Answer: partial release clause
Explanation:
The partial release clause is regarded as a clause which provides for deeds to portions of land to be conveyed as certain percentages of the contract price are paid.
The partial release clause simply states that when the balance on a mortgage has been paid to a particular amount, the lenders will have to release a parcel.
Ollie and Molly Overton have just taken out a 30-year straight term loan on their new "starter home" in Bellflower. This means that:________.A. They will make payments of interest only, with the principal due on the loan due date in 30 years.B. They will make payments of principal only, with the accumulated interest due on the loan due date in 30 years.C. They will make payments of interest and principal on an equal basis until the final payment, which will be larger than the rest, is made at the end of the loan term.D. They will make regular payments of principal and interest, and the entire loan will be paid off by the end of the term.
Answer:
A. They will make payments of interest only, with the principal due on the loan due date in 30 years.
Explanation:
In this scenario, Ollie and Molly Overton have just taken out a 30-year straight term loan on their new "starter home" in Bellflower.
A straight term loan is also known as a straight term mortgage or an interest only loan. It can be defined as a type of loan in which the borrower pays only interest during the term of the loan, while the entire principal amount is to be paid for with the final interest payment at the maturity date (loan due date).
This ultimately implies that, Ollie and Molly Overton will make payments of interest only, with the principal due on the loan due date in 30 years.
In terms of stating mortgage rate interest, the standardized rate required by the Truth in Lending Act to facilitate comparison loan shopping is called the
Answer:
Annual Percentage Rate (APR).
Explanation:
In terms of stating mortgage rate interest, the standardized rate required by the Truth in Lending Act to facilitate comparison loan shopping is called the annual percentage rate (APR).
The annual percentage rate (APR) in financial accounting is usually expressed in terms of percentage of the total yearly cost of funds provided to a borrower of a loan or income earned on an asset.
Hence, the annual rate of interest charged or deducted from a borrower and being paid to an investor is generally referred to as the annual percentage rate (APR).
Sam's new to Google Search Ads and worries he may not have the skills or time to run a successful ad campaign. Which two Dynamic Search Ads features will be of help to Sam?
Complete Question:
Sam’s new to Google Search Ads and worries he may not have the skills or time to run a successful ad campaign. Which two Dynamic Search Ads features will be of help to Sam? (Choose two.)
Group of answer choices
A. The user interface for Dynamic Search Ads excludes all manual controls.
B. Dynamic Search Ads require no initial user configuration.
C. Destination URLs are automatically kept up-to-date.
D. Dynamic Search Ads don’t have to undergo the bidding process.
E. Machine learning helps automatically find new keywords.
Answer:
C. Destination URLs are automatically kept up-to-date.
E. Machine learning helps automatically find new keywords.
Explanation:
In this scenario, Sam is new to Google Search Ads and worries he may not have the skills or time to run a successful ad campaign. The two Dynamic Search Ads features that will be of help to Sam are;
1. Destination URLs are automatically kept up-to-date.
2. Machine learning helps automatically find new keywords.
Basically, for those who are relatively new to the Google Ads, the company provides a feature known as the dynamic search ads which helps various users to easily run a successful ad campaign. Through the use of machine learning, a dynamic search ad allows phrases and titles associated with a website to be automatically indexed and presented as a landing page to any user who is searching with the keywords.
"Which of the following statements are TRUE? I New issues of Treasury Bills are generally priced at par II New issues of Treasury Bonds are generally priced at par, or at a slight discount to par III New issues of Agency Bonds are generally priced at par, or at a slight discount to par"
Answer:
The remaining part of the question is:
Which of the following statements are TRUE?
I New issues of Treasury Bills are generally priced at par
II New issues of Treasury Bonds are generally priced at par, or at a slight discount to par
III New issues of Agency Bonds are generally priced at par, or at a slight discount to par
A. I only
B. III only
C. II and III only
D. I, II, III
Correct Answer:
C. II and III only
Explanation:
It is a fact that virtually all new issues of T-Bills are always sold at a discount to par value. These are original issue discount obligations, with the accrued value of the discount being the interest income earned on these securities.
Treasury Bonds and Agency Bonds are issued at par or in most cases at a very slight discount to par, and make periodic interest payments.
Investment risk may broadly be categorized as either unsystematic or systematic risk; both types of risk together constitute total, or absolute, risk. Total risk is measured by
Answer:
standard deviation
Explanation:
Systemic risk is risk inherent in a market and cannot be diversified.
systemic risk is measured by beta
unsystemic risk is risk specific to a business and it can be eliminated by diversifying portfolio
the sum of systemic and unsystemic risk gives total risk and it is measured by standard deviation
The United States economy is considered by the Institute for Management Development to be the most competitive economy because:________
a. of widespread entrepreneurship.
b. of selected restrictions on imports from Japan and Europe.
c. Americans are willing to work harder than anyone else is.
d. of a high saving rate.
Answer:
a. of widespread entrepreneurship.
Explanation:
According to the Institute for Management Development, a business education school that is situated in Lausanne, Switzerland. In its annual rankings on the performance of 63 economies across the globe. In 2018 rated the United States of America as the topmost economy in competitiveness. Based on various data gathered and surveyed, the education school cited "widespread entrepreneurship" as the major reason behind it.
An industry is considered to be global to the extent that its industry position in one country is dependent upon the industry position in other countries.a) trueb) false
Answer:
False.
Explanation:
False, Because a global company is the one that operates in different countries. It does not have to depend on the position of industry in other countries. If a company is operating in different countries then it is a global company. Moreover, in the case of a global company, the company sells its product in that country without changing its quality. For example, a global company selling soda in different countries. In this case, the company will not compensate for its product according to the culture of that country rather it will impose its business model.
A local electricity - generating company has a monopoly that is protected by an entry barrier that takes the form of:________. a. economies of scale. b. perfectly inelastic demand curve. c. control of a key raw material. d. network externalities.
Answer:
a. economies of scale.
Explanation:
Local electricity companies generally have natural monopolies resulting from both economies of scale and/or control of natural resources. Economies of scale refers to the average total costs decreasing as the total output generated by the company increases. For example, it is extremely expensive to generate electricity for 1 single home, but the average total cost for generating electricity for 1 million homes is very low. Generally utilities are monopolies because it is very expensive to set and start operating the company, but once it is operating its average costs per consumer are very low.
Select the best answer: A Notary Signing Agent has been providing signing services with no incidents for over 10 years without having undergone a background screening. Therefore he or she:
Answer:
Must still arrange to obtain and pass a background screening
Explanation:
A notary agent is also called a signing agent and they obtain the official signature of an appearer on a document. They ensure that legal documents are authentic, they check identity of the person signing, and serve as witness.
Notary agents are required to obtain a background check every 12 months.
Background checks verify identity, address, criminal record search, vehicle records, and known terrorist list check.
So the notary agent that has been providing signing services for 10 years still needs to obtain a background check.
The Home Depot Rewards MasterCard and The Home Depot Business Rewards MasterCard allows consumers and business owners earn rewards for everyday purchases. The Home Depot is engaged in:
Answer:
Answer is B
Explanation:
In simple words, relationship marketing refers to the marketing strategy under which an organisation interacts with their customers through open communication and tries to build customer loyalty by proving them information and services that are best suited to their needs.
Organisations using such strategies focus on building positive relationship with the customers to retain them for a long time period and build a strong customer base for continuing high revenues and high market share.
In the given case also the company is rewarding their active customers by special services, thus, they are doing relationship marketing.
Firms that specialize in helping companies raise capital by selling securities are called _______________.
Answer: investment banks
Explanation: Investment banks are financial institutions that deals with raising capital, trading in securities and managing corporate mergers and acquisitions. They specialize in helping companies raise capital by selling securities (a tradeable financial asset, such as a share of stock, bonds and so on.
Caars Inc. issued a 120-day note in the amount of $360,000 on November 1, 2016 with an annual rate of 6%. What amount of interest has accrued as of December 31, 2016
Answer:
The amount of interest accrued as of December 31, 2016 is $10,980.
Explanation:
On December 31, two months interest is accrued and this is equivalent to 61 days (30 days for November and 31 days for December).
Calculation of Interest accrued is as follows ;
Interest accrued = $360,000 × 6% × 61/120
= $10,980
A registered representative has written discretionary authorization from a customer. Specific customer approval is needed for the registered representative to effect what transactions in the customer's account?
Answer:
Purchase a municipal bond where the broker-dealer has a control relationship with the issuer
Explanation:
Specific customer approval is needed when there is a control relationship between a brokerage firm and the issuer before a security can be purchased in discretionary accounts
Which type of stock price adjustment time path occurs when there is a bubble (price run up) in the path followed by a decline after the market receives information about the stock
Answer:
Overreaction and correction
Explanation:
Stock overreaction can be defined as the difference between the lowest price of stocks as a result of an event; e.g an election; and the price of the stocks after the event, after a period of time.
Stock correction on the other hand can be defined as a 10% or more decrease or decline in the value of an the financial market.
Each of stock overreaction and correction have causative events, as those events are the determinants of the change in the prices of stocks during the said time.
For stock price correction, it usually occurs as a result of economic issues. Stock correction can take from weeks to months to happen and it can have a damaging effect on stocks on the short term but could actually be good for the stock prices if the correction occurs over a longer period of time.
Stock price overreaction, as seen from the definition, can be caused by an election or an event within the floor of teh stock exchange which excites stocks at that period.
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What amount should Dunbarn report as cash provided (used) by investing activities in its statement of cash flows for the year
Complete Question:
Dunbarn Co. had the following activities during the year:
Purchase of inventory$120,000
Purchase of equipment 80,000
Purchase of available-for-sale securities 60,000
Purchase of treasury stock 70,000
Issuance of common stock 150,000
What amount should Dunbarn report as cash provided (used) by investing activities in its statement of cash flows for the year?A. $(120,000)B. $(140,000)C. $(210,000)D. $150,000
Answer:
Dunbarn Co.
The amount Dunbarn Ltd should report as cash provided (used) by investing activities in its statement of cash flows for the year is:
B. $(140,000)
Explanation:
a) Investing outflows:
Purchase of equipment $80,000
Purchase of available-for-sale securities 60,000
Total spent on investing activities $140,000
b) Investing activities are the financial activities that an entity engages in to increase its stock of owned resources. They include cash inflows and outflows around the acquisition of long-term assets and securities. These are investments made so that the firm can generate more resources for itself. The purchase of inventory falls under operating activities, as inventory forms part of the main business of the entity. The purchase of treasury stock and issuance of common stock are classified as financing activities and not investing activities. This leaves the purchase of equipment and available-for-sale securities as the only investing activities during the year.
The opportunity cost of a choice is the _____ of the opportunities lost.a. Valueb. Interest
Answer:
a. Value.
Explanation:
The opportunity cost of a choice is the value of the opportunities lost.
In Economics, Opportunity cost also known as the alternative forgone, can be defined as the value, profit or benefits given up by an individual or organization in order to choose or acquire something deemed significant at the time.
Simply stated, it is the cost of not enjoying the benefits, profits or value associated with the alternative forgone or best alternative choice available.
Hence, the opportunity cost of a choice is the benefits that could be derived in from another choice using the same amount of resources.
For instance, if you decide to invest resources such as money in a food business (restaurant), your opportunity cost would be the profits you could have earned if you had invest the same amount of resources in a salon business or any other business as the case may be.
Which root of insurgency discusses how foreign businesses can dominate critical portions?
Answer: Occupation or exploitation
Explanation:
Foreign business would find it differently difficult to break into the local market of a particular environment. One of the ways they can break into such market is by exploitation. They have to exploit the market by carrying out extraordinary deeds in what their products offer or how they intend selling their product to the local market they are approaching. They need to be creative with their plan and seek ways to capture the fancy of these market.
When improvements reach the age that the income from the property does not pay a reasonable return on the land value, the property has reached the end of its:
Answer:
Economic life
Explanation:
The economic life or service life or useful life or depreciable life is the number of years over which the income from the asset is more than the maintenance and operation expenditures. It is the period after which the asset is inoperable or cannot be put to commercial profit use
Economic life can also be measured as the number of units exhausted or attained, used or produced, such as the economic life of a car can be listed as 160,934.4 kilometres in place of a listing as having an economic life of three years.
Carlita began 2014 with a taxes payable account balance of $3,000. On December 31, 2014, its taxes payable account balance is $7,000. How much did Carlita pay to the tax authorities during the year?
Answer:
$2,000
Explanation:
The computation of the amount pay to the tax authorities during the year is shown below;
Let us assume the accrued payment be $6,000
Let us assume the amount pay to the tax authorities be X
Beginning Taxes payable account balance + Accrued payment - X = Ending taxes payable account balance
$3,000 + $6,000 - X = $7,000
$9,000 - X = $7,000
So, the X is
= $9,000 - $7,000
= $2,000
hence, the amount pay to the tax authorities is $2,000
An owner advertised "beautiful acreage only $5,000 down, owner will personally finance down payment." Would this be in violation of the Truth in Lending Act?
Answer:
No, owners are not covered by the Truth in Lending Act.
Explanation:
Based on this scenario it can be said that No, owners are not covered by the Truth in Lending Act. This regulation basically requires that all financing terms and conditions are disclosed if any such aspect like a low-interest rate, downpayment or other enticement is featured in the advertisement. Even though this is the case in this scenario, the Truth in Lending Act does not apply to individuals selling their own property and therefore does not apply in this situation.
Which of the following business segments would not be considered a cost center? Manufacturing facilities Accounting department Retail outlet Personnel department
Answer:
The answer is Retail outlet
Explanation:
Cost center is a function is an organization that does not directly add to the profit of the organization but rather add to the cost of the organization. This is unlike profit center that directly add to the profit of the company.
Examples of cost center are legal department, accounting department.
Retail outlet is not a cost center because it involves the purchase and sales of inventories. So it directly adds to the profit of an organization.
In our accounting department, one of the actions taken by a clerk has been to identify the most frequently used forms and to put them in an area where they can be easily accessed. The other less frequently used forms have been tagged and put in their own separate area. This action likely occurred from the use of which lean tool?
Answer:
a 5S program
Explanation:
This action likely occurred from the use of a 5S program. This is a program that focuses on the 5 S' which are Sort, Set in Order, Shine, Standardize, Sustain. These are used in order to analyze everything in an area in order to decide what is or isn't necessary, put things in order, cleaning, and setting up procedures for performing these tasks on a regular basis. Which is what the clerk has done by identifying these most and least frequent forms and organizing them accordingly for use on a regular basis.
Like the CISSP, the SSCP certification is more applicable to the security__________ than to the security __________.
A) technician, manager
B) manager, engineer
C) manager, technician
D) technician, executive
Answer:
sut dykrb if fik
Explanation:
ryuj kyiimr k r 7
Answer:
manger, technician
Explanation:
A city taxes merchants for various central district improvements. Which of the following accounting methods assist(s) in assuring that these revenues are expended legally?
Fund Accounting Budgetary Accounting
Yes No
No No
Yes Yes
No Yes
Answer: Yes Yes
Explanation:
Fund Accounting in relation to the public sector is used to record resources which are to be restricted in their use by the the law and the main emphasis under this accounting system is to be accountable for the funds given not to record profit. It can therefore be used to ensure that the revenues the city gets will be spent legally by making sure that the entries reflect accountability from those who use it.
Budgetary Accounting in the public sector as well can be useful for seeing that revenues are expended legally as it is based on budgets which list the amounts that should go towards each project to be undertaken and which follow legal compliance.
âWhy would you not want to use money (e.g., quarters) as tokens in a token economy for juvenile delinquents in a residential treatment program?
Answer:
Using money as tokens in a token economy for juvenile delinquents would be problematic mainly for two reasons:
1. The juvenile delinquents may steal the tokens from each other, making theft a problem in the place.
2. They might use the tokens to buy forbidden goods from outside the facility (things such as weapons or drugs).
The budgetary unit of an organization that is led by a manager who has both the authority over and responsibility for the unit's performance is known as a
Answer:
Responsibility center
Explanation:
A responsibility center is a unit in an organization that is headed by a manager or an executive, in which he has a level of responsibility and authority over the performance of that unit. The manager is usually held responsible for the outcomes and activities carried out in the unit. In an organization, there are several responsibility centers that tend to different responsibilities.
A responsibility center is a functional entity of its own that is staffed. Examples of responsibility centers are cost centers, profit centers, revenue centers and so on.
The part of the variable overhead budget variance due to the difference between actual variable overhead cost and the standard cost allowed for the actual inputs used is called the:
Answer:
variable expenditure variance
Explanation:
The variable expenditure variance is the difference between actual variable overhead cost and the standard cost allowed for the actual inputs used.
An adverse variance results when actual overheads exceeds the standard cost for actual input used for example labor hours.
A favorable variance results when the standard cost for actual input used exceeds the actual overheads.
Old Man Smith died owning a property with an estimated value of $500,000. He never married and died without leaving a will. Smith's sister was married and had two children. What will happen to the property upon the death of Mr. Smith?
Answer:
The property would be given to the next available direct relation of his who happens to be his sister. This is because, most property are shared among siblings. Since Smith's sister is one of his sibling, she is entitled to receive the property.
Explanation:
Because he did not created a will, the property of the deceased estate will be administered by court and decision of appropriation to the likely beneficiaries will be made therein.
Usually, when the estate owner dies without a will, the family or relatives will need to start the process of administration which will be done by a court of law.
In conclusion, since he did not created a will, the property of the deceased estate will be administered by court and decision of appropriation to the likely beneficiaries will be made therein.
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"Which asset allocation is BEST for a 35-year old single risk tolerant investor looking to achieve the highest returns?"
Answer:
95% stocks /5% Money Markets
Explanation:
It is advisable for an investor that is relatively risk tolerant should consider devoting more of their money into stocks based investment, especially for a young, single investor who is willing to achieve highest return such that such an investor will be more likely to stay invested during the short periods of bear market fluctuations
Investment should be made based on the asset allocation plan. For a person looking to make high returns in about 20 years, he does not need to be very concerned about the stock market short-term fluctuations, compared to a person looking to put their ward through college in a few years time who should be more inclined to fixed income safer investments.
If the seller's broker in a transaction earned a commission of $18,250, what was the final sales price of the property, assuming he/she earned a commission rate of 6%...?
Answer:
$304,167
Explanation:
The seller's broker earned a commission of $18,250 in a transaction
The commission rate is 6%
= 6/100
= 0.06
Let y represent the final sales price of the property
Therefore, the final sales price of the property can be calculated as follows
0.06y= $18,250
y= $18,250/0.06
y= 304,167
Hence the final sales price of the property is $304,167