Question 9 of 10
What is one strategy that can help a borrower reduce the cost of a loan?
A. The borrower can choose a loan with a simple rather than a
compound interest rate.
B. The borrower can choose a credit card with a low minimum
monthly payment.
C. The borrower can choose a credit card with a high minimum
monthly payment.
D. The borrower can choose a loan with a compound rather than a
simple interest rate.
Answers
The borrower can apply the strategy of choosing a loan with a compound interest rate rather than a simple interest rate to reduce the cost of the loan. The correct option here is d.
What is compound interest?Compound interest is the interest which we earn on our own. With a savings account that earns compound interest, we earn interest on the initial principal plus the interest that accumulates over time.
When we add money to a savings account or a similar account we receive interest based on the amount that we have deposited. Therefore the effect which we will have on our savings can be dramatic.
With the initial years of savings, we may feel like we are earning only a modest amount of interest but with each passing year, our compounding interest grows exponentially. Until it exceeds our principal amount and is responsible for most of the growth in our account.
So compound interest can turn a small investment into a huge wealth over time.
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Related Questions
What will most likely happen to maggie? check all that apply. She may have to pay thousands of dollars to repair and replace her possessions. She will convince the insurance company that she has flood coverage. Her insurance company will eventually pay the damages. She may have to pay to live somewhere else while repairs are being made. She may have to go into debt.
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The things that can most likely happen to Maggie are she may have to pay thousands of dollars to repair and replace her possessions, she may have to pay to live somewhere else while repairs are being made, and she may go into debt. The correct options are (a),(d), and (e).
Possession means the purchase, control, or occupancy of some object, advantage, or characteristic, by a person. Debt is a responsibility that demands the individual body, the debtor, to pay services or different concurred-upon values to another body, the one who receives. Debt is a delayed payment, or order of fees, that changes it from an immediate purchase.
Companies frequently use debt when building their capital structure cause it has sure benefits compared to impartiality funding. In general, utilizing deficit helps keep profits inside a guest and helps secure tax harvests. There are ongoing monetary debts expected managed, still, that can impact your available funds.
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Answer:
B- She may have to pay thousands of dollars to repair and replace her possessions.
D- She may lose her home.
E- She may go into debt.
Explanation:
See picture <3
eggs are a normal good sold in a perfectly competitive market that is currently in long-run equilibrium. how will price, output, and profit change if consumer incomes increase?
Answers
price increases; output increases; profit increases
Profit is defined as the difference between an economic entity's revenue from outputs and its opportunity costs for inputs. It is the sum of all revenues less all expenses, including both direct and indirect expenses.
Unlike accounting profit, it solely pertains to the explicit costs that are shown on a company's financial accounts. A company's accounting profit is calculated by subtracting just its explicit costs from its entire revenue. When examining a company, an economist considers all opportunity costs, both apparent and implicit. Profit in the economy is therefore less than profit in the books. An economist would define a business as profitable if its entire income equaled its opportunity cost.
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a company purchased new equipment for $40,000. the company paid cash for the equipment. other costs associated with the equipment were: transportation costs, $2,200; sales tax paid $3,100; and installation cost, $1,500. the cost recorded for the equipment was:
Answers
Equipment Cost refers to the total sum paid by the company to the manufacturer of any item of equipment, including all relevant sales taxes and delivery fees as invoiced by that manufacturer to the company.
How to Calculate Equipment Cost?For a business, the cost of the equipment is simply the price the business paid for it. The cost of the equipment can be calculated using a company's balance sheet, albeit this information is not always accessible.Assets are typically listed on a company's balance sheet at their cost. However, the asset's book value will be the asset's cost less cumulative depreciation. As a result, cost can be determined using the asset's book value and total cumulative depreciation.New Equipment + transportation cost + Sales tax + installation cost =
$40,000 + $2,200 + $3,100 + $1,500 = $46,800
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Given the following objective, raise brand awareness to at least 40 percent among consumers 18 to 49, which critical element of an actionable objective is missing?.
Answers
The critical element of an actionable objective that is missing is E. Quantitative benchmark.
How to illustrate the information?One can use quantitative benchmarking to create a quantitative baseline or set of standard metric scores that you can use to re-evaluate your experience at regular intervals or after major updates and changes. These baselines can be set for a single product or for multiple product lines.
The goal lacks a quantitative benchmark, which is a number or percentage that indicates whether or not the goal was met. In this case, the goal should state how brand awareness will be increased to 40% among consumers aged 18 to 49.
Therefore, based on the information illustrated, the correct option is E.
The question is attached below.
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question mode multiple choice question the market where businesses buy labor from households is called the .
Answers
The market where businesses buy labor from households is called the Factor Market.
In economics, a factor market is a market in which factors of production are bought and sold. Factor markets allocate production factors such as land, labor and capital, and distribute income to owners of production resources such as wages and rent. Buy, rent, or rent the things you need to produce goods and services. These needs are factors of production such as raw materials, land, labor and capital.
Simply put, it is the market for factors of production such as land, labor and goods. Examples of factor markets are job fairs, owners selling their land to shopping malls, and banks lending money to entrepreneurs.
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for slide 3, based upon the industrobots engagement scope document and what you learned above, what are your thoughts about who we should interview? which department heads or business process leaders are key to gathering requirements at industrobots? which external stakeholders? and what written materials should we ask the industrobots team to provide?
Answers
Business analyst and concern experts are responsible for requirement gathering process.
Business clients have a tendency to assume software teams to be mind-readers, and to supply a answer based totally on unspoken or unknown requirements. Hence, all of the necessities need to be formally captured in a huge document.
Who should be concerned in a necessities review?Ideally, your overview must encompass one individual from every area of the commercial enterprise impacted with the aid of the requirements, top examples include marketing, operations, product management, purchaser service, and IT. Often instances you will want extra than one person from a team because of the decision matrix within that group.
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taxpayer a is a limited partner in two partnerships. partnership a produces passive income (to a) in the amount of $5,000. partnership b has a passive loss of $4,000 (to a). how does taxpayer a treat the passive income and loss on his tax return?
Answers
The taxpayer a treat the passive income and loss on his tax return is $1000.Thus, a financial loss from an investment in a firm or transaction in which the investor is not a significant participant is referred to as a passive loss.
A passive loss on tax returns is what?Thus, a financial loss from an investment in a firm or transaction in which the investor is not a significant participant is referred to as a passive loss. Investments in rental properties, joint ventures, or other ventures in which an investor is not significantly involved might result in passive losses.To calculate the deductible losses and to calculate the income and losses from passive activities, use Form 8582, Passive Activity Loss Limitations. To calculate the allowed passive activity credit and to calculate the credits from passive activities, use Form 8582-CR, Passive Activity Credit Limitations.According to the regulations for passive activity losses, you must engage in a trade or business "regularly, continuously, and substantially" in order to claim a loss. $5000 - $4000 = $1000.The taxpayer a treat the passive income and loss on his tax return is $1000.To learn more about Passive loss refer to:
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the inflation rate between any two years is calculated as (choose all that apply)
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The inflation rate between any two years is calculated as a) the percentage change in the CPI from one year to the next, c) (CPI in year 2 - CPI in year 1) / CPI in year 1 X 100 and d) (CPI in year 2 - CPI in the base year) / CPI in the base year X 100.
The change in the prices of a basket of goods and services that are frequently purchased by particular groups of households is referred to as inflation as measured by the consumer price index (CPI).
With a split for food, energy, and the total excluding food and energy, inflation is calculated as the yearly growth rate and in indexes using 2015 as the base year. The degradation of living standards is quantified by inflation.
A consumer price index is calculated as a set of summary measures of the proportional change in prices from one period to the next for a fixed set of consumer products and services that the reference population purchases, uses, or pays for.
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Correct question:
The inflation rate between any two years is calculated as (choose all that apply)
a) the percentage change in the CPI from one year to the next.
b) (CPI in year 2 - CPI in year 1) / CPI in the base year X 100.
c) (CPI in year 2 - CPI in year 1) / CPI in year 1 X 100.
d) (CPI in year 2 - CPI in the base year) / CPI in the base year X 100.
______ is collected from contributions, assessments, premiums, and payroll taxes.
Answers
Insurance trust funds is collected from contributions, assessments, premiums, and payroll taxes.
What is an insurance trust fund?
An insurance trust can be defined as an irrevocable trust which is set up with a life insurance policy as the asset.
It is one of the easiest ways to shelter the insurance proceeds from eventual estate taxes and prevent those proceeds from pushing your spouse's estate value over the estate tax exemption threshold. The best trust is considered as an irrevocable trust offers your assets the most protection from creditors and lawsuits
There are three types of insurance trust.
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A company needs construction equipment to complete a project over the next 20 months. The equipment costs $10,000. Instead of purchasing the equipment with a 12% note, the company leases the equipment with payments of $300 due at the end of each month. For what amount would the company record the lease liability at the beginning of the lease?.
Answers
The company record the lease liability at the beginning of the lease is $5414. Lease liability = monthly lease payment * Present value annuity.
What is Lease liability?
The responsibility to make lease payments is represented by the lease liability, which is calculated using the present value of upcoming lease payments. We simply discount the liabilities throughout the lease duration using the discount rate once we have obtained our data, which includes the lease term, lease payment, and discount rate.
A lease will be shown as a right-of-use (ROU) asset and lease liability on the balance sheet. The ROU asset is the control of the asset under the lease contract, whereas the lease liability is the payment obligation over the course of the lease contract.
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the statistical thinking underlying six sigma is based on which of the following three principles? a. all activities can be controlled, employee empowerment is the best control tool, and 100 percent control is possible. b. all work is a process, all processes have variability, and all processes create data that explain variability. c. all work activities can be done accurately most of the time, empowered employees are necessary for effective control, and good statistical data is an empowered employee's best control tool. d. all work is a statistically controllable process, 100 percent control is possible, and every well-controlled process is defect-free. e. most business processes are subject to control, six sigma can totally remove variability in how processes are performed, and most defects can be eliminated.
Answers
The statistical thinking underlying Six Sigma is based on the following three principles: All work is a process, all processes have variability, and all processes create data that explains variability.
What is the Six Sigma principle?Six Sigma principle can be described as the set of management techniques that is been used as a tool in the organization which helps to improve business processes by greatly reducing the probability that an error or defect will occur.
Therefore, the six sigma is based on principles such as :All work is a process because no matter the process that's been followed one needs efficiency as well as high productivity.
Therefore, option B is correct.
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g if the price of chocolate-covered peanuts decreases from $1.10 to $0.90 and the quantity demanded increases from 190 bags to 210 bags, this indicates that, if other things are unchanged, the price elasticity of demand is:
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If the price of chocolate-covered peanuts decreases from $1.10 to $0.90 and the quantity demanded increases from 190 bags to 210 bags, this indicates that, if other things are unchanged, the price elasticity of demand is 0.5.
The extent to which demand reacts to a variation in an economic component is known as the elasticity of demand. The most continued and important economic factor considered while calculating the elasticity of anything is price. The Income bracket and the accessibility/reachability of substitutes are additional factors.
Elasticity scales how demand shifts in response to changing economic variables. If demand for a good or service does not vary as a result of price changes, it is said to have inelastic demand. Luxury products and edible utilities like foods and different kinds of beverages are elastic goods because their demand is influenced by price changes for them.
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You expect to live for 30 years after retiring. If your retirement account earns 3.5% and you want it to provide your annual living expenses of $100,000, how much will you have to have in that account when you retire? (Round your answer to the nearest dollar)
Answers
The amount that should be in the retirement account when you retire is $1,839,204.54.
What should be in the retirement account?In order to determine the amount of money that you are to have in your retirement account when you retire, the present value of the 30-year annuity has to be determined. Present value is the sum of discounted cash flows.
The formula that can be used to determine present value is:
P = PMT * [1 – [ (1 / 1+r)^n] / r]
Where:
P = Present valuePMT = value of each payment = 100,000 r = Discount or interest rate = 3.5% n = number of years = 30$100,000 x [1 - (1 / 1.035)^30] / 0.035] = $1,839,204.54
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what is it called when a company owns a variety of businesses that increase its effectiveness, while having plenty of resources to add customer value to these businesses without financially stressing itself? multiple choice question. competitive mix industry leadership diverse marketing resource fit
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This is known as resource fit . ( Option D )
- More about resource fit :
- Resource fit refers to both the corporate parent's ability to support its complete group of businesses financially and parenting skills, as well as whether each company business has appropriate access to the resources required to be commercially successful.
- Customers may occasionally be very eager to use a certain product or service, but this may be complicated by a lack of funding. As an illustration, a business with limited financial and human resources might not be able to purchase a premium solution to the issue they are trying to solve.
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which of the following are not ways that budget deficits can have a negative effect on future economic growth? when they are financed with foreign-held treasury debt. when interest payments are made to foreigners. when the debt is held domestically. when they are financed with an increase in taxes.
Answers
The one that are not ways that budget deficits can have a negative effect on future economic growth is option C: when the debt is held domestically.
High and rising deficits and debt have a number of negative effects, including high inflation, rising interest rates, slower economic growth, increased interest payments, reduced fiscal space, increased geopolitical risk, and generational imbalances. Thankfully, none of these effects are inescapable. Therefore, option C is the only one not having any negative effects on economic growth.
When the economy is booming, the opposite occurs. These effects, sometimes referred to as the economy's "automatic stabilisers," take place without any modifications to governmental policy. The deficit will automatically decrease as the economy improves due to rising tax revenues and declining unemployment.
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Which statement best defines a grant?
O A grant is an educational plan in which students alternate between studying for school and gaining work
experience.
O A grant is a loan offered to students to help pay for education-related expenses.
O A grant is money given by an organization for a specific purpose.
O A grant is a loan offered to anyone who is thinking about attending college.
Answers
Answer:
the second one
Explanation:
which of the following is/are forms of discipline from the cfp board? 1. private censure. 2. 1st strike. 3. suspension. 4. monetary penalties. which of the following is/are forms of discipline from the cfp board? 1. private censure. 2. 1st strike. 3. suspension. 4. monetary penalties. c. 2, 3, and 4 d. 1, 2, 3, and 4 b. 1 and 3 a. 1 and 2
Answers
The correct option is (b) 1 and 3, private censure and suspension. Private Censure and Suspension are forms of discipline from the CFP Board. Forms of discipline include Private Censure, Public letter of Admonition, Suspension, and Revocation.
The Certified Financial Planner (CFP) designation is a professional certification mark given to financial planners by the Certified Financial Planner Board of Standards (CFP Board) in the United States and by 25 other organizations connected to the Financial Planning Standards Board (FPSB), which is the owner of the CFP mark outside of the United States. The certification is typically regarded as the preeminent title in the financial planning sector. The certification is administered by the Certified Financial Planner Board of Standards, Inc. (CFP Board), a 501(c)(3) non-profit organization founded in 1985. It is neither a government designation nor an accredited degree.
The candidate must satisfy the designation's educational, examination, experience, and ethical requirements in addition to paying an ongoing certification fee in order to be permitted to use the designation.
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Leadership style is the general way a manager treats and supervises employees.
a. true
b. false
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Leadership style is the general way a manager treats and supervises employees A)true.
Leadership patterns are classifications of the way someone behaves whilst leading a collection. Lewyn's leadership patterns are authoritarian (autocratic), participative (democratic), and delegative (laissez-faire).
Democratic leadership is one of the most popular management styles because it involves entering from the complete team and fosters employees' experience of ownership in their paintings.
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new balance offers a variety of types of shoes to its customers at various price points, typically in 3 basic tiers, based on the quality of the material and components of the shoe. this is an example of managing the product line offering and is known as:
Answers
Customers of new balance can choose from a wide range of shoes kinds at varying pricing points, usually in three basic categories. This is an illustration of "good-better-best," which is management of the product line providing.
Define the good-better-best strategy?A corporation may use the good-better-best pricing structure, a tiered pricing approach, to boost sales.
When a business offers three distinct product or service packages, it is effective. Each option costs more than the previous one, but it also provides greater value, such as promotions or extra services. This pricing structure redirects customers' attention from cost to value by giving them the ability to contrast offers from the company rather than focusing on the products of competitors.The following is a list of stages for developing this type of pricing structure:
The services or goods you really want group together should be decided.Recognize the target market you wish to reach.Set the price ranges.Give the choices.Thus, based on the superiority of the materials and shoe components, new balance provides a wide variety of shoe kinds to its consumers at different pricing ranges, often in three basic categories. "Good-better-best strategy" is used in this case to manage the product line providing.
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Write 3-4 paragraphs telling me your thoughts about supply chain issues and inflation
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Demand-pull, supply-pull, and supply-pull inflation are the three different types of inflation. Cost-push inflation is a phenomenon. internal inflation
The cost of living in a nation or the overall rise in prices are two examples of broad measures that are frequently used to define inflation. It is the rate of price growth over a predetermined time frame. The cost of living in a nation or the overall rise in prices are two examples of broad measures that are frequently used to define inflation.
Monetarists believe that too many dollars chasing too few goods is what causes inflation. In other words, there is now an excessive amount of money.
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All other things held constant, the present value of a given annual annuity increases as the number of periods per year ncreases ed a.True b.False
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'All other things held constant, the present value of a given annual annuity increases as the number of periods per year increases
Present value (PV) is the present value of a future amount of money or cash flow stream given a particular rate of return. Future cash flows are discounted by a discount rate, and the higher the discount rate, the lower the present value of future cash flows.
If a person currently has $10,000 and he invests it at an interest rate of 10%, he will use the money for a year and he will have earned $1,000. Instead, if she didn't have access to that money for her one year, she would lose her $1,000 in interest income.
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identify a difference between central tendency error and leniency error.
a. Central tendency error is a performance rating error, whereas leniency error is a selection error
b. Central tendency error occurs when assessors rate all workers as performing below expectations, whereas leniency error occurs when assessors rate all workers as performing above expectations
c. Central tendency error is also known as horns error, whereas leniency error is also known as halo error
d. Central tendency error occurs when assessors rate all workers as average, whereas leniency error occurs when assessors rate all workers as performing particularly well
Answers
Identify a difference between central tendency error and leniency error a. Central tendency error is a performance rating error, whereas leniency error is a selection error.
Measures of valuable tendency are numbers that tend to cluster across the “center” of a fixed value. Three such center numbers are the mean, the median, and the mode. For instance, suppose your profits for the beyond week had been the values proven in desk 1.
Central tendency is very beneficial in psychology. If we could recognize what is normal or 'average' for a fixed of records. It also condenses the statistics set all the way down to one representative value, that's beneficial whilst you are running with massive amounts of records.
The measures of crucial tendency permit researchers to decide the typical numerical factor in a set of information. The information points of any sample are allotted on a selection from the lowest value to the highest fee. Measures of central tendency inform researchers where the middle value lies within the distribution of information.
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why set up a recurring journal entry? answer: a. you don't expect the customer to pay their debt. b. you want to transfer funds from your checking to your savings account every month. c. you will make multiple payments on a fixed schedule. d. you need to replenish the petty cash fund.
Answers
b. you want to transfer funds from your checking to your savings account every month.
Why do we employ repeating entries?When you need to make the same entries every month or on particular dates, you utilize recurring entries. You can set up these entries in the system and then run a job to process them rather than having to manually create them each month.
What is a repeated journal entry?Particular expenses or transactions that are repeated every accounting period are the subject of recurring journal entries. They are frequently carried out to document things like allocations, depreciation, amortization, and accruals.
Recurring Journal Entries are used to enter journal entries that are a fixed amount that repeat each period, such as depreciation and amortization.
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there are historically three 32-month periods of generally rising prices in the stock market for every one 9-month period of falling prices. this observation leads you to conclude that the stock market exhibits a:
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This observation leads you to conclude that the stock market exhibits a: Cyclic Pattern.
"Stocks" generally refers to the ownership certificates of any company. The stock certificate of a company is referred to as a share, however. Those who own stock in a specific company are referred to as shareholders. Common and preferred stocks are two distinct stock types.
The two basic categories of stocks are common stock and preferred stock. Continual Supply Common shares of equity are exactly that—common. Even though preferred stock typically does not have the same voting rights as common stock, it still represents a portion of the ownership of the company. Ownership in a publicly traded company is represented by stocks. A stock purchase makes you a shareholder in the company. By way of illustration, if you purchase 1,000 of a company's 100,000 shares.
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when making a purchase, the buyer goes through a decision process consisting of all of the following: ________.
A. need recognition, product search, evaluation of alternatives, purchase decision, and post-purchase behavior
B. need recognition, information search, evaluation of alternatives, purchase decision, and product evaluation
C. want recognition, information search, evaluation of alternatives, purchase decision, and post-purchase behavior
D. need recognition, information search, evaluation of alternatives, purchase decision, and post-purchase behavior
E. need recognition, information search, product selection, purchase decision, and post-purchase behavior
Answers
The buyer goes through a decision process consisting of all of the following:
C. want recognition, information search, evaluation of alternatives, purchase decision, and post-purchase behavior
There are five fundamental steps in the decision-making process for consumers.
Consumers use this technique to weigh their options before making a purchase. Problem identification, information search, alternative assessment, buy decision, and post-purchase evaluation are the five steps.
The five-step process used by consumers to make decisions
Problem identification acknowledges the requirement for a service or goodInformation lookup assembles data Alternatives assessment: compares choices to equivalent alternativespurchasing choice actually makes a purchaseAfter-purchase analysis ponders the purchase they just madeLearn more about decision process https://brainly.com/question/1657544
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When is Cyber Monday 2021?
Answers
Answer:
Monday
, November 28
Explanation:
suppose an airline took the independent action of reducing fares on its flights. other competing airlines quickly matched the fare cuts. the competitors' actions might be interpreted as:
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In the Nash equilibrium, each player's strategy is optimal when thinking about the selections of other players.
Every participant wins due to the fact each person gets the effect they desire. The prisoners' quandary is a common recreation concept example and one that accurately showcases the impact of the Nash equilibrium.
Why Nash equilibrium is now not dominant strategy?Nash Equilibrium vs Dominant Strategy
A dominant approach is a approach which consequences in the exceptional payoff for a participant no rely what the different firm does but a Nash equilibrium represents a strategy which maximizes payoff given what the other player would do.
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https://brainly.com/question/17515037#SPJ4Which of the following securities has the highest priority with regard to the distribution of both earnings and proceeds from the liquidation of assets of a firm?
corporate bonds
proffered stock
common stock
ADRs
Answers
Corporate Bonds has the highest priority with regard to the distribution of both earnings and proceeds from the liquidation of assets of a firm. Common stock is the last among them.
Similar to an IOU, a bond is a debt obligation. By purchasing corporate bonds, investors are making a loan to the corporation issuing the bond. In exchange, the business agrees in writing to pay interest on the principal when the bond matures and, in most situations, to return the principal.
For instance, a $1,000 face value, five-year, zero-coupon bond could be bought by an investor for $800. When the bond reaches maturity, the business pays $1,000, which is equal to the $800 purchase price plus interest, or the $200 original issue discount, for the first five years.
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which of the following statements about workplace values is true? group of answer choices canadian culture views the employee-employer relationship as a family that has shared assumptions. cultures in which people often engage in casual talk during business negotiations view time in a relaxed way. cultures that have high power distance, such as those in latin america, tend to expect workers to make their own decisions. american culture focuses on networking and interpersonal relationships rather than maximizing production or planning. polychronic cultures, such as those in nigeria, believe that if you put hard work before pleasure, success will follow.
Answers
Statement (D) "American culture focuses on networking and interpersonal relationships rather than maximizing production or planning" is TRUE about workplace values.
What are workplace values?The guiding ideals that are most significant to you in terms of your working style are your workplace values. These firmly held beliefs serve as a guide for significant choices in life, including job selections, and help you distinguish between the proper and improper ways of functioning.Workplace values are the traits, tenets, and standards that are truly important to you. Knowing your work values can aid in career planning, job options exploration, and career change.American culture prioritizes networking and personal connections over increasing output or planning.Innovation, excellence, and responsibility are a few examples of fundamental values. These ideas are meant to serve as a unifying factor for the community, consumers, and employees of the business.Therefore, statement (D) "American culture focuses on networking and interpersonal relationships rather than maximizing production or planning" is TRUE.
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Correct question:
which of the following statements about workplace values is true? group of answer choices
(A) Canadian culture views the employee-employer relationship as a family that has shared assumptions.
(B) cultures in which people often engage in casual talk during business negotiations and view time in a relaxed way.
(C) cultures that have high power distance, such as those in Latin America, tend to expect workers to make their own decisions.
(D) American culture focuses on networking and interpersonal relationships rather than maximizing production or planning.
(E) polychronic cultures, such as those in Nigeria, believe that if you put hard work before pleasure, success will follow.