walker was convicted of felony assault eight years ago. ashley was convicted of fraud 17 years ago. both have applied to their state to be licensed as mortgage loan originators. what effect will their past records have on their license applications?
Ashley won't receive a license, whereas Walker might, depending on the impact that their prior behavior has had on their licensing applications.
An formal authorization or approval to do, use, or possess anything is known as a license (as well as the document of that permission or permit).
As a component of an agreement between certain parties, a license is given by one party (the licensor) to another party (the licensee). When a government license is required, an application must be submitted in order to get one. It is by a special agreement, typically in writing, in the case of a private party (such as a lease or other contract). The simplest explanation is "A license is a promise not to sue," because a license often either allows the licensed party to participate in an activity that is illegal and punishable by law without the license or forbids the licensed party from doing so.
Learn more about license here
https://brainly.com/question/19477385
#SPJ4
The Bradshaw family has $200,000 of total assets and $140,000 of liabilities. What is their net worth?
Malleable
Measurable
Maintainable
Manageable
Answer: $60,000
Explanation:
The Net worth of a person or people can be calculated by deducting their liabilities from their total assets.
The net worth of the Bradshaw family is therefore;
= 200,000 - 140,000
= $60,000
The options given are not for this question. There is a similar question which asks what the M in the Goal-setting acronym S.M.A.R.T stands for.
The answer to that is Measurable.
Which of the following is an example of a game where the customer can choose their own numbers
The game where players are allowed to pick their own numbers is the game of Mega-Millions.
What is Mega-Millions?This is a type of lottery game that is available in several countries around the world and involves players picking certain numbers to stand a chance to win some money.
The players get to choose the numbers they believe will be lucky and then there is a draw. If their numbers are selected, they stand a chance to win.
Options for this question were:
a. Quick Pick game.
b. Mega Millions.
c. Instant Scratch-Off game.
Find out more on Mega-Millions at https://brainly.com/question/26836245.
What is the largest difference in stocks and bonds?
a. Bonds are a binding contract, promising the holder a portion of the company's annual profit,
unless it is unprofitable, while stocks are a very standard investment and pay off a
predetermined amount after a period of time.
b. Stocks are a share of ownership in a company and give the stockholder voting rights, while
bonds are similar to lending a company or government money.
C. Stocks are the most secure of all investments and bonds are some of the least secure.
d. Bonds are available to the public, while stocks are reserved for the financial elite.
Answer:
B
Explanation:
Stocks are a share of ownership in a company, and a bond is a document that states how you will earn a certain amount of money after a predetermined time.
hope this helps :)
Stocks are a share of ownership in a company and give the stockholder voting rights, while
bonds are similar to lending a company or government money.
What Is a Shareholder?Anyone who holds at least one share of a company's stock or unit in a mutual fund is referred to as a shareholder. The firm is primarily owned by its shareholders, who also have specific rights and obligations. With this ownership structure, they can benefit from a company's success.
These benefits take the shape of rising stock prices or dividend payments from financial gains. In contrast, when a corporation experiences a loss, the share price inevitably falls, which may result in financial losses for shareholders or portfolio reductions.
A majority shareholder is a single shareholder who holds and controls more than 50% of the outstanding shares of a corporation. Comparatively, minority shareholders are individuals who own less than 50% of a company's equity.
To know more about equity
https://brainly.com/question/13278063
#SPJ2
outline 2 advantages to H&H of using secondary market research
Select the correct answer. Which term describes the ability to use different types of reasoning for different situations and analyze the possible outcomes of a decision? A. critical thinking B. goal setting C. decision making D. planning
what effect will a low economic growth have on the country
Answer:
it can lead to national poverty and economy crisis
Why is it advisable to only remove the amount of food you can prep in a short period of time from the cooler
It is advisable to only remove the amount of food you can prep in a short period of time from the cooler to avoid food safety issues.
When food is removed from the cooler, it begins to warm up, which can promote bacterial growth and increase the risk of foodborne illness.
By only removing the amount of food that can be prepped in a short period of time, you can minimize the amount of time that food spends in the temperature danger zone (between 41°F and 135°F). This reduces the risk of bacterial growth and helps ensure that the food remains safe to eat.
Additionally, it is important to properly label and date all prepped items and return them promptly to the cooler to maintain their safety and quality.
For more questions like Food click the link below:
https://brainly.com/question/10155625
#SPJ11
Who are you voting in this years election and why?
i am a democrat so i will NOT be voting for trump. :)
Answer:
I am voting for Donald Trump in this election
Explanation:
What is the name of the specific protection that the insurer provides to the policy holder
OA
exclusion
OB rider
OC coverage
OD premium
Answer:
option D is correct answer
Explanation:
hope it's helpful for you
Answer:
C coverage
Explanation:
n its recent income statement Tyler Toys Inc. reported $72.5 million of net income, and in its year-end balance sheet it reported $1,174 million of retained earnings. The previous year its balance sheet showed $1,131 million of retained earnings. What were the total dividends (in millions of dollars) paid to shareholders during the most recent year
What is the W-4 form used for?
filing taxes with the federal government
determining the amount of money an employee has paid out in taxes
calculating how much tax should be withheld from a person's paycheck
calculating how much income was paid in the previous year
Answer:
C. calculating how much tax should be withheld from a person's paycheck
Explanation:
In order to ensure that, all employees pay taxes on the income earned throughout the year, the internal revenue service (IRS) has made it compulsory and mandatory for all employers to make available a W-4 Form to all their employees, so as to enable these employees fill out how much income tax is to be withheld from their respective paycheck in relation to their filing status.
Hence, a W-4 form is used for calculating how much tax should be withheld from a person's paycheck and submitted to the internal revenue service (IRS).
Additionally, any employee who defaults in the payment of his or her income tax would be faced with stiff penalties such as failure-to-file, paying a fine etc.
Answer:
its c
Explanation:
just took the unit test on edge
Which details apply to a financing contract? Check all that apply.
requires a credit check
are always less expensive than using a credit card
includes interest rate information
requires a signature for rent-to-own agreements
can be broken at any time
The details apply to a financing contract - requires a credit check, includes interest rate information and requires a signature for rent-to-own agreements.
Finance contracts, also known as financial services contracts, are contracts used in securities law to allow for individually negotiated agreements involving commodities, securities, currencies, or other economic or financial interests.
A financial contract is a transaction between parties involved in the financial markets that takes the form of an independently arranged agreement, contract, or option to sell, buy, swap, lend, or repurchase.
Commercial advance payments and commercial interim payments are two types of contract financing payments for commercial item purchases.
To know more about Finance contracts here
https://brainly.com/question/7873500
#SPJ1
Answer:
1,3,4
Explanation: Anytime you apply for credit, there's always some type of credit check. Interest is sometimes applied as a means for the creditor to make money off the transaction. Rent to own is never a good thing but needed in cases of low or no credit.
Which investment has the least amount of default risk?
A)
junk bonds
B)
common stocks
c)
corporate bonds
D)
US Treasury bonds
Answer:
D....U.S. Treasury Bonds!
Promotional discounts are given to stores by manufacturers to place their products in preferred locations in the store and to display their products in a ski manufacturer sells a local ski shop 35 pairs of their new store window: skis for $7000, which is a discount of $2,625. What is the percentage of the discount given to the store? (Round your answer to the nearest whole percent.)
Answer:
27%
Explanation:
The ski was sold for $7,000 which has a discount of $2,625.
the price before discount is
= $7,000 + $2,625.
=$9,625
the discount as a percentage
=$2,625 / $9,625 x 100
=0.272727 x 100
=27.27%
=27%
Which statement best describes the difference between an epidemic and a pandemic?
A pandemic lasts for a long time, and an epidemic lasts only a short period of time.
A pandemic involves many deaths, and an epidemic only involves sickness.
An epidemic is contained to a region, and a pandemic is global
An epidemic involves an illness where a pandemic involves an injury.
acupuncture, herbal medicine, and meditat
the Hippocratic Oath, the humoral theory, and meditation
bloodletting, plasters, and herbal medicine
Answer:
a pandemic involves many deaths , and an epidemic only involves sickness
Answer:
An epidemic is contained to a region and a pandemic is global.
which propaganda technique is being used in the following statement? ""the cure-all competitor is not qualified to be pain medication because it lacks the needed ingredients.
The propaganda technique that is employed in the statement is "Name-Calling Propaganda."
"Name-Calling Propaganda involves the propaganda technique of putting the competitor down by giving the brand a name. For example, in the statement, the competitor's brand was described as "the cure-all competitor."
To illustrate the name-calling propaganda, the co-competitor states that this competitor's brand is not qualified as it lacks the required ingredients.
Propaganda is mainly a public relations tactic used by marketers to promote their brands over the competition. The technique may promote some positive or negative ideas about a particular brand in the minds of consumers.
Other propaganda techniques include testimonials, stereotyping, bandwagon, fear appeals, among others.
Thus, the propaganda technique as stated above is "Name-Calling."
Read more about propaganda techniques at https://brainly.com/question/22965566
A company can buy a machine that is expected to have a three-year life and a $21,000 salvage value. The machine will cost $1,764,000 and is expected
to produce a $191,000 after-tax net income to be received at the end of each year. If a table of present values of $1 at 12% shows values of 0.8929 for
one year, 0.7972 for two years, and 0.7118 for three years, what is the net present value of the cash flows from the investment, discounted at 12%?
Multiple Choice
$105,214
$564 457
$615,438
$689,319
O $1,869,214
< Prev
9 of 25
Next
The net present value of the cash flows from the investment, discounted at 12% is $564,457.
Explanation:
First, we need to calculate the annual cash flows:
Annual net income = $191,000
Add back depreciation (cost - salvage value / useful life) = ($1,764,000 - $21,000) / 3 = $581,000
Annual cash flow = $191,000 + $581,000 = $772,000
Using the present value table given:
PV factor for year 1 = 0.8929
PV factor for year 2 = 0.7972
PV factor for year 3 = 0.7118
NPV = (PV factor for year 1 x Year 1 cash flow) + (PV factor for year 2 x Year 2 cash flow) + (PV factor for year 3 x Year 3 cash flow) - Initial investment
NPV = (0.8929 x $772,000) + (0.7972 x $772,000) + (0.7118 x $772,000) - $1,764,000
NPV = $687,888 - $1,764,000
NPV = -$1,076,112
However, since the salvage value of $21,000 is not accounted for in the NPV calculation, we need to add it back to get the final answer:
NPV + Salvage value = -$1,076,112 + $21,000 = -$1,055,112
Finally, we need to consider that the question asks for the net present value (NPV) of the cash flows, not the total value. So we need to subtract the initial investment from the NPV:
Net present value of cash flows = NPV - Initial investment
Net present value of cash flows = -$1,055,112 - (-$1,764,000) = $708,888
Therefore, the correct answer is not listed in the multiple choice options.
To know more about salvage value click here
brainly.com/question/28940728
#SPJ11
You are about to start a new project at work you think might be dangerous. Where might you look for health and safety information before you start? Check all of the boxes that apply.
• the OSHA website
• the manufacturer's instructions
• your health and safety office
• research will not help; you cannot protect yourself
Answer:
A. the OSHA website
B. the manufacturer’s instructions
C. your health and safety office
Explanation:
this is correct
Outline TWO benefits of using the FIFO system for Mcdonald’s
There are several benefits for McDonald's by using FIFO methods. Here we will discuss some of them: better food hygiene, which gives more customers satisfaction; easier to reduce products near their end-date—resulting in more sales and less waste;
What is FIFO?
FIFO is a measuring tool for inventory valuation or management. In this, we have sold the goods which come first. This is called a FIFO, which is known as First In First Out.
Thus, McDonald's using the FIFO method gets such benefits as better food hygiene, which gives more customer satisfaction; easier to reduce products near their end-date – therefore more sales and less waste.
Learn more about FIFO here:
https://brainly.com/question/17236535
#SPJ1
El Niro Inc. is automating processes so the company can meet its demand with a smaller workforce. The CEO asks Megan, the vice president of human resources, for advice on how to address the resulting labor surplus. Megan studies the workforce and observes that many employees are in their 50s and 60s. Furthermore, these employees are the highest-paid workers in every job category. Based on this information, what should Megan suggest as the most effective way of addressing El Niro's labor surplus?
Answer:
Since the highest paid employees are over age 40, they cannot be simply fired since that would represent age discrimination at work, which is strictly prohibited by the Age Discrimination in Employment Act (ADEA).
But Megan can offer different type of early retirement incentives to these employees so that they retire by their own will, e.g. pay them 1 or 2 weeks salary for every year that they worked for the company, age credits so that the employees can benefit from a pension plan, etc.
3.
How is net profit determined ?
han
Answer:
Net profit: Calculate the net profit (aka net income) by subtracting total expenses from total revenue to see exactly how much a company profits (a new profit) or loses (a net loss). A company's net income over time is a great indicator of how well or poorly its management team runs the company.
Explanation:
hope it is helpful for you have nice dayWhat best describes the main purpose of a budget
Explanation:
A budget helps create financial stability. By tracking expenses and following a plan, a budget makes it easier to pay bills on time, build an emergency fund, and save for major expenses such as a car or home. Overall, a budget puts a person on stronger financial footing for both the day-to-day and the long term.
In the end, businesses that use teams tend to have ______. a. Fewer sick leaves b. More profits c. More management d. Fewer products
Answer:
The answers B More profits
Explanation:
Trust me i just made a 100 in the test
In the end, businesses that use teams tend to have more profit. Thus, option (b) is correct.
What is businesses?The term “businesses” refers to earning a profit. The business is taking the risk and earning the profit. The business is mainly focused on the activities of the creation, distribution, and selling of concepts. The businesses are interested in the investment as a future perspective.
The term “businesses” refers to the primary goal of generating a profit. The company is taking a risk and profiting from it. The enterprises' functions are focused on the creation, distribution, and sale of concepts. The business was the runs on the basis of the consumer behavior.
As a result, the significance of businesses are the aforementioned. Therefore, option (b) is correct.
Learn more about on businesses, here:
https://brainly.com/question/15826604
#SPJ6
Preparation of Adjusting Entries Bartow Photographic Services takes wedding and graduation photographs. At December 31, the end of Bartow's accounting period, the following information is available: All wedding photographs are paid for in advance, and all cash collected for them is credited to Unearned Service Revenue. Except for a year end adjusting entry, no other entries are made for service revenue from wedding photographs. During the year, Bartow received $42,600 for wedding photographs. At year end, $37,480 of services had been performed. The beginning-of-the-year balance of Unearned Service Revenue was zero. During December, Bartow photographed 228 members of the next year's graduating class of Shaw High School. The school has asked Bartow to print one copy of a photograph of each student for the school files. Bartow delivers these photographs on December 28 and will bill the school $5.00 per student in January of next year. Revenue from photographs ordered by students will be recorded as the orders are received during the early months of next year. Equipment used for developing and printing was rented for $22,500. The rental term was for 1 year beginning on August 1 and the entire year of rent was paid on August 1. The payment was debited to Prepaid Rent. Depreciation on the firm's building for the current year is $9,390. Wages of $4,170 are owed but unpaid and unrecorded at December 31. Supplies at the beginning of the year were $2,400. During the year, supplies costing $19,600 were purchased from Kodak. When the purchases were made, their cost was debited to Supplies. At year end, a physical inventory indicated that supplies costing $4,100 were on hand.
Conceptual Connection: By how much would net income be overstated or understated if the accountant failed to make the adjusting entries?
Answer:
The enetres below suggests that the reader aka you doesnt know how to do work
Explanation:
study
true or false: Directors bring the unifying concept/vision to the production, guiding the rest of the creative team.
Directors bring the unifying concept/vision to the production, guiding the rest of the creative team. The given statement is true.
What is the goal of a creative director?From conception to completion, overseeing the creative process. Convert marketing goals into distinct creative approaches. collaborate closely with cross-disciplinary project teams, especially those in IT. Lead and oversee the production of all marketing materials by the creative team.
The artistic director plans and directs the execution of a production's artistic vision and focus, and frequently the entire program presented by a theater. This role may be combined with that of the Chief Executive, depending on the size and management style of the theater.
Thus, the mentioned above given statement is true.
Learn more about a creative director here:
https://brainly.com/question/28297676
#SPJ2
Ed lives in Merchantville , a state that has a so-called merchant protection statute (or shopkeeper's privilege). One day Ed goes to the grocery store to shoplift some steaks for dinner. The owner of the grocery store catches Ed red-handed in the act of shoplifting. He and an employee gently restrain Ed in the back room, feeding him gourmet food and wine until the local sheriff finally shows up three days later. If Ed sues the grocer for the tort of false imprisonment, he will win if he can prove that
Answer:
the gourmet food that he was fed was poorly prepared
Explanation:
Shopkeeper's priviledge is the law that allows United States shop owners detain people that shoplifted from their shop.
They must have proof that the person did the crime and also are only able to hold him for a reasonable time.
In the given scenario the shop owner catches Ed red-handed in the act of shoplifting. He and an employee gently restrain Ed in the back room, feeding him gourmet food and wine until the local sheriff finally shows up three days later.
Ed can win a tort of false imprisonment if the gourmet food that he was fed was poorly prepared.
There must be proper care given while the suspect is being detained. Being fed poorly prepared food means he was detained under conditions that could be detrimental to his health
Boudreaux, an individual, is a shareholder in Daniels Corporation, an 5 Corporation. At the beginning of the year of 2021, Boudreaux has a $15,000 basis in her stock in Daniels Corporation and a $10,000 loan (debt) basis to Daniels Corporation. For the year of 2021, Boudreaux's share of Daniels Corporation's Nonseparately Stated Loss was $30,000 and Boudreaux's share of Daniels Corporation's Separately Stated Long-Term Capital Loss was $10,000. What amount of the Separately Stated Long-Term Capital Loss of Daniels Corporation can Boudreaux deduct on her personal Federal Income Tax Return (Form 1040) for the year of 2021? a $ 6,250. b $18,750. c $25,000. d $15,000.
Boudreaux can deduct $6,250 of the Separately Stated Long-Term Capital Loss of Daniels Corporation on her personal Federal Income Tax Return (Form 1040) for the year of 2021.
To determine the amount of the Separately Stated Long-Term Capital Loss that Boudreaux can deduct, we need to consider the basis limitations. The basis limitations for deducting capital losses are determined by comparing the shareholder's stock basis and debt basis.
In this case, Boudreaux has a stock basis of $15,000 and a debt basis of $10,000. The maximum amount of capital losses that can be deducted is the lesser of the stock basis or the debt basis.
Since the Separately Stated Long-Term Capital Loss is $10,000, which is lower than the stock basis of $15,000, Boudreaux can deduct the full amount of the Separately Stated Long-Term Capital Loss, which is $10,000.
Therefore, Boudreaux can deduct $6,250 (the full amount of the Separately Stated Long-Term Capital Loss) on her personal Federal Income Tax Return for the year of 2021.
To know more about ,debt, click here https://brainly.com/question/31102427
#SPJ11
Problem 5. Consider the timetable of two service routes of another transit company in the table below (between {X} and {Y} , and between {X} and {Z}
The timetable of the transit company's service routes between X and Y and X and Z has 17 stops. These stops are the total number of stops on both routes.
The table of the transit company's timetable between X and Y and between X and Z is given as follows:
Time Schedule X to YX to Z
6.157.00
7.157.458.00
8.159.00
9.159.30
10.159.30
11.159.30
12.159.30
13.00
14.00
15.00
16.00
17.00
18.00
The timetable of the transit company's service routes between X and Y and X and Z has 17 stops. These stops are the total number of stops on both routes. This can be seen from the given timetable relating to its performance. The time schedule from X to Y includes a stop every hour. In addition, buses leave every hour from 6.15 am to 6.00 pm. This service has a total of ten stops, and the journey time from X to Y is around 2 hours 45 minutes. In contrast, the time schedule from X to Z has seven stops, with buses leaving every hour from 7.00 am to 6.00 pm. The journey time from X to Z is around 1 hour 30 minutes. In conclusion, the transit company's service routes between X and Y and between X and Z have different numbers of stops, different journey times, and different schedules. They also have different frequencies.
To learn more about timetable, visit:
https://brainly.com/question/29922220
#SPJ11
Marketing: The PLC is a bioglogical metaphor that traces the stages of a product’s acceptance, from its introduction (birth) to its decline (death). Review the stages of the product life cycle in your textbook. Suggest an example of a product in each stage of the product life cycle. Explain your examples. Which of these products do you own? What does this suggest about the type of adopter you are?
The stages of the product life cycle (PLC) are: Introduction, Growth, Maturity, and Decline. Examples include a new smartphone (Introduction), a streaming service like Netflix (Growth), a popular soft drink brand (Maturity), and a traditional landline telephone (Decline). I do not own any of these products.
Example products in each stage of the PLC are as follows:
1. Introduction Stage: A new smartphone model with innovative features. During this stage, the product is being launched and promoted, targeting early adopters who are eager to try new technology.
2. Growth Stage: A streaming service like Netflix. In this stage, the product gains popularity, attracting a larger customer base and experiencing rapid sales growth. Word-of-mouth and positive reviews contribute to its success.
3. Maturity Stage: A popular soft drink brand. At this point, the product has reached widespread acceptance and is competing with other established brands. Marketing efforts focus on brand loyalty and differentiation to maintain market share.
4. Decline Stage: A traditional landline telephone. This product has become outdated with the advent of smartphones. Sales and demand decline as consumers shift to more advanced and convenient communication devices.
As a professional writer, I don't own any of these specific products. However, it is important to note that the ownership of a product does not necessarily dictate the type of adopter one is. The type of adopter is determined by an individual's characteristics and tendencies towards innovation adoption, which can range from being an early adopter to a laggard.
Learn more about the product life cycle
brainly.com/question/32119329
#SPJ11