Theresa is buying a condo that costs $127,500. She has $8,300 in savings and earns $3,200 a month. Theresa would like to spend no more than 20% of her income on her mortgage payment. Which loan option would you recommend to Theresa? a. 30 year fixed, 6. 5% down at a fixed rate of 5% b. 30 year FHA, 3. 5% down at a fixed rate of 6. 5% c. 30 year fixed, 5% down at a fixed rate of 6. 25% d. 30 year fixed, 10% down at a fixed rate of 5. 75%.
Answer:a)30 year fixed, 6.5% down at fixed rate of 5%
Explanation:
Based on the information given, the loan option that would you recommend to Theresa is A. 30 year fixed, 6. 5% down at a fixed rate of 5%.
A loan simply means a form of debt that's incurred by an economic entity.
It should be noted that when an individual takes a loan, it's expected to be paid back in a particular period of time.
Therefore, the loan that will be recommended to Theresa is a 30 year fixed, 6. 5% down at a fixed rate of 5%. The reason is that it's cheaper when compared to other loan options.
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Company Z understands that their business is at risk. How can they use step two in the
Decision Making Process to reach their end goal of increasing sales and customer satisfaction?
Company Z can use step two in the decision-making process to achieve its ultimate goal of increasing sales and customer satisfaction by gathering the relevant information about a decision.
Step two of the decision-making process corresponds to gathering relevant information after the decision has been identified. At this stage, internal and external work is necessary, analyzing the errors and successes related to a past decision.
Therefore, it is necessary for company Z to seek information from different sources, such as the results of previous decisions, studies, market research and consultancy, to ensure greater chances of a decision being effective.
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Why do some firms, industries, and cultures have different CSR thresholds than others? Illustrate your answer with real examples for all three categories.
Some firms, industries and cultures have different corporate social responsibility (CSR) thresholds than others due to differences in the operating area, level of business complexity and legal and cultural differences between countries.
Corporate social responsibility is an increasingly growing requirement in today's society, which considers organizations to be institutions that promote social and environmental development.
CSR types can be:
PhilanthropyPreservation of the environmentDiversity and Work PracticesVolunteeringTherefore, each company will identify the best strategy to implement CSR in its processes, in order to create value for stakeholders, increase employee satisfaction, be more competitive and positioned in the operating market.
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2. Three years ago, Shawheen deposited $5,000 in a savings account. Today, the account is worth
$5,306.04 even though he never deposited any more money. Why does the account have more money
today than it did three years ago? In your response, also explain why the initial deposit may have had
more purchasing power three years ago. (8 points)
The amount of money Shawheen deposited in his savings account increased in value because of the interest rate his account earns.
The initial deposit might have a higher purchasing power because of inflation.
When money is deposited in a savings account, the amount of money earns interest.
The value of the interest rate can be determined using this formula: interest earned / (time x amount deposited)
Interest earned = $$5,306.04 - $5,000 = $306.04
Interest rate = $306.04 / (3 x $5000) = 2.04%
Inflation is the persistent rise in the general price levels. Inflation reduces the purchasing power of money.
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Foreign and domestic merchandise may be moved into Foreign Trade Zones (unless prohibited by law), for activities such as storage, exhibition, assembly, manufacturing, and processing. Foreign and domestic merchandise may be moved into Foreign Trade Zones (unless prohibited by law), for activities such as storage, exhibition, assembly, manufacturing, and processing. True
There are different types of trade zones. Foreign and domestic merchandise may be moved into Foreign Trade Zones is a true statement.
Foreign-Trade Zones (FTZ) are known to be well secure regions under U.S. Customs and Border Protection (CBP) supervision that are known to be outside CBP territory and are considered outside the U.S. commerce.These Trade Zones are found in or near CBP ports of entry that are legalized by the Foreign Trade Zones Board.
Foreign and domestic goods can be transported into zones for work, may not be hindered by law. Theses including storage, exhibition, assembly, manufacturing etc.
It is known as a stated location in the United States where companies use special customs rules that help boast U.S. activity and value added services.
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what are the advantages of 2022 versa’s cvt having auxiliary gearing?
Based on automobile features analysis, the advantage of 2022 versa’s CVT having auxiliary gearing is that "it gives the car the ability to move over different surface types such as rocky land, hills, sand, mud, grass, etc."
Auxiliary gearing in 2022 versa’s CVTThe Auxiliary gearing in 2022 versa’s CVT is designed to transmit power from the engine to the wheels to make all the wheels gain transmitted power, torque, and traction and navigate easily.
Auxiliary gearing in 2022 versa CVT gives the car the ability to move quickly regardless of the nature of the surface.
Hence, in this case, it is concluded that the Auxiliary gearing enhances the easy navigation of cars.
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what activities does marketing involve besides selling?
Answer:The activities involved in marketing are
Product and Service Selection. A manufacturer or service provider ideally listens to its customers and prospects before making product and service decisions.
Product or Service Pricing
Product Placement Activities
Incentives and Promotional Activities.
Explanation:
Primary demand is a desire for the ________ rather than for a ________; it is often the focus of marketing when there are few competitors with the same product. brand name; product category problem solution; product category product class; specific brand product concept; tangible product novelty; problem solution
Considering the market analysis, the Primary demand is a desire for the product class rather than for a specific brand; it is often the focus of marketing when there are few competitors with the same product.
What is Product Class?Product class is a term used to describe products or commodities that are homogeneous or deemed as substitutes for each other.
On the other hand, a Specific brand is a product with unique features that makes it different and known compared to other products.
Hence, in this case, it is concluded that the correct answer is option C. "product class; specific brand."
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what is bad customer service ? with example
10. The overall levels of income, employment, and prices are determined by the spending and production decisions
of all except which of the following.
A. Households
B. Businesses
C. Government
D. Foreign Sectors
Answer:
A. Households
B. Businesses
C. Government
Explanation:
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Explanation:
C. Government
hope Its useful for you
Which of the following is a positive impact of technology on society? Staying connected Global deterioration Decreased human interaction Inactive lifestyles
Answer:
Staying connected
Explanation:
Which form of media advertising has seen the sharpest decline in the United States over the last 15 years
The form of media advertising that has seen the sharpest decline in the United States over the last 15 years is the Newspaper.
The Newspaper used to be very common in the past. It was the most common means of reaching the bigger audience. Apart from its use as a medium of carrying the happenings in the society, it also served as a means of advertising.
The decline in the use of the Newspaper today is partly due to the riser in the use of electronic media. People have moved on past the age of Newspaper. Most topics are now discussed electronically especially through the social media.
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Which statement or statements apply to a bond which is selling at a premium? I. The market value exceeds the par value. II. The selling rate is above 100. III. It is sold by corporations, not by the government. A. I and II b. I only c. III only d. I, II, and III.
Answer:
Its A
Explanation:
I took the test
Answer:
A
Explanation:
edge
The ________ section of an informal proposal may include a request for approval or authorization, a reminder of key benefits, and a deadline beyond which the offer is invalid.
The conclusion section of an informal proposal may include a request for approval or authorization, a reminder of key benefits, and a deadline beyond which the offer is invalid.
What is the conclusion?The conclusion is the concluding portion of an academic essay. The conclusion should restate your response to the query and succinctly summarize major points. There aren't any fresh ideas or details in it.
If your essay is very extensive, you could need two or three paragraphs to close. A conclusion is the last paragraph of your essay. Usually, a conclusion does one of two things, but it can, of course, do both: the argument is summarized. Some professors anticipate that your conclusion won't include any fresh information.
A strong conclusion section should analyze how well the research objectives were met, provide a comprehensive answer to the issue statement, contrast the findings with the theoretical framework, identify areas that need more investigation, and accept or reject the developed hypothesis.
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when john maynard keynes said, in the long run we are all dead, what serious economic point was he making?
Answer: that we need to focus on the present and the now because the outcome is always the same
Explanation:
ARIBA network may not work as a B2C as opposed to B2B,
It is true to say that the ARIBA network may not function as B2C as opposed to B2B, as ARIBA is a business network focused on Business to Business (B2B) where buyers and suppliers can collaborate.
The advantages of companies participating in the ARIBA network are:
CollaborationOpportunitiesRelationshipTherefore, buyers have the advantages of greater management of the acquisition process and control of expenses, building an effective supply chain.
And suppliers increase cash flow, simplify the sales process and increase customer satisfaction.
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What motivates you to do a great job at work other than a paycheck?
Based on personal conviction, the thing that motivates me to do a great job at work other than a paycheck is "Growing my professional network."
What could motivate people aside from paycheck at work?There are various reasons people can motivate to do a great job aside from the paycheck; some of it includes the following:
Job securityMeeting deadlinesLeadership developmentSense of achievement or successAssisting in the jobBuilding a professional network, etc.Hence, in this case, it is concluded that there are several reasons individuals could be motivated to do great jobs at work aside from paycheck.
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Tennessee Co. conducts business in the United States and Canada. The net cash flows from Canadian operations are expected to be C$500,000 next year. The Canadian dollar is valued at about $.90. The net cash flows from U.S. operations are expected to be $200,000. To reduce the sensitivity of its net cash flows without reducing its volume of business in Canada, Tennessee Co. could:
Answer: purchase Canadian supplies
Explanation:
The short run average total cost curve reaches it minimum value at an output level greater than that associated with the minimum value of average variable cost because
Answer:
it includes average fixed cost.
Olivia asks several real estate agents to help her sell her house. A buyer is found. At the closing, no agent receives a commission. What type of listing agreement did Olivia make
Answer: Open Listing
Explanation: The seller sold the real estate herself therefore she did not have to pay a commission.
All of your teammates are dedicated to the project. They put in the time and effort to complete their individual assignments and to be adequately prepared for team meetings. However, this time and effort does not seem to translate into effectively sharing information. Which of the following actions is most likely to improve your team's information sharing?
A. Create less structure to allow more open sharing during team meetings.
B. Encourage more virtual communication among team members.
C. Share more information about each other's assignments to boost mutual understanding
D. Reduce the number of priorities that are discussed during team meetings
Team building is very important for any team leader. The option that can improve your team's information sharing is to Share more information about each other's assignments to boost mutual understanding.
A group discussion is one where there is an essential conversation about a specific topic. It is often done in a group of a size that ensure the full participation by all members.This group discussion is also known to be type of meeting and it is not like the formal meetings.
By Sharing information among themselves, they can known themselves more and understand how each other works.
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a company has an unbiased forecast for its demand. what does that mean?
something people buy to protect themselves from losing a lot of money in the event something happens to them or their property is known as:
Answer:
it is known as: Insurance
Which is the best synthesis concerning utilizing the steps in Latane and Darley's five-step decision process
Answer:
The interconnectedness of the steps in the process leads logically from awareness to cognition/evaluation to action
Explanation:
The process's interconnection flows logically from awareness through cognitive processing to action.
Latane and Darley (1970) developed a five-stage model that explains why onlookers may or may not offer assistance in an emergency.
The answer 'No' results in no assistance being provided at each step of development, but the answer 'Yes' moves the person closer to offering support.
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The type of research that compares a product or service with a competitor’s is called ?
focus groups
environmental research
market research
market intelligence tools
competitive research
what is the first step in creating the federal budget?
Answer:
The President Submits a Budget Request The president sends a budget request to Congress each February for the coming fiscal year, which begins on Oct. 1. 5
The growth rate is a measure of the rate at which a countrya's population is increasing. Please select the best answer from the choices provided. T F.
The growth rate is a measure of the rate at which a country's population is increasing.
The growth rate of a population measures the percentage increase in the value of a quantity.
For example, if the growth rate of a population is 10%, if the town currently has 1000 people, next year population would be: 1000(1.1) = 1100 people.
Factors that leads to increases in a population
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Answer:
This is true.
Explanation:
Edg. 2022
Jermaine and Kesha are married, file a joint tax return, have AGI of $82,500, and have two children. Devona is beginning her freshman year at State University during fall 2021, and Arethia is beginning her senior year at Northeast University during fall 2021 after having completed her junior year during the spring of that year. Both Devona and Arethia are claimed as dependents on their parents' tax return. Devona's qualifying tuition expenses and fees total $4,000 for the fall semester and Arethia's qualifying tuition expenses and fees total $6,200 for each semester during 2021. Full payment is made for the tuition and related expenses for both children during each semester. The American Opportunity credit available to Jermaine and Kesha for 2021 is:
The American Opportunity credit available to Jermaine and Kesha for 2021 is:$5,000.
First step is to calculate the American Opportunity credit for Devona
American Opportunity credit for Devona=(100% of first qualifying expenses+ 25% of next qualifying expenses)
American Opportunity credit for Devona=(100%×$2,000)+(25%×$2,000)
American Opportunity credit for Devona=$2,000+$500
American Opportunity credit for Devona=$2,500
Second step is to calculate the American Opportunity credit for Arethia's
American Opportunity credit for Arethia's =(100% of first qualifying expenses+ 25% of next qualifying expenses)
American Opportunity credit for Arethia's=(100%×$2,000)+(25%×$2,000)
American Opportunity credit for Arethia's=$2,000+$500
American Opportunity credit for Arethia's=$2,500
Third step is to calculate the Total American Opportunity credit
Total American Opportunity credit= American Opportunity credit for Devona +American Opportunity credit for Arethia's
Total American Opportunity credit=$2,500+$2,500
Total American Opportunity credit=$5,000
Based on the above calculation total American Opportunity credit will be $5,000 reason being that both Jermaine and Kesha's Adjusted Gross Income of the amount of $82,500 is not higher than $160,000.
Inconclusion the American Opportunity credit available to Jermaine and Kesha for 2021 is:$5,000.
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When a special assessment is calculated, each parcel of real estate that will benefit from the improvement is
Indicate whether each of the following is used in the calculation of the official poverty measure, the Supplemental Poverty Measure, or both. (2 points)
Official Poverty Measure
Supplemental Poverty Measure
Both
food costs
O
O
housing costs
o
O
o
utilities costs
o
O
о о
clothing costs
O
O
The Official Poverty Measure is used to estimate numbers of people unable to afford basic needs with little or no government assistance
The Supplemental Poverty Measure is used to measure the economic deprivation, that is, people having insufficient financial resources to achieve a specified standard of living.The official poverty measure is based on cash resources while the Supplemental Poverty Measure is based on both cash and noncash benefits and subtracts necessary expenses.The cost including food costs, housing costs, utilities costs and clothing costs are elements used in calculation of the Official poverty measure and Supplemental Poverty Measure.
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Answer:
Clothing Costs: Supplemental Poverty Measure
Food costs: Both
Housing costs: Supplemental Poverty Measure
Ultilities cost: Supplemental Poverty Measure
Explanation:
I litterally made a brainly account just to give this answer you best believe its right