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.
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.
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
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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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).
_____________ is a short-term debt security sold by a business firm or financial institution to another business or institution where the seller agrees to buy back the security at a specified price and date.
Answer:
A repurchase agreement.
Explanation:
A repurchase agreement is a short-term debt security sold by a business firm or financial institution to another business or institution where the seller agrees to buy back the security at a specified price and date.
For some reason, the seller of a home at 123 Mulberry Lane decided not to close on a sale transaction on closing day. The seller called the title company and told them she would not close the transaction but would not say why. The buyer has a moving truck, already loaded with his things, sitting in front of the home, waiting for possession of the new property. Since the seller refuses to close, what can the buyer do?
Answer:
The buyer can sue for specific performance of the contract. In real estate, in order for the buyer to be able to sue for specific performance, he/she must have all the money (or mortgage) ready to finish the transaction. It is very difficult for someone to sue for damages for not wanting to complete the sale of a house because houses are unique in a way that similar houses in different neighborhoods or even streets might be worth a lot more or less.
When you sue for specific performance, the non-breaching party will request that the other party performs their side of the contract.
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:
If William performs plumbing upgrades for Patricia in exchange for her incorporating his business, then their _________________________ will be satisfied.
Answer: double coincidence of wants
Explanation:
Coincidence of wants simply refers to a situation whereby two parties have something that the other person wants, therefore they then exchange the products they have. It should be noted that no financial compensation is involved. This simply has to do with trade by barter.
If William performs plumbing upgrades for Patricia in exchange for her incorporating his business, then their double coincidence of wants will be satisfied.
Japanese automakers have realized that _____ can be a source of competitive advantage, and, as a result, Japanese firms bargain directly with local labor unions to incorporate this into the work practice before agreeing to operations.
Answer: how work is being organized
Explanation:
Japanese automakers have realized that how work.is being organized can be a source of competitive advantage, and, as a result, Japanese firms bargain directly with local labor unions to incorporate this into the work practice before agreeing to operations.
The way companies organize their work has a role to play in making them standout when compared to their rivals.
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
f the short-run aggregate supply curve is horizontal and the long-run aggregate supply curve is vertical, then a change in the money supply will change ______ in the short run and change ______ in the long run.
Answer:
1. only output.
2. only prices
Explanation:
Aggregate supply curve is a graphical representation of supply indices of a firm which shows the total quantity of output, that is real GDP that firms will produce and sell at given price level.
Hence, given that the short-run aggregate supply curve is horizontal and the long-run aggregate supply curve is vertical, then a change in the money supply will change ONLY OUTPUT in the short run and change ONLY PRICES in the long run.
If you have an offer that’s targeted towards your leads in your database and wouldn’t provide as much value to your customers, what could you segment by to send only to your leads? answered
Answer:
Lifecycle stage
Explanation:
Lifecycle stage is a term often used marketing, to describe a strategy or technique prohibiting actual and potential sales leads from declining through the cracks. It can also be utilized to document changing prices through different levels so activity within various levels can be effectively optimized.
Hence, in this situation, one could segment by LIFECYCLE STAGE to send only to leads.
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.
"The Bank of England is concerned that the British Pound is weakening against the U.S. Dollar. A method for the Bank of England to strengthen its currency would be to:"
Complete/Correct Question:
The Bank of England is concerned that the British Pound is weakening against the U.S. Dollar. A method for the Bank of England to strengthen its currency would be to:
A. raise British interest rate levels
B. lower British interest rate levels
C. raise U.S. interest rate levels
D. lower U.S. interest rate levels
Answer:
A, raise British interest rate levels
Explanation:
Increasing the interest rate levels of the British will help strengthen the pound against the Dollar. This would mean that the United States is offering lower interest rate.
This is possible because a higher interest rate means that lenders will make higher returns compared to countries with lower interest rates.
Cheers.
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.
"A customer contributed $50,000 to a variable annuity contract. The account value has grown over the years and the NAV is now $70,000. The customer is now age 60, and takes a lump-sum distribution of $25,000 to pay for expenses. Which statement is TRUE?"
Answer: $20,000 of the distribution is taxable and $5,000 is not taxable
Explanation:
The options to the question are:
A. The entire $25,000 distribution is not taxable
B. $5,000 of the distribution is taxable and $20,000 is not taxable
C. $20,000 of the distribution is taxable and $5,000 is not taxable
D. The entire $25,000 distribution is taxable.
From the question, we are told that a customer contributed $50,000 to a variable annuity contract and that the account value has grown over the years and the NAV is now $70,000.
We are further told that the customer is now age 60, and takes a lump-sum distribution of $25,000 to pay for expenses. This indicates that there will be tax deductible in the amount of :
= $70000 - $50000 = $20,000. It should also be noted that $5000 won't be taxed.
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.
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.
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.
If the natural rate of unemployment equals 5 percent and the actual rate of unemployment equals 6 percent, then cyclical unemployment equals:
Answer:
1%
Explanation:
The computation of cyclical unemployment is shown below:
Cyclical unemployment is
= Actual rate of unemployment - the natural rate of unemployment
= 6% - 5%
= 1%
We simply deduct the natural rate of unemployment from the Actual rate of unemployment so that the cyclical unemployment could come and hence the difference is called as a cyclical unemployment, the same is to be considered
As a technical project manager, you have decided to propose implementing a prototyping methodology for a small web-based design project. What is the order of steps you will follow in this project? .
Complete/Correct Question:
As a technical project manager you have decided to propose implementing a prototyping methodology for a small web-based design project. What is the first step you will follow in this project?
A. Use the existing prototype.
B. Identify user requirements.
C. Conduct a feasibility study.
D, Identify different solutions.
E, Develop an initial prototype.
Answer:
B, identify user requirements
Explanation:
When prototyping a methodology, it is very important that the project manager identifies or asks for the requirements of the client to ensure that the design doesn't come off as meaningless.
Cheers.
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
Ethical principles in business A. deal chiefly with the actions and behaviors required to operate companies in a socially and environmentally responsible manner as dictated by government regulations. B. deal chiefly with the rules each company's top management and board of directors make about "what is right" and "what is wrong." C. are not materially different from ethical principles in general. D. are generally less stringent than the ethical principles for society at large. E. are generally more stringent than the ethical principles for society at large.
Answer:
C. are not materially different from ethical principles in general.
Explanation:
Ethical principles in business are not materially different from ethical principles in general. They correspond to the protection of life, human dignity, freedom, human integrity, diversity, justice, etc.
In an organization, compliance with ethical principles is essential for the organization's survival. Through organizational ethics it is possible for the organizational culture to be based on respect for personal individualities, the values of employees, mutual respect regardless of hierarchical position, etc.
An ethical company will have a stronger reputation and positioning in the internal and external environment, positively influencing the entire environment and society in general.
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.
Derek's new office is undergoing a minor renovation and he cannot conduct business in the location for approximately six months. He decided to lease a temporary office in Samantha's building from June 1 to December 30. Which type of lease has Derek signed?
Answer:
im not smart but i think its a short term lease
Explanation:
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.
Alicia has a fairly weak case to present to her supervisor. In order to be more persuasive, she should
Answer:
put him in a good mood
Explanation:
As a normal human we know that when the chances of a event are low to be in our favour, we shall choose the best method, and best time in order to increase the feasibility or possibility of letting that event occur.
Now, in the given case. Alicia is an employee and when she knows that the chances of getting her demand successful are low, and her case stands weak, that is chances of getting positive results are low.
Then, she should probably find the best mood of her supervisor so that the supervisor at-least do not completely neglect her views, and rather consider to affirm them.
If she doesn't find a good mood, she should probably try to put him in good mood.
Suncoast Healthcare is planning to acquire a new x ray machine that costs $200,000. The business can either lease the machine using an operating lease or buy it using a loan from a local bank. Suncoast's balance sheet prior to acquiring the machine is a follows:
Current assets: $100,000 --- debt : $400,000
net fixed assets: $900,00 ---- equity: $ 600,000
total assets : $ 1,000,000 --- total claims: $1,000,000
a. what is Suncoast's current debt ratio?
b. what would the new debt ratio be if the machine were leased? if it iss purchased?
c. is the financial risk of the business different under the two asquistition alternatives?
Answer:
a. what is Suncoast's current debt ratio?
debt ratio = liabilities / equity = $400,000 / $600,000 = 0.67
b. what would the new debt ratio be if the machine were leased? if it is purchased?
if X-ray machine is leased, debt ratio = $400,000 / $600,000 = 0.67
if X-ray machine is purchased, debt ratio = $600,000 / $600,000 = 1
c. is the financial risk of the business different under the two acquisition alternatives?
yes, because a higher debt ratio means that the company is under a higher financial stress since it has more outstanding loans, which increases the financial risk.
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.
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.