If an individual wants to borrow money from a bank, the bank will evaluate their credit worthiness and assess whether or not they will be able to pay back the loan.
The following are some of the things that the bank will look at to determine if the individual will be able to honor their obligations: Credit score: A credit score is a number assigned to an individual that reflects their creditworthiness. If an individual has a credit score of more than 100, the bank will be more likely to approve their loan request, as a higher score indicates that they are a lower credit risk. Income: The bank will also look at the individual's income to determine if they will be able to make their loan payments.
They will compare the individual's income to their debt-to-income ratio to determine if they can afford the loan. This is the ratio of the individual's monthly debt payments to their monthly income. Collateral: The bank may also require collateral, such as a car or a home, to secure the loan. This provides the bank with some assurance that they will be able to recover their money if the individual defaults on their loan. History of repayment: The bank may check the individual's repayment history to see if they have any late payments or delinquent accounts.
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How much is a standard tip?
•10-15 percent
•15-20 percent
•20-25 percent
•25-30 percent
During the two years he has been working, Jeffrey has saved some money to buy a house. His parents have agreed to loan him part of the down payment, and he has started to look for a house he can afford. He discovered a great house that has two apartments in it. He has looked at all the information carefully, done his budget, and thinks he can afford the house because he will live in only part of it and will rent out the other half. If Jeffrey buys this house, lives in the apartment upstairs and rents out the apartment downstairs, which of the following is true?
Answer:
you have to give "the following"
English - Hey, so I'm starting a little business. I'm going to be customizing shoes. If you want a pair of shoes please tell me. I will be putting another post with photos of shoes I've customized.
Spanish - Oye, estoy comenzando un pequeño negocio. Voy a personalizar zapatos. Si quieres un par de zapatos, dímelo. Estaré poniendo otra publicación con fotos de zapatos que he personalizado.
Answer:
um it's been a wile !not to rush you but when you have time can you send s the link
Explanation:
income tax is an example of
Income tax is a typical example of a direct tax.
What is a direct tax?Income tax is imposed directly on the income of the individual or company. It takes into consideration the individual's or company's circumstances or level of income. As a direct tax, income tax can be based on any of these taxation systems: progressive, proportional, or regressive.
Thus, income tax is an example of a direct tax.
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At July 1, 2022, Landis Company sold the Ritter bonds for $3,090,000 immediate after receiving the interest payment. Assuming Landis Company has a portfolio of Available-for-Sale Debt Securities, what should Landis Company report as a gain(loss) on the bonds?
Answer:
76900
Explanation:
Fair Value of Ritter=3,180,000
Landis Purchased= 3,000,000
Rate = 8%
Time = 5 yrs
Bond sold = 3124,740
Rate = 7%
3,180,000- (3124,740 – 10,620 – 10, 980) =76900
.Others at work see me as assertive. need answers for application
Answer:
yes
Explanation:
It is an ability to defend your rights without hurting those of others. An assertive person, therefore, is the one who can express his emotions, needs, and opinions to others without being forceful in any way
If you pay the balance of your credit card bill before the due date, how much do you pay?
A. The full amount that you owe
B. The full amount you owe, plus a service fee
C. The full amount you owe, plus interest for the past month
D. The minimum payment on your bill
Answer:
If you pay the balance of your credit card bill before the due date, you would pay the minimum payment on your bill.
Explanation:
The benefits of paying your bill in the middle of the statement period include freeing up your line of credit and helping reduce the amount of interest you may pay. Paying your credit card bill in full before the statement closes means you shouldn't have to pay any interest, unless you have been paying down a balance over several months. Most credit card issuers give you a grace period during which you're not liable for paying interest, provided you pay your account in-full before the statement due date. If you pay your balance before the statement closes, you'll see a "payments" line on your statement, reflecting the amount that's been subtracted from your statement balance. Paying your credit card bill early frees up credit on your account - paying your balance in full causes your credit card limit to reset. When you make a credit card payment, the amount of your payment is automatically added back to your credit line, which can be especially useful helpful if you're getting close to maxing out your credit limit.
A customer has contacted you and expressed anger about the service provided by your company. During the call, you discover that another technician responded to the customer's original issue. In spite of the customer's tone, you remain calm. What should you do next?
Answer:
listen to the entire complaint
Explanation:
In the scenario being described, you should listen to the entire complaint. This will make the customer feel as though you are paying attention and listening/understanding her frustration and by doing so you might also acquire new information regarding the issue that was not previously shared to the other technician. Once the client has finished venting her anger and explaining the situation, only then should you begin to offer a solution.
Avelo incorporated had the following operated results for the past year. sales = $22,619 depreciation = $1,400 interest expense = $1,128 costs = $16,535. The tax rate for the year was 21 percent. What is the company's operating cash flow.
Avelo Incorporated's operating cash flow for the past year was $2,804.84. This means the company generated a positive cash flow from its operations, which is a good sign for the company's financial health.
To calculate Avelo Incorporated's operating cash flow, we need to use the formula: Operating Cash Flow = Sales - Costs - Depreciation +/- Changes in Working Capital - Taxes.
Using the given figures, we can calculate Avelo Incorporated's operating cash flow as follows:
Operating Cash Flow = $22,619 - $16,535 - $1,400 - $1,128 - ($22,619 - $16,535 - $1,400 - $1,128) x 21%
= $3,556 - ($3,556 x 0.21)
= $2,804.84
Therefore, Avelo Incorporated's operating cash flow for the past year was $2,804.84. This means the company generated a positive cash flow from its operations, which is a good sign for the company's financial health. Operating cash flow is a crucial metric for a company as it indicates whether the business is generating enough cash from its core operations to fund its ongoing expenses and investments. A positive operating cash flow also shows that the company has enough cash to pay dividends to shareholders, repay debt, and invest in growth opportunities.
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Which of the following statements is true about mortgages?
A. The adjustable mortgage has an adjustable term of years but
fixed interest rate.
B. The adjustable mortgage has adjustable rates over a set amount
of time.
C. The fixed mortgage has a fixed term of years but adjustable
interest rate.
D. The fixed mortgage has an adjustable interest rate over a set time.
The statement true about mortgage is B. adjustable mortgage has adjustable rates over a set amount of time.
A mortgage is basically a pact or agreement between the person who is providing a loan in the form of money and the person taking the loan in the form of money. It includes that if you fail to return the amount the lender has all the rights by which they can take away your property that you have submitted as a security deposit in form of property papers.
There are two types of mortgages on the basis of interest rates first is adjustable mortgages which has adjustable rates of interest through a fixed period of time. On the other hand is fixed mortgages which means there is a fixed rate of interest for a fixed period of time.
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using the LIFO method and the inventory list below, which of the following is the cost of goods sold during July?A. $1,050B. $1,750C. $1,550D. &1,450
The cost of goods sold during July using the LIFO method is $1,550.
The LIFO (Last-In, First-Out) method assumes that the most recently acquired inventory is sold first. To determine the cost of goods sold, we need to identify the cost of the inventory sold during July. Based on the LIFO method, the cost of goods sold consists of the cost of the most recent purchases. Given that no information about specific purchases or quantities is provided, we can assume that the cost of goods sold is determined based on the most recent cost of inventory.
It's important to note that without more specific information about the inventory purchases and quantities, we can only provide an estimate based on the options provided. The actual cost of goods sold may vary depending on the specific inventory transactions and calculations.
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What is an example of a general safety hazard?
poorly maintained equipment
contaminated water
blizzard
employee retaliation
Answer:
poorly maintained equipment
Answer:
contaminated water
Explanation:
if the water doesnt get boiled it will make you sick, contaminated water can make you sick easily so its a safety hazard
Private data about employees or customers is considered what type of information?
Answer:
Personal
Explanation:
Workers don’t start the job at the same time and don’t get paid at the same wage.
Which of the following organizations does NOT belong to the service sector? a. Ford Motor Company b. San Diego Zoo c. Southwest Airlines d. Costco.
Ford Motor Company does not belong to the service sector.
The service sector primarily encompasses businesses that offer intangible services rather than physical goods. Based on this definition, Ford Motor Company does not belong to the service sector as it is primarily engaged in the manufacturing and sale of automobiles, which are tangible products.
On the other hand, San Diego Zoo, Southwest Airlines, and Costco can be categorized as part of the service sector. San Diego Zoo provides entertainment and recreational services through its zoo exhibits and attractions. Southwest Airlines operates in the transportation industry, offering air travel services to passengers. Costco, as a membership-based retail company, provides a range of services to its customers, including wholesale merchandise, food services, and other member benefits.
While all the organizations mentioned may provide some level of customer service or support, Ford Motor Company's primary focus is on manufacturing and selling physical products, making it distinct from the service sector.
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Marked out of It has been estimated that safe aircraft carrier landings operate at about the 4.90 level, assume the 1.50 shift in the mean customary for Six Sigma applications. What DPMO does this imply?
The level of safe aircraft carrier landings is 4.9, and 1.50 is the standard deviation shift customary for Six Sigma applications.The DPMO of the safe aircraft carrier landings is approximately 999,316.
Aircraft carrier landings operate at about 4.9, which implies that approximately 99.99366 percent of the landings are free of defects. We must now apply the 1.50 shift in the mean customary for Six Sigma applications.
DPMO or Defects per Million Opportunities is a Six Sigma term used to calculate quality performance.
It determines the number of errors that occur per million opportunities. We must first calculate the Z-score to determine the DPMO.
The formula for calculating the Z-score is:
Z=(X-μ)/σ.
Here, X=4.9 and σ=1.50.
Assume a normal distribution, therefore, μ=0.
The Z-score is,
Z=(4.9-0)/1.50 = 3.2667.
We can utilize a standard normal distribution table to identify the area under the curve from the mean to the Z-score.
The DPMO can be calculated by multiplying this area by one million.
In this case, the area under the curve from the mean to the Z-score is 0.999316. Therefore,
DPMO = 0.999316*1000000 ≈ 999,316.
So, the DPMO of the safe aircraft carrier landings is approximately 999,316.
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In a perfectly competitive market, if the market price is $4, how many units will they sell if they charge $4?How many will they sell if they charge over $4? Will they make more profit if they lower their price? Why or why not?
Answer:
In a perfectly competitive market, if the market price for a single unit is $4, then the number of units sold would be 32.
Explanation:
A perfectly competitive market is defined as a market where there are no monopolies - something extremely rare in the real world. However, it is a good example to explain the rules and workings of supply and demand in the market. There are multiple sellers and purchasers in a perfectly competitive market. Sellers earn just enough profit to keep their place in the market. Any more and they would lose their foothold in the marketplace to another company.
If the sellers are capable of producing more, then they can sell more, thus increasing their output. In any case, the economic output would be zero because the price is tangent to the low point on the average total cost curve. The seller has no control over market price because the price is set at equilibrium.
wine and roses, incorporated, offers a bond with a coupon of 7.5 percent with semiannual payments and a yield to maturity of 8.16 percent. the bonds mature in 10 years. what is the market price of a $1,000 face value bond? multiple choice $1,461.51 $1,449.42 $955.47 $1,055.32 $1,506.05 question 2 of 10 total 2 of 10 mcgraw hill
Based on the bond coupon, the semiannual payments, and the yield to maturity, the market price of the bond can be found to be $955.47.
How to find the market price of the bond?The market price of the bond is the sum of the present value of the bond coupon payments and the present value of the face value of the bond.
The number of periods for the bond is:
= 10 years x 2 semi annual periods
= 20 semi annual periods
The periodic yield to maturity is:
= 8.16 / 2
= 4.08%
The coupon payment on the bond is:
= 7.5%/2 x 1,000
= $37.50
The present value of the coupons is:
= 37.50 x (1 - (1 + 4.08%)⁻²⁰) / 4.08%
= $506.05
The present value of the face value is:
= 1,000 / (1 + 4.08%)²⁰
= $449.42
The market price is therefore:
= 506.05 + 449.42
= $955.47
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30 POINTS!! WILL MARK BRAINLIEST!!!!!!!!!
1. You have recently been hired by a leading firm, which provides information management solutions to large corporations. As a new employee you have been issued a new computer, which you will use to conduct your work. In an effort to keep your new computer running efficiently, you have been asked by your employer to create a maintenance schedule. Your performance will be measured on your ability to create and implement this schedule.
2. Conduct an Internet search to locate sample computer maintenance schedules. Using the information you learned in the Maintaining Windows lesson and the sample maintenance schedules, create a maintenance schedule you will use on your new computer. The maintenance schedule should contain the following:
a. A list of maintenance tasks to be completed daily
b. A list of maintenance tasks to be completed weekly
c. A list of maintenance tasks to be completed monthly
d. A list of maintenance tasks to be completed annually
3. Submit your completed maintenance schedule to your instructor.
Answer:
d. a list of maintenance tasks to be completed annually
Tiffany's Dilemma Tiffany graduated from college and needed to decide where she wanted to work. She had several options. Her aunt Martha owned and operated a small business that she started about twenty years ago. Martha, an individual owner of her business, informed Tiffany that she could work for her. On one hand, Tiffany thought it would be a great opportunity to be able to work for her aunt, learn the business, and then run the business when her aunt retires. On the other hand, she also felt that she wanted something a little more challenging; a job where she could really use her education. Her other option would be to work for a company that a friend and her husband had started and jointly owned. It was a rapidly growing company with plenty of opportunity for advancement. However, Tiffany had some reservations about this choice because she was not sure she wanted to work for friends. Her last option was to work for a large retail company, headquartered in Maryland, which had s
Answer: that's a hard one lol let me try
Explanation:
one sec
The Cost of sales column total in the CRJ is posted to the debit side of the Cost of sales account and to the credit side of the Trading stock account in the General ledger. The reason for this:
A. When a sales transaction is realised, the original cost of the trading stock purchased must be recorded as an expense.
B. There is no profit made on the sales transaction.
C. We need to indicate that the Trading stock levels in the store have decreased. Cash has been received.
Option (a), The general ledger's trading stock account's credit side and the cost of sales account's debit side are both updated with the cost of sales column total from the CRJ. The justification for this is that when a sales transaction is accomplished, the original cost of the trading stock must be disclosed as an expenditure.
What appears in the Post Ref column of the general ledger account?Your account ledgers' post references provide the exact location in the journal, such as a page number or line number, where a transaction was recorded. The ability to rapidly compare the sub-ledger record for a given transaction to the original journal item will then be available to anybody looking at it.
What does a general ledger actually look like, and what transactions are recorded there?A general ledger is the name of the book or file that bookkeepers use to record all relevant accounts. The general ledger keeps track of five crucial accounting components: assets, liabilities, owner's capital, revenue, and costs. The transactions that first show in the journals are later updated in the general ledger accounts.
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what type of government action is part of fical policy
which of the following best illustrates the law of demand? an increase in income, resulting in increased purchases of big macs
The following statement does not illustrate the law of demand, as it describes an increase in purchases due to an increase in income, which is the opposite of the law of demand:
"An increase in income, resulting in increased purchases of Big Macs."
The law of demand states that, all other factors being equal, as the price of a good or service increases, the quantity demanded of that good or service decreases, and as the price of a good or service decreases, the quantity demanded of that good or service increases.
An example of the law of demand would be: "As the price of apples increases, the quantity demanded of apples decreases, and as the price of apples decreases, the quantity demanded of apples increases."
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Noriko analyzes ways to create and improve computer systems.
Boris helps people who are having difficulty using computers.
Lane writes code for operating systems.
Jewel tests software to identify problems.
Carla fixes and maintains databases.
Ignacio plans, organizes, and oversees information technology projects.
Answer:Brian uses ultrasound technology to create images of a patient’s liver and kidneys.
Nigel performs tests on a patient to get information about how his heart is working.
Krystal analyzes X-rays to determine whether a patient has a broken arm.
Explanation:
Answer:
A. B. F.
Explanation:
Edge
when choosing a fraud examination team, it is important to include as many parties as possible to ensure that all investigatory perspectives are covered. True or False?
True. When choosing a fraud examination team, it is important to include as many parties as possible to ensure that all investigatory perspectives are covered. This approach promotes a comprehensive analysis of the case and increases the chances of identifying fraudulent activities.
True. When forming a fraud examination team, it is essential to include various parties to guarantee that all investigatory perspectives are considered. This ensures that all aspects of the case are thoroughly investigated, and nothing is overlooked. A team with a diverse range of expertise can bring unique insights and approaches to the table, leading to a more comprehensive and successful investigation. Moreover, involving various parties can help mitigate any potential conflicts of interest and provide checks and balances to ensure a fair and impartial investigation. In conclusion, forming a robust fraud examination team with diverse investigatory perspectives is crucial to effectively detect and prevent fraud.
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If a company uses $1,510 of its cash to purchase supplies, the effect on the accounting equation would be:________
If a company uses $1,510 of its cash to purchase supplies, the effect on the accounting equation would be One asset increases $1,510 and another asset decreases $1,510, causing no effect.
The relationship between an entity's assets, liabilities, and owner's equity are represented by the basic accounting equation, often known as the balance sheet equation. It serves as the system's cornerstone for double-entry bookkeeping. The total debits and total credit for each transaction are equal.
There are three possible arrangements for the accounting equation:
Assets = Liabilities + Owner's Capital - Owner's Drawings + Revenues - Expenses. Owner's equity = Assets - Liabilities. Net Worth = Assets - Liabilities.The accounting equation makes sure that every entry in the books and records is verified and that each obligation (or expense) and its associated source, or each item of revenue (or asset) and its source, can be independently verified.
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A savings account that pays interest every 3 months is said to have a interest period. O A. monthly O B. quarterly O C. semiannual O D. daily
Answer:
probly A im not forsure
Explanation:
A savings account that pays interest every 3 months is said to have an interesting period quarterly. Thus the correct option is B.
What is a savings account?A fundamental kind of financial instrument that enables you to save your money and often earn a tiny bit of interest and utilize it at the time of Your emergency fund or savings for short-term goals is referred as a Savings account.
A savings account is considered to have semi-annual interest if interest is paid every six months. A quarterly fascinating period is said to exist in a savings account that pays interest every three months.
Similarly, A savings account that receives interest payments on a monthly basis is referred to as a monthly saving account, whereas a daily saving account receives interest payments on a daily basis.
Therefore, option B is appropriate.
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by ignoring the value of leisure time, how does national income accounting affect our well-being?
By ignoring the value of leisure time, national income accounting may underestimate our well-being.
National income accounting is a method used to measure a country's economic growth and well-being, based on indicators such as Gross Domestic Product (GDP). However, these measures do not account for the value of leisure time, which is an important component of overall well-being. By focusing solely on economic output and ignoring the value of leisure time, national income accounting may give an incomplete picture of a society's welfare. For example, a society with a high GDP may have a high level of economic activity but may also have a population that is overworked, stressed, and lacking in leisure time, which can negatively impact overall well-being. Therefore, it is important to consider other factors, such as leisure time and quality of life, when assessing a society's well-being and progress.
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Which of the following is one of the primary responsibilities of the federal judicial branch?
Answer:
to judge if laws made by the legislative branch are constitutional
Explanation:
Answer:
to judge the constitutionality of laws
Explanation:
The purpose of charging different prices to different groups of customers is to:.
The purpose of charging different prices to different groups of customers is to earn maximum profits.
What is price discrimination?Price discrimination is when the same product is sold at different prices to customers in different markets.
Types of price discrimination1. First degree price discrimination : here sellers charge each consumer at their willingness to pay in order to eliminate consumer surplus.
2. Second degree price discrimination : here firms offer different prices depending on the quantity purchased. e.g. giving discounts for bulk purchases.
3. Third degree price discrimination : firms charge different prices to different groups of customers. e.g. having a certain price for senior citizens, students.
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what is the difference between the preservation and installment
Answer:
Credit sales are typically of shorter duration and installment sales spread payments out over longer periods of time
Explanation:
please mark my answer as brainlist
Answer:
Explanation: An installment agreement requires the buyer of real estate to pay the seller the purchase price in installments over time; the buyer takes immediate possession of the property but the seller retains legal title as security until the buyer pays in full. An installment agreement can be a low-cost, flexible alternative to a traditional mortgage loan.