2. Explain the role of required & excess reserves in the banks approach to the making of loans to the consumer & business.

Answers

Answer 1

Answer:

Every time a dollar is deposited into a bank account, a bank's total reserves increases. The bank will keep some of it on hand as required reserves, but it will loan the excess reserves out. When that loan is made, it increases the money supply. This is how banks “create” money and increase the money supply.

Explanation:


Related Questions

Which education degree (s) does a Guidance Counselor usually hold?

has a master’s degree, but some could have a doctorate or bachelor’s degree.
has a doctorate degree, but some could have a master’s or bachelor’s degree.
has a bachelor’s degree, but some could have a master’s degree.
has a master’s degree, but some could have a doctorate degree.

Answers

The education degree (s) does a Guidance Counselor usually hold is: has a bachelor's degree, but some could have a master's degree.

Who is a guidance Counsellor?

Guidance counselors can be defined as the person whose responsibility or duty is to help councel or advice people and to as well guide people.

A Guidance counselors must be a bachelor's degree holder  and must also have master's degree.

Therefore the education degree (s) does a Guidance Counselor usually hold is: has a bachelor's degree, but some could have a master's degree.

Learn more about Guidance counselors here:https://brainly.com/question/2469840

#SPJ2

Which term is defined as a loan given to students to help pay for education-related expenses?
financial aid
scholarship
student loan
work-study

Answers

C. Student Loan

A scholarship is a discount, work study is a job that helps pay for your tuition, and financial aid is something that helps pay for your tuition. So student loan is really the only one that makes sense.

A student loan is defined as a loan given to students to help pay for education-related expenses. Thus, option C is the correct option.

What is a student loan?

A student loan is a specific kind of loan intended to assist students in covering the costs of post-secondary education and related expenses, including tuition, books, and living costs. In comparison to other loan kinds, it could have a much cheaper interest rate and a delayed repayment plan while the borrower is still enrolled in school.

In many nations, there are significant differences in the stringent rules governing bankruptcy and renegotiation. This article identifies the variations in the student loan systems of different developed nations. The majority of American college students are eligible for federal student loans. Regardless of their own or their parents' salaries, students can borrow the same sum of money at the same rate.

Learn more about student loans here:

https://brainly.com/question/24501576

#SPJ2

who is the greatest basketball player of all time.

Answers

Answer:

ong Michael Jordan, Wilt Chamberlain, Bill Russell

Explanation:

Answer: Bron and Wilt

Explanation: Cause they’re S tier

Define technological literacy.

Answers

Answer:

Technology Literacy is the ability to safely, responsibly, creatively, and effectively use appropriate technology to: communicate; access, collect, manage, integrate, and evaluate information;

Explanation:

Use technology to meet personal needs, interests, and learning styles.

Answer:

Technology literacy is the capacity to use suitable technology in a safe, responsible, creative, and effective manner to communicate, access, collect, manage, integrate, and evaluate information.

Explanation:

3.
Kriti provided the following information.
$
13 400 debit
120 credit
21 600
At 1 January 2014
Trade receivables balances
Inventory
For the year ended
31 December 2014
Cash sales
Credit sales
Bad debts written off
Receipts from credit customers
Discount allowed to credit customers
Contra with supplier's account
Cheque refund to a credit customer
44 400
165 600
2 800
155 010
4 560
1 300
90
At 1 January 2015 Trade receivables balances
7 debit
200 credit
28 800
Inventory
Mark up on goods sold 50%.
REQUIRED
(a) Calculate Kriti's purchases for the year.
***​

Answers

Answer:

2,000,000

Explanation:

Madsen Motors's bonds have 18 years remaining to maturity. Interest is paid annually, they have a $1,000 par value, the coupon interest rate is 7%, and the yield to maturity is 8%. What is the bond's current market price? Round your answer to the nearest cent.

Answers

Answer:

$906.30

Explanation:

Face value (FV) = $1000

Coupon payment (C) = 7% of $1000 = $70

Yield to maturity (r) = 8% = 0.08

t = 18

Number of compounding periods (n) = 1 (annually)

Using the relation:

C[( 1 - (1 + r/n)^-nt) / (r/n)] + FV / (1 + r/n)^nt

70[(1 - (1 + 0.08)^-1*18) / (0.08/1)] + 1000 / (1 + 0.08/1)^1*18

70[1 - (1.08)^-18) / 0.08] + 1000 / 1.08^18

70[(1 - 0.2502490)/0.08] + (1000 / 3.99601949918)

70(9.3718871) + 250.24902

= $906.281117

= $906.30

Sorting a list by region before printing might help a company save money with
postal costs
production costs
labeling costs
printing costs

Answers

it helps a company save money with POSTAL COSTS

What type of spacing should you use for a cover letter?
A. Single spacing
B. Double spacing
C. Triple spacing
D. Half spacing

Answers

Answer:

single spacing

Explanation:

Answer: A

Single Spacing

Explanation:

answer quickly pls: it is an accounting question:

Answers

Answer:

$3,500

Explanation:

Profit is calculated by subtracting expenses for revenue.

In the case,

Revenues are

fees from client   $20,000

Rent received   $ 8,000

total revenue   $28,000

expenses

insurance       $8,000

advertising       $3,000

loan interest   $ 12,000

motor expense      $1,500

    $24,500

profit = $28,000 -  $24,500

profits =$3,500

How education is medium to enhance the ability of human beings?​

Answers

For the sake of argument let’s consider education to be defined as the act of schooling and subsequent intellectual upbringing (which obviously varies but let’s consider it as true)

The general education of a populace enhances the overall ability of humans by allowing a greater number of humans to be given the (intellectual) tools necessary (in agreence with Rene Descartes theory of obtaining “new knowledge” to improve upon previously held inclinations or even create new ones in order to increase efficiency or another set of reasons one might alter their natural inclinations. With that being said, general education is a tool that, when used properly, can be used to increase the overall ability of humans by means of increased intellectual ability.

can someone help me with this business worksheet

Answers

Answer:

uhm heyyyy I can help

can anyone please make me the brainest please​

Answers

Answer:

ya sure....army

Explanation:

Purple U...

what is the definition of stakeholders​

Answers

plural noun: stakeholders

1.

(in gambling) an independent party with whom each of those who make a wager deposits the money or counters wagered.

2.

a person with an interest or concern in something, especially a business.

5020
تيكية
Which material resource is found in
a plastic toy?​

Answers

Answer:

polythene, polypropylene,EVA,etc are found in a plastic toy.

Why is social service a more respectable job?​

Answers

Answer:

they provide public services

Explanation:

what is home trade businness​

Answers

Answer:

Home trade is the buying and selling of goods (with the aim of making profit) among people of the same country.

Explanation:

Domestic trade, also known as internal trade or home trade, is the exchange of domestic goods within the boundaries of a country. This may be sub-divided into two categories, wholesale and retail. ... Retail trade is concerned with the sale of goods in small quantities to consumers.

I will mark brainliest Which of the following terms directly relate to business? (Select all correct answers.)

1. manufacturer

2. oracular

3. naturalist

4. retailer

Answers

Answer:

1. manufacturer

4. retailer

Explanation:

The manufacturer refers to a company that produces goods and services in a factory or plant for sale. The term manufacturer may also mean the owners of such a factory. A manufacturer converts raw materials to finished products and sells them for a profit. They are involved in a business.

A retailer is a business person who sells goods to consumers. Retailers buy from other businesses such as wholesalers. Large scale retailers such as supermarkets and departmental stores buy from manufacturers.

Answer:

It's manufacturer and retailer

Explanation:

I took a quiz with the same question and I got it correct, so you can rely on my answer.

HELP ON A TEST Which is the least likely use for a smartphone app in our retail food chain?
tracking refrigeration temperatures
heating food on the screen
checking for food-bome bacteria
monitoring produce ripening

Answers

Answer:

The anwser is B "heating food on the screen."

Explanation:

Say it outloud and listen to yourself.

(03.01 MC)
Interest Rates and Interest Charges
8.99%, 10.99%, or 12.99% introductory APR for one year,
Annual Percentage Rate (APR) based on your creditworthiness
for Purchases
After that, your APR will be 14.99% This APR will vary with the market
based on the Prime Rate.
Jonathan is applying for a new credit card. He has missed several loan payments in the past, and his credit
score has been affected. Which introductory APR might he expect to receive on the card?
O 8.99%
10.99%
12.99%
14.99%
A

Answers

Answer:the answer is A

Explanation:

Answer:

A

Explanation:

What is an advantage of an adjustable-rate mortgage?

Answers

The obvious advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan. ... By the end of the 5-year fixed period, the borrower will have made a much larger dent in their balance than the borrower who uses a 30-year fixed mortgage.

A variable lower rate structure and early payments during the loan term are two benefits of adjustable-rate mortgages.

What is mortgage?

A mortgage is an arrangement that grants the right to seize property between a borrower and a lender. Interest is added to any borrowed money that is not repaid by the borrower.

There are various types of mortgage are adjustable-rate mortgages, government-insured mortgages, conventional mortgages, fixed-rate mortgages and jumbo mortgages.

As payment for taking on the interest rate risk, an adjustable rate mortgage often has a lower beginning rate than a fixed-rate mortgage.

Hence, the significance of the mortgage is aforementioned.

Learn more about on mortgage, here:

https://brainly.com/question/15074748

#SPJ5

Although she hates the work, Jessica has spent most weekends and the last three summers as a shortorder cook; she has an associate's degree in paralegal studies; she loves to ride and spends every spare minute helping her uncle with his three horses. Now that she's planning to start a business, her best choice would probably be a A. legal research service. B. restaurant. End of exam C. fast-food franchise. D. riding stable.

Answers

Although she hates the work, [ Jessica has spent most weekends and the last three summers as a shortorder cook; she has an associate's degree in paralegal studies; she loves to ride and spends every spare minute helping her uncle with his three horses. Now that she's planning to start a business, her best choice would probably be a Riding stable. ]

In short the answer is D. Riding stable

Which of the following is true of entrepreneurial organizational structures? Choose all that apply.

A. They are flat.
B. They are common to large corporations.
C. They are common to start-up businesses.
D. A single leader makes most decisions.
E. Communication is indirect.
F. Tasks are usually standardized.

Answers

Answer: A. They are flat.

C. They are common to start-up businesses.

D. A single leader makes most decisions.

Explanation:

Entrepreneurial business structure is a structure whereby, the owner of the bsuniess makes every decisions. It is often a start up company or a small company and there's a direct mean of communication as the owner has few workers.

The structure is typically flat and the roles are not well defined. It also give rooms for promotion of ideas as workers can give opinions on certain issues.

Answer:

A,B,C,F

Explanation:

Over the last 100 years, marginal tax rates have been fluctuating constantly. Place the years in order by how high the top marginal rate was at the time. Place the year with the highest rate first.

Answers

1945* 1913" 2012" 1964 I think this is the right answer

Waterloo, Ltd. manufactures a component used in aircraft navigation systems. Demand has been strong and the executive staff at Waterloo is planning for next year. Yesterday, you were called into a budgeting meeting where production plans are being reviewed. You learn that the inventory policy at Waterloo is to hold one and one-half months’ worth of sales (to avoid issues with transportation disruptions). The sales budget for next year is 662,000 units, spread evenly over the year. Because of an unexpected increase in demand, inventory at the end of this year is expected to be only 32,000 units. The capacity of the plant is 702,000 units annually.1. What production level next year will be required to meet the targets? (Do not round intermediate calculations.)

Answers

Answer:

the production level next year is 712,750

Explanation:

The computation of the production level next year will be needed to meet the targets is shown below:

Ending Inventory (662,000 ÷ 12 × 1.5) 82,750

Sales Budget                                    662,000

Total inventory required                744,750

Less Beginning Inventory             -32,000

Production                                     712,750  

Hence, the production level next year is 712,750

Why is the slow growth that can result from a contractionary policy a positive effect?

It can increase interest rates.
It can decrease available credit.
It can increase the money supply.
It can decrease inflation.

Answers

Answer: It can decrease inflation

Explanation:

A slow growth rate can result from the contractionary policy of a positive effect which can lead to a decrease in inflation. Thus option A is correct.

What is the contractionary policy?

Contractionary policy forms a money measure that refers to the decrease of the govt spending and specially on the deficit expenses and the reduction in the rate of the monetary expansion by the central bank.

This policy can be understood by the government deposits of the US treasury which are fed by the deposit cash in order to apply the policy. The slow growth of policy can lead to the positive effect that tends to decrease inflation.

Find out more information about the contractionary policy.

brainly.com/question/9504329

Question 6 of 10 When making an ad, avoid using:

A. catchy headlines
B. too few words
C. too much info
D. audience knowledge ​

Answers

Answer:

Its A

Explanation:

Because people dont like wierd ads and sketchy things

Answer:

too much info. Marketing should generate the greatest interest with the fewest words

We have been discussing the structure of and tools used by the Federal Reserve Bank (Fed). If it were up to you, what directions would you give to the Fed regarding policy goals and targets. Would you change the current Fed?; Leave it alone?; Close it?...

Answers

Answer:

The description is summarized in the clarification portion below, and according to the particular context.

Explanation:

Throughout the banking as well as the financial system of the United States of America, the Fed would be a leading organization. The Fed has dual inflation stabilization goals and maximum jobs. For some of these two Federal Reserve goals, there seems to be a clear compromise. The equilibrium between any of these two must be created. The US economy is running well above potential output, but in such a situation, the Fed should keep a watchful eye on a future current price increase, or market stabilization would have to be a goal.Therefore, because the Fed would be a monetary policymaker, it would rely more on inflation stabilization. Jobs factors may also be tackled by monetary policies. In other words, the Fed should give great importance to market stability instead of full jobs. The Fed becomes currently operating independently and therefore its activity is free of political intervention, so it must function like this. This wouldn't be the best measure to shut the Fed. Since the Fed figured prominently in mitigating the detrimental consequences of the 2008-2009 crisis. With the aid of the Fed, long term financial crises or inevitable crises will be stopped comfortably.

Which of the following titles describes a first-line manager?
A. Vice president, Consumer Products Division
B. Vice president of sales
C. Customer service supervisor
D. Purchasing manager

Answers

Answer:

C. Customer service supervisor

Explanation:

First-line managers are the lowest rank of managers. They manage workers directly involved in the production process or in service delivery. First-line managers are commonly referred to as supervisors, office managers, or line managers. They do not manage staff at the management level.

From the list provided, the customer service supervisor is the first line manager. He or she manages workers providing customer service to clients.

5. Based on information presented in the video, construct an argument that defends the idea that we should not lower taxes for the wealthiest Americans.

Answers

Answer:

We should not lower taxes for the wealthiest Americans because they own and run a lot of companies and businesses that we use. Lower income Americans want their leaders to understand or know what it’s like to be less wealthy so they’ll be more sympathetic towards lower income people and won’t do everything out of the want for more money. If they have to pay lower taxes, then that takes away from their ability to sympathize with lower income homes, and that would upset a lot of people.

Check all that apply.

Why are employers wary of hiring inexperienced workers?
- They do not know how to work.
- They have no track record (of character).
- They require training.
- They may not be reliable.

Answers

Answer:

all od the above but it depends on the employer

Other Questions
plz answer this......................... Will you buy my hair?" asked Della."I buy hair," said Madame. "Take yer hat off and let's have a sight at the looks of it."Down rippled the brown cascade."Twenty dollars," said Madame, lifting the mass with a practised hand."Give it to me quick," said Della.Oh, and the next two hours tripped by on rosy wings. Forget the hashed metaphor. She was ransacking the stores for Jim's present."The Gift of the Magi,"O. HenryBased on Dellas actions and feelings, what theme is best expressed in this passage?Receiving money makes people happy.Making sacrifices for others is unwise because it may not work out well.Sacrificing ones prized possession is the only way to achieve happiness.Making sacrifices for a loved one can make a person happy. I need with this assignment I got school in a little bit What can be concluded from the graph shown here - Find the value of b. Then find the angle measures of the pentagon. :) answerrr pleasee amigo On January 1, Boston Enterprises issues bonds that have a $1,850,000 par value, mature in 20 years, and pay 7% interest semiannually on June 30 and December 31. The bonds are sold at par. 1. Required:1. How much interest will Boston pay (in cash) to the bondholders every six months?2. Prepare journal entries to record (a) the issuance of bonds on January 1; (b) the first interest payment on June 30; and (c) the second interest payment on December 31. 3. Prepare the journal entry for issuance assuming the bonds are issued at (a) 95 and (b) 105. Solution forX > -2=Solve Read the excerpt from "A Latina Judge's Voice" by Hon. Sonia Sotomayor.Let us not forget that between the appointments of Justice Sandra Day O'Connor in 1981 and Justice Ginsburg in 1992, eleven years passed. Similarly, between Justice Kaye's initial appointment as an Associate Judge to the New York Court of Appeals in 1983, and Justice Ciparicks appointment in 1993, ten years elapsed. Almost nine years later, we are waiting for a third appointment of a woman to both the Supreme Court and the New York Court of Appeals and of a second minority, male or female, preferably Hispanic, to the Supreme Court. In 1992 when I joined the bench, there were still two out of 13 circuit courts and about 53 out of 92 district courts in which no women sat. At the beginning of September of 2001, there are women sitting in all 3 circuit courts. The First, Fifth, Eighth and Federal Circuits each have only one female judge, however, out of a combined total number of 48 judges. There are still nearly 37 district courts with no women judges at all. For women of color the statistics are more sobering. As of September 20, 1998, of the then 195 circuit court judges, only two were African-American women and two Hispanic women. Of the 641 district court judges, only twelve were African-American women and eleven Hispanic women. African-American women comprise only 1.56% of the federal judiciary and Hispanic-American women comprise only 1%. No African-American, male or female, sits today on the Fourth or Federal circuits. And no Hispanics, male or female, sit on the Fourth, Sixth, Seventh, Eighth, District of Columbia or Federal Circuits.Sort of shocking, isn't it? This is the year 2002. We have a long way to go. Unfortunately, there are some very deep storm warnings we must keep in mind. In at least the last five years the majority of nominated judges the Senate delayed more than one year before confirming or never confirming were women or minorities. I need not remind this audience that Judge Paez of your home Circuit, the Ninth Circuit, has had the dubious distinction of having had his confirmation delayed the longest in Senate history. These figures demonstrate that there is a real and continuing need for Latino and Latina organizations and community groups throughout the country to exist and to continue their efforts of promoting women and men of all colors in their pursuit for equality in the judicial system.The rhetorical technique most used in this excerpt isparallelism.overstatement.ethos.shift. I need help ASAP!!! I need a story about the Chicago Mafia, but it has to be real!!! CAN SOMEONE HELPP MARK BRAINLEST These two lines are graphs of non-proportional relationships. What makes them non-proportional? Which kind of punctuation tells the reader to end the sentence with a higher tone of voice?a question markan exclamation pointa perioda comma Find the perimeter of the given figure, round to the nearest tenth A pizza company charges a $5 fee for a 10 inch cheese pizza plus $1.50 for every topping. The equation c(x) = 1.5x + 5 can be used to determine the cost of a pizza based on the number of toppings (x). Describe what c(4) represents. Which of the following is part of the solution to the trigonometric inequality sec(2x) define unrestricted submarine warfare 4x + (-3) = 5x + 3????? IM GIVING BRAINLIEST!!What two integers between -100 and -20 could be divided to equal a number close to 0?