A loan guarantee is a type of guarantee provided by a third party, usually a government agency, to mortgage lenders. This guarantee assures the lender that if the borrower defaults on the mortgage loan, the guarantor will cover a certain portion of the lender's losses.
The main advantage of a loan guarantee is that it reduces the lender's risk, making it easier for them to sell the mortgage loan in the secondary market. When lenders can sell their loans at a better price in the secondary market, they can recover the funds they lent out and use those proceeds to make new mortgage loans available to other borrowers.
The government agencies that provide loan guarantees for mortgage loans in the United States include the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA). These agencies have specific programs that offer loan guarantees to help certain types of borrowers, such as first-time homebuyers or veterans, access affordable mortgage financing.
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hich occurs during digestion?
The mouth only allows for physical digestion.
The mouth only allows for chemical digestion.
Chemical digestion prepares the food for physical digestion.
Physical digestion prepares the food for chemical digestion.
Answer:
Digestion can be either chemical or physical - physical digestion occurs when you chew food in your mouth (mastication) or chemical when it is broken down in the stomach (via HCl), just to give a few examples. There are many examples of both chemical and physical digestion.
Explanation:
Russell United has 28,500 shares of stock outstanding and has two open seats on its board of directors. Each share of common stock is granted one vote. How many additional votes are required to guarantee a seat on the board if the company were to use straight voting rather than cumulative voting
Answer:
4,750
Explanation:
Calculation for How many additional votes are required to guarantee a seat on the board
First step is to Calculate for STRAIGHT VOTING
Using this formula
Additional Votes= ((Shares of stock outstanding/2)+1)
Let plug in the formula
Additional Votes=((28,500/2)+1)
Additional Votes=14,251
Second step is to calculate for CUMULATIVE VOTING
Using this formula
Additional Votes= ((Shares of stock outstanding/(Number of seats +1))+1)
Let plug in the formula
Additional Votes=((28,500/(2 +1))+1)
Additional Votes=9,501
Last step is to calculate How many additional votes are required
Using this formula
Additional votes =STRAIGHT VOTING additional vote-CUMULATIVE VOTING additional Votes
Let plug in the formula
Additional votes = 14,251-9,501
Additional votes = 4,750
Therefore How many additional votes are required to guarantee a seat on the board if the company were to use straight voting rather than cumulative voting is 4,750
occurs when managers cannot assign probabilities of future occurrence to possible alternatives with a decision. Select one: a. risk. b. bounded rationality. c. certainty. d. uncertainty.
The correct option is d. uncertainty. The term that describes the situation when managers cannot assign probabilities of future occurrence to possible alternatives with a decision is called uncertainty.
In uncertain situations, managers have limited knowledge about the future outcomes of their decisions, which makes it difficult for them to predict the consequences of different alternatives accurately. Uncertainty can arise due to a lack of information, changes in the external environment, or the complexity of the decision problem. In contrast, certainty refers to situations where managers have complete information about the outcomes of their decisions and can accurately predict their consequences. Risk, on the other hand, refers to situations where managers can assign probabilities of occurrence to possible alternatives with a decision. Bounded rationality is a concept that suggests that decision-makers have cognitive limitations that prevent them from making completely rational decisions. In uncertain situations, managers need to rely on their experience, intuition, and judgment to make the best possible decision. They may also use decision-making tools such as scenario planning, sensitivity analysis, and simulation to evaluate the potential outcomes of different alternatives. It is important for managers to acknowledge and manage uncertainty in their decision-making processes to avoid making costly mistakes.
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Which of the following is normative economic statement? () The unemployment rate for the United States is currently 5.4%. The inflation rate in the United States is too high. increases in the price of a good will reduce the amount purchased. higher profits in an industry will attract more entrepreneurs in the industry
The Normative statements among the given options is "The inflation rate in the United States is too high."
Normative statements are subjective judgments that express an opinion about what should or ought to be. They involve value judgments and are based on personal beliefs, preferences, or societal norms. In this case, the statement about the inflation rate being too high reflects an opinion on the ideal level of inflation, indicating a desired or preferred outcome.
In contrast, the other options provided are positive or descriptive statements that focus on stating facts or explaining cause-and-effect relationships in economics. These statements are based on objective observations and can be verified or tested.
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How is a credit union different from a bank?
O Acredit union offers services to companies instead of individuals.
A credit union only offers credit, it does not store money.
Acredit union is usually larger than a bank.
O A credit union is owned by its customers.
Answer:
a credit union is owned by its costumers (D)
Explanation:
i took the assignment!!
Suppose the price elasticity of demand for bread is 1.5. if the price of bread falls by 6 percent, the quantity demanded will increase by:_________
Suppose the price elasticity of demand for bread is 1.5. if the price of bread falls by 6 percent, then the quantity demanded will increase by " 9 percent".
If the price elasticity of demand for bread is 1.5, it implies that a 1 percent change in price will correspond to a 1.5 percent change in quantity demanded. Applying this principle, if the price of bread decreases by 6 percent, we can expect the quantity demanded to increase by 9 percent. This relationship between price elasticity and the percentage change in quantity demanded is proportional, where a decrease in price leads to a proportional increase in the quantity demanded, resulting in a 9 percent rise.
In conclusion, the price elasticity of demand for bread being 1.5 indicates that a 6 percent price decrease would lead to a 9 percent increase in quantity demanded, demonstrating a proportional relationship between price and quantity.
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Determining the earliest start time (ES) and earliest finish time (EF) for each activity is known as the _______________ through the network.A.crashingB.forward passC.slackingD.backward pass
The statement is completed as: Determining the earliest start time (ES) and earliest finish time (EF) for each activity is known as the forward pass through the network. Alternative B. is correct.
The forward pass is the process of determining the earliest start and finish times for each activity in a project network. This is done by starting at the beginning of the project and moving forward through each activity, calculating the ES and EF as you go.
The ES for the first activity is 0, and the EF is the duration of the activity. For each subsequent activity, the ES is the maximum EF of all its predecessors, and the EF is the ES plus the duration of the activity.
In conclusion, alternative B. Forward pass is correct.
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Expenses paid and recorded as assets before they are used are called.
Answer:
Prepaid expenses
explain the working mechanism of syringe with clear diagram
Pressure is used to operate a syringe. It is usually fitted with a hypodermic needle, nozzle, or tubing to help direct the flow into and out of the barrel. Plastic and disposable syringes are often used to administer medications.
Pressure is used to operate a syringe. It is usually fitted with a hypodermic needle, nozzle, or tubing to help direct the flow into and out of the barrel.
What is a syringe?A syringe is a simple reciprocating pump that consists of a plunger that fits snugly inside a cylindrical tube known as a barrel. The plunger can be pulled and pushed along the inside of the tube, allowing the syringe to take in and expel liquid or gas through a discharge orifice at the tube's front end.
A syringe is a type of pump that consists of a sliding plunger that fits tightly inside a tube. Pulling and pushing the plunger inside the precise cylindrical tube, or barrel, allows the syringe to draw in or expel a liquid or gas through an orifice at the open end of the tube. Medication is frequently administered using plastic and disposable syringes.
Therefore, the working mechanism of syringe is explained with clear diagram.
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Why would My future job be a flight attendant
Answer:
if you like to travel and be on planes and get that bag then be a flight attendant :) do what you want to!
Explanation:
brand guru martin lindstrom believes that traditional marketing research is wasted because
Martin Lindstrom believes that traditional marketing research is wasted because it often relies on self-reported data, which can be inaccurate and unreliable.
Traditional marketing research often relies on surveys, interviews, and focus groups to gather consumer insights. However, Lindstrom argues that these methods can be flawed due to various reasons such as memory bias, social desirability bias, and limited self-awareness. People may not always accurately remember their past behaviors or accurately predict their future behaviors.
Lindstrom suggests that a more effective approach is to observe and analyze consumer behavior in real-life contexts. This can be done through methods such as ethnographic research, where researchers directly observe consumers in their natural environments. By studying their actions, behaviors, and interactions with products and brands, more accurate insights can be obtained.
Overall, Lindstrom believes that traditional marketing research is often unreliable and that observing real-life consumer behavior is a more valuable and accurate way to understand consumers and make informed marketing decisions.
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The ability to interact, be responsible, persevere, be a team player, be motivated, and problem solve are examples of _______________ skills valued by employers.
a. Trade
b. Technical
c. Critical
d. Automatic
Answer:
b. Technical
Explanation:
The ability to interact, be responsible, persevere, be a team player, be motivated, and problem solve are examples of technical skills valued by employers.
Why is having a professional profile recommended over a simple objective statement?
Answer:
The resume profile is usually slightly longer than the objective and should quickly communicate to hiring managers why you are a good fit for the position. Some employers prefer a profile over an objective because they'll typically learn more about the candidate's background.
Explanation:
that way the person interviewing you knows what ur good at and what ur abt if uve been to jail or prison or was a bad kid in ur childhood
Disadvantages of choosing a job that is extremely popular or in demand
The disadvantage of choosing a job that is very popular or a job that is in high demand is that after a while such a job may become saturated or it would become monotonous.
What is a high demand job?This is the term that is used to refer to a job that the people that wpould employ labor are constantly in need of. Such a job is one that would require the people that have the qualification to opt in and get the places and the roles that they are to fill.
The issues that may arise from such a job that is in high demand is that after a period, such a job may have a lot of persons that would want to fulfil the role.
The number of qualified persons may become more than the job that is available for the people to do in the long run.
Hence this is a disadvantage. Therefore I would conclude by saying that the disadvantage of choosing a highly popular job is that the number of persons that are willing to fulfil the role may exceed the job overtime.
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pricing is the only element of the marketing mix which gives a)rupee b) cost c) price d) sales revenue
singapore has moved from an apparel producing nation to apparel consuming.
T/F
True. Singapore has transitioned from being an apparel producing nation to becoming an apparel consuming nation.
Historically, Singapore had a thriving apparel industry and was known for its manufacturing capabilities. However, over the years, the country has experienced a shift in its economic landscape, transitioning from labor-intensive industries to more knowledge-based sectors. As a result, Singapore's apparel production has significantly declined, and the country has become more reliant on importing apparel to meet its domestic consumption needs.
This shift can be attributed to several factors, including rising labor costs, competition from lower-cost manufacturing countries, and a focus on developing higher-value industries. As Singapore's economy evolved and diversified, its focus shifted towards sectors such as finance, technology, and services, which led to a decline in apparel production.
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What is likely consequences of introducing an export subsidy paid to domestic producers to protect against foreign producers?
A.increase the price of goods and services
B.it will rise revenue for the government
C.it provides an. incentive for products to be efficient
D.it reduces the domestic producers’ costs of production and this enable to domestic producers to reduce the selling price in order to stay competitive
Happy Trails, Inc. manufactures railway coaches and uses the FIFO method of process costing to record costs. The WorkminusinminusProcess Inventory of the Heating Department on October 1 was 73% complete for materials and 23% complete for conversion costs. On October 31, its ending WorkminusinminusProcess Inventory was 80% complete for materials and 43% complete for conversion costs. This means that for the ending inventory, ________% of the materials and ________% of the conversion costs were added during October.
Answer:
80 % of materials ; 43 % of conversion costs
Explanation:
The FIFO method traces equivalent units for materials and conversion costs for the following categories :
Opening Work in Process unitsUnits started and completedEnding Work in Process unitsSo the units not completed from last months are the first to be completed during the month (hence To finish Opening Work in Process). During the year there are units started and completed (hence Units Started and Completed) and units started that never gets completed (hence Ending Work in Process units).
All these physical units need to be expressed to the percentage of work done on them - equivalent units.
The question is focusing on Number 3 - Ending Work in Process units. So 80 % of materials and 43 % of conversion costs were added during October for these units.
_____________________ are a form of tax and spending rules that can affect aggregate demand in the economy without any additional change in legislation. Standardized employment budgets Discretionary fiscal policies Automatic stabilizers Budget expenditures
Fiscal policy.
Fiscal policy involves changes in taxes or spending (government budget) to achieve economic goals. Changing the corporate tax rate would be an example of fiscal policy. fiscal policy: changes in Federal government spending or tax rates for the purpose of influencing the macroeconomy.
Discretionary Fiscal Policy: government spending and tax changes enacted at the time of the problem to alter the economy. Nondiscretionary Fiscal Policy: that set of policies that are built into the system to stabilize the economy (sometimes called automatic stabilizers).
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I NEED HELP!!!!!!!!!!!!!!!!!!
Answer:
I am not home, I'm at church service will return home on Tuesday
review the table below. highlight or circle the option for bodily injury coverage you would purchase. in the box below, explain why you chose your selection.
to anyone who can help, thanks
The bodily injury coverage that would be purchased in this case is the C. Enhanced Option with maximum coverage of $300,000 and a premium of $85.
What is an insurance premium?An insurance premium is a periodic fee that the insured pays to the insurer for the insurance contract.
The premium is meant to be a contribution of all the insured which the insurer pools together to meet the event of a loss.
Thus, the bodily injury coverage that would be purchased in this case is the C. Enhanced Option with maximum coverage of $300,000 and a premium of $85.
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Dan is the President of a major corporation. He is hiring a new Vice President, and while he knows Lauren is the most qualified for the job, he selects George for the position. This is an example of ______.
The fact that Dan picked George over Lauren even though Lauren was the most qualified shows homosocial reproduction.
What is homosocial reproduction?This refers to when people employ or choose people for a position that they feel are more like them.
Dan selected George over Lauren because he felt that George was more like him and so could be trusted better.
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Identify the three key roles of the scrum process.
multiple select question.
a. Product owner b. Development team c. Product champion
d. Technical lead e. Scrum master
The three key roles of the scrum process includes a. Product owner, b. Development team, e. Scrum master.
What do Scrum processes entail?Scrum is an agile software development methodology that relies on incremental and iterative processes. Scrum is an agile framework that is quick, flexible, adaptable, and effective and is made to provide value to the client throughout the course of the project.
Scrum is a particular kind of agile framework. It is a framework within which people can address complex adaptive problems while maintaining the highest levels of productivity and creativity in the product they deliver. Iterative process is used in Scrum.
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3. ______ are defined as goods or services that are required for health and safety.
Occupational Health and Safety are defined as goods or services that are required for health and safety. Information standards are guidelines governing the information that must be provided to consumers when they purchase specific goods.
What is the safety of goods?A safe product is one that delivers either no risk or a minimum tolerable level of risk, taking into account the product's typical or reasonably foreseeable use and the need to maintain a high level of consumer protection.
Occupational health and safety is a multidisciplinary discipline that deals with all elements of workplace health and safety, with a heavy emphasis on preventing workplace dangers.
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I don't have moey. What is the best job to get when you're in middle school?
Answer:
You can work at publix as a cashier. They acept 14 year olds. And ur in 8th grade as 14 which is in middle school.
Explanation:
This is the best job u can get as a kid
also brainlist me pls
Controlling total health care expenditures by restricting financing for health insurance.
a) Underwriting
b) Demand-side rationing
c) Top-down control
d) Underutilization
Controlling total health care expenditures by restricting financing for health insurance is typically associated with: b) Demand-side rationing
Demand-side rationing refers to measures aimed at controlling health care costs by limiting the financial resources available to individuals for accessing health services. In this context, restricting financing for health insurance means placing limitations on the coverage and benefits provided by health insurance plans. This approach aims to reduce overall health care spending by placing financial constraints on consumers and encouraging them to be more selective in their utilization of health care services.
Underwriting, on the other hand, refers to the process of assessing and evaluating the risk of providing insurance coverage to individuals or groups based on their health status, medical history, and other relevant factors. Underwriting is not directly related to controlling total health care expenditures through restrictions on financing.
Top-down control refers to centralized decision-making and management of health care resources, where decisions are made at the organizational or governmental level. While it may involve some form of cost control, it is not specific to restricting financing for health insurance.
Underutilization refers to the underutilization of health care services by individuals, either due to limited access, financial constraints, or personal choices. While restricting financing for health insurance may lead to underutilization in some cases, it is not the direct term used to describe this phenomenon.
Therefore, option b) Demand-side rationing is the most appropriate choice for controlling total health care expenditures by restricting financing for health insurance.
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Ark Electronics plans to pursue a global advertising strategy. This means that
Multiple Choice
it must avoid advertising in foreign markets and rely instead on other elements of its promotion mix, such as personal selling and public relations.
it will use television for promoting its products in every country.
it will develop a single promotional strategy that can be implemented worldwide.
it must charge the same price in every market.
The right response is that it will create a single marketing plan that can be used globally.
Creating a single advertising campaign and message that can be used across numerous nations or regions is the goal of a global advertising strategy. This strategy takes into account cultural variances and local market situations while attempting to develop a consistent brand image and message across many markets.
Therefore, the best response is, "It will develop a single promotional strategy that can be applied globally." Because a worldwide advertising plan frequently entails promoting in foreign markets, Option A is inaccurate.
since market conditions in each country or location and the target audience will determine the specific advertising media chosen.
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What do you think are the defining characteristics of a science? does the study of the economy have these characteristics? do you think macroeconomics should be called a science? why or why not?
The defining characteristics of a science include systematic observation, experimentation, and the use of empirical evidence to develop theories and make predictions about the natural world.
Science relies on the principles of objectivity, testability, and reproducibility to ensure the reliability of its findings.
When it comes to the study of the economy, it does exhibit some of these characteristics. Economics uses systematic observation and data collection to understand how individuals, businesses, and governments make choices regarding the allocation of resources. It employs various methods such as statistical analysis and mathematical models to analyze economic phenomena.
However, the study of the economy differs from other natural sciences in some ways. Economic phenomena involve human behavior, which can be influenced by social, cultural, and psychological factors. This makes the study of the economy more complex and subjective compared to the study of natural phenomena.
As for whether macroeconomics should be called a science, it is a topic of debate among scholars. Some argue that macroeconomics meets the criteria of a science because it uses empirical evidence, mathematical models, and theories to explain and predict aggregate economic phenomena at the national or global level. Others contend that the complexity and unpredictability of the economy, combined with the subjective nature of human behavior, limit the ability of macroeconomics to meet the rigorous standards of a natural science.
In summary, the defining characteristics of a science involve systematic observation, experimentation, and the use of empirical evidence to develop theories and make predictions. While the study of the economy does exhibit some scientific characteristics, the subjective nature of human behavior and the complexity of economic phenomena make it debatable whether macroeconomics can be considered a true science.
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How can you use feedback from your clients?
a. To practice reflective listening
b. To improve your effective communication
c. To improve your trust and rapport with your clients
d. To improve your skills and craft
A company has provided the following account balances: Cash $39,300; Short-term investments $5,300; Accounts receivable $7,300; Supplies $54,500; Long-term notes receivable $3,300; Equipment $102,500; Factory Building $193,000; Intangible assets $7,300; Accounts payable $28,700: Accrued liabilities payable $3,350; Short-term notes payable $16,600; Long-term notes payable $98,500: Common stock $193,000; Retained earnings $72,350. What are the company's total current liabilities?
Current Liabilities are all those debts that must be paid within a year. To find out the current liabilities, we will need to add up all the liabilities of a company that must be paid within a year.
Here are the current liabilities of the given company: Accounts payable = $28,700Accrued liabilities payable = $3,350Short-term notes payable = $16,600Total Current Liabilities = $28,700 + $3,350 + $16,600.
Total Current Liabilities = $48,650Therefore, the total current liabilities of the company are $48,650.
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