13. A lender estimates that the closing costs on a $312,500 home loan will be $12,500. The actual closing costs were 4. 5% of the loan amount. Determine if the closing costs were higher or lower than the estimate and by what percent. A. Higher by 0. 125% b. Higher by 0. 25% c. Lower by 0. 125% d. Lower by 0. 25%.

Answer:

B. Compacity

Explanation:

Answer:

Self control, leadership, dependability, attention to detail

Explanation:

The styles section for the general and operation managers lists are :

A work style is a style that is followed for the purpose of work and includes logical reasoning, detail-oriented and supportive, and ideal oriented style. The operations manager's style includes self-control, leadership, and dependability plus attention to detail during work.

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Answer:

If a large Number of Lakeview residents are questioned, about 44% of them will be Club fans.

Explanation:

Reporting the probability outcome of a singular observation are usually reported as stated above, that the probability of a random sample of Lakeview resident being a club fan is 0.44%. However from a long run relative frequency approach, it requires just more Than one random sample but a large number of samples being evaluated over time.

Hence to expresa as a long run relative frequency, it could be stated as ; report gathered from many Lakeview residents, about 44% of them are Club fans.

Answer:

$50

Explanation:

25% = 1/4

200 / 4 = 50

50*3=150, which is 25% off.

Answer:

c

Explanation:

this is right if what i think if correct

Answer:

c

Explanation:

When disputing items on your credit report with a credit reporting agency, it's important to ask specific questions in order to validate the accuracy of the disputed items. Here are some key questions to ask:

1. What proof do you have that this item is accurate?
2. Can you provide documentation to support the validity of this item?
3. Can you show me how this item was verified?
4. What is the source of the information that you used to validate this item?
5. Can you explain how this item is impacting my credit score?

By asking these questions, you can gather more information about the disputed items and potentially get them removed from your credit report.

When disputing items on your credit report, it's important to understand the process that credit reporting agencies use to validate the accuracy of the items. According to the Fair Credit Reporting Act (FCRA), credit reporting agencies must investigate disputed items and remove any inaccuracies within 30 days. However, in order to do so, they need to have sufficient proof that the disputed items are indeed inaccurate.

To help validate the accuracy of disputed items, here are some detailed questions that you can ask credit reporting agencies:

1. What proof do you have that this item is accurate? Credit reporting agencies should be able to provide documentation that supports the accuracy of the disputed item. This might include payment records, court documents, or other types of documentation.

2. Can you provide documentation to support the validity of this item? Similarly, you can ask credit reporting agencies to provide documentation that supports the validity of the disputed item. This might include proof of identity or proof of ownership.

3. Can you show me how this item was verified? Credit reporting agencies are required to verify the accuracy of disputed items. You can ask them to provide details about how they verified the item, such as by contacting the creditor or reviewing public records.

4. What is the source of the information that you used to validate this item? Credit reporting agencies should be able to provide information about the source of the information that they used to validate the disputed item. This might include the creditor, a collection agency, or another source.

5. Can you explain how this item is impacting my credit score? Finally, it's important to understand how the disputed item is impacting your credit score. Credit reporting agencies should be able to explain how the item is affecting your credit score and provide guidance on how to improve it.

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The correct answer to this open question is the following.

Although the question does not provide any context, references, or give options, we can say that if changes happen during September or October, the expenses you will be able to change most easily are according with the provisions projected in the annual plan, the budget, compared with the monthly expenses.

That is why a company has to elaborate on a good financial plan and overseeing the projections and true sales of the marketing and sales plan. This is important to take the proper control of expenses and revenues. Depending on the volume of sales during September and October, you can decide what kind of changes or adjustments to make in the following months.

Answer:

I would be able to change the variable expenses most easily. Such as food, clothing, and discretionary spending.

I could make the change by

Budgeting in October:

food from spending -$70 back to -$60

cut clothes off since I bought some already from -$40 to $0

budget my discretionary spending from -$60 back to -$40

This would increase my savings to $230

The invisible hand uses prices as a tool to guide economic activity. Prices take into account both the societal value of a good and the societal cost of producing the good.

What is the meaning of economic?

Economics is the study of scarcity and how it affects how resources are used, how commodities and services are produced, how production and welfare increase over time, and a wide range of other complicated concerns that are extremely important to society.

Farmers lower the price of the crop when corn production rises in order to sell more of their harvest. When there is an excess of supply compared to demand, such as the amount of grain required to feed the nation's population, output must be squandered, which costs farmers money.

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To constrain a bonus field to specific values of 250, 500, and 750, you should apply a discrete or categorical constraint.

A discrete or categorical constraint is used when you want to limit a field to a specific set of predefined values. In this case, the bonus field should be constrained to the values of 250, 500, and 750. By applying this constraint, any input or selection made for the bonus field must be one of these three specified values.

Applying a discrete or categorical constraint ensures that only the allowed values are accepted for the bonus field. It helps maintain data integrity and prevents input errors or unintended values from being entered.

Depending on the context and the system or software being used, there may be specific mechanisms or options to set up a discrete constraint for a field. This can be done through validation rules, dropdown menus, or other input methods that restrict the available choices to the specified values of 250, 500, and 750.

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Explanation:

Average 20 patients would be tipical Day for a doctor.

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Answer:

very important

Explanation:

money is a global income source for everyone. we all have different types but it is all still money. now say one country got rid of money and had people pay for stuff using other things. if china did that lots of different countries wouldn't be able to get stuff from there unless they had so much of that product they could just give it up.

The incremental life cycle model is suitable for projects in which changes can be incorporated with reasonable cost increases or acceptable time delays.

The incremental life cycle model is a type of software development model in which the project is broken down into small, incremental stages, each of which produces a working version of the software. The software is reviewed at the end of each stage, and changes can be made before moving on to the next stage.

This model is particularly suitable for projects in which changes can be incorporated with reasonable cost increases or acceptable time delays because it allows for flexibility and agility in responding to changing requirements. Since each stage produces a working version of the software, the development team can get early feedback and make adjustments as needed.

In contrast, other life cycle models, such as the waterfall model, are less flexible and do not allow for changes once a stage has been completed. These models are better suited for projects where the requirements are well-defined and unlikely to change.

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Answer:

Opening your own hair salon is a milestone for any hairdresser. You may be wanting to open a salon so that you are self-employed. You may also be wanting to provide your own clients with services that align with your vision of what a hairdressing experience should be. However, opening a hairdressing salon is a big responsibility, even if you have previous experience in the hairdressing industry.

One of the most important things you will need to consider when planning to open a hairdressing salon is how to structure your business. Your business structure is the legal framework of your business. It has the potential to reduce your exposure to financial risk and enable flexibility for growth. The wrong business structure for a new business may be costly and may not be suited to your business goals. This article considers four popular business structures and their suitability for hairdressing businesses.

1. Sole Trader

If you are starting a hairdressing salon on your own or are wanting to freelance, you may choose to operate as a sole trader. As a sole trader, you will have full control and autonomy of the running your business. This structure is usually relatively easy and cheap to set up. It also has minimal legal formalities.

To set up as a sole trader, you will need an Australian Business Number (ABN). If you intend to trade under your own name, then you don’t need to register a business name. However, if you plan to operate under a different name, you simply need to register a business name with the Australian Securities and Investments Commission (ASIC).

Although it has an easy setup, this structure does come with risk. If any of your clients sue you or you incur any debts, you will be personally responsible. This means that if you can not repay these debts from the funds of the business, you will have the repay the debt from your own personal finances.

Also, as a sole trader, you have limited resources available to fund the growth of your business. You will need to rely on:

personal savings;

loans; and

business profits.

You cannot raise funds from the general public. Being a sole trader may also not be the most tax-effective decision. This is because a sole trader is liable to the same tax rate applicable to individual taxpayers on income earned. You should check this with an accountant or tax lawyer.

2. Partnership

If you plan to open your hairdressing salon with one or more business partners, you may choose to enter into a partnership. Similar to a sole trader, the setup is simple and has minimal upfront costs. You will require an ABN for the partnership and most partnerships also register a business name.

It is also important for the partners to enter into a partnership agreement. This agreement governs the relationship between partners and sets out key terms, which may describe:

how the business will be managed;

how the profits will be shared;

who will fund the partnership;

how you or your partners can sell your share in the business; and

the process for managing disputes.

However, setting up a partnership also comes with risks. Like a sole trader, if someone sues you or you go into debt, your personal assets and finances will be at risk.

Additionally, partnerships involve joint liability. Therefore, you may be personally liable for business debts owed by any of the other partners. The amount owed is not divided proportionally according to your percentage of ownership in the business, so you could be responsible for paying the entire amount.

Like a sole trader, you cannot raise funds from the general public to fund the growth of your business. You will need to rely on:

the savings of each partner;

loans; or

business profits.

However, unlike a sole trader, you can look to bring on more partners to increase the pool of funds available for the business.

3. Company

Whether you are operating your hairdressing salon on your own or with other business partners, you may decide to operate as a company. A company is a separate legal entity. This means it is capable of suing and being sued. It also holds assets in its own name and can enter into contracts in its own name.

There are two key players involved in the management of a company. These are shareholders and directors. As the founder of your business, you will usually be both a shareholder and a director of the company that you establish. Any other business partners may also take on these roles.

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The golden company had the following accounts and balances at the end of the year. Accounts Payable $18,000 are total assets at the end of the year.

The assets is a set of collection like stock, gold etc, which has the chance to increase the price of the current market-price.

The accounts payable is the amount that transact after the selling of the gold products. It can include the depositing funds, and card transaction. The importance of asset is basically give strong impact on the IPO time, more investor can invest in the business if they have more assets.

The more assets reflects the good image of the business or company and show it is financially well and earn profitable by the selling more goods or services.

The Accounts Payable $18,000 are total assets at the end of the year.

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Recording, classifying, and summarizing economic events in a logical manner for the purpose of providing financial information for decision making is commonly called accounting.

Accounting is a fundamental process in business and financial management. It involves systematically recording financial transactions, classifying them into appropriate categories, and summarizing the information to create financial statements such as the income statement, balance sheet, and cash flow statement. These financial statements provide a snapshot of a company's financial performance, position, and cash flows, enabling decision-makers to analyze and make informed decisions about the organization's operations, investments, and financial strategies.

While auditing, economics, and finance are related disciplines, each has its own distinct focus. Auditing involves examining and evaluating financial records and statements to ensure accuracy, compliance, and reliability. Economics studies the production, distribution, and consumption of goods and services within an economy. Finance, on the other hand, focuses on managing financial resources, investments, and the financial aspects of decision making. However, accounting serves as the foundation for providing the necessary financial information in these areas.

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The right response is I discovered the importance of preparation after enduring those dreadful hours in the desert.

In general, the conclusion should include any last thoughts and a summary of the text's information. In the case of personal tales, it is typical for the author to include a final perspective on the experience described, particularly the influence that it may have had, whether positive or bad. The only option that refers back to the experience described and states a positive aspect or lesson this experience led to is the sentence that should be added to make this conclusion better in this situation: "After surviving those miserable hours in the desert, I learned the value of being prepared."

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Coming to a school activity after participating in happy hour with colleagues is not an example of a violation of professional ethics.

Professional ethics encompass the personal and corporate standards of behaviour expected of professionals. The word professionalism originally applied to vows of a religious order. By no later than the year 1675, the term had seen secular application and was applied to the three learned professions, they are divinity, law, and medicine. The term professionalism was also used for the military profession around this same time.

Professionals and those working in acknowledged professions exercise specialist knowledge and skill. The use of this knowledge should be governed when providing a service to the public can be considered a moral issue and is termed professional ethics. It is capable of making judgments, applying its skills, and reaching informed decisions in situations that the general public cannot because they have not attained the necessary knowledge and skills.

One of the earliest examples of professional ethics is the Hippocratic oath to which medical doctors still adhere to this day.

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Industrialization and Market Expansion, Regulation and Government Intervention, New Deal Policy and the Welfare State Capitalism in America has changed over time.

The emphasis on free market principles is the source of continuity.

American capitalism has a long history of fostering innovation and entrepreneurship. The country was a hotbed of technological progress, scientific discoveries and the emergence of new industries. This spirit of innovation remains a key driver of economic growth and dynamism.

The United States offers a business-friendly environment with a strong legal system, protection of intellectual property rights, access to capital markets, and a culture focused on risk-taking and business success. This contributes to the attractiveness of the country for local and foreign entrepreneurs.  

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The correct question is :

How has American capitalism changed over time? Are there any sources of continuity?

We must first determine the firm's total assets before we can determine the  annual sales. The overall debt ratio might be used for this. The annual sales for the firm are $3,105,000.

We must apply the total debt ratio method in order to get the company's annual sales:

Total Debt Ratio is calculated as Total Debt / Total Assets

To solve for Total Assets, we can rearrange this formula as follows:

Total Debt / Total Debt Ratio = Total Assets

The overall debt is $414,000, and the total debt ratio is 0.4, as far as we are aware. When these values are added to the formula, we obtain:

Total Assets is equal to $1,035,000 divided by $414,000

Now, we can calculate the annual sales using the asset turnover formula:

Sales / Total Assets equals asset turnover.

We are aware that the total assets are $1,035,000 and that the asset turnover is 3. When these values are added to the formula, we obtain:

3 = Sales / $1,035,000

Solving for Sales, we get:

Sales = 3 x $1,035,000 = $3,105,000

Therefore, the annual sales for the firm are $3,105,000.

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The foot-in-the-door technique is the persuasion approach that involves encouragment of person to agree to a small favor only to later request a larger favor.

This is an approach that involves assuming to agreeing to a small request that increases the likelihood of agreeing to a second or larger request.

In conclusion, this persuausive approach is a technique majorly used by salespeople to persuade sceptical customers.

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Answer:

1st one

Explanation:

Answer:

C. Because  it shows lack of honesty

Organizations that emphasize the behavior of their employees rather than the processes and procedures involved are aiming to cultivate a culture or group of individuals focused on "organizational behavior" or "behavioral culture."

Organizations that prioritize the behavior of their employees over processes and procedures are typically aiming to foster an organizational culture that values and emphasizes the actions, attitudes, and interactions of its employees. This focus on behavior acknowledges that the way employees behave and interact with each other, customers, and stakeholders can significantly impact the organization's overall performance and success.

By emphasizing employee behavior, organizations seek to create a positive work environment that promotes collaboration, teamwork, effective communication, adaptability, and innovation. They recognize that employee behavior is a key driver of productivity, customer satisfaction, and overall organizational effectiveness.

Rather than solely relying on strict adherence to processes and procedures, these organizations prioritize aspects such as individual and team dynamics, emotional intelligence, ethical decision-making, leadership qualities, and employee engagement. They encourage employees to demonstrate desirable behaviors, such as taking ownership, being proactive, embracing change, practicing effective conflict resolution, and continuously learning and improving.

Cultivating a behavioral-focused culture involves setting clear expectations for behavior, providing training and development opportunities, implementing performance management systems that assess and reward desired behaviors, and fostering open communication channels where employees feel empowered to express their ideas, concerns, and feedback.

By nurturing a culture that emphasizes behavior, organizations aim to create a positive and engaging work environment that drives employee satisfaction, retention, and ultimately contributes to the organization's overall success.

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Understanding your target market and its requirements is crucial when growing a brand.

You can evaluate the viability of your expansion plans and find areas of potential by conducting market research. In order to grow a brand, franchising is one option. This enables you to swiftly increase the reach of your brand by utilizing the knowledge and resources of franchisees.

Yet it's crucial to have a solid franchise structure in place, with instructions and assistance for franchisees.

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The net income in the

We have 4000 * 100 = 400000

direct materials = 15 x 4000 = 60000

direct labor = 25 x 4000 = 100000

Variable overhead = 5 x 4000 = 20000

fixed overhead = 34,000/5000*4000 = 27,200

Gross profit = 400000 - 60000 - 100000 - 20000 - 27200

= 192800

The selling expense = $4*4000 =  16,000

The administrative expenses = 20,000

net income = 192800 - 16000 - 20000 = 156,800

The absorption costing is $156,800

Sale = 4000 x 100 = 400000

variable cost = 15 + 25 + 5 + 4 * 4000 =  49 * 4000 = 196000

fixed cost = 34,000+20,000 = 54,000

The net income = 400000 - 196000 - 54000 = 150,000

Hence the net income under absorption is $156,800

The net income under variable costing is $150,000

3. Reconciliation

= 150000 + (34000 / 5000 * 1000)

= 150000 + 6800

= $156800

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Answer:

a supply chain managers. thanks

Answer:

No, the phone will not be repaired.

Explanation:

The warranty states that if your phone stops working within a year of the original purchase, it will be repaired, but Vanessa bought the phone 18 months ago, which is a year and a half.

So no, the phone will not be repaired under warranty.

Answer:

No

Explanation:

The warranty is for one year only from the date of purchase.

Answer:

your answer is C I am not 100% sure

Pedicurist>child care worker>cosmetologist>real estate worker ranks careers based on their percentage of self-employment from lowest to highest. The correct option is C.

There are a lot of self-made millionaires because business ownership is crucial for accumulating and protecting significant wealth. Millionaire businesses are typically in uninteresting sectors of the economy like consulting, real estate development, auto parts, and others that are not atypically vulnerable to recessions.

Nail technicians who specialize in grooming fingernails and toenails on the hands and feet are known as manicurists and pedicurists. A common service entails soaking the client's hands or feet to soften the skin and remove artificial nails and dead skin cells.

Thus, the ideal selection is option C.

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Answer:

C. $3,500

Explanation:

The formula for a straight-line method of depreciation is provided  below:

annual depreciation charge=(cost-salvage value)/useful life

cost of the new truck=$42,000

salvage value=$0

useful life=7 years

depreciation=($42,000-$0)/7=$6,000( same as given in the question)

The truck was used for 7 months in the first year ended, from June 1 2019 to December 31 2019

Depreciation for the first year=$6000*7/12=$3,500