps to a new level by providing quicker access to data without opening the linked program in a bigger area than a conventional app icon.
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What is free trade and its advantages and disadvantages?
midyear on july 31st, the andrews corporation's balance sheet reported: total assets of $251.041 million total common stock of $6.350 million cash of $10.050 million retained earnings of $22.140 million. what were the andrews corporation's total liabilities?
The Andrews corporation's total liabilities were $ 222.55 million
Define total liabilities.Total liabilities are all of the debts that a person or business owes. Obligations are typically divided into three groups: short-term, long-term, and other liabilities. Total obligations plus equity on the balance sheet must equal total assets.
Liabilities include all of a person's financial obligations, whereas debt only includes those obligations related to unpaid loans, and this is the major distinction between them. As a result, liabilities include debt. Total liabilities simply refers to the total amount owed to creditors by a company. To assess if a company is financially sound or a wise investment, creditors or investors may wish to look at total liabilities.
Given:
Total Liabilities is
= Total Asset - (Total Common Stock + Retained Earnings)
= $251.041 - ($6.350 + $22.140 million)
= $251.041 - $6.350 - $22.140
= $ 222.55 million
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What are the benefits of contractionary policy?
Keep in mind that the goal of contractionary monetary policy is to slow the rate of demand for goods and services, not stop it.
Therefore, higher interest rates through contractionary policy can be used to curb inflation and return the economy to the price stability component of the dual mandate.The level of inflation is the main objective of a contractionary monetary policy.By reducing the money supply in the economy,politicians seek to reduce inflation and stabilize prices in the economy.While the initial effect of contractionary policy is to reduce nominal gross domestic product (GDP),which is defined as gross domestic product (GDP) assessed at current market prices,it often ultimately results in sustainable economic growth and smoother economic cycles.Tight monetary policy leads to lower interest rates, which increases investment,which leads to higher output.Contractionary fiscal policy will slow down the economy If the government decides to cut taxes and decrease public spending,the effect would be that aggregate demand would decrease because less money would be spent.
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What is gerrymandering and how does it impact an incumbent quizlet?
The incumbents gain from gerrymandering since the districts for elections are constructed to favor their party, giving them a better chance of winning reelection if they are in power.
What is gerrymandering and how does it affect elections?The technique of drawing electoral district lines to benefit certain political interests inside legislative bodies is known as gerrymandering, which frequently produces districts with twisting, tangled boundaries rather than compact ones. the individual holding the office or position that they were elected to.
favorable to the current administration A state legislature that is so evenly divided that neither political party has an edge is said to be gerrymandered. partisan map-making. Using gerrymandering to favor one political party over another.
Drawing election district lines to favor one party or another is known as gerrymandering. Redrawing the borders of each state's congressional districts is known as redistricting. Reapportionment.The results of state and House of Representatives elections have an impact on the presidential election due to gerrymandering.Since districts are irrelevant in presidential and senate contests, they are unaffected.
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Refer to Exhibit 3-3. A movement from point W to point Z would have been the result of
a reduction in the price of good Y.
an increase in the number of buyers in the area where good Y is being sold.
a decrease in business taxes paid by the producers of good Y.
a decrease in the number of buyers in the area where good Y is being sold.
an increase in the price of good Y.
A movement from point W to point Z would have been the result of an increase in the price of good Y.
The amount paid or the amount of compensation that one party gives to the other in exchange for goods or services is called the price. Manufacturing costs can go by many names depending on the circumstances. If the item is a "commodity" in a commerce transaction, the price of the item will likely be referred to as the "price" of the item.
However, there would be other potential names for this product's name if it were a "service". For example, the chart below illustrates a few examples. The cost of production, availability of desired goods, and consumer demand all affect the price of a good. A monopolist can set a price or the market can impose it on the firm.
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What is the main purpose of the chart of accounts?
darwin corporation's attorney has provided the following summaries of three lawsuits against darwin: lawsuit a: the loss is probable and can be reasonably estimated. lawsuit b: the loss is reasonably possible, but the loss cannot be reasonably estimated. lawsuit c: the loss is reasonably possible and can be reasonably estimated.
For case B, there is no need for a disclosure letter because the loss is hypothetical but impossible to assess.
What constitutes an organization?An organization called a corporation is one whose shareholders choose a governing board to manage its operations. The corporate, not the shareholder, is in charge of the company's activities and financial situation.
What is a company used for?The common response nowadays is that a company exists to serve its owners. Academics refer to this as the "shareholder primacy norm," and many refer to the goal of corporate managers as "shareholder wealth maximization." Even ostensibly altruistic business deeds like gifts are acceptable because.
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What do you mean by interest group?
An lobby group or activist organization is a group that use a range of strategy aimed to influence public perception and/or legislation. The phrase "informed society" is another way to describe a lobby group.
An example of an affinity group:
American Association of People with Disabilities. American Association for Retired Persons. American Consulting Engineers Council. The American Enterprise Institute conducts research on public policy. Foundation for American AIDS Research
What are the major objectives of organisations with interests?
Interests groups are formed to further the causes that are significant to its members. Their main objective is to influence government policy. Interest groups sometimes are referred to as "pressure" or "lobby" groups because one of their primary responsibilities is applying pressure to policy decision.
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you've just set up an option on your website for your users to sign up for a newsletter. you want to count those new sign-up events as conversions and create an audience for users who signed up.which part of your analytics 4 property lets you manage events, conversions, and audiences?
You've just set up an option on your website for your users to sign up for a newsletter. Data Hub part of your analytics 4 property lets you manage events, conversions, and audiences
What is analytics?Generally, In Goo/gle Analytics 4 (GA4), the part of the property that lets you manage events, conversions, and audiences is called the "Data Hub." The Data Hub is a central location where you can view and manage all of your data, including events, conversions, and audiences.
To set up events, conversions, and audiences in the Data Hub:
Select the "Data Hub" tab in your GA4 property.
Click on the "Events" tab to view and manage your events.
Click on the "Conversions" tab to view and manage your conversions.
Click on the "Audiences" tab to view and manage your audiences.
You can use the Data Hub to create new events, conversions, and audiences, as well as view and analyze data related to these items.
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Which of the following statements is false? Multiple Choice
O The variance analysis cycle includes analyzing differences between actual results and what should have occurred according to the budget
O The management by exception approach enables managers to focus on the most important variances while bypassing trivial discrepancies.
O A flexible budget is an estimate of what revenues and costs should have been given the actual level of activity for the period.
O A planning budget is prepared before the period begins and it is based on the actual level of activity incurred during the period.
Previous question
Prior to the start of the period, a planning budget is created, and it is based on the actual amount of activity that is incurred. This assertion is untrue.
Given the actual level of activity during the time period, a flexible budget is an estimation of what revenues and expenses should have been.
The variance analysis cycle comprises comparing actual results to what should have happened based on the budget.
Managers can concentrate on the most significant deviations and ignore insignificant differences by using the management by exception method. All of these claims are accurate.
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Which GDP do economists use?
As it takes the effects of inflation into account, real GDP is frequently preferred over nominal GDP.
What is inflation?Inflation, usually referred to as the progressive decline in buying power, is the process of price increases. An indicator of the rate at which purchasing power is degrading is the average price increase of a selected basket of goods and services over a predetermined period of time. Price rises, which are typically expressed as percentages, have resulted in a unit of money effectively buying less than it did in prior times. While it is easy to examine individual product price changes over time, human needs are more complex than simply a few specific goods. A wide range of goods and services are necessary for people to live comfortably.
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A local real estate investor in Orlando is considering three alternative investments: a motel, a theater, or a restaurant.
The motel and restaurant will be affected by the availability of gasoline and the number of tourists,
while the theater will be relatively stable under any conditions. The following payoff table shows the profit ( or losses) resulting from each investment.
Investment Shortage Stable Surplus
Motel ($8,000) $15,000 $20,000
Restaurant $2,000 $8,000 $6,000
Theater $6,000 $6,000 $5,000
Determine the best investment using the following decision criteria:
a) Maximax
b) Maximin
c) Minimax regret
d) Hurwicz (a=.4)
e) Equal likelihood
A) Maximax: The best investment using the Maximax criterion is the Motel with a $20,000 excess return.
B) Maximin: The best investment using the Maximin criterion is a restaurant with a return of $8,000 for a stable situation.
C) Minimax Regret: The best investment using the Minimax Regret criterion is a theater with a return of $6,000 regardless of the situation.
D) Hurwicz (a=0.4): The best investment using the Hurwicz criterion with a=0.4 is a restaurant with a return of $8,000 for a stable situation.
E) Equal Probability: The best investment using the equal probability criterion is a theater with a $6,000 payout regardless of the situation.
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What are the credit 4 C?
Although standards may vary from lender to lender, all lenders will consider the four main factors of capacity, capital, collateral, and credit when deciding whether or not to provide a loan.
Why is it so important to have the four Cs of credit?The four credit criteria aid in the methodical evaluation of credit risk. They provide a framework for the collection, division, and analysis of data. Character, capability, capital, and conditions are the four main categories into which the data is divided.
What do the capitalization of credit's four C's mean?Capital includes any money, investments, or other possessions you are ready to use as security for a loan. The down payment on a home is one example. Generally speaking, the greater the down payment, the better your interest rate and loan terms will be.
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a shortage in the bread market can cause the price of bread to rise. group of answer choices true false
A shortage in the bread market can cause the price of bread to rise is a false statement.
When the amount needed exceeds the amount supplied the current shortage happens. Three factors mainly contribute to shortages: increase in demand, falling supply, and government action. In contrast to how the word is used in economics, "scarcity" should not be confused with "shortage."
As there is a shortage of goods, the price is used to rise for that good. A shortage occurs when there are more requests for a good or service than there are available units at the current price. This raises costs. An increase in demand will cause the equilibrium price to rise and the supply to climb, all other things being equal.
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Explain and define the term ""Metropolitan IT Infrastructure."" What are some key city infrastructures? Explain the concept of a Smart City.
A wide range of civil, structural, and environmental engineering consulting and design services are provided by Metropolitan IT Infrastructure, PLLC.
What is the meaning of IT Infrastructure?A wide definition of information technology infrastructure is a collection of IT elements that constitute the basis of an IT service; these elements might be both physical and software- or network-related.
The typical hardware and software elements of a traditional IT infrastructure include buildings, data centers, processors, networking hardware, desktop PCs, and corporate application software solutions.
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to combat a recession, the indian government enacts expansionary fiscal policy, which increases government spending by 20 trillion rupees. in response, gdp increases from 140 trillion rupees to 175 trillion rupees. a. what is the multiplier? do not round your answer.
The multiplier, based on the increase in government spending and the increase in Gross Domestic Product is 1. 75
How to find the multiplier ?The multiplier can be found by the formula :
= Change in Gross Domestic Product / Change in government spending
Change in Gross Domestic Product:
= 175 trillion - 140 trillion
= 35 trillion Rupees
Change in government spending = 20 trillion rupees
The multiplier is:
= 35 / 20
= 1. 75
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Which tool help monitor the ongoing performance of the platform in enterprise platform?
Users can track and monitor the performance of corporate platforms or web apps using scalability and performance monitoring (APM) solutions, which enables them to find and fix any potential performance problems.
Which business platform procedure oversees all interactions with vendors?For a retail client, the experience enterprise platform process communicates with vendors and oversees the whole supply chain. SAP introduces a combined product to assist major businesses in gaining new value through cloud services and company transformation.
What exactly is an enterprise platform platform?In order to produce business solutions or apps, a group of integrated software products and/or systems that share data are referred to as enterprise business platforms.
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Can reporters be forced to reveal their sources?
The reporter's privilege is based on the notion that media professionals have a limited First Article protection not to be required to divulge information or private data sources in court.
What takes place if a journalist discloses a source?We therefore take the provision of anonymity seriously. The issue is this: Since there is no nationwide shield law exempting journalists from testifying, a court may order them to divulge the identity of a source. They risk penalties or jail time if they refuse.
What laws aim to shield journalists from being forced to expose their sources?In the U.s, a shield law is any statute that guards journalists from being forced to reveal sensitive information, such as the identity of their source, or to hand up unpublished writings gathered while doing news reporting, such as notes.
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A change in strategy nearly always entails budget reallocations because
Multiple Choice
new strategic initiatives can be costly or capital intensive.
of corresponding changes in the company’s organizational structure and budgetary requirements.
adopting best practices and pushing for continuous improvement tend to reduce costs and reduce overall resource requirements.
units important in the prior strategy but having a lesser role in the new strategy may need downsizing, while units and activities that now have a bigger and more critical strategic role may need more people, new equipment, additional facilities, and above-average increases in their operating budgets.
the accompanying policy revisions and compensation incentives tend to require different levels of funding than before.
A change in strategy nearly always entails budget reallocations because units important in the prior strategy but having a lesser role in the new strategy may need downsizing, while units and activities that now have a bigger and more critical strategic role may need more people, new equipment, additional facilities, and above-average increases in their operating budgets.
What does financial reallocation mean?The transfer of monies from one case to one or more other cases is known as reallocation.
The redesignation of allotted or budgeted monies from one account to another or to a newly created account for a different use or purpose is referred to as budget reallocation.
Therefore, option D is correct.
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in which of the following situations can a registered person of a broker-dealer borrow funds from a customer without approval of her firm? qid: 3571132 mark for review a the customer is the brother-in-law of the registered person b the customer is an institutional investor c the customer is a personal friend of the registered person's sister d the loan is based on a business relationship that's independent from the member firm-customer relationship
The customer is the brother-in-law of the registered person (a) is a situation in which a registered person of a broker-dealer borrows funds from a customer without approval of her firm.
Except under particular circumstances, registered people are not permitted to lend or borrow money from customers. These prerequisites include developing written policies approving the action in question and fulfilling one of the following clauses:
Immediate family members of both the consumer and the registered individual.The client is a financial institution that frequently engages in the lending or credit-extension industry.Both parties have accounts with the same company.The customer's and the registered person's personal relationship is the foundation of the loan.The loan is supported by a business connection that is separate from the customer-broker-dealer connection. There is no need for formal notice or formal permission if the loan is justified by clauses 1 or 2 (borrowing from family members whose company is making a loan to you).Learn more about borrowed funds here:
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Which is the most important benefit of having insurance?
Once the insurance eliminates the uncertainties in your business and personal life, you feel protected and secure. Insurance offers protection from sudden, unforeseen events as well as financial support.
Once insured, you are free from the worry of potential losses. If the insured person passes away, the life insurance policy will pay for the family's financial support. Other forms of insurance offer protection against loss brought on by fire, accidents, etc.
Insurance policies offer additional ways for you to invest your money in addition to safeguarding against risks and uncertainties. Life insurance is a methodical saving that is made possible by monthly premium payments. It wouldn't be incorrect to claim that purchasing insurance fosters the habit of saving money and provides another avenue for investing. The lump sum payment is given to the insured when the contract matures.
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true or false: interests rates on student loans, such as perkins loans, are set by each individual college or university.
True. Since the Fed raised interest rates to fight inflation, student loan interest rates have skyrocketed. Even though rates have increased, they are still among the lowest we have ever seen right now.
Colleges and universities will reopen their classes and residence halls in the fall of 2020, and soon after that, observable trends (both anticipated and unforeseen) will emerge. As predicted, numerous schools postponed sports, reported widespread quarantines, and converted in-person classrooms to virtual ones within the first few weeks of the new semester. Less anticipated were the enrollment trends. Many people believed that community colleges would have higher enrolment during the epidemic, but data revealed that while autumn enrollment increased at several large public universities, it decreased by as much as 30% at community colleges that serve a high number of low-income students.
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What is the relationship between data life cycle and data analysis process how are the two processes similar?
Data analysis is concerned with the use of tools to transform information and data life cycle is concerned with making informed decisions.
To find relevant information, aid inference, and in decision making, data analytics is the process of analyzing, cleaning, manipulating, and modeling data. Data analytics is used in several areas of business, science, and the social sciences and has many facets and methodologies. It includes many different techniques and has many different names.
Data mining is a specific type of data analysis that focuses on knowledge discovery and statistical modeling for predictive rather than purely descriptive purposes. Business intelligence refers to data analysis that is mainly based on aggregation and is mainly concerned with business information.
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What is one way a command company affects the lives of private citizens?
Because it is an ineffective method of allocating resources and there is a chance that residents' wants and preferences won't be met, it is damaging to individuals. The quality of the products may also be subpar because of the lack of competition, which discourages innovation.
What do you know about command economy?The degree of output that is allowed and the prices that may be paid for goods and services are determined by a central controlling body in a command economy. The public owns the majority of industries.
Free market economies, in which supply and demand set prices and output, are the primary alternative to command economies.
A command economy is part of a communist political system, whereas a free market is found in capitalist nations.
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What is the main goal of integrating Organisational data?
One of the key components of the whole data management process is integration, which aims to provide clean, consistent, and consolidated data sets that satisfy the information demands of various end users within an organisation.
In order to import corporate information from diverse sources, a unified data system must be created through the process of data integration. The purpose of data integration is to connect and combine data from many sources. The goal of data integration is to help you grasp what various sources are telling you better. Data integration gives CEOs and data analysts for clients an in-depth understanding of financial risk, customers, production and supply chain activities, regulatory compliance initiatives, and other business process elements.
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A fit exist when people need your product rather than just seeing a potential benefit of using it?
When consumers require your product rather than merely recognizing the potential benefits of utilizing it, you have a fit. That is correct. Thus, the correct answer is true.
What does "potential benefits" mean?The prospective benefits of the subject are those that can be fairly foreseen as a result of participating in the study. The most common sort of direct benefit to the subject as a result of non-therapeutic research participation is knowledge of value to the subject. The Potential Benefits of the Subject should not be exaggerated, pressured, or guaranteed. It should be mentioned if the research will not benefit the topic.
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A good is characterized by network economies if it:can be used by more than one person at a time.becomes cheaper to produce as more people buy it.becomes more valuable as more people own it.is widely advertised on television.
A good is characterized by network economies if it becomes more valuable as more people own it.
The term "Network Economies" refers to the global impact caused by the cost of different services and goods produced and consumed.While these services and items are divided up globally to more countries, more people will want to own them.This increases the value of a particular good because more people own it not only in the domestic country or economy, but also in other economies.An economic network is a group of people, organisations, or countries that work together to benefit the neighborhood in general. The primary goal of a group in such a company’s competitiveness is to solidify its market position.
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