The most appropriate concern in relation to the adjustable rate of the mortgage for the borrowers is the increase in rate after the initial fixed-rate period.
So, Option A is the correct answer.
What is the adjustable-rate mortgage?
ARM is the abbreviated form of adjustable-rate mortgage where the rate of interest variates over the life of a mortgage. There is a longer duration associated with the constant interest rate of an ARM at the time of taking the mortgage.
The interest rates in ARM are usually lower at the starting period but then rise or fall throughout its life. When the term of the mortgage expires, the lenders can easily modify the interest rates, that is, they can either increase or decrease the rates.
Therefore, the rise in interest rates after the fixed period would be a concern for mortgage borrowers.
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Which factors did you include in your response? Check all that apply.
Option A is not possible, because I do not have enough money saved.
Option B is not a good choice, because it is over my budget.
Option C is the best choice for my budget.
You can choose anything it wont matter
Option C is the best choice for my budget.
Answer:
All of the above
Explanation:
Since the elderly population in the United States is expected to grow rapidly in coming decades, should you invest in companies that make the products that the elderly will need
There should be no investment in the companies concerning manufacturing the products for the elderly people due to the rapid growth in the elderly population in upcoming decades.
What is an investment?Investment is the process of acquiring some asset or property which will provide benefits in upcoming periods. It can be for a short period of time as less than a year or for a longer period of time like greater than one year.
The stock prices of the manufacturing companies (dealing in the production of goods used by elderly people) reflect the recent demographic variations, as a result, the investment in these companies would not be much profitable even if the population rises in the upcoming years.
Therefore, the companies engaging in the production of elderly people's goods should attract no investment.
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A presentation in the sales process is designed to match the benefits of a product to the client's ______.
Answer:
needs
Explanation:
(17) What are the 3 predominant areas of a market opportunity analysis that we must take into consideration as Marketing Managers?
Understanding the strength weaknesses, opportunities and threat that a business is prone to are crucial during the market opportunity analysis
Predominant areas of a market opportunityMarketing opportunity analysis is crucial for marketing managers to analyze in order to move past their competitors
Some of the things that we must take into consideration as Marketing Managers include
Defining the market intend to breakthroughUnderstanding the need of the customers prior to productionCarrying out the SWOT analysis.Knowing the strength weaknesses, opportunities and threat that a business is prone to are crucial during the market opportunity analysis.
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Which of the following is not a characteristic of a Successful Resume?
Select 1 correct answer(s)
Question 15 options:
Focuses on skills. Uses action words to define the responsibilities of your job-related experience.
Easy to read and understand
Visually powerful and free of gimmicks
One page, or at most 2 pages long
Spelling & grammar has been checked
Must always be 100% true
It must be handwritten
The option that is not a characteristic of a successful resume is that It must be handwritten.
What are characteristics of successful resumes?They are written in such a way that they are easy to read and have correct and checked spelling and grammer. The details within should be completely true and it should be free of gimmicks.
It is not important that the resume is handwritten, in fact, it shouldn't be handwritten at all but rather typed.
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Which skills are most likely to start at birth and develop as a person matures?Planning aides work with _____.
school planners
city planners
federal planners
business planners
Answer:
im thinking C. or D.
Explanation:
If a manufacturing process takes 4 hours per unit of x1 and 2 hours per unit of x2 and a maximum of 100 hours of manufacturing process time are available, then an algebraic formulation of this constraint is: Group of answer choices
The algebraic formulation of the constraint involved in this manufacturing process is c. 4x1 + 2x2 <= 100.
What is a constraint?A constraint is a condition that an optimization problem must satisfy to provide a solution.
The types of constraints are:
Equality constraintsInequality constraintsInteger constraints.Answer Options:a. 4x1 + 2x2 >= 100
b. 4x1-2x2 <= 100
c. 4x1 + 2x2 <= 100
d. 4x1 2x2 >= 100
Thus, the algebraic formulation of the constraint involved in this manufacturing process is c. 4x1 + 2x2 <= 100.
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Jill needs to pay the web developer who created a new website for her brokerage, but her checking account is low, so she floats herself a loan from earnest money kept in the brokerage’s escrow account to pay the developer. Which answer correctly identifies the violation(s) Jill has committed?
The term that has to do with the offense that Jill has committed by floating herself this loan is Commingling and conversion.
What is Commingling and conversion?Commingling has to do with the way that cash is deposited into an account on behalf of a given client.
Conversion has to do with the use of the cash for purposes that are outside the reasons why it was deposited.
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Contracted parties discharge their obligations by doing what they respectively agreed to do under the terms of an agreement; this is called discharge by ______.
If Contracted parties discharge their obligations by doing what they respectively agreed to do: this is called discharge by performance
What is Discharge by performance?Discharge by perfomance can be defined as the process in which a parties in a contract agreed to carryout or agreed to perform their duties based on the terms of their agreement.
By doing so the parties has fulfil their obligation based on their contract agreement which is know as discharge of performance.
Therefore this is called discharge by performance
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Greg and Barry have decided to not pay their income taxes in spite of understanding clearly that these taxes are needed to help run the country. This selfish behavior is the basis of a
Greg and Barry have decided to not pay their income taxes despite knowing that these taxes are needed. This selfish behavior is the basis of a prisoner's dilemma.
What is prisoner's dilemma?Prisoner's dilemma can be defined as the way a person or two person know the outcome of the decision they are about to take and still go ahead to take the decision so as to to satisfy their own self interest.
A person or an individual with prisoner's dilemma personality will often possess selfish behaviour.
Therefore This selfish behavior is the basis of a prisoner's dilemma.
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Peng Company is considering buying a machine that will yield income of $2,100 and net cash flow of $19,500 per year for three years. The machine costs $59,700 and has an estimated $7,500 salvage value. Compute the accounting rate of return for this investment.
The accounting rate of return for this investment given its income, cost of the machine and the salvage value is 8.05%.
What is the accounting rate of return?The accounting rate of return is a capital budgeting method used to determine the level of profitabiliy of an investement.
Accounting rate of return = Average net income / Average book value
Average book value = (cost of equipment - salvage value) / 2
Average book value = (59700 - 7500) / 2 = $21,600
Accounting rate of return = $2100 / 21600 = 8.05%
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Gina wanted to tell her employees about an upcoming seminar, but she put the flyer in a stack of papers and forgot about it until after the deadline, so none of her employees were able to sign up for the seminar. What type of barrier has occurred in this situation
Gina wanted to tell her employees about an upcoming seminar, but she put the flyer in a stack of papers and forgot about it until after the deadline. The event paints a picture of a sender barrier.
What is the sender barrier?Generally, the Sender barrier can be defined by the following; The are the sender barriers Inadequate knowledge or thoughts about the receiver.
In conclusion, the type of barrier that has occurred in this situation is the sender barrier.
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The use of displays, coupons, product samples, and other brand communications to influence shopping behavior in a store is termed Blank______.
A shopper marketing involves the use of displays, coupons, product and samples to influence shopping behavior in a store.
What is a shopper marketing?This is a form of marketing that involves getting the consumer awareness and enhancing of their interaction either with a current or new products.
Hence, the function of this strategy is improve the consumer's shopping experience in order to drive sales.
Therefore, the strategy is known as shopper marketing.
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During the ________ stage, various elements of the marketing mix must be developed for testing such as copyrights, tentative advertising copy, packaging, labeling, and descriptions of a target market.
During the Goals and Objectives stage, various elements of the marketing mix must be developed for testing the copyrights and tentative advertising copy.
What is marketing mix?marketing mix serves as the term that describes anyone that is directly or indirectly involved in the business side of the enterprise.
Conclusively, at the Goals and Objectives stage, testing the copyrights and tentative advertising copy is important for the future of the business.
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expenditures for residential care facilities ambulance providers medical care delivered in nontraditional settings such as senior citizens centers schools and military field stations and expenditures for the home and community waiver programs under medicaid represent what percentage of the cost of health care
The expenditures such as the medicaid programs represent about 5 percent of the cost of health care.
What is medicaid?This is an insurance program that is done as a health coverage to millions of Americans in the United States.
The insurance helps to trake care of the costs of health care for the people that are unable to afford health care.
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True or false: Depreciation on non-manufacturing assets and property taxes are considered general and administrative expenses and, therefore, are included on the general and administrative expense budget.
Answer:true
Explanation:
Answer:
true
Explanation:
A firm that sells baseballs has estimated that at its current level of production its variable costs are $70 while its fixed costs are $50. The firm has sold $300 worth of baseballs this year. What is the firm's total profit
The firm's total profit for this year based on the firm's current level of production is $180.
What is the total profit?The total profit is the difference between sales revenue and total (variable and fixed) costs.
Data and Calculations:Sales revenue = $300
Variable costs = (70)
Contribution $230
Fixed costs (50)
Total profits $180
Thus, the firm's total profit for this year based on the firm's current level of production is $180.
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While the straight-line method of amortizing bond premium or discounts keeps the amortization equal over the life of the bond, the effective interest method keeps the __________ equal over the life of the bond.
The generic strategy in which an organization's advantage comes from being able to sell products at lower prices than its competitors is referred to as a(n) ______ strategy.
The generic strategy in which an organization's advantage comes from being able to sell products at lower prices than its competitors is referred to as a low cost strategy.
What is low cost strategy?Low-cost strategy is a pricing strategy characterized by low prices of goods and services using various saving methods. In a low cost strategy, the true winner is the company with the actual lowest cost in the market place.
The company here reduces real costs, which contributes to more customers and thus increases its sales.
Hence, the generic strategy in which an organization's advantage comes from being able to sell products at lower prices than its competitors is referred to as a low cost strategy.
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Some business insurance policies cover "business interruption." If your business makes $300,000 per year and a flood prevents operation for 3 weeks, about how much money would you lose without business interruption insurance? a) $13,087 b) $15,566 c) $16,200 d) $17,308
Answer:
D): $17,308
Explanation: 300,000/365 = 822. 822 * 21 = 17300
Journal entry for purchased goods from ABC Co. for Rs. 11,000.
Answer:
purchase A/c. Dr. Rs.11,000
To ABC CO.A/c. Rs.11,000
(being goods purchased in cash)
Just as banks and thrifts accept the deposits of and make loans to the public, the ______ accepts the deposits of and makes loans to banks and thrifts.
If banks and thrifts accept the deposits of and make loans to the public, the central bank accepts the deposits of and makes loans to banks and thrifts.
What is central bank?Central bank is a financial institution that have control over other banks and they help to regulate the flow of money or money in circulation,
Cental bank oversees the financial activities of other financial institution and they as well accept deposit and grant loans to banks.
Therefore central bank accepts the deposits of and makes loans to banks and thrifts.
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The use of social network services and websites by consumers to share their latest purchases, deals, product reviews, and other shopping finds with friends and contacts is referred to as
The task of doing online shopping by using various social networking sites where the customers share their perspectives about their latest purchases is referred to as social shopping.
What is social media?Social media is an interface that allows individuals to interact from any part of the country. It can be through the mode of messaging, voice calling, or video calling.
Social shopping is an online method where the customers share their feedback about the products or services they have used or purchased now from social shopping sites. Their reviews will eventually help other people to know more about the product or service which can be positive or negative depending on the customer's perspective.
Therefore, the sharing of the latest product or service experiences by the customers on online shopping sites is a kind of doing social shopping.
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Which of the following is an example of nonverbal communication? shaking hands to greet a supervisor writing an email to a coworker talking on the telephone to a customer listening to a presentation at a meeting
Answer: shaking hands to greet a supervisor.
Explanation:
nonverbal communication is communication through a nonverbal platform. I.e eye contact, facial expressions, gestures, etc.
A(n) _____ projects the types and amounts of assets a firm will require to carry out its future plans and forecasts the amount of additional funds that will be needed to acquire those assets.
Additional funds needed is “extra money needed,” and it refers to other resources that will be needed for the company to expand its operations.
What do you mean by additional fund needed projects?Additional funds needed is a way of calculating how much new funding will be needed so that the firm can truly look at whether it will be able to make some extra money and thus be able to achieve a higher level of sales.
Additional funds needed project the types and amounts of assets a firm will require to carry out its future plans and forecast the number of additional funds that will be needed to acquire those assets
Thus, the correct word is Additional funds needed.
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Which two main categories can an organization fall into that would require them to comply with hipaa rules?.
The main categories that an organization can fall into that would require them to comply with hipaa rules are covered entities and business associates.
What is HIPAA rule?HIPAA rule simply means national standards to protect individuals medical records and other health information.
In this case, the main categories that an organization can fall into that would require them to comply with hipaa rules are covered entities and business associates.
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A media company acquires a film production company, a film editing firm, and a film distribution firm. By owning different stages of movie making, the company is ________ integrated.
By owning different stages of movie making, the company is vertically integrated.
What is vertical integration?Vertical integration can be regarded as process that involves acquiring business operations towards identical production.
It is also the merger of companies that are operating in same business even though they have different stages of production or distribution
Hence, by owning different stages of movie making, the company is vertically integrated.
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When Harley-Davidson advertises to reinforce the perception that the brand is masculine, rugged, and individualistic, it is building brand Blank______.
Harley-Davidson is building brand personality by reinforcing the perception that his brand is masculine, rugged, and individualistic.
What is Brand personality?Brand personality is a characteristics attributed to a brand name to which the consumer can relate.
It is an effective brand increases which empowers one's company to build connections with its target audience.
Hence, Harley-Davidson is building brand personality by reinforcing the perception that the brand is masculine, rugged, and individualistic.
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please give me ten pros and ten cons for online banking.
Halcyon company purchased equipment on january 2nd, 2019, for $75,000. On december 30th, 2022, when the book value was $16,225, the company decided to discard the equipment. Journalize the appropriate entry on december 30th, 2022.
The journal entry on December 30, 2022, for Halcyon Company is:
Debit Assets Disposal $58,775
Debit Loss on Disposal $16,225
Credit Equipment $75,000
What is assets disposal?Asset disposal is an attempt to write off an asset from the financial books of a company.
The asset disposal may be based on the sale of the old equipment or discarded due to obsolescence.
The appropriate journal entry is to credit the asset account while the disposal of the asset account is credited with the book value.
Transaction Analysis:January 2, 2019:
Purchase of equipment for $75,000
Book value on December 30, 2022 = $16,225
Decision = discard the equipment
Accumulated depreciation on December 30, 2022 = $58,775 ($75,000 - $16,225)
Accumulated depreciation $58,775 Assets Disposal $58,775
Assets Disposal $58,775 Loss on Disposal $16,225 Equipment $75,000
Thus, the appropriate journal entry is to debit the Assets Disposal account and the Loss on Disposal account while crediting the Equipment account with $75,000.
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