Answer:
c. 700
Explanation:
A loan can be defined as an amount of money that is being borrowed from a lender and it is expected to be paid back at an agreed date with interest.
Generally, the financial institution such as a bank lending out the sum of money usually requires that borrower provides a collateral which would be taken over in the event that the borrower defaults (fails) in the repayment of the loan.
A credit score can be defined as a numerical expression between 300 - 850 that represents an individual's financial history and credit worthiness. Therefore, a credit score determines the ability of a borrower to obtain a loan from a lender.
This ultimately implies that, the higher your credit score, the higher and better it is to obtain a loan from a potential lender. A credit score ranging from 670 to 739 is considered to be a good credit score while a credit score of 740 to 799 is better and a credit score of 800 to 850 is considered to be excellent.
In order to approve a loan, lenders want to see a credit score of at least 700.
In conclusion, lenders look at the credit score of a loan applicant so as to ensure that the applicant is financially responsible and would be able to repay the loan at the agreed upon date.
Suppose you borrow at the risk-free rate an amount equal to your initial wealth and invest in a portfolio with an expected return of 16 percent and a standard deviation of returns of 20 percent. The risk-free asset has an interest rate of 4 percent. Calculate the expected return and the standard deviation of the resulting portfolio. (2 2)
Answer:
The answer is
2(16) - (4) =28%
Universal Containers sells through many different reseller networks. Each reseller's deals are tracked on separate opportunities. The sales manager is concerned that the pipeline report is not accurate due to multiple opportunities for the same end customer. How should the sales process be modified to ensure opportunities are not double-counted in the pipeline
Answer: change the forecast category to omitted on the duplicate opportunities
Explanation:
The sales process should be modified to ensure opportunities are not double-counted in the pipeline by changing the forecast category to omitted on the duplicate opportunities.
When this is done, the multiple opportunities for the same end customer will be curtailed and hence, there'll be accuracy with regards to the pipeline report.
Using an end-of-period spreadsheet, the flow of accounting information moves from the a.financial statements to the adjusted trial balance. b.adjusting entries straight to the financial statements. c.adjusted trial balance to the financial statements. d.unadjusted trial balance to the financial statements.
Answer:
C. adjusted trial balance to the financial statements.
Explanation:
The end-of-period spreadsheet can be regarded as accounting tools used in summarizing the movement of transactions that has been carried out throughout an accounting period. It is a tools that give representation of the end of the current accounting period.
permanent accounts that been found
the balance sheet, which are not not closed are been consisted by The post-closing trial balance.
It should be noted that Using an end-of-period spreadsheet, the flow of accounting information moves from the
adjusted trial balance to the financial statements.
A company's vertical scope refers to Multiple choice question. the various products and services that the company offers. the extent to which the company participates in the industry value chain, from raw material extraction to end-user sales. the extent to which the company participates in strategic alliances with other firms. the various offensive strategies that the company can employ.
Answer:
the extent to which the company participates in the industry value chain, from raw material extraction to end-user sales.
Explanation:
An organizational structure can be defined as the process which typically involves dividing an organization into various functional units.
Basically, the organizational structure comprises of three (3) main dimensions and these are;
I. The vertical dimension: this is typically the decision-making responsibilities (decentralization and centralization).
II. The horizontal dimension: this divides the organization into subunits.
III. Integrating mechanisms: it is based typically on the strategic mechanism that controls the various subunits within an organization.
In this context, the vertical scope of an organization or company refers to the extent to which the company participates in the industry value chain, from raw material extraction to end-user sales. Thus, it typically involves two (2) companies at different stages of the supply chain coming together to join forces and form a company.
In California, an organization that can raise unlimited sums of money from corporations, unions, associations, and individuals and then spend unlimited sums to overtly work for or against a candidate is called a(n) Group of answer choices
Answer:
Political party.
Explanation:
Democracy can be defined as a government of the people, by the people and for the people.
There are two (2) main types of democracy and these include;
I. Representative democracy: it's also known as indirect democracy and can be defined as a form of government which typically involves the process of having the citizens of a particular country vote to elect representatives (political leaders) to enact laws, create policies and make decisions on their behalf.
II. Direct democracy: it can be defined as a process which typically involves the candidates voting for their preferred choice. Thus, their choices are reflected directly on the subject matter.
In California, a political party refers to an organization that is capable of raising an unlimited amount of money from corporations, unions, associations, businesses, and individuals in order to spend these sums of money to overtly work for its preferred candidate (flagbeaer) or against a candidate belonging to an opposition party.
Some examples of political party in the United States of America are Republican party (Grand old party), Democratic party, Labour party, Green party, etc.
In conclusion, a political party is an organization of people sharing similar political ideologies that provides a platform for a chosen candidate to run as its sole candidate in an election.
Which savings account will earn you the most money?
1.One that earns simple interest monthly.
2.One that compounds interest daily.
3.One that earns simple interest daily.
4.One that compounds interest monthly.
Answer:
one that earns simple interest daily
The savings account that earn you the most money is: 3.One that earns simple interest daily.
Savings account is an account that enables you to save while you earn interest on the amount saved reason being that saving account is an interest earning account.
A saving account that gives you simple interest daily is the best as it will enable to accumulate more interest.
Therefore the savings account that earn you the most money is: 3.One that earns simple interest daily.
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The inability of lower-income groups to sustain the same lifestyle as higher-income groups in the same community is known as:
Answer:
Relative deprivation
Explanation:
Relative deprivation is the inability of lower income groups to sustain the same lifestyle as higher income groups in their same lifestyle as higher income groups in their same community, often resulting in feelings of anxiety and inferiority.
It is the lack of resources such as money, food, clothes, rights, social equality necessary to maintain the quality of life considered acceptable within a given socioeconomic group.
Relative deprivation is a feeling of being worse of than the people one mingles with. For instance: when your group of friends or colleagues all have a car but you couldn't afford one at the moment.
If a monopolist's price is $50 per unit and its marginal cost is $25, then A) to maximize profit the firm should increase output.
Answer:
a. to maximize profit the firm should decrease output
Explanation:
Options are "A. to maximize profit the firm should decrease output. B. to maximize profit the firm should increase output. C. to maximize profit the firm should continue to produce the output it is producing"
Monopoly profit maximization occurs where Marginal revenue = Marginal cost.
Here, Marginal revenue ($50) > Marginal cost ($25). So, in order to maximize profit, the firm has to decrease the output because cost is very lower and revenue is very high.
After managers have implemented a decision, they must determine whether it has accomplished the desired result, this is called ______.
Answer:
monitoring
Explanation:
Monitoring is an essential step in tracking the results of an organizational operation. When a decision is implemented in a company, it must be monitored through a systematic collection of data and information that allow the manager to analyze whether the decision is in accordance with the plan, whether the progress is being effective and whether the results are compatible with the planned, being able to make changes to the project if necessary, eliminate bottlenecks and continuously improve organizational operations, achieving greater quality and effectiveness.
A couple wants to purchase a home for $286,000 with an 80% conventional loan for 15 years at 4% annual interest. The annual insurance premium will be 2% of the value of the home, and the ad valorem taxes are $7,161. The loan will require a monthly principal and interest payment of $4.77 for each $1,000 of the loan amount, and the lender will use 28/36 qualifying ratios. The property appraises for $286,000 and the couple has no other debts. How much verifiable gross monthly income will the couple need
Answer:
$7,731.43
Explanation:
Calculation to determine How much verifiable gross monthly income will the couple need
Gross monthly income=( $286,000 × 0.8) ÷$1,000*$4.77
Gross monthly income=$228,800 ÷ $1,000 × $4.77
Gross monthly income = $1,091.38;
Gross monthly income=$7,161+($286,000 × 0.02)/12
Gross monthly income=$7,161 + $5,720 ÷ 12 = $1,073.42;
Gross monthly income= $1,091.38 + $1,073.42
Gross monthly income= $2,164.80;
Gross monthly income=$2,164.80 ÷ 0.28
Gross monthly income= $7,731.43
Some consumer electronic products such as plasma TVs, DVD players and digital cameras, are introduced at very high prices but over time, their prices start falling (beyond what could be attributed to falling costs as companies take advantage of economies of scale and cheaper technologies). Which of the following is the best explanation for this observation?
A. More firms are likely to enter the consumer electronic market over time, forcing market prices down.
B. Early adopters of these new products typically have a higher demand and higher income compared to those who are willing to wait.
C. Early adopters are more quality conscious and are willing to pay higher prices for the initial production of these goods.
D. After satisfying the demand for early adopters, firms lower price to attract the more price sensitive consumers.
Answer: D. After satisfying the demand for early adopters, firms lower price to attract the more price sensitive consumers.
Explanation:
Based on the scenario given in the question, the reason for the fall in price over time is that after satisfying the demand for early adopters, firms lower price to attract the more price sensitive consumers.
The early adopters are the individuals who use the product before other people starts using it. In this case, once the early adopters have been satisfied, other people will want to buy the product and the price has to be lowered so that such people can afford it.
Swifty Company developed the following information about its inventories in applying the lower-of-cost-or-net realizable value basis in valuing inventories. Product Cost Net realizable value A $112000 $122000 B 84000 76000 C 153000 156000 If Swifty applies the LCNRV basis, the value of the inventory reported on the balance sheet would be $354,000. $362,000. $341,000. $349,000.
Answer:
$341,000
Explanation:
Calculation to determine what the value of the inventory reported on the balance sheet would be
Inventory value=$112000+ 76000+153000
Inventory value=$341,000
Therefore If Swifty applies the LCNRV basis, the value of the inventory reported on the balance sheet would be $341,000
There are three types of workflows you can create in HubSpot. What are they? Start from scratch, Center on a sales date, and Center on a date property Start from scratch, Center on a marketing date, and Center on a date property Start from scratch, Center on a date, and Center on a date property Start from a contact property, Center on a date, and Center on a date property
Answer:
The three types of workflows you can create in HubSpot are:
Start from scratch Center on a date Center on a date propertyExplanation:
In Hubspot, you create workflows using any of the three methods indicated above.
1. For Start from Scratch workflow types, the activity associated with a workflow is dependent on when the contacts are entered into the workflow.
An example of a Starch from Scratch workflow is:
Sending an email after new contacts submit an inquiry form in order to follow up.
2. For Center on a date, all workflow actions are related to a specific calendar date that is fixed.
An example could be sending our season's greetings to all the client's contacts.
3. For Center on a date property
An example is sending reminder emails based on a contact's training date.
This method relates to workflow actions that are dependent on the nature of the property of the date relating to a contact.
Cheers
There are three types of workflows that can be created in the HubSpot. They are 1. Start from scratch, 2. center on a date ad 3. center on a date property. So, the correct option matching the query is C.
The workflows in hubspot are very easy and are able to be performed in a synchronized manner and by the way of set standard procedure on the hubspot website.
HubSpot is a website that works in the marketing field using the internet and email applications and integrates the user interface with the user-based history for triggering relevant matches.Using of this workflow in the HubSpot can help in reducing the possibility of error in marketing. Advertisements can hamper the user experience only with a good interface.Workflow is basically a term relating to the marketing field where the complete process is automatic and based on computer and artificial intelligence applications to trigger correct emails.Hence, the correct option of three types of workflows in HubSpot is C- Start from the scratch, center on a date, center on a date property.
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f prices are inflexible, then a negative demand shock will lead to Group of answer choices a short-run decrease in prices. no change in prices a short-run increase in real GDP. a short-run decrease in real GDP.
Answer:
A short-run decrease in real GDP.
Explanation:
A short-run decrease in real GDP.
The last option is correct because the prices are inflexible which means an increase or decrease in quantity will have no effect on the prices. So, the negative demand shock( means a sudden decrease in quantity) will not affect the price but it will decrease the real GDP because the demand curve will shift leftwards.
Recently Kaden switched jobs from a large firm to a medium-sized firm. As one of four project managers at the new firm, Kaden recognizes that employees have much more respect for his expertise than he perceived at the larger firm where there were a minimum of 25 project managers. According to Maslow, which need in his hierarchy is important to Kaden
Answer: esteem
Explanation:
According to Maslow, the esteem need is important to Kaden. Esteem needs simply means the need for self esteem, respect, and self-confidence.
Esteem needs are the basis through which other people value and accept us. As individuals, if we are don't have self esteem, it can bring about inferiority complex. Esteem needs brings about confidence, social acceptance, and respect from others.
You have approached a hospital administrator about marketing in her facility. The administrator is uncomfortable with the suggestion. How could you address her concerns
Answer: When meeting with the hospital administrator she can be assured that it's written in medicare guideline for products to be marketed around their facility as long as it doesn't obstruct their business
Explanation:
Medicare guidelines allows for marketing of products around some facilities. When meeting with the hospital administrator she can be assured that it's written in medicare guideline for products to be marketed around their facility as long as it doesn't obstruct their business.
what is one major negative affect of globalization?
Answer:
The Negative Effects of Globalization on the Environment the massive development of transport that has been the basis of globalization is also responsible for serious environmental problems such as greenhouse gas emissions, global warming pollution.
Negative impacts of globalisation
Globalisation operates mostly in the interests of the richest countries, which continue to dominate world trade at the expense of developing countries. The role of LEDCs in the world market is mostly to provide the North and West with cheap labour and raw materials.
There are no guarantees that the wealth from inward investment will benefit the local community. Often, profits are sent back to the MEDC where the TNC is based. Transnational companies, with their massive economies of scale, may drive local companies out of business. If it becomes cheaper to operate in another country, the TNC might close down the factory and make local people redundant.
An absence of strictly enforced international laws means that TNCs may operate in LEDCs in a way that would not be allowed in an MEDC. They may pollute the environment, run risks with safety or impose poor working conditions and low wages on local workers.
Globalisation is viewed by many as a threat to the world's cultural diversity. It is feared it might drown out local economies, traditions and languages and simply re-cast the whole world in the mould of the capitalist North and West. An example of this is that a Hollywood film is far more likely to be successful worldwide than one made in India or China, which also have thriving film industries.
Industry may begin to thrive in LEDCs at the expense of jobs in manufacturing in the UK and other MEDCs, especially in textiles.
Anti-globalisation campaigners sometimes try to draw people's attention to these points by demonstrating against the World Trade Organisation. The World Trade Organisation is an inter-government organisation that promotes the free flow of trade around the world.
Globalization seems to be looked on as an unmitigated “good” by economists. Unfortunately, economists seem to be guided by their badly flawed models; they miss real-world problems. In particular, they miss the point that the world is finite. We don’t have infinite resources, or unlimited ability to handle excess pollution. So we are setting up a “solution” that is at best temporary.
Economists also tend to look at results too narrowly–from the point of view of a business that can expand, or a worker who has plenty of money, even though these users are not typical. In real life, businesses are facing increased competition, and the worker may be laid off because of greater competition.
The following is a list of reasons why globalization is not living up to what was promised, and is, in fact, a very major problem.
2. Globalization increases world carbon dioxide emissions.
3. Globalization makes it virtually impossible.
5. Globalization transfers consumption of limited oil supply from developed countries to developing countries. If world oil supply isn’t growing by very much, and demand is growing rapidly in developing countries, oil to meet this rising demand must come from somewhere. The way this transfer takes place is through the mechanism of high oil prices.
7. Globalization transfers investment spending from developed countries to less developed countries. If an investor has a chance to choose between a country with a competitive advantage and a country with a competitive disadvantage, which will the investor choose? A shift in investment shouldn’t be too surprising.
I hope you got it! Hope this help you!:)
Explanation:
The major negative effect of globalization is companies burn more fossil fuels to ship goods overseas.
The concept of "globalization" describes the growing interdependence of the economies, cultures, and people of many nations as a result of technical breakthroughs, cross-border trade in products and services, and global flows of capital, people, and information.
A rise in wealth inequality and unfavorable working conditions in less developed nations that export goods to more developed nations are just two examples of the negative social effects that globalization may have.
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A corporation that owns brands that offer clothing at different prices is ___________ its brands at different pricing levels.
Answer:
promoting
Explanation:
There are two types of customers in market. Bullish customers prefer to pay high amount for product just for brand name and Bearish customers prefer to get lowest possible quote for a product. It is business strategy to promote their product to both the customers.
Combining data from multiple sources in an effort to find obscure hidden connections that might help identify criminals or terrorists is known as: Group of answer choices Nonobvious relationship awareness Behavioral Targeting Internet Marketing Profiling.
Answer:
Nonobvious relationship
Explanation:
Cyber security can be defined as a preventive practice of protecting computers, software programs, electronic devices, networks, servers and data from potential theft, attack, damage, or unauthorized access by using a body of technology, frameworks, processes and network engineers.
A nonobvious relationship can be defined as a process which typically involves combining data obtained or generated from multiple sources so as to help an individual and business detect hidden (obscure) connections that could help identify and unravel unscrupulous elements such as hackers, criminals or terrorists.
Just like its name, a nonobvious relationship exists between member nations or groups and it may not be exposed to nonmembers.
One of the big strategic issues in expanding internationally is Multiple choice question. determining whether to employ an international or global strategy in the early stages of entering a company's largest foreign markets. how much to charge for licensing a company's brand in a foreign market. customizing products in each country market to match preferences of local buyers versus competitive pressure to keep costs down. adapting to language differences.
Answer:
Customizing products in country markets for local buyers versus competitive pressures to keep costs down.
Explanation:
International expansion strategies can be regarded as formal as well as multi-level strategic plans which is been used by businesses to enter an overseas market as well as establishing a growing presence, so they can become profitable in quick to time. It is a competitive analysis that is used in vetting the business offerings as well as operations of a company against industry competition as regards new market. In this competitive pressures is one of those things to consider this range from how to keep the price balance, the product as well as services to meet up with compititive market, another one is Product Customization which involves delivering of customized goods/services to the customers base on their needs and desire.
It should be noted that One of the big strategic issues in expanding internationally is Customizing products in country markets for local buyers versus competitive pressures to keep costs down.
what is an opportunity cost
Answer:
B
Explanation:
Opportunity cost is the valje of the next best alternative forgone when a choice is made.
Companies that operate in a ___________________ environment have the lowest amount of environmental uncertainty as illustrated in the environmental uncertainty matrix.
Answer:
Simple, stable
Explanation:
External environment
This is commonly known and includes factors, forces, outcomes, situations, and events outside an organization that influences or affect its performance.
The components of external environment includes: economic, demographic, technological, sociocultural, political/legal, global etc.
Stable-simple environment
This environment is said to be very stable and also predictable. The Few components are sort of similar and remain the same. And it requires little need for sophisticated knowledge of components.
If a family planned to spend $370 for food during March but only spent $348, this difference would be referred to as a:
Answer:
Surplus
Explanation:
Given:
Family planned to spend = $370
Amount spend = $348
Find:
Amount of surplus
Computation:
Amount of surplus = Family planned to spend - Amount spend
Amount of surplus = $370 - $348
Amount of surplus = $22
A surplus is the quantity of an item or resource that is greater than the amount that is actively used.
9. A necessary condition for international portfolio diversification to be beneficial is that: a. The various national market returns exhibit low correlation. b. The various national market returns exhibit high correlation. c. The various national market returns are perfectly positively correlated. d. The various national market returns exhibit correlations that are non-unity. e. The various national market returns are perfectly negatively correlated.
Answer:
A
Explanation:
International portfolio diversification is the process by which an investor diversifies her portfolio by holding both domestic and foreign assets in her portfolio. The aim of this strategy is to reduce the risk of the portfolio.
Correlation is a statistical measure used to measure the relationship that exists between two variables.
1. Positive correlation : it mean that the two variables move in the same direction. If one variable increases, the other variable also increases.
For example, there should be a positive correlation between quantity supplied and price
When there is a positive correlation, the graph of the variables is upward sloping
2. Negative correlation : it mean that the two variables move in different direction. If one variable increases, the other variable decreases.
For example, there should be a negative correlation between quantity demanded and price
When there is a negative correlation, the graph of the variables is downward sloping
3. Zero correlation : there is no relationship between the variables
For an international diversified portfolio, the optimal situation is for the domestic and foreign investments to have little or no correlation
What is your long term career goal?
Daven inherited property from a parent. The property had an adjusted basis to the parent of $1,600,000. It was valued at $2,000,000 at the date of death and valued at $1,800,000 six months after the date of death. The executor elected the alternative valuation date. What is Daven's basis in the property
Answer:
$1,800,000
Explanation:
As per the section of 1014(a) (2) pf IRS the basis of the inherited property is normally the fair market value at the time of dealth.
In the case when there is an alternative valuation date i.e. chosen so here the basis should be at the fair market value because the valuation is less than the value at death
So $1,800,000 should be considered
A market situation where all participants have an incentive to exploit a resource yet no one can limit anyone else's access to that resource, resulting in over-exploitation, can be described as a(n)
Answer:
Tragedy of the Commons
Explanation:
The tragedy of the commons refers to a situation where the individual could access to the resources that are shared for their own interest.
So it is the market situation where the participant expolited the resources also there is no limited for accessing the resources
So the above term should be considered for the given situation
define business systems
Answer:
In business terminology, a business system refers to the value-added chain, which describes the value-added process, meaning the supply of goods and services. A business can span one or several business systems. Each business system, in itself, generates economic benefit.hope it helps.stay safe healthy and happy...A project is expected to generate annual revenues of $129,300, with variable costs of $72,400, and fixed costs of $18,900. The annual depreciation is $4,950 and the tax rate is 21 percent. What is the annual operating cash flow
Answer:
$42,950
Explanation:
Data and Calculations
Revenue $129,300
Less variable costs ($72,400)
Less fixed costs ($18,900)
add depreciation $4,950
Operating Cash flow $42,950
Thus
The annual operating cash flow $42,950.
A certain college graduate borrows 6900 dollars to buy a car. The lender charges interest at an annual rate of 18%. Assuming that interest is compounded continuously and that the borrower makes payments continuously at a constant annual rate k dollars per year, determine the payment rate that is required to pay off the loan in 7 years. Also determine how much interest is paid during the 7-year period.
Answer:
a) k = $1734.86 per year
b) $5244.02
Explanation:
Principal ( borrowed ) = $6900
Annual interest rate = 18% ( compounded continuously )
Borrower makes a continuous payment at a constant rate : $k per year
a) Determine payment rate required to payoff loan ( in 7 years )
let loan at time ( t ) = x
x = $6900 , at t = 0
rate of increase of loan amount = 0.18x
rate of decrease of loan amount = k
∴ net change of loan x
= dx/dt = 0.18x - k
hence ; dt = dx / ( 0.18x - k )
k = $1734.86 per year
attached below is a part of the solution
b) Determine how much interest is paid during 7-year period
Interest paid in 7 years
= Amount paid - principal amount
= ( 1734.86 * 7 ) - 6900
= $5244.02
