what might prevent borrowers from taking oput loans even iof the central bankl lowers intereet rates to 0

Answers

Answer 1

The prime reason behind this is the negative interest rates. An uncommon and ostensibly paradoxical tool for monetary policy is the use of negative interest rates.

When central banks worry that their country's economies are entering a deflationary spiral, in which there is no spending and hence no money being made, prices decrease, there are no profits, and there is no growth.

The goal is to encourage lending and spending rather than saving and hoarding, so cash placed at a bank earns a storage fee rather than the chance to generate interest income.

Despite never having implemented negative interest rates, the Federal Reserve, the nation's central bank, has come close with rates that are close to zero, most recently on March 15, 2020, when it lowered the benchmark interest rate to a range of 0%-0.25%.

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Related Questions

4. Determine the importance of environment conservation from the business viewpoint​

Answers

Answer:

Economic expansion is not what is causing the climate crisis; rather, the lack of effective public policy meant to lower greenhouse gas emissions is to blame. As long as regulations are in place to limit the environmental effects of the goods and services we produce and use, there is no conflict between capitalism and environmental protection. With those regulations in place, consideration for environmental sustainability can and will be factored into every decision made by the private, nonprofit, and governmental organizations from which we all benefit.

The sustainability of the environment is not affected in the same way by all consumption patterns. The emergence of more sustainable lifestyles can be seen in consumption trends. Young Americans, for instance, don't seem as interested in buying cars as their parents and older siblings did. The advancement of the mobile phone has made ride-sharing, bike-sharing, and other transit options possible.

However, taking an Uber or driving your own car are both considered economic activities for the purposes of calculating GDP. These consumption patterns are typically not the subject of policymaking because they are quite influenced by shifting social norms than by governmental action. The only exceptions might be behavior that directly harms other people, like drinking and driving or smoking in public. New technologies can also lessen the impact of consumption on the environment.

Ironically, some environmentalists and some deniers of global warming share the view that environmental protection and economic growth must be compromised. Both can and must be done. Because most people in the developed world enjoy their way of life and won't give it up, we cannot stop investing in economic development. Environmental advocates will fail politically if they make such a request.

Explanation:

Political and business leaders may not care if economic growth harms the environment, and environmentalists may disagree, contending that neither economic growth nor environmental harm can coexist.

Even by itself, environmental protection promotes economic expansion. The air pollution control technologies we install on power plants and automobiles are made and sold by a third party. Additionally, environmental amenities are valuable.

In general, progressives differed from labor and farm advocates because the progressives:________

Answers

In general, progressives differed from labor and farm advocates because the progressives were mostly middle-class urban reformers.

What are progressives?

Progressives advocate for increased social and economic equality as well as advancement in feminism and homosexual rights. They also support government-run social programs, and they want social movements to have more influence in the US.

What philosophies did Progressives hold?

Progressives were those who supported the notion of human advancement and the virtues of democracy. They believed that society should be built on the idea of human rights and that it is the responsibility of the state to ensure the wellbeing of its citizens.

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in a partnership, loans taken out by the general partners question 2 options: are null and void. are binding on the limited partners. aren't a liability of either the general or limited partners aren't binding on the limited partners.

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In a partnership, loans taken out by the general partners are not a liability of either the general or limited partners and aren't binding on the limited partners.

In a partnership, the general partners have the authority to borrow money on behalf of the partnership. However, the legal liability for the partnership's debts and obligations rests with the partnership as a separate entity, not with the individual partners.

This means that loans taken out by the general partners are not the personal liability of either the general or limited partners. The general partners are personally liable for the loans they take on behalf of the partnership, while the limited partners are not. Limited partners generally have limited liability, meaning their liability is restricted to the extent of their capital contributions to the partnership.

The limited partners are not bound by the loans taken out by the general partners unless they have explicitly agreed to assume personal liability for the partnership's debts. Otherwise, the loans remain the responsibility of the general partners and do not impact the limited partners' personal liability or financial obligations.

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1. What PECs must she possess if there are customer who complain about the quality of her product???

a.patience
b. hardworking
c. versatile
d. all of the above

2.which of the following is not considered as a characteristics of an entrepreneur??

a.copes with failure
b. dependent
c.persistent
d. opportunity seeker

3.If she wants to ensure a profitable business operation, what characteristics will she maintain??

a.commitment
b.goal oriented
c.futuristic or future oriented
d. opportunity seeker

4.Mrs. Magno follows the advice of a friend to be flexible especially if she intends to open a retail business.
What PECs has been demonstrated by mrs. magno??

a.self confidence
b. reliable and has integrity
c.responsive to feedback
d. persistent

5.She tells mary , her best friend that she has a strong will and does not give up to find a solution to a business problem.
What PECs has been demonstrated by Mrs.Magno

a. hard work
b. persistence
c. self confidence
d. risk taking


Please I need help ​

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which of the following statements is a bottom-line statement

Answers

Answer:

The strong demand in Bigtown would make opening a new salon feasible

Explanation:

Answer:The strong demand in Bigtown would make opening a new salon feasible

Explanation:

What is complementary cumulative normal distribution function?

Answers

The complementary cumulative normal distribution function is a statistical function that calculates the probability that a random variable will have a value greater than a specified value. In other words, it is the complement of the cumulative normal distribution function, which calculates the probability that a random variable will have a value less than or equal to a specified value.

The formula for the complementary cumulative normal distribution function is:

F(x) = 1 - Φ(x)

Where F(x) is the complementary cumulative normal distribution function, and Φ(x) is the cumulative normal distribution function.

In practical terms, the complementary cumulative normal distribution function is used to calculate the probability that a random variable will fall within a certain range.

For example, if we want to calculate the probability that a random variable will have a value greater than 80, we would use the complementary cumulative normal distribution function to find the probability that the variable will have a value less than or equal to 80, and then subtract that probability from 1 to find the probability that the variable will have a value greater than 80.

The complementary cumulative normal distribution function is an important statistical tool that is used to calculate the probability that a random variable will have a value greater than a specified value.

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What are 3 things you need to be successful at work?

Answers

The three things which are required to be successful at work include critical thinking, adaptability, and excellent communication skills.

Self-reliance is a crucial ability at a time when the idea of a profession and the workplace are changing. You must be able to think critically for oneself in a practical and meaningful way since critical thinking is self-directed and self-disciplined.

Most workers and students regularly negotiate rapidly evolving technologies. This usually creates new situations while finally making life easier. A good example of this is how many companies use modern technology to expand internationally. As a result, top-tier companies encourage remote work among their employees and completely embrace the Digital Age.

Both outside and online, effective communication is crucial. The future generation will need to thrive in these, and occasionally this will mean taking the initiative in the dialogue. As was already discussed, there can be unique situations to deal with, including crucial team members who are dispersed across the country.

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Which statement would be MOST important to include in a summary of the section "Karl Marx"? Marx theorized that capitalists would try to get more work from people for less pay. Marxism is more durable as a critique of capitalism than as a system for governing. Marx's idea about communism influenced the Russian Revolution in 1917. Marx thought that machines would make life dull and repetitive.

Answers

The most important claim about Karl Marx would be the theorizing that capitalists would try to get more work from people for less pay.

Who was Karl Marx?

He was a German philosopher who developed the foundations of communism, a system that criticized capitalism and its doctrines. His most prominent theories are about the transition to communism, the class struggle, the Marxist theory of ideology and surplus value.

Therefore, the correct option for the question refers to surplus value, which was defined for Karl Marx as the difference between the value of the work produced by employees and their salary paid. For him, the surplus value is the work produced and not paid, being a condition of exploration of the capitalist system.

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REALTORS®: a. protect and promote the interests of their clients. b. treat all parties honestly. c. promote their interests over their clients' interests. d. A and B only.

Answers

Considering the available options, Realtors are known to have various functions, including options A and B only.

Functions of a Realtor

Generally, Realtors are known to perform many responsibilities, including the following:

Protect and promote the interests of their clients. Treat all parties honestly.Create a real estate contract.Rent, sell or buy properties for clients, etc.

Hence, in this case, it is concluded that the correct answer is option D. "A and B only."

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If Julie spends the weekend working, should she later initiate an executive discussion of the bank’s espoused values and principles in regard to issues of work–life balance for their employees? Support your position.

Answers

Answer:

Yes she should.

Explanation:

Julie should initiate an executive discussion of the bank's values and principles that support issues of work life because according to the above scenario, she has been at work during weekends hence does not have time for her family. While everyone knows that family comes first, the issue of work life balance must be taken seriously because asides the time for annual vacation, the only other time she has for her family is on weekends.

Julie should inform them of how hardworking she has been and working on weekends means she will no longer have time for her family hence could drift them apart. Also, she should explain how she value her life hence needed to also rest on weekends. Where all of theses discussions are not acceptable by the management or they rather insisted she works on weekends, then she might have to call it quit, which shows that the management does not stay true to their commitment on issues of work life balance for their employees.

Why is fashion designer Kira's Plasinina father important

a. He is a businessman who helped her achieve her goals .

b. He liked her drawings .

c. He funded her ventures.

d. He was her inspiration

Answers

d . he was her inspiration

Someone who is __________ can recover from disappointments quickly.

A.
exciting

B.
flexible

C.
resilient

D.
intelligent

Answers

Answer:
C. resilient

Explanation:
Resilient definition is able to withstand or recover quickly from difficult conditions.

What factor reflects the ‘cost of money’? The ‘cost of money’ is reflected in the

Answers

Production opportunities, time preferences for consumption, risk, inflation.

What are the factors of production in economics?

Answers

These are the factors of production in economics:

LandLaborCapitalEntrepreneurship

The factor of production is resources that are what people or companies use to produce goods and services.

The factor of production in economics:

Land: natural resources used to produce services and goods including everything that comes from the land. Examples: water, oil, natural gas, forest, etc. Labor: efforts that people do to produce services and goods. Capital: tools, buildings, money, and machinery that are used to produce goods and services.Entrepreneurship: a person who can combine and use 3 other factors of production to produce goods and services.

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Which of the following is the major means to signal good quality of goods by firms?
a. sales
b. advertisement
c. warranties/guarantees
d. both sales and advertisements

Answers

The major means to signal good quality of goods by firms is through warranties/guarantees. These are promises made by the company to the customer that their product is of good quality and will perform as advertised.

Warranties/guarantees provide a sense of security to the customer as they know that if the product fails to meet their expectations, they can return it for a refund or repair. This helps to build trust between the customer and the company, leading to customer loyalty and repeat business.

Sales and advertisements can also be effective in promoting the quality of goods, but they are not as reliable as warranties/guarantees. Sales may be a temporary promotion, and advertisements can be misleading or exaggerated. Therefore, companies should focus on providing strong warranties/guarantees to signal good quality of goods.

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6. automatic stabilizers which of the following are examples of automatic stabilizers? check all that apply. as corporate profits rise during an economic expansion, corporate income tax revenues rise. as unemployment falls during an expansion, unemployment insurance payments decline. in response to the 2008 recession, congress approved billions of dollars of additional spending on public infrastructure projects. in 1968, congress enacted a temporary 10% increase in personal income tax rates in response to an inflationary gdp gap.

Answers

The examples of automatic stabilizers are: - As corporate profits rise during an economic expansion, corporate income tax revenues rise. - As unemployment falls during an expansion, unemployment insurance payments decline.

Automatic stabilizers are economic policies that automatically help stabilize an economy without any explicit intervention by the government. Based on your question, the following examples are considered automatic stabilizers: 1. As corporate profits rise during an economic expansion, corporate income tax revenues rise. 2. As unemployment falls during an expansion, unemployment insurance payments decline. The other two examples mentioned are not automatic stabilizers because they require explicit government intervention (additional spending on public infrastructure projects and the temporary increase in personal income tax rates). As corporate profits rise during an economic expansion, corporate income tax revenues rise.

As unemployment falls during an expansion, unemployment insurance payments decline.

So the correct answers are:

As corporate profits rise during an economic expansion, corporate income tax revenues rise.

As unemployment falls during an expansion, unemployment insurance payments decline.

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Consider the following scenario. Suppose that the reserve requirement is 20%, and Leroy deposits a $1,000 of cash that he received as a graduation gift in his checking account. Suppose the bank holds an additional 1% of all deposits as an excess reserve. How much does the monetary base change?
A. $0
B. $1000
C. $800
D. $4761.91

Answers

Answer:



Your answer would be c

which firm has done an excellent job of managing their marketing mix and creating loyal customers who do not need to be pressured into paying high prices for their products?

Answers

The Apple company has done a great job of controlling their marketing mix and building a base of devoted clients who do not need to be forced to pay exorbitant rates for their goods.

Excessive, extravagant, extreme, immoderate, and inordinate are some popular synonyms for exorbitant. Exorbitant denotes a deviation from established standards regarding amount or degree, even if all of these words have the same meaning of "reaching beyond a reasonable limit." The Latin term exuberantem, which means excess, is the root of the English word exuberant. Exorbitant refers to something that is overpriced, has an irrationally high price, or is extravagant. Exorbitant is an adjective. Exorbitance is a noun form, and exorbitantly is an adverb. When you use the word "exorbitant" to describe a cost or fee, you are highlighting the fact that it is significantly greater than it should be. A severe lack of affordable housing for the poor has been brought on by skyrocketing housing costs. Synonyms: over the top, pricey, and extreme Additional Exorbitant Synonyms.

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WILL MARK BRAINLIEST

Etiquette Inc. earns $150,000 as income from services in a particular accounting period. The company's operating expenses for this period are
$35,000. What is the company's net income?

The net income Etiquette Inc. earns is $______.

Answers

Answer:

$115,000

Explanation:

150,000-35,000

Kyle failed to make his payment by the first of this month. Kyle’s monthly payment is currently $1,200. If Kyle decides to split the missing payment into two parts and pay it over the next two months, which of the following statements is false? a. Kyle will be reported to a credit agency. B. Kyle will be charged a $75 late fee for the missing payment. C. Kyle has one business week to inform his bank of the late payment. D. Kyle’s monthly payments for the next two months will remain $1,200.

Answers

Based on the fact that he missed his monthly payment, it is false to say that D. Kyle’s monthly payments for the next two months will remain $1,200.

What happens when Kyle misses payment?He will be reported for this default to a credit agency. He will incur penalties which will be added to future payments.

This means that his payments in the next two months will not be the same as the current month of $1,200 but will rather increase based on the penalty charged.

In conclusion, option D is correct.

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Answer:

D

Explanation:

you have been invited to participate in a project to design a new ATM for ACME Sdn Bhd. ACME is the leading supplier of ATM machines for banks in Southeast Asia and their ATM machine is known to be the most reliable with little to no known fault and requires very little maintenance. At the project kick off meeting, the sponsor of the project at ACME briefed the team and, due to your engineering background, you were appointed as the design lead! At the first meeting with the team, after everyone have introduced themselves, Johnny, a designer who had recently graduated from the world-famous Northumbria Design School and is known for a number of award winning designs in Europe and Japan while he was a student at Northumbria, asked what design process you would adopt for the project. He is very keen to learn the design process from an engineering perspective. How would you start the project? What would your initial priority be? And why is this priority important? What tool(s)/technique(s) will you employ?

Answers

As the design lead for the new ATM project at ACME Sdn Bhd, my initial priority would be to gather comprehensive requirements from stakeholders and understand the needs of the users and the business.

This step is crucial because it lays the foundation for the entire design process and ensures that the final product meets the expectations and goals of ACME and its customers.

To achieve this, I would employ various tools and techniques such as interviews, surveys, and focus groups to engage with stakeholders and gather their insights and feedback. This approach would allow us to gain a deep understanding of user requirements, pain points, and preferences, which would inform our design decisions.

Starting the project by gathering comprehensive requirements is essential for several reasons. Firstly, it enables us to identify and address any specific needs or challenges faced by ACME or its customers.

By engaging with stakeholders, we can gain insights into their expectations, preferences, and pain points, ensuring that the new ATM design effectively addresses their needs.

Secondly, understanding the business goals and objectives is crucial to align the design with the strategic direction of ACME. By incorporating the business requirements, we can create a design that not only meets user needs but also contributes to ACME's success and competitiveness in the market.

To gather requirements, various tools and techniques can be employed. Interviews with stakeholders, such as representatives from ACME and potential ATM users, allow us to have in-depth conversations to uncover their specific requirements and expectations.

Surveys can be conducted to collect quantitative data and opinions from a larger user base, providing valuable insights into user preferences and patterns. Focus groups can be organized to facilitate group discussions and gather diverse perspectives.

These methods, combined with observation and analysis of existing ATM usage patterns and feedback, provide a comprehensive understanding of user needs and guide the design process effectively.

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Yesterday, you paid Bruce's Office Machines $250 for Office Repairs with check number 517. You recorded the check in QuickBooks Bruce's dog ate the check, and you need to replace it
What should you do in QuickBooks?
Create a reversing journal entry for the original check, debiting accounts payable and crediting the credit card.
B Use the Bounced Check feature to reverse the check, then create a new check to Bruce with the original details.
C. Enter a bill for the amount of the original check, then pay the bill using a new check.
Void or delete the original check, then create a new check to Bruce with the original details.

Answers

D) The correct option in QuickBooks would be Void or delete the original check, then create a new check for Bruce with the original details.

When a check is lost, damaged, or needs to be replaced, the appropriate action in QuickBooks is to void or delete the original check and create a new check with the same details. This ensures accurate record-keeping and maintains the integrity of your financial transactions. By voiding or deleting the original check, you indicate that it is no longer valid and should not be considered a part of your financial records. Then, you can create a new check for Bruce with the original details, including the payment amount, payee, and check number. This process allows you to accurately reflect the replacement check in your QuickBooks records and ensures that your financial statements and reports reflect the correct information.

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examine us government financial policies and what impact those have on exchange rates.

Answers

US government financial policies, including monetary and fiscal policies, have a substantial impact on exchange rates through factors like interest rates, investment flows, and economic growth, shaping the value of the US dollar.

Determine what are the US government financial policies?

The US government financial policies, such as monetary policy and fiscal policy, can affect exchange rates in several ways. Monetary policy, controlled by the Federal Reserve, influences interest rates and the money supply.

When the Federal Reserve increases interest rates, it attracts foreign investors seeking higher returns, leading to an appreciation of the US dollar and a decrease in exchange rates. Conversely, lowering interest rates can weaken the US dollar.

Fiscal policy, determined by the government's spending and taxation decisions, can also impact exchange rates. Expansionary fiscal policies, such as increased government spending or tax cuts, can stimulate the economy and potentially lead to currency depreciation.

On the other hand, contractionary fiscal policies, like reduced government spending or tax hikes, can strengthen the currency. These policy measures and their impact on interest rates, investment flows, and economic growth play a crucial role in determining exchange rates.

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Consider a simple economy that produces two goods: cupcakes and oranges. The following table shows the prices and quantities of the goods over a three-year period.



Use the information from the preceding table to fill in the following table.

Consider a simple economy that produces two goods: cupcakes and oranges. The following table shows the
Consider a simple economy that produces two goods: cupcakes and oranges. The following table shows the

Answers

Answer:

Nominal GDP

= (Price of cupcakes in year * quantity of cupcakes in year) + (Price of oranges in year * quantity of oranges in year)

2018

= (2 * 125) + (3 * 155)

= $715

2019

= (4 * 135) + ( 3 * 210)

= $1,170

2020

= (2 * 125) + (3 * 165)

= $745

Real GDP using 2018 as base year:

= (Price of cupcakes in 2018 * quantity of cupcakes in year) + (Price of oranges in 2018 * quantity of oranges in year)

2018

=  (2 * 125) + (3 * 155)

= $715

2019

= (2 * 135) + (3 * 210)

= $900

2020

= (2 * 125) + (3 * 165)

= $745

GDP Deflator

= Nominal GDP in year / Real GDP in year * 100

2018

= 715/715 * 100

= 100

2019

= 1,170 / 900

= 130

2020

= 745/745 * 100

= 100

in the base year, what can we say about real gdp and nominal gdp?

Answers

In the base year, we can say that nominal GDP and real GDP are equal, but in subsequent years, real GDP provides a better measure of economic performance by adjusting for inflation.

In the base year, the inflation rate is zero, which means that the nominal GDP and real GDP are equal. This is because the prices of goods and services in the base year are used to calculate both nominal and real GDP. Therefore, in the base year, we can say that nominal GDP and real GDP are equal.

However, in subsequent years, as prices change, there will be a difference between nominal GDP and real GDP. This difference is due to inflation, which causes the prices of goods and services to increase over time.

As a result, nominal GDP will tend to overstate economic growth, while real GDP will provide a more accurate measure of economic performance by adjusting for inflation.

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While workers in the United States are more task oriented and require information to do their jobs, workers from Korea are more motivated by strong relationships and developing trust to do the same job. That is because Korea is a Blank______ context culture and the U.S. is a Blank______ context culture.

Answers

1. While workers in the United States are more task-oriented and require information to do their jobs, workers from Korea are more motivated by strong relationships and developing Trust to do the same job.

2. That is because Korea is a high-context culture and the U.S. is a low-context culture.

What is a high-context culture?

A high-context culture focuses on building personal relationships instead of concentrating on performing tasks or carrying out the assigned work.

Some countries with a high-context culture include Korea, France, Spain, Saudi Arabia, Brazil, Italy, and South Africa.

What is a low-context culture?

On the other hand, a low-context culture focuses on tasks and views building a personal relationship as time-wasting.

Some countries with a low-context culture include the United States, Germany, Norway, Denmark, Switzerland, Sweden, Canada, and other European nations.

Thus, Korea is an example of a high-context culture and the U.S. is a low-context culture.

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adjusting your time schedule to include as many overtime hours as your schedule allows will ensure your future success

Answers

While adjusting your schedule to include overtime hours may offer short-term benefits, such as increased income, it is not a guaranteed path to long-term success.

Incorporating overtime hours into your schedule can result in financial gains and possibly expedite progress in your career. It may demonstrate dedication and commitment to your employer, potentially leading to promotions or recognition. However, solely relying on overtime without considering other factors can have adverse effects on your overall well-being and hinder long-term success.

Success should not be measured solely by financial gains or career advancement. It is essential to maintain a healthy work-life balance to avoid burnout and maintain relationships with family and friends. Neglecting personal life can lead to increased stress, decreased productivity, and strained relationships, ultimately impacting your overall happiness and success.

Furthermore, focusing exclusively on overtime can lead to neglecting self-care and personal growth. Engaging in activities outside of work, such as hobbies, exercise, or pursuing personal interests, contributes to a well-rounded and fulfilling life. These activities enhance personal development, creativity, and overall satisfaction, positively influencing professional success in the long run.

Striking a balance between work and personal life is crucial for sustainable success. Prioritize self-care, maintain healthy relationships, and pursue personal growth alongside your professional endeavours. By doing so, you can build a foundation for long-term success that encompasses various aspects of your life, ensuring a fulfilling and prosperous future.

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Developing steadfast friendships with host-country nationals is an aspect of which dimension in Mendenhall and Oddou's model?

Answers

Answer: Emotional Stability dimension

Explanation:

Developing steadfast friendships with host-country nationals is an aspect of the Emotional Stability dimension in Mendenhall and Oddou's model. This dimension focuses on an individual's ability to adapt emotionally to the challenges and stressors of living and working in a foreign culture. Building strong and lasting relationships with locals demonstrates emotional stability and the capacity to form meaningful connections despite cultural differences. It reflects an individual's resilience, openness, and willingness to engage with the host country's culture and people, which are important factors in successful cross-cultural adaptation.

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What is the difference between exempt and nonexempt jobs?

Answers

employees is their eligibility for overtime. Under federal law, that status is determined by the Fair Labor Standards

. A firm based in California wants to export a shipload of finished lumber to the Philippines. The would-be importer cannot get sufficient credit from domestic sources to pay for the shipment but insists that the finished lumber can quickly be resold in the Philippines for a profit. Outline the steps the exporter should take to effect this export to the Philippines.

Answers

Answer: a)Seek the help of export-import bank b).The Philippines importer could also apply for a letter of credit from their local bank

Explanation:

The steps the exporter should take to effect this export to the Philippines would be the following;

a) To seek the help of an export-import bank. These category of banks assist the financing of U.S exports and services.

b)The Philippines importer could also apply for a letter of credit from their local bank. This letter states the bank will pay some sum of money to the exporter on presentation of some particular documents. The California based company then gets paid allowing the lumber be delivered on time.

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