The answer is the margin.
The index serves as a benchmark interest rate that captures the state of the market as a whole. Based on the market, the index varies.
An adjustable-rate mortgage loan's interest rate fluctuates based on changes in the index and the loan's margin.
When you apply for the loan, the lender chooses which index your loan will utilize, and this decision often won't alter after closing.
When an adjustable-rate mortgage (ARM )'s rate period expires, the margin is the number of percentage points the mortgage lender adds to the index to determine your interest rate.
Your loan agreement specifies the margin, which won't change after closing. The margin amount varies according to the specific lender and loan.
The fully indexed rate is equal to the margin plus the index.
Hence, the margin is a gross profit factor added to the Index, which determines the new note rate. This number can vary from lender to lender but will remain fixed for the duration of the loan agreement.
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Rosarita is responsible for developing a plan for the optimal use of advertising, personal selling, sales promotion and public relations. Rosarita is developing a:
Rosarita is developing a promotional strategy by being responsible for developing a plan for the optimal use of advertising, personal selling, sales promotion and public relations.
What is promotional strategy?promotional strategy is a strategy used in advertising a product to the potential buyers.
In this case, Rosarita is developing a promotional strategy by being responsible for developing a plan for the optimal use of advertising, products.
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Rosarita is responsible for developing a plan for the optimal use of advertising, personal selling,sales promotion, and public relations. Rosarita is developing a:
A.promotional strategy.B.set of promotion goals.C.marketing mix.d.communication mix.E.selling plan.Learn more about promotional strategy at:
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The greatest marketing need firms sought during the production era was for: Group of answer choices Mass production and personal selling. Less expensive distribution and storage. Blanket advertising and financing. Specialized production and storage.
The greatest marketing need firms sought during the production era was for: Less expensive distribution and storage.
What is the production era?
The production era is the era in which the marketing have started evolving. It is the oldest era, in this era consumers were favoring those products which are widely available and that too at minimum cost.
What are the four eras of marketing ?The four eras of evolution of marketing are:
productionsellingadvertisingstakeholder relationships.Thus , The correct option is : The greatest marketing need firms sought during the production era was for Less expensive distribution and storage.
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As one of the factors of production, capital includes all of the following EXCEPT: Group of answer choices delivery trucks money equipment machinery tools
The factors of production, capital includes all of the following EXCEPT: Machinery.
What are the Factor of Production?The factors of production in an economy are its labor, capital, and natural resources and entrepreneurship.
Labor is the human effort that can be applied to the production of goods and services. People who are employed or would like to be are considered part of the labor available to the economy.
Capital is a factor of production that has been produced for use in the production of other goods and services. Office buildings, machinery, and tools are examples of capital.
Natural resources are the resources of nature that can be used for the production of goods and services.
An entrepreneur is a person who combines the other factors of production - land, labor, and capital - to earn a profit. The most successful entrepreneurs are innovators who find new ways produce goods and services or who develop new goods and services to bring to market.
Thus, Machinery is not the factors of production.
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Can someone Plss help
The variables that can shift the supply curve are the number of sellers, production costs, and income.
What is the supply curve?Corresponds to a graphical representation of the quantity of a product or service that is sold in relation to the increase in prices. That is, when prices rise, the supply curve will slope upward, and changes in the quantity supplied at a given price shift the curve to the right.
Therefore, supply is an economic concept to designate a market situation where there is a quantity of products and services available that consumers want to buy.
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C. Wright Mills identified the major decision-makers at the highest levels of corporations, politics, and the armed forces in the United States as the __________.
A power elite was the name given to major decision-makers at the highest levels of corporations, politics and the armed forces.
What is a power elite?This refers to the small group of influential people that control a disproportionate amount of power and resource in a region/
Hence, they were named by C. Wright Mills because they were major decision-makers at the highest levels of corporations, politics and the armed forces.
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Managers make attributions about employees based on consistency and distinctiveness as well as the extent to which an employee's performance is the same or different from other employees, otherwise known as:
Managers make attributions about employees based on consistency and distinctiveness as well as the extent to which an employee's performance is the same or different from other employees, otherwise known as Consensus.
The definition of consensus is the agreement reached by the group. An example of consensus is when Republicans and Democrats agree on the wording of the bill. A general agreement between members of a particular group or community. Each exercises some discretion in decision-making and follow-up.
Consensus (about) She is good at reaching consensus on delicate issues. There is growing consensus on this subject. Currently, there is a broad political consensus in support of economic reform.
Consensus conferences allow groups of people to come together, participate in discussions, and ultimately lead to sharing decisions. Consensus decisions require individual participation and promote open communication. It is intended to benefit everyone involved and will not ignore anyone's opinions or ideas.
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A resource is ______ if the number of firms that possess it is less than the number of firms required to reach a state of perfect competition.
A resource is rare if the number of companies that own it is less than the number of companies needed to reach a state of perfect competition.
What is imperfect competition?It is an economic situation where there is an imbalance between supply and demand. When there is a rare resource available, companies have greater dominance over the market and over the price of the resource and negatively impact consumers.
Therefore, a situation of perfect competition is ideal for the consumer, who has several options of goods and services available at different prices.
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At Mattress Store, Nate signs a contract to buy bedroom furniture. The contract sets a schedule of $500 monthly payments, subject to a late fee of 15 percent. Nate finds the language of the contract difficult to understand. This is most likely Group of answer choices an exculpatory contract. procedural unconscionability. substantive unconscionability. an enforceable contrac
Nate finds the language of the contract to buy bedroom furniture difficult to understand due to "procedural unconscionability".
What is procedural unconscionability?Unconscionability that results from the contract-making process rather than from a contract's terms that are inherently unfair or unreasonable
Examples of Procedural Unconscionability is-
influencing an underprivileged party who would not have otherwise signed the contract to do so. minimising important clauses in contracts for the sake of the underdog. If one side uses threats of violence against the other party, his family, or friends, this is known as coercion.Therefore, Procedural unconscionability is based on elements that deprive a party of a meaningful choice, such as customer ignorance or a significant amount of unclear fine print.
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The ______ is a measure of the average rate of return a Bond Investor will earn if the investor buys the bond and holds until maturity.
Hello !
Answer:
The yield to maturity is a measure of the average rate of return a Bond Investor will earn if the investor buys the bond and holds until maturity.
The Fisher formula is expressed as _____ where R is the nominal rate, r is the real rate, and h is the inflation rate.
Hello !
Answer :
The Fisher formula is expressed as 1+R = (1 + r) x (1+ h) where R is the nominal rate, r is the real rate, and h is the inflation rate.
A decrease in the money supply is likely to cause a(n) ______ in interest rates, and subsequent ______ in investments and aggregate demand.
A decrease in the money supply is likely to cause a(n) increase in interest rates, and subsequent decrease in investments and aggregate demand.
What are the effect of decrease in money supply?When there is a reduction in flow of money it affect the business as well as countries economy such that interest rate are increase to meet up necessary country obligations and enhance money supply within the economy.
These affect individuals demand because more interest rate leads to a reduction in money at hand and how much an individual have to spend.,,
Therefore, A decrease in the money supply is likely to cause a(n) increase in interest rates, and subsequent decrease in investments and aggregate demand.
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In order to reduce the harmful affects of recession and carbon emissions, the government provided tax incentives for manufacturing firm's to ___________________ that provide alternative, more efficient methods of combining inputs to produce output.
In order to reduce the harmful affects of recession and carbon emissions, the goverment provided tax incentives for manufacturing firm's to acquire energy efficient production technologies and provide an alternative, more efficient methods of combining inputs to produce output.
Carbon Tax BasicsA carbon tax requires emitters to pay a certain amount for each tonne of greenhouse gas emissions they produce. Businesses and households will take actions to minimize their emissions in order to avoid paying the fee, such as switching fuel sources or implementing new technology.A carbon tax varies from a cap-and-trade system in that it offers more clarity regarding costs but not on the amount of emission reduction to be accomplished.There are two main types of taxes on greenhouse gases: emissions taxes, which are based on how much an entity generates; and taxes on goods or services, such as a carbon tax on fuel, which are often greenhouse gas-intensive.To learn more about Carbon tax basics refer to:
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Injurious falsehood, a common business tort, is sometimes called ________. Group of answer choices duress trade discouragement trade disparagement false imprisonment battery
Injurious falsehood, a common business tort, is sometimes called false imprisonment battery
A battery is the use of force by one person against another without consent. This tort requires physical contact. Imprisonment is the prevention of one person from moving around without the consent of another. Detention must be consensual and must be deliberately carried out on behalf of the criminal
The essential elements of deprivation of liberty are:
Intentional detention.No consent;Not legally enforceable.battery Meaning in law:
1. In criminal law, this is a physical act that results in harmful or abusive contact without the consent of others.
2. In the tort law, deliberately establishing harmful or abusive contact with another person without the consent of the other person.
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Dante is making his first purchase using a credit. He asks his friend Tay to educate him about using credit. What is the BEST advice Tay can give him?
The BEST advice Tay can give him about his first purchase is A. Be prepared to pay back the original amount and additional interest.
What is a Business Advice?This refers to the financial advice that is given to a person when he is about to embark on a business to guide him not to make wrong choices.
Hence, we can see that based on the fact that Dante wants to use credit to make his first purchase, it is important that he knows that he would repay the amount, plus an additional amount, known as interest.
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Which of the following is true of normal costing? a.Actual direct labor cost is traced to products, but estimated direct materials and estimated overhead costs are assigned using predetermined rates. b.Actual direct materials cost is traced to products, but estimated direct labor and estimated overhead costs are assigned using predetermined rates. c.Actual direct materials and direct labor costs are traced to products, but estimated overhead costs are assigned using predetermined rates. d.Actual direct materials, actual direct labor, and actual overhead cost are assigned to products.
C) Actual direct materials and direct labor costs are traced to products, but estimated overhead costs are assigned using predetermined rates.
What Are the Normal Costs?The cost of a product is determined using standard costing. This method includes a standard overhead rate and actual direct costs applied to a product. It includes the actual cost of labor, materials, and a standard overhead rate that is calculated based on the product's actual consumption of the allocation base in question (such as direct labor hours or machine time).
You can prorate the difference between the cost of goods sold and inventory if there is a discrepancy between the standard overhead cost and the actual overhead cost, or you can charge the difference to the cost of goods sold (for lesser discrepancies).
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The idea that wealth in the form cash or securities becomes less valuable as prices rise is known as the _____ effect.
Hello,
Answer :
The idea that wealth in the form cash or securities becomes less valuable as prices rise is known as the real-balances effect.
A _________is part of a story that gives meaning to the distinct systems of benefits that well-branded products promise to deliver.
A Brand story is part of a story that gives meaning to the distinct systems of benefits that well-branded products promise to deliver.
What is a Brand Story?A brand story explains the inspiration for beginning your firm, the reason you get out of bed each day and do what you do, why clients should be interested in you, and why they should believe in you. Building connections and trust are two things the brand narrative does. According to research, detailed stories have a powerful effect on our minds.Great branding, like great marketing, is about a never-ending, unwavering, long-lasting dedication to creating and sharing branding stories, as well as about waking up each morning energized by the chance to contribute to the creation of the next new, even more, engaging brand stories.Company storytelling is a wonderful technique to set yourself apart from the competition because no brand or organization was founded in the same way as its rival.To learn more about the brand story refer to:
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The effect of a Pigovian tax on a market is: Group of answer choices increased price and quantity to the efficient level decreased price and increased quantity to the efficient level decreased price and quantity to the efficient level increased price and reduced quantity to the efficient level
D) Increased price and reduced quantity to the efficient level.
How Do Pigovian Taxes Work?Pigovian taxes, sometimes called Pigouvian taxes, are levied against private individuals or companies who engage in activities that have negative side effects on society. Costs associated with adverse side effects are those that are not accounted for in the product's market price. The selling of tobacco products puts a load on the public healthcare system and causes environmental pollution, among other side effects that have detrimental external impacts.
After English economist and early externality theorist Arthur Pigou, who made a substantial contribution, Pigovian taxes were given their name.
How Is a Pigovian Tax Calculated?
A Pigouvian tax is notoriously tricky to calculate correctly. The tax should, in theory, have a value that is exactly equal to the externality's net cost. As a result, for a particular level of production, the tax would be equal to the difference between the societal cost and the marginal private cost.
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Businesses use a number of methods to gather information and create a good picture of their customer base. This ________ can help companies to validate their target market.
The information that businesses gather to create a good picture of their customer base is Market research.
What is market research?Market research is the information that a company gathers on both its customers and prospective customers.
this information would allow them to understand the needs of their customers more and therefore increase the chances of success.
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Sarah manages an investment fund dedicated to socially responsible investing. She is also an environmental activist. As a result of her participation in nonviolent protests, Sarah has been arrested on numerous occasions for trespassing on the property of a large petrochemical plant that is accused of damaging the environment. Sarah's conduct Group of answer choices
To earn money on your investments, your rate of return must be higher than which value?
Rate of deflation
Rate of inflation
Interest rate
Account fees
To earn money on your investments, your rate of return must be higher than: B. rate of inflation.
What is rate of return?Rate of return can be defined as a net gain (profit) or loss that is associated with an investment over a specified period of time, and it's usually expressed as a percentage of the investment's initial cost.
This ultimately implies that, the rate of return must be higher than the rate of inflation in order for any business firm to earn money on their investments.
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how do imagination and creativity helps in innovating product?
In 2005, Clear Channel (an owner of multiple popular radio stations) spun off concert promoter Live Nation into an independent company. Assume that music radio stations and concerts are complements in consumption. True or False: The price of radio programming should fall. False True
The statement the price of radio programming should fall is false.
What is Complements-in-consumption
Complements in consumption can be defined as the way in which two or more product complement each other when use of consume together or when use jointly.
Hence, Based on the scenario the statement is false because assuming the both music radio ,and concert are complements in consumption the price of radio programming will not fall.
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The general acceptance by russians of hierarchy and power differentials arising from social status reflects their:.
The values of Russia show their acceptance of hierarchy and power arising from social status.
Russians (Russian: русские, Roman: russkiye) are an East Slavic ethnic group native to Eastern Europe that shares a common Russian ancestry, culture, and history. The most widely spoken Slavic language, Russian, is the common native language of Russians. And Orthodox Christianity has been their historical religion since the 11th century. They are the largest Slavic nation and the largest European nation.
Russians are formed from the East Slavic tribes and their cultural ancestors come from the Kievan Rus. Genetically, the majority of Russians are the same as their eastern and western Slavic counterparts. Unlike the Northern Russians, who belong to the Baltic Sea gene pool in Northern Europe.
The Russian word for Russian comes from the Rus' and Rus' territories. Russians share many historical and cultural features with other Europeans, especially other East Slavic ethnic groups, especially Belarusians and Ukrainians.
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Sam, a buyer for a small warehouse company, is looking to purchase a forklift from caterpillar or komatsu. He is looking for a reliable, narrow forklift to fit between the warehouses’ smaller aisles and that is a lower price. Sam doesn’t need added-on services; he is well-versed in using and maintaining large equipment. He evaluates the forklift types and decides on a komatsu. Sam chooses the komatsu for its perceived reliability and it is $1500 less than the caterpillar forklift. Which approach that komatsu took was a success for sam as a customer?.
Komatsu reduced its perceived costs enough to undercut its competitors perceived values.
The perceived value of a pastime is described as the unit value that a customer thinks he incurs with the aid of a venture a specific pastime. A consumer's expenditure consists of direct charge and non-rate cost factors which we assume to be independent.
When making a buy, a purchaser values a product's benefit higher than its function. for instance, a consumer would not purchase a drill to have a drill. He buys a drill to have the capability to make holes. From maximum SaaS groups, people no longer simply purchase the software programs, but as a substitute solution.
In advertising and marketing terminology, the perceived fee is the customers' assessment of the deserves of a product or service, and its potential to satisfy their desires and expectations, specifically in contrast with its peers.
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the ability to produce a good or service at a lower overall cost.
A) absolute advantage
B) fiscal policy
C) contractionary policy
D) comparative advantage
E) monetary policy
F) expansionary policy
Plss help
Answer:
D) comparative advantage
Explanation:
The term used in describing the ability to produce good or service at lower overall cost is known as?
The requirement in this case is to distinguish between absolute advantage and comparative advantage, the former means the ability to produce more goods or services than a counterpart whereas the latter means producing at the lower opportunity cost.
Note that costs in Economics means both implicit(opportunity costs) and explicit costs(out of pocket expenses), in essence, a product with only implicit costs would only consider opportunity costs as overall costs.
Overall, the correct option is comparative advantage.
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A data analyst finishes analyzing data for a marketing project. The results are clear, so they present findings and recommendations to the client. What should they have done before that presentation
Shared the results with subject matter experts from the marketing team for their input.
An advertising plan outlines your supposed marketing/advertising activities for a particular period, commonly over the following 365 days. It describes how you may reach, attract and persuade clients to buy your products or services, with clean desires, actions, and accountabilities.
The 4 PlayStation of advertising—product, fee, place, promoting—are regularly referred to as the advertising and marketing blend. These are the important thing elements concerned in making plans and advertising a product or service, and they interact drastically with every other.
An advertising and marketing plan also can be defined as a technique that facilitates a business to decide on the quality use of its resources to gain corporate targets. It can also comprise a complete evaluation of the strengths and weaknesses of a company, its company, and its merchandise.
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The owner of an undeveloped lot agrees to sell the lot to a buyer. The written agreement identifies the parties, describes the property in sufficient detail, specifies the price to be paid, and spells out the payment terms. The agreement is signed by the owner. In accord with the agreement, the buyer pays the required down payment to the owner. Subsequently, the buyer constructs a garage on the lot as the first step towards building a three-story residence, but, due to a financial reversal, abandons his construction efforts.
May the seller bring an action to compel the buyer to complete the purchase?
Yes, due to the doctrine of part performance.
How would the seller compel the buyer to complete the purchase?A contract between the parties is strongly suggested by the buyer's activities, which include paying a portion of the purchase price to the owner and building a garage on the property (which is a considerable improvement of the lot). In order to require particular fulfillment of a land sales contract, either party may use the theory of part performance.
An oral contract can nonetheless be recognized and upheld by a court despite having flaws in the law because to the equitable principle known as the doctrine of part performance. It offers an alternative to the statutory prohibition against the enforcement of an oral contract.
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Barnegat Light sold 100,000 shares in an initial public offering. The underwriter's explicit fees were $50,000. The offering price for the shares was $20, but immediately upon issue, the share price jumped to $30. What is the best estimate of the total cost to Barnegat Light of the equity issue
The best estimate of the total cost to Barnegat Light of the equity issue will be $1,050,000.
In addition to the explicit fees of $50,000, we should also take into account the implicit cost incurred to Barnegat Light from the underpricing in the IPO. The underpricing is $10 per share, implying total costs of $1,000,000.
Calculation for What is the best estimate of the total cost to Barnegat Light of the equity issue-:
Total cost = $50,000 + ($30 - $20)1,000,000 shares
Total cost = $50,000+($10)1,000,000 shares
Total cost = $50,000+$1,000,000
Total cost =$1,050,000
Therefore the best estimate of the total cost to Barnegat Light of the equity issue will be $1,050,000.
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____________________________ occur when the marginal gain in output diminishes as each additional unit of input is added.
Diminishing marginal returns occur when the marginal gain in output diminishes as each additional unit of input is added. This is further explained below.
What is Diminishing marginal returns?Generally, The law of declining marginal returns is a hypothesis in economics that predicts that when some ideal level of capacity is achieved, adding an extra component of production will actually result in smaller improvements in output.
In conclusion, The economic theory known as the "law of declining marginal returns" states that after production capacity has been maximized, adding more production factors will have diminishing returns.
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