Answer:
it's A
Explanation:
credit cards
The practise of applying unfair, dishonest, or abusive loan terms to customers is known as predatory lending. Hence option A is correct .
What is predatory lending ?These loans frequently come with excessive fees and interest rates, drain the borrower's equity, or place a creditworthy borrower in a loan with a worse credit rating (and higher cost), all to the lender's advantage.
Predatory lenders frequently employ pushy sales techniques and prey on the borrowers' ignorance of financial transactions. They lure, encourage, and help a borrower take out a loan they will not reasonably be able to repay through deceptive or dishonest conduct and a lack of transparency.
Any dishonest actions taken by lenders to persuade, induce, deceive, or aid borrowers into taking out loans they are unable to responsibly repay or must pay back are considered predatory lending back at a price that is significantly more than the going rate. Predatory lenders prey on the situation or ignorance of borrowers.
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The Susan Hansen Group in St. George, Utah, sells $16,000,000 of single-family homes and townhomes a year. If single-family homes, with an average selling price of $250,000, sell 3.5 times more often than townhomes, with an average selling price of $190,000, how many of each are sold?
Answer:
52.605 family homes are sold
Explanation:
Let townhomes be x. The selling price is x(190,000). Family home has 3.5, more often than townhomes is 3.5x. The selling price is 3.5x(250,000). A year of single family homes and townhome are sells 16,000,000
3.5x(250,000) =x(190,000) = 16,000,000
875,000x + 190,000x = 16,000,000
1,065,000x = 16,000,000
x = 16,000,000 / 1,065,000
x = 15.03
So, 15.03 townhomes are sold
Hence, the family homes is 3.5x
3.5x = 3.5(15.03)
= 52.605
Therefore, 52.605 family homes are sold
Say the reserve requirement is 20 percent. If you pay back a loan of $10,000 a bank had previously made to you, the act of paying back the loan:_______
a. adds $10,000 in bank reserves.
b. eliminates $2,000 in bank reserves.
c. eliminates $10,000 in bank reserves.
d. adds S2,000 in bank reserves.
Answer:
a. adds $10,000 in bank reserves.
Explanation:
Given that
Reserve requirement is 20%
Now if you want to pay back the loan of $10,000 so here the act of paying back the loan is that the amount of loan i.e. $10,00 would get added to the bank reserves
Therefore as per the given situation, the option a is correct
And, the same is to be considered
Thus, all the other options are incorrect
Crane Company sells 50000 units for $10 a unit. Fixed costs are $350000 and net income is $100000. What should be reported as variable expenses in the CVP income statement?
Answer:
Variable expenses = $50,000
Explanation:
Given:
Sales price = 50,000 x $10 = $500,000
Fixed costs = $350,000
Net income = $100,000
Find:
Variable expenses
Computation:
Variable expenses = Sales price - Fixed costs - Net income
Variable expenses = $500,000 - $350,000 - $100,000
Variable expenses = $50,000
Select the correct answer.
How can a business save on premium paid to insurance companies while also mitigating risk effectively?
A.
by covering all the risks that a business could face
B.
by having a higher deductible
C.
by choosing an unlicensed insurance agent
D.
by making sure no employees take risks in the business
Answer:
the answer is b
Explanation:
A project has an initial cost of $2,400. The cash inflows are $0, $1,600, $1,100, and $700 over the next four years, respectively. What is the payback period?
Answer:
It will take 2.73 years to cover the initial investment.
Explanation:
The payback period is the time required to cover the initial investment:
Year 1= 0 - 2,400= -2,400
Year 2= 1,600 - 2,400= -800
Year 3= 1,100 - 800= $300
To be more accurate:
(800/1,100)= 0.73
It will take 2.73 years to cover the initial investment.
When an oligopoly market reaches a Nash equilibrium:_______
a. a firm will have chosen its best strategy, given the strategies chosen by other firms in the market.
b. the firms will not have behaved as profit maximizers.
c. a firm will not take into account the strategies of competing firms.
d. the market price will be different for each firm
Answer:
Option A: A firm will have chosen its best strategy, given the strategies chosen by other firms in the market.
Explanation:
Oligopoly Market os simply a type of Markets with only a few sellers, each offering a product similar or identical to the others. if and when, how oligopolists do not have the opportunity to collude, once they have reached the Nash equilibrium, it it is always in their best interest to leave their quantities supplied unchanged.
Oligopolists are always best off, in terms of their profits brings about a total quantity of output that falls short of the Nash-equilibrium total quantity.
When an oligopoly market reaches a Nash equilibrium: A firm will have chosen its best strategy, given the strategies chosen by other firms in the market. Thus, option A is the correct option.
In a Nash equilibrium, each firm in the oligopoly has selected its optimal strategy, considering the strategies chosen by other firms. At this point, no firm can unilaterally deviate from its chosen strategy and improve its position.
Each firm is maximizing its own profit based on the actions of its competitors. This equilibrium is reached when all firms in the oligopoly have made their strategic decisions, and there is no incentive for any firm to change its strategy unilaterally.
Therefore, option A accurately describes the situation in a Nash equilibrium.
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Explain what the long- and short-term consequences are of not promoting equality or working to reduce poverty.
Answer:
The long and short-term consequences of not promoting equality or working to reduce poverty are:
1. the poverty gap widens, causing many more of the population to become poor while a few become richer.
2. extreme poverty becomes the norm, thereby hampering societal progress.
3. discrimination and social classes become oppressive.
Explanation:
Economic equality describes a situation that ensures that every individual in a society has an equal economic opportunity to make the most of their lives and talents by having some access to resources. Equality reduces discrimination among certain groups of the population, especially those with protected characteristics such as race, disability, sex, and sexual orientation. It ensures the fair distribution of natural resources among the population, according to their individual needs and capacity. It does not mean sameness in social or economic status.
The following are the long and short-term implications of failing to promote equality or act to alleviate poverty:
1. The wealth disparity increases, forcing many more people to fall into poverty while a few get wealthier.
2. Extreme poverty has now become the norm, stifling societal advancement.
3. Social stratification and inequality become oppressive.
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Several alternatives are under consideration to enhance security at a county jail. Since the alternatives serve different areas of the facility, all that are economically attractive will be implemented. Determine which one(s) should be selected, based on a B/C analysis using an interest rate of 7% per year and a 10-year study period.
Extra Cameras (EC) New Sensors(NS) Steel Tubing (ST) Access Control (NS)
First Cost, $ 38,000 87,000 99,000 61,000
M & O, $/year 49,000 64,000 42,000 38,000
Benifits $/ year 110,000 160,000 74,000 52,000
Disbenefits, $/year 26,000 21,000 32,000 14,000
Answer:
The only two projects that actually yield a positive benefit are extra cameras (EC) and new sensors (NS). Since you have to decide based on which project yields the highest return, then you should choose extra cameras (EC) since its IRR is 92% which is the highest.
Explanation:
we have to determine the NPV of each project:
Extra cameras:
initial outlay = -$38,000
net benefit per year (for the 10 year period) = $110,000 - $26,000 - $49,000 = $35,000
NPV = $207,825
IRR = 92%
New sensors:
initial outlay = -$87,000
net benefit per year (for the 10 year period) = $160,000 - $21,000 - $64,000 = $75,000
NPV = $439,768
IRR = 86%
Steel tubing:
initial outlay = -$99,000
net benefit per year (for the 10 year period) = $74,000 - $32,000 - $42,000 = $0
NPV = -$99,000
Access controls:
initial outlay = -$61,000
net benefit per year (for the 10 year period) = $52,000 - $14,000 - $38,000 = $0
NPV = -$61,000
The cost that varies depending on the values of the decision variables is a: ____________
a. dual cost.
b. sunk cost.
c. relevant cost.
d. reduced cost.
Answer:
The cost that varies depending on the values of the decision variables is a: ____________
c. relevant cost.
Explanation:
The relevant cost affects a decision outcome. It is not like the sunk cost, which is fixed in total, no matter the decision being made. A relevant cost is also known as a differential or incremental cost, because it makes a different under some decision alternatives. Relevant costs are important to consider whenever a business entity is making a buy or make decision. Relevant costs have their unit costs fixed while the total costs vary according to the alternatives.
What other factors, aside from cost, affect our personal purchase choices?
a) Other people's opinions of us
b) Our individual personality
c) Popular trends
d) All of these
Answer:
d
Explanation:
talk about your experience as a leader of a team at school?
Answer:
ehhh its pretty lame ngl
Explanation:
but its also fun lol
On January 1, Sustainable Energy Corporation issues bonds that have a $100,000 par value, mature in 8 years, and pay 12% interest per year. Interest payments are paid to bondholders semiannually on June 30 and December 31. How much interest does Sustainable Energy Corporation pay to bondholders every six months if the bonds are sold at par?
a. $1,200
b. $3,000
c. $6,000
d. $12,000
e. $100,000
Answer:
c. $6,000
Explanation:
The semiannual interest payable to bondholders every six months is computed using the semiannual coupon payment formula below:
semiannual coupon payment=face value*coupon rate*6/12
face value of the bonds=$100,000
coupon rate=12%
6/12 symbolizes a six-month payment
semiannual coupon payment=$100,000*12%*6/12
semiannual coupon payment=$100,000*6%
semiannual coupon payment=$6,000
The $6,000 would be every 30 June and 31 December for 8 years during the bonds' life
In the long run, with a floating exchange rate, changes in _____ will have an impact on the real exchange rate.
a. the U.S. money supply only
b. the foreign country's money supply only
c. both the U.S. money supply and the foreign country's money supply
d. neither the U.S. money supply nor the foreign country's money supply
Answer:
d. neither the U.S. money supply nor the foreign country's money supply
Explanation:
The main advantage of a floating exchange rate is that the real exchange rate is always balanced. This happens because the balance of payments is also balanced. E.g. if net exports start to increase, domestic currency will appreciate, resulting in higher domestic prices, which will balance the real exchange rate.
Mapping the network of primary trading partners is something that should be done to: _________
a. Review and establish supply chain strategies
b. Obtain point-of-sale information from customers
c. Help the firm decide which businesses to include in its supply chain management efforts
d. Assess and improve internal integration of key supply chain processes
Answer:
Option c: Help the firm decide which businesses to include in its supply chain management efforts
Explanation:
Mapping the network of primary trading partners helps us to dentify critical supply chain trading partners.
Mapping according to this question is the representation of the plan, it features and sometimes drawn. It gives one a broad understanding about the work/project at hand.
A decline in U.S. wealth would tend to cause: _____________
a. long-run aggregate supply to increase.
b. aggregate demand to increase.
c. short-run aggregate supply to increase.
d. long-run aggregate supply to decrease.
e. aggregate demand to decrease.
Answer: e. aggregate demand to decrease
Explanation:
A decline in U.S. wealth would tend to cause aggregate demand to decrease. Demand is defined as the amount of goods and services that one can buy at a certain price and at a given time.
When an economy is made up of wealthy individuals, the aggregate demand for that economy tends to increase due to the fact that such individuals have the purchasing power and hence can afford to buy whatever they want.
When there's a reduction in wealth, this will result into a reduction in aggregate demand as the people won't have much fund to make purchases like before.
An employer will do a 50% match on your investment to a 401k retirement plan. If you decide to contribute a monthly amount of $220, how much should be in the account after 15 years
Answer:
There will be $92,635.42 in the account after 15 years.
Explanation:
Missing question "The interest rate is fixed at 2.05%"
As the employer does a 50% match on the employee’s investment, the monthly contribution to the retirement plan will be = 2 * $220 = $ 440.
The future value (F) of an annuity is given by F = (P/r)[(1+r)n-1]
P is the periodic payment
r is the rate per period
n is the number of periods.
P = 440, r = 2.05/1200 and n = 15*12 = 180.
F = (440*1200/2.05)[ (1+2.05/1200)180 -1]
F = (528000/2.05)*0.359664042
F = 92635.4215493
F = $92635.42
Thus, there will be $92,635.42 in the account after 15 years.
Expenses and losses that are added back to net income because they do not actually use cash of the the company.
Answer and Explanation:
As we know that the expenses and losses contains the normal debit balance. At the time when they added back to the net income as they do not use the company cash so it would be shown in the non-cash charges or expenses as it is a non-cash expense because of not using the company cash
Therefore the same is to be considered
A machine which cost $400,000 is acquired on January 1, 2017. Its estimated salvage value is $100,000 and its expected life is five years.
Required:
Calculate depreciation expense and complete the following schedules for 2017 and 2018 for each of the following methods.
A. Straight Line Depreciation
B. Sum of the Years Digits
Answer and Explanation:
The computation of the depreciation expense for 2017 and 2018 under the following methods
a. Straight-line method
= (Purchase cost - residual value) ÷ (estimated life)
= ($400,000 - $100,000) ÷ (5 years)
= $60,000
Since the depreciation expense under this method would remain the same for the remaining useful life
So for 2017 and 2018, the depreciation expense i.e. $60,000 would be charged every year.
b. Under the sum-of-the-year-digits method
For 2017,
= ($400,000 - $100,000) × 5 years ÷ ( 5 + 4 + 3 + 2 + 1)
= $300,000 × 5 years ÷ 15 years
= $100,000
For 2018, the book value is
= $400,000 - $100,000
The $100,000 is the depreciation expense of 2017 year
= $300,000 × 4 ÷ 15
= $80,000
Behavioral economists contend that the traditional economic framework always accurately depicts human behavior. a. True b. False
Answer:
False
Explanation:
In simple words, Behavioral economics assume they have defined human actions as logical, constant self, and logically consistent which is inconsistent with the paradigm of individuals as mentioned in theories of traditional economics. Thus, from the above we can conclude that the given statement is incorrect.
Which is NOT a type of written communication used in the business world?
A. Letters and emails
B. Brochures and advertisements
C. PowerPoints and memos
D. All of the above ARE used in the business world
I'll mark Brainliest
Answer:
D) All of the above
Explanation:
This because, Letters and emails are written ways to communicate with co-workers, friends, & family, brochures and advertisements are ways to communicate your idea or business production to other people to see and buy, powerpoints are ways to show a visual of what your product is and present it in a professional manner., and memos are written messages to help you remember something that's you would later present or use during business.
WGU manufacturing receives an order for 2000 laptops. Karl, the production planner, realizes the company has no planned orders and has 1500 laptops on-hand. However, Karl has to keep a minimum of 1000 laptops on-hand at all times. Based on this information, what will the MPS reflect for the number of laptops to be produced?
Answer:
500
Explanation:
The computation of the MPS reflect for the number of laptops to be produced is shown below:
since it is mentioned in the question that there is a minimum of 1,000 laptop is on hand so here 500 should from inventory.
Therefore 500 should be produced for filling the order
Hence, the same is to be considered
Therefore the number of laptops to be produced is 500
1. Consider an economy with a population of 100,000 households. 60 percent of households reportan annual income of $25,000 ("low earners"), 30 percent of households report an annual incomeof $70,000 ("mid earners"), and 10 percent report an annual income of $110,000 ("high earners").(a)[2 pts]What is the total income earned by households in this economy?
Answer:
The total income earned by households in this economy is:
$4,700,000,000
Explanation:
a) Data and Calculations:
Household population = 100,000
Low earners = 60% with annual income of $25,000 each
Mid earners = 30% with annual income of $70,000 each
High earners = 10% with annual income of $110,000 each
60% of the population = 60,000 (100,000 * 60%) households
30% of the population = 30,000 (100,000 * 30%) households
10% of the population = 10,000 (100,000 * 10%) households
Total income earned by the households:
Low earners = 60,000 * $25,000 = $1,500,000,000
Mid earners = 30,000 * $70,000 = 2,100,000,000
High earners = 10,000 * $110,000 = 1,100,000,000
Total income earned in the economy $4,700,000,000
A bank issues 200 pesos, against which it holds assets of $40 cash, plus bonds worth 60 pesos. On backing theory principles, how many pesos will it take to buy $1?
Answer:
3.5
Explanation:
Calculation for how many pesos will it take to buy $1
Using this formula
Number of Pesos=Pesos issued by bank-Bond/Asset
Let plug in the formula
Number of Pesos=200 -60 /$40
Number of Pesos=140/40
Number of Pesos=3.5
Therefore the number of pesos it will take to buy $1 will be 3.5
Required: 1-a. Calculate the future value at the end of three years. (FV of $1, PV of $1, FVA of $1, and PVA of $1) (Use appropriate factor(s) from the tables provided. Round your answers to 2 decimal places.)
Answer: $2,398.55
Explanation:
The deposit at the end of year one would have been compounded by 2 years at the end of year 3. The second year deposit would have compounded by 1 year and the third year deposit would not have compounded at all.
The future value at the end of 3 years is;
= (500 * ( 1 + 11%)²) + (750 * ( 1 + 11%)) + 950
= $2,398.55
The question might not be the exact same but you can use this as a reference.
Under the liquidity premium theory the shape of the yield curve depends on:_________
a. the relative return of investments in common stocks versus investments in corporate bonds.
b. the size of the federal government's budget deficit.
c. government tax treatment of long-term versus short-term bonds.
d. the expected pattern of future short-term rates and the size of the term premium at each maturity.
Answer:
Option d: The expected pattern of future short-term rates and the size of the term premium at each maturity
Explanation:
Liquidity premium theory is simply said to be a form of or the interest rate on a long-term bond that will equal an average of short-term interest rates expected to be in existence/ Occurrence in the overall the life of the long-term bond plus a liquidity premium that answers(responsed) to supply and demand conditions for that bond.
Term structure is regarded or said to be the relationship between interest rates and the yeild to maturity, where risk of default is held constant.
Government patent regulations specify that investors will maintain exclusive legal rights for how long
Answer:
A limited time
Explanation:
Suppose a popular band decides to hold a free concert in its hometown. Admission is available on a first-come, first-served basis. This concert is an example of: multiple choice an artificially scarce good. a public good. a common resource. a private good.
Answer:
None but a rival goods.
Explanation:
Public goods means a product that cannot reduce the consumption of one person due to the consumption of other person. Providing a free concert is necessarily excludable because it is possible to charge entrance. Only a limited person can attend the concert, so it is a rival goods. The free concert is not a public goods none common resources and private goods
On July 1, 2008, Blitzer Inc. signed a one-year, 6% interest-bearing note payable for $5,000. Blitzer Inc. has a December 31 yearend. The amount of interest expense that should be reported in the 2008 income statement for this note (rounded to the nearest dollar) would be
Answer:
interest expense = $150
Explanation:
the journal entry to record accrued interest:
December 31, 2018, accrued interest from note payable
Dr Interest expense 150
Cr Interest payable 150
interest expense = principal x interest rate x time = $5,000 x 6% x 6/12 = $150
In the context of managing inventories in supply chains,__________is the time between placement of an order and its receipt.
a. The lead time
b. A time series
c. The changeover time
d. A time horizon
Answer:
a. The lead time
Explanation:
The lead time is the time that shows the difference between the time at which the process gets started and the time at which the process get finished. This can be reviewed in the manufacturing, supply chain management at the time when there is a prior processing, within processing and after processing
Therefore according to the given situation, the option a is correct
hence, all the other options are incorrect
=
What action would you recommend Silvio take with respect to the transfer pricing and sourcing problems with European plants?
Answer:
It is imperative to note that since the european plants cost of processing are getting higher with time , it could be given to other companies who could process it at a lower cost.
Silvio then needs to to get their cooperation and go with his team members to conduct a one-on-one negotiation to speed up the process and ensure more experience for members of his team.