Paul's monthly payment in year 4 is $1,050.
Data and Calculations:
Mortgage loan = $300,000
Mortgage term = 10 years
5/1 interest-only ARM rate = 3%
Interest margin = 2%
Interest caps = 2/6
Initial monthly payment = $750
The index adjustment is as follows:
Year 1 2.50% (initial year)
Year 2 2.75%
Year 3 3.25%
Year 4 3.50%
Year 5 3.75%
Year 6 3.00%
Year 7 2.80%
Year 8 5.00%
Thus, Paul's monthly payment in year 4 is $1,050 ($750/2.50% x 3.50%).
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A locally
Operated business produces locally demanded goods and services justify this statement
The best justification of the statement that a locally operated business produces locally demanded goods and services is:
They provide goods and services which the people in the area wants.According to the given question, we are asked to state the best justification of the statement that a locally operated business produces locally demanded goods and services
As a result of this, we can see that when a local business produces goods, then it is more liable to listen to the needs and demands of the local people and which would meet the customer's needs and also give profit to the business.
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a company has an unbiased forecast for its demand. what does that mean?
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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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 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
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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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
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:
can someone help pick 1, 2,or 3 ?
Answer:
2no I think you are confused so
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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Jeff has been a project assistant for XYZ Corporation for five years. Recently he was asked to train Harriet, a new employee. He suggests that she use an Excel worksheet to lay out the projects she is currently working on, and she complies. He is using ________ power.
The power that Jeff is using towards the new employee is known as Expert power.
The term "Expert power" is used in relation to employee's skill.
Expert power refers to a perception that an employee has a higher level of specific skill set that others do not have in the organization.Jeff does possess Expert power because he has great skill set.Therefore, the power that Jeff is using towards the new employee is known as Expert power.
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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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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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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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What is an example of an interpersonal skill?
a) being highly self-motivated
b) being very disciplined
c) Being punctual
d) achieving goals
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?
Answer:
I have no clue
Explanation:
I need to answer something bc I'm new sorry
Answer:
Company Z can list the options on how to increase sales and make their business profit again. Some available options that can be listed are responding quickly to customer concerns instead of making them wait a long time, finding a way to have better parking, and to lower their overall prices when selling their products to customers.
Explanation:
For part a you are supposed to state what problems Company Z are having with their company, and if you look at the five steps, the next step for part b is to list some solutions to fix these problems. I hope this helps clarify part b a little bit!
The five steps are:
State the problem
List the options
Determine the pros and cons
Choose the best option
Evaluate the decision/choice
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
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.
what is the first thing you should do when you open an account
Answer : consider how much money you will add in your account and start saving up money
Explanation :
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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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:
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:
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.
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:
If the dollar amount of total return on your mutual fund is $165 and the original cost of your investment is $1,200, then what is your percentage of total return
Answer:
% 70
Explanation:
The salary at the new job is a(n). The benefits at the job are a(n). The job’s location is a(n). The potential for job satisfaction is a(n).
There are different kinds of employment benefits. The answers to the questions are;
The salary at the new job is an advantage The benefits at the job are an advantage The job's location is an advantageThe potential for job satisfaction is an advantageThere are different benefits from finding a good job. They include insurance in both medical, life, dental etc., vacation pay, holiday pay, maternity leave, bonuses etc.
Getting a good Job that has a good pay and very close to one's residence is very important as it will reduce your cost of spending.
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Keisha has received an offer for a job that pays a higher salary than her current job. It also offers health insurance for all the members of family. The new job is a distance from her home and will require a long commute, which will take her away from her family for many hours of the day. In addition, it provides the promise of advancement and future opportunities at that company. The salary at the new job is a(n) . The benefits at the job are a(n) . The job’s location is a(n) . The potential for job satisfaction is a(n) .
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Answer:
The salary at the new job is a(n)
✔ advantage
.
The benefits at the job are a(n)
✔ advantage
.
The job’s location is a(n)
✔ disadvantage
.
The potential for job satisfaction is a(n)
✔ advantage
The President of PDQ Corporation buys PDQ shares in the open market. After holding them for 3 months fully paid, the President wishes to sell the shares. The shares can be sold:
There are different ways to share shares. The shares can be sold immediately.
In a sale of shares, a company's shareholders often sell the shares that is entitling ownership of the company to a specific buyer. In the transaction, all the rights and responsibilities that pertains to the ownership of shares are transferred to the buyer.
Note that as long as the 6-month holding period needed has fulfilled on the restricted shares, and therefore, when they are donated, the charity can sell the shares immediately. There is therefore no need for another 6-month holding period be taken again.
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The President of PDQ Corporation buys PDQ shares in the open market. After holding them for 3 months fully paid, the President wishes to sell the shares. The shares can be sold:
A. immediately
B. after holding the securities for an additional 3 months
C. after holding the securities for an additional 6 months
D. after holding the securities for an additional 1 year
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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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