What factors do you think result in the relationship between neighborhood demographics and the cost of an overdraft fee? Explain your reasoning
The factors which result in the relationship between neighborhood demographics and cost of an overdraft fee is the number of people living in the location.
Neighborhood demographics refers to the details of people living in a specific states, city or town.
The overdraft fee refers to the service fees that are charged by banks for customers uses of its overdraft service.
The overdraft fee of banks in different location might varies because of the numbers of banks users in the location.
If the bank users in the location are high, the cost of overdraft fee may be set at low price because of the number advantage.
Therefore, the factors which result in the relationship between neighborhood demographics and cost of an overdraft fee is the number of people living in the location.
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Question 3 of 10
What is the main purpose of a credit bureau?
A. To consolidate credit card debt
B. To collect and report credit information
C. To get borrowers the best interest rate
D. To provide easy credit
SHIRE
Credit bureaus provide some of the information creditors and lenders use to help them make important lending decisions. While credit bureaus collect credit information in order to make it available to certain third parties, the decision to deny or approve someone credit ultimately lies with the lender or creditor.
The main purpose of a credit bureau is B. To collect and report credit information
What is the purpose of the credit bureau system?It collects information from a wide variety of financial and nonfinancial entities, including microfinance institutions and credit card companies, and provides comprehensive consumer credit information with value-added services such as credit scores to private lenders.
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Which of the following is widely accepted as a method of payment?
A. Free exchange of ideas
B. Deferred payments
C. Medium exchange of money
D. None of these
Answer:
C
Explanation:
which is a legal tender and it's generally acceptable
I am confused here. Help me, tomorrow is my exam. Is tailoring a secondary activity or tertiary? Bcoz a tailor also makes suits etc and also fixes them. For example if my coat has a cut, the tailor will repair it.
Hello student
Answer:
Tailor is tertiary activity of economy
Explanation:
because it makes service not manufacturing goods and items.
T. Hillcrest Co. sold $500 of merchandise on a bank credit card with a 5% fee. The entry to record this sales transaction would include debit(s) to:
Answer:
Cash for $475 and Credit Card Expense for $25
Explanation:
Cash for $475 and Credit Card Expense for $25
Which statement about the cost of loans is correct?
A. A short-term loan charges more interest than a long-term loan.
B. The lower the interest rate, the more the loan will cost.
C. A short-term loan accrues less total interest than a long-term loan.
D. The less often interest is compounded, the more the loan will cost.
The true statement about the cost of loans is option A. A short-term loan charges more interest than a long-term loan.
Short term loans are those loans that are taken in order to meet up with expenses that may just be urgent.
Such loans are usually known to have a bigger interest rate than the standard loans. Apart from the interest that they attract, such loans are known to also have other charges and fees attached to them.
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The correct answer to your question is C. A short term loan accrues less total interest than a long term loan
chevron placed an ad with copy reading protecting the planet is everyones job we agree that encouraged consumers to use renewable energy which type of advertising was chevroon using
The type of advertising used by Chevroon that encouraged consumers to use renewable energy was Call-to-action marketing, which refers to using phrases that create a sense of urgency and drive consumers to action.
The Call-to-action (CTA) marketing strategy can be understood as a direction to action, that is, the organization will encourage the consumer to act in a certain way according to its advertising.
Some examples of CTA can be through the use of some jargon such as:
Read more.Buy now.Protect the planet.Therefore, this is a strategy that an organization uses to convert sales, attract and retain consumers, through incentives for the consumer to perform an action.
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how is economy affected by wise consumers?
Consumer spending affects the economy, even a slight reduction could damage the economy.
Consumer spending is the amount of money spent by individuals and houses on the final goods or services for personal use in an economy. This includes all types of goods whether durable or non-durable goods.
When the spending is reduced by the final consumer, it would result in the following:
The demand for goods decreasesBusinesses to go bankruptWorkers laid offTaxes to reduce
The government would then have to rely on the following:
ExportsBorrowings
Ultimately, the growth of the economy would slow down. And if this continues then the economy would contract.
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Tshering enterprise limited is planning to increase its sale by 30% in the next quarter.Identify the feature of management hight-lighted in the given statement.
Answer: management is a goal oriented process
what is postulated to have caused a sudden inflation of the early universe?
Statement that explains the postulation that caused a sudden inflation of the early universe is:
The energy released from the "freezing out" of the strong force from the GUT force.Towards the end of that era, there was a grand unified theories that predicted that there was a freezing out of the nuclear strong force due to the extreme cooling of the universe.This is considered as the sudden inflation of the early universe.
Therefore, freezing out" of the strong force from the GUT force is the correct answer.
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Using one of the leadership roles or extracurricular activities you prioritized as being important to you, describe what impact the experience had on you, what you contributed, what you learned about yourself, and how it has influenced your plans for the future?
One of the leadership roles that are on the rise in today's globalized environment is the role of the visionary leader, who is one who has a strategic and planned vision about the organizational resources and future of the company.
A visionary leader aims to keep the organization in line with the highest standards of innovation, always attentive to new trends and market changes, using a systemic vision.
Therefore, relating the visionary leadership role to personal development, one can understand aspects that will help an individual to be adaptable to eventualities, be more organized, manage essential resources and plan for the future.
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Ahmed wants to open a small business selling custom bikes, and is looking at ways of raising money. He owns his own house and is considering acquiring a second mortgage. He is also speaking to his bank about a loan and is looking at crowd-funding sites, as he thinks his product is innovative and could attract investors.
- Assess a mortgage, a loan and crowd-funding as sources of finance for Ahmed.
Explanation:
Mortgages (Pros & Cons)
Defintion-
These are long-term loans, normally around 25 years, that are secured against specific asset, for example a building
Interest will be payable on the mortgage
Pros-
Large amounts of finance can be raise and repaid over a prolonged period of time
Ownership or control is not lost
Cons-
Interest is charged on the amount borrowed
Interest rates can fluctuate
Often secured against an asset which can be seized if repayments are missed
Interest has to be paid regardless of whether a profit is being made
Not suitable for small amounts or as a short-term source of finance .
Which of the following is not the process of financial management? A Evaluating financial status B Setting goals C Record monthly expenses D Creating financial plan
Answer:
C) Record monthly expenses
Explanation:
If your liquid assets equal $15,000 and your total current debts equal $50,000, your liquidity ratio is:
When a company sets the date that the final payment is due to the bondholder, they are setting the ________ date.
The company is setting the maturity date when the final payment is due to the bondholder.
The bondholder is the owner of the debt securities which are issued by companies or governments.
The bondholders are the parties who are lending their money to the bond issuers.
So, the bondholders are entitled to periodic repayment of the bond from the bond issuers.
So, when the Final payment is due to the bondholder, the date is addressed as maturity date because that is when the bond contract lapses unless the repayment is not complete.
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how is self employment an alternative to large scale industries?
Answer:
The self-employment involving activities on a small-scale is a good alternative to large scale business which has brought various evils like environmental pollution, development of slums, exploitation of workers, and so on. In self-employment there is no limit of earnings as is the case with wage employment.
Which programs carry out repetitive tasks and can be programmed to make decisions based on specified conditions
Based on Machine technology fundamentals, the programs that carry out repetitive tasks and can be programmed to make decisions based on specified conditions are "Intelligent agents."
This is because Intelligent Agents is designed to carry out certain functions according to its environment, user input, and experiences.
Intelligent agents is designed with the capability to carry out or gather information on their own.
It can also be programmed to work at a specific time or when the user asks in real-time.
There are various types of Intelligent Agents. Some of these intelligent agents include the following:
Simple Reflex Agents;Model-Based Reflex Agents;Goal-Based Agents;Utility-Based Agents;Learning Agent;Hence, in this case, it is concluded that the correct answer is Intelligent Agents.
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3. Journals, ledgers, and work sheets are considered permanent records. (p. 159)
True or false
Answer:
false
Explanation:
What direction of change in velocity could explain the price level increasing by a smaller percentage than the money supply? What would this change in velocity imply about the frequency with which money changes hands?
1. A direction of change in velocity that explains an increase in price level by a smaller percentage than the money supply is: A decrease in velocity.
2. An effect of this change in velocity (decrease) with respect to the frequency with which money is exchanged (changes hands) is that: A decline or decrease in velocity simply means that money changes hands less frequently.
What is money?
Money can be defined as a recognized economic unit that is generally accepted by the people as a medium of exchange for goods and services, as well as repayment of debts such as loans and taxes across the world.
Hence, money is a financial asset that is typically used for the purchase of goods and services.
What is the velocity of money?
The velocity of money refers to a measure of the rate at which money is being used by consumers for the purchase of goods and services.
Basically, the velocity of money can be used to achieve the following:
Measure the economic and financial health of a country.Measure the rate at which money is being exchanged (changes hands).Measure the circulation of money in an economy.Mathematically, the velocity of money is calculated by using this formula:
[tex]V = \frac{PY}{M}[/tex]
Where:
P is the price level.M is the quantity of money.Y is the level of production or quantity of output.Generally, an increase in price level by a smaller percentage than the quantity of money supplied represents a decrease in the velocity of money. Also, an effect of a decrease in velocity with respect to the frequency with which money is exchanged (changes hands) simply means that money changes hands less frequently.
In conclusion, the frequency with which money is exchanged (changes hands) should be equal to the quantity of money in an economy multiplied by the average number of times each unit of currency (money) is being spent by the people living in a country.
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When aggregate demand falls, to avoid a(n) and return to the long-run equilibrium, we must increase aggregate demand.
Answer:recession or contraction
Explanation:
Lanie tells her sales manager that she will be devoting more effort to ____ in the coming weeks, as her list of potential customers has dwindled below the level of 30 firms recommended by the selling plan.
Lanie tells her sales manager that she will be devoting more effort to prospecting in the coming weeks, as her list of potential customers has dwindled below the level of 30 firms recommended by the selling plan.
Prospecting in sales is when a potential customer is being targeted before converting to an opportunity. It is the first step in sales process which entails creating sales opportunities.
Every businesses, firms, organizations usually have what is called selling plan, which is a tool in helping business succeed in sales. It helps to benchmark where an organization is and where they wish to be and then make adjustments to achieve their goals.
The selling plan is what will guide Lanie so that she would be able to achieve her sales prospect and then possibly convert them to opportunities inorder to meet her target.
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In a small economy, gross investment is $1,500, consumption spending is $6,000, net investment is $200, government purchases are $1,500, exports are $2,000 and imports are $1,000. What is GDP for this economy
Why is it important for Chipotle to revise the company’s food-handling
standards?
Answer:
It is important for Chipotle to revise the company’s food-handling standards as they have been linked to recent outbreaks of E. coli, salmonella, and other food born viruses.
Explanation:
(In reality who gives a sh#t about Chipotle, no one wants to get sick from their disgusting food...)
Well-defined property rights, low transaction costs, and resources that naturally gravitate toward the highest-valued function describe the theorem.
The Coase therom.
Explanation:
The well-defined property rights, resources that inevitably drift toward the highest-valued function, and low transaction costs, are all defined by the Coase theorem.
What is the Coase theorem?The Coase theorem in law and economics describes the economic effectiveness of a financial decision or results in the presence of externalities. According to the theory, regardless of how property is initially distributed, bargaining will result in a Pareto optimal solution if trade in an externality is feasible and transaction costs are sufficiently low.
In reality, Coasean negotiation may be hindered by roadblocks or vaguely defined property rights. Commonly credited to Nobel Prize winner Ronald Coase is this "theorem."
Ronald Coase won the 1991 Nobel Memorial Prize in Economic Sciences for this 1960 study and his 1937 paper on the nature of business.
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timia needs some cash in a hurry. she owns her car outright and is considering a title loan. the lender has told timia that she could borrow $1750 for 1 month and the fee would be $140. what is the apr on timia’s loan? assume 12 equal months.
The annual percentage rate on Timia's loan can be calculated using the percentage interest formula. Hence, the APR on her loan is 96%
Recall :
Simple interest = principal × rate × time Principal = $1750Interest = $140Time = 1 month = 1/12 = 0.083333Plugging the values into the equation :
140 = 1750 × rate × 0.0833333
140 = 145.83333 × rate
Rate = 140 ÷ 145.83333
Rate = 0.96
He, the annual percentage rate on the loan is 96%
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Lately, Marcus has noticed a lot of customer complaints that items purchased from his web store don't meet expectations. What improvement to the website will best help to solve this problem so customers know better what to expect when they buy items from his website
The improvement to this website that would best help to solve the problem so that customers would know what best to expect are High-quality product photos.
The issue is that there is disconnection between what the customers see and what they get.
In order to meet with customer complaints, Marcus has to listen to the problems that they seem to be having.
Then he has to effect the required changes by creating a connection between what his customers see and what they get.
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The president is responsible for the communication and ongoing relationship between America and other nations of the world. This is known as _____.
checks and balances
diplomatic relations
fiscal responsibility
accountability
Answer:
B. Diplomatic Relations
Explanation:
Anything involving peaceful relationships and communications between multiple countries is diplomatic relations
Carina's job is to find new customers for her company's telecommunication services. She encourages existing customers to add more services and finds customers who are completely new to the company. Carina would best be classified as a(n)
For Carina, whose job is to find new customers for her company's telecommunication services and who also encourages existing customers to add more services and find customers who are completely new to the company, we can classify her as an Order Getter.
An order getter is a salesperson who actively engages customers and persuades them to purchase the goods that she is offering. This can be seen in the case of Carina.
She does not just take orders, rather, she encourages her customers to make purchases and refer others.
Therefore, Carina can be said to be an Order Getter.
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Judy and Amy are having lunch together and decide to split the bill equally. Amy ordered more expensive items than she normally would because she is ______ price sensitive when sharing the cost.
Amy ordering more expensive foods and deciding to share the bill means
she is less price sensitive .
Less sensitivity of price usually occurs when there aren't available
substitutes for a particular product. Amy and Jude visits the restaurant for
lunch in which the price here is always fixed with no alternatives.
This makes Amy order the food regardless despite the idea of sharing the
cost with the other party. This thereby means that she is less sensitive to the
price when sharing the cost.
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2. A company has the following liabilities as of December 31: Accounts payable $150,000 Notes payable (current portion) 217,000 Salaries and wages payable 55,000 Installment notes payable 1,140,000 Interest payable 32,000 Payroll taxes payable 15,500 What is the amount of total current liabilities reported on the balance sheet
The amount of total current liabilities reported on the balance sheet equals $469,500.
Current liabilities entails set of amount or responsibility owed within an accounting period.
Particulars Amount
Accounts payable $150,000
Notes payable (current portion) $217,000
Salaries and wage payable $55,000
Interest payable $32,000
Payroll taxes payable $15,500
Total current liabilities $469,500
Therefore, the amount of total current liabilities reported on the balance sheet equals $469,500.
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