When Shelby Mann interviews a potential loan customer to find out exactly why the person needs the loan and whether he would be serious about repaying the loan, she is evaluating the customer's character and sincerity. So, The correct option is A.
Interviews a potential loan customerLoan officers have various roles to play when it comes to approving or denying loans. They are responsible for determining whether an applicant qualifies for a loan based on a variety of criteria, including the borrower's financial status and history, collateral, and repayment capacity.
When it comes to evaluating loan applicants, the loan officer must consider many factors, including the applicant's character, which includes their level of sincerity. Loan officers must ensure that applicants are trustworthy and capable of repaying the loan before approving it, and they do this by interviewing them, verifying their credit history, and other means.
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What would be the net present value of a microwave oven that costs $189 and will save you $75 a year in time and food away from home? Assume an average return on your savings of 9 percent for five years. Use Exhibit 1-D (Round time value factor to 3 decimal places and answer to 2 decimal places.) Net present value
The net present value of oven that costs $ 189 and saves $ 75 a year is calculated as $ 102.75
n = Number of years = 5
r = Rate = 9%
Net present value = Annual savings × (1-(1+r)⁻ⁿ)/r - Initial cost
Net present value = 75 × (1-(1+9%)⁻⁵ )/9% - 189
Net present value = 75 × 3.890 - 189
= 102.75
The value of an investment over its lifetime, reduced to its current value, is referred to as its NPV, or net present value. In investment banking and accounting, the NPV formula is frequently used to determine whether an investment, project, or company will be profitable in the long run.
The time value of money can be calculated by using the net present value formula to determine the current value of anticipated cash flows. By utilizing a markdown rate and future incomes at a foreordained rate, the NPV equation helps with evaluating in the event that the underlying speculation is worth the effort or not.
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True or false: how audience members perceive a business presentation speaker's authenticity impacts how they regard the speaker's message
Definitely true. If the speaker doesn’t seem authentic, the message doesn’t seem as important to listen to.
determine the 2019 value of the 1979 minimum wage if it had grown at the same rate as the ceo compensation
Since the early 1970s, wages in the US have remained unchanged. Workers' earnings increased by 17.5% between 1979 and 2020, but productivity increased by 61.8%, more than three times as quickly.
What benefits does a CEO get?The CEO of a corporation typically earns the most money. Along with your base pay, you may be eligible for bonuses, stock options, and benefits like a corporate car, country club membership, free or discounted housing, among others.
According to Lawrence Mishel, a senior scholar at the Economic Policy Institute, CEO pay comprises of wages, as well as highly profitable bonuses, long-term incentives, and, most crucially, stock options, which account for over 85% of CEO remuneration.
Thus, Since the early 1970s, wages in the US have remained unchanged.
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"Retail Sales" are to the ultimate consumer, in small quantities, while "Wholesale Sales" are typically associated with business to business transactions and involve large quantitiesa. trueb. false
True. Retail sales involve the sale of goods and services to the end consumer in smaller quantities.
These transactions often take place in stores, online, and through door-to-door sales. On the other hand, wholesale sales involve large quantity sales between businesses. These typically take place in bulk, and are not intended for direct use by the end consumer. Retail sales refer to the sales of goods or services to the ultimate consumer in small quantities, usually through physical storefronts or online platforms. The purpose of retail sales is to make products and services accessible to individuals, households, or small businesses for personal consumption or use.
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the first era in marketing was a focus on producing as much as possible because of high demand. this was termed the era which was followed by the selling era, the marketing concept era and finally the customer relationship era..
The first era of marketing was focused on producing as much as possible due to high demand. This was called the production era, which followed the sales era, the marketing concept era, and finally the customer relationships era.
The era of production in marketing, had as its main objective to increase production to meet demand, that is, the more a company could produce and distribute products in the markets, the better positioned it would be.
Marketing therefore evolved and new concepts emerged, and currently marketing is in the customer relationship era, which was impacted by new technologies and digital media.
The customer relationship era has as its main objective the creation of value and customer engagement with the company, which constitutes a relevant competitive differential.
Currently, businesses face greater competitiveness, so companies are looking for ways to stand out in the market to attract and retain their customers, through strategies that increase their value and satisfaction for consumers.
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Write a generalization about the relationship between price and the quantity supplied
Answer:
PRICE CHANGES
Price and quantity supplied are directly related. As price goes down, the quantity supplied decreases; as the price goes up, quantity supplied increases. Price changes cause changes in quantity supplied represented by movements along the supply curve.
What type of contract is a hire purchase agreement?
Discuss the importance of vision, mission, goals, and objectives setting within the context of the business environment.
PLEASE HURRY THIS IS A TEST
Answer:
All of these options are critical in setting the trajectory of the business. A vision statement is a brand looking toward the future and saying what it hopes to achieve through its mission statement. A mission statement clarifies what the company wants to achieve, who they want to support, and why they want to support them. Business goals define the "what" of a business's purpose whereas business objectives define the "how." Business goals typically only provide a general direction that a company will follow whereas business objectives clearly outline actionable steps.
how can we develop desicion making skill on ourselves
Answer:
Six simple steps for better decision-making skills
Start with the desired outcome. Start with squad goals. ...Rely on data and insights to spot patterns. .Use S.W.O.T. analysis. ...Simulate the outcomes. ...Trust your instincts. ...Identify your cognitive biases1. Which of the following is the term for the overall impression gathered from information
that is seen, heard and experienced by customers who encounter a business, its products
and services?
A. Brand promise
B. Positive feeling
C. Company culture
D. Company brand
The answer is D company brand
Company brand is the term for the overall impression gathered from information that is seen, heard and experienced by customers who encounter a business, its products and services. Hence, option D is correct.
What is a Company brand?The brand of a firm serves as its identity and is one of the most valuable aspects of the enterprise. Consumers recognize brands, and rivals are wary of them. The marketing of a company's products must include strong company branding.
Despite the fact that brands are typically immaterial, we frequently connect them to things like products and names. Apple, Nike, Coca-Cola, Advil, and Tylenol are a few examples.
A firm is made up of workers who cooperate to accomplish a common objective. A brand, which is the personality of the company, is represented through specific aspects of the goods that a company makes. For instance, an apple may serve as the company's logo, mascot, and social media icon for an apple packaging company.
Thus, option D is correct.
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Springer Corp. has 6,000 cumulative preferred shares that pay a dividend of $1.00 per share. It also has 30,000 common shares outstanding. In 2018 and 2019 it did not pay any dividends due to poor earnings. This year in 2020, the Board of Directors decided to pay out $70,000 in dividends. What is the amount of the dividends that would be paid to the common shareholders? Enter only numbers (do not use a $ sign or comma): $ Answer
The preferred shares are cumulative; thus, if the company did not pay dividends in 2018 and 2019, then it has an accumulated deficit of $12,000 for the preferred shares.
The preferred shares are entitled to a dividend of $1.00 per share. The total dividend payable on the preferred shares is:6,000 shares × $1.00 per share = $6,000.The amount of dividends that would be paid to the common shareholders can be computed by using the formula: Dividends paid = Total dividends - Dividends paid on preferred shares.Dividends paid = $70,000 - $6,000Dividends paid = $64,000Therefore, the amount of the dividends that would be paid to the common shareholders is $64,000.
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what is business and what is occupation
Answer:
Business:
A person's regular occupation, profession, or trade.
Occupation:
A job or profession.
Explanation:
I looked them up in a dictionary.
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How much is Nicolas Cage currently worth?
As of my knowledge cutoff in 2021, Nicolas Cage was estimated to be worth around $25 million dollars. However, it's important to note that celebrity net worth can be difficult to accurately estimate and can fluctuate greatly over time due to various factors such as income, investments, taxes, and spending.
Nicolas Cage is an American actor who has been in the entertainment industry for over three decades. He has appeared in over 80 films and has won several awards for his acting, including an Academy Award for his role in the 1995 film "Leaving Las Vegas." In addition to his acting career, Cage is also known for his property investments and has purchased several properties around the world, including castles in Europe and islands in the Bahamas.
Despite his wealth, Nicolas Cage has also faced financial difficulties in recent years. He has been involved in several lawsuits, including a lawsuit involving the Internal Revenue Service over unpaid taxes. Additionally, he has been criticized for his spending habits, including his purchase of several expensive properties and his collection of exotic and luxury cars.
In conclusion, as of my knowledge cutoff in 2021, Nicolas Cage was estimated to be worth around $25 million dollars, but it's important to keep in mind that celebrity net worth can be difficult to accurately estimate and can fluctuate greatly over time. Regardless of his net worth, Nicolas Cage is known for his successful acting career and for his property investments, as well as for his financial difficulties and lavish spending habits.
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what motivational techniques does clark employee as the coach of cal rugby?
As the coach of Cal Rugby, Clark Holloway employs a variety of motivational techniques to help his team succeed. Some of the techniques that Clark may use include:
Setting clear goals: Clark may help his team set clear, achievable goals for themselves, and work with them to develop a plan for achieving those goals.
Providing positive feedback: Clark may provide positive feedback to his team members to help them feel motivated and confident. He may also provide constructive feedback to help them improve.
Building a positive team culture: Clark may work to build a positive team culture that encourages teamwork, communication, and accountability.
Using visualization techniques: Clark may use visualization techniques, such as imagery and mental rehearsal, to help his team members prepare for games and perform at their best.
Providing motivational speeches: Clark may give motivational speeches to his team before games or other events to help them stay focused and motivated.
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What is deliberate and purposeful choice to speak up for personal needs and or ideas
Purposeful practice is intended to enhance performance and is defined by remaining committed and upbeat, establishing precise objectives, scheduling time each week, accepting challenges that are above your current level of competence, and asking for feedback.
What is intentional speaking?Deliberately means to carefully consider something or to speak about it; it also refers to the cautious decision-making process' slow and controlled speed.
What is communication purposeful practice?Deliberate practice is described as deliberate action that is effortful in character, conducted frequently without immediate reward, and has as its primary objective the enhancement of one's own performance rather than enjoyment.
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how to get stimulus check 2021 if you didn t file taxes
Answer:
you may need to file a 2020 tax return even if you don’t traditionally file.
Explanation:
This FAQ can help you understand how the system works and what you can do to claim any stimulus that you may be eligible to receive.
If you find yourself part of a team at work , what is the best way to behave during a team meeting ?
Answer:
there was no multiple choice but i took the test the answer is stay focused on the topic and make your contributions are relevant
Explanation:
Answer: Stay focused on the topic and make sure your contributions are relevant
Explanation: APEX
Zach is looking for a homeowners insurance policy for his new house. AAA Insurance company has offered him a plan that insures his home annually for $0.36 per $100 of value in the home. In order to make calculations easier, Thompson’s Insurance lists their annual homeowners insurance premium a bit differently, at $3.63 per $1,000 of value in the home.
Zach’s house is worth $289,000. What should Zach be thinking as he chooses between the two insurance companies?
a.
$3.63 per $1,000 is approximately the same as $0.36 per $100. The premiums for the two insurance companies will be the same.
b.
The annual premium for his house would be cheaper through AAA.
c.
The annual premium for his house would be cheaper through Thompson’s.
d.
Since the two insurance companies list their premiums differently, the two cannot be compared.
Answer:
B
Explanation:
just did the test and got it right
ordinary kriging method assume that
Cleared checks:
a) Are available as online images for you to refer to or as reduced images sent with each monthly statement
b) Must be destroyed so that they don't get cashed again
c) Should be used to notify the people you wrote the check to since they havent cashed the checks yet
. d) Are automatically redeposited if the check image is lost
Explanation:
should be used to notify the pepole you wrote the check to since they haven't cashed the checks yet
What two factors influence an economic school of thought?(1 point)
Answer:
Free-market, or laissez-faire, economics and Keynesian theory.
Explanation:
The economic school of thought can largely be influenced by prevailing societal values and the historical context in which the theory is developed.
There are many factors that might influence an economic school of thought, but the two key elements are often prevailing societal values and historical context. Prevailing societal values can drastically influence an economic philosophy.
Furthermore, the historical context in which an economic thought emerges is crucial. Economists develop their theories in response to the economic challenges and realities of their time. The Great Depression deeply influenced Keynesian economics, and the stagflation of the 1970s prompted a shift towards monetarism.
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You scheduled a meeting with your banker to discuss your findings. How will you fine-tune your product to incorporate your market research?
Answer:
5 Simple Steps to Fine-Tune Your Digital Marketing Planwww.convinceandconvert.com › digital-marketing › fi...
Were results good, targets met, and goals achieved? Or did your plan totally miss the mark? If you don't review what you did, how will you know what worked
Explanation:
a local theater company sells 1,550 season ticket packages at a price of $320 per package. the first show in the 10-show season starts this week. (a) the sale of the season tickets before the first show. (b) the revenue from fulfilling the performance obligation by putting on the first show.
The revenue from fulfilling the performance obligation by putting on the first show would depend on the actual attendance and any additional ticket sales.
If all 1,550 season ticket holders attend the first show, the revenue generated would be $496,000 (the same as the total revenue from the sale of the season ticket packages). However, if there are additional ticket sales or some season ticket holders do not attend, the revenue generated would be higher.
To calculate the revenue, you need to multiply the number of season ticket packages sold (1,550) by the price of each package ($320). So, 1,550 * $320 = $496,000. This is the total revenue generated from selling the season ticket packages and putting on the first show.
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Which is an example of specialty media?
a) T-shirts with a store logo on them
b) A satellite television ad
c) A "midnight madness" sale
Answer:
a) T-shirts with a store logo on them
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Binz Company provides cleaning services and sells garbage bins to office clients. On June 1st, Binz delivered 100 garbage bins to a client, and also entered into a 5-year contract for Binz to provide cleaning services to that client. Which of the following is most likely to be true?
a. Revenue for the garbage bins and the cleaning services must be recognized on June 1st.
b. Revenue for the garbage bins is recognized on June 1stand no revenue will be recognized for the cleaning services until the end of the 5thyear.
c. Revenue for the garbage bins is recognized on June 1stand revenue for the cleaning service is recognized over the 5 years as those services are performed.
d. Binz Company should not recognize any revenue until the end of the 5thyear
Revenue for the garbage bins is recognized on June 1st, and revenue for the cleaning service is recognized over the 5 years as those services are performed. Binz Company provides cleaning services and sells garbage bins to office clients. Here option C is the correct answer.
On June 1st, Binz delivered 100 garbage bins to a client and also entered into a 5-year contract for Binz to provide cleaning services to that client.
As per accounting standards, Binz should recognize revenue from the sale of garbage bins and from cleaning services separately. The revenue from the sale of garbage bins should be recognized on June 1st, as this is the date on which the client receives the bins.
The revenue for the cleaning service should be recognized over the 5 years as those services are performed. This is because the client has not yet received the cleaning services, so Binz cannot recognize the revenue in advance. Therefore option C is the correct answer.
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Which attack is typically performed from a hallway or doorway?
Select one
A Blitz
B. Combination
C. Transitional
D. Offensive interior
Answer:
B. Combination
Explanation:
Firefighting can be defined as a strategic approach or technique which typically involves the process of attempting to prevent and control the spread of an unwanted fire in buildings, vehicles or any other location (place).
Basically, the professionals or experts who are saddled with the responsibility of preventing or controlling this unwanted fire are known as fire fighters.
An attack which is typically performed from a hallway or doorway is known as combination.
At the beginning of iast year, you invested 33,000 in 60 shares of the Chano Corporation; During the year, Chang paid dividencs of s4 per share. AL the end of the yeag, you soid the 60 shares for 559 a share. Compute your tetal hpy on these shares and indicate how much was due to the price change and how much was due to the dividend inceme. Do not round intermediate calculations. Reund your anawers to one decimal place. HPY (Total): HPY (Price increase Alone): Hoy (Dividends):
The total holding period yield (HPY) on the shares is calculated by considering both the price increase and the dividends received. In this case, you initially invested $33,000 in 60 shares of Chano Corporation.
The dividends paid were $4 per share, and you sold the shares for $559 each at the end of the year. The total HPY, as well as the portion attributed to the price increase and the dividends, will be calculated. To calculate the total holding period yield (HPY), we need to consider both the price increase and the dividends received.
First, let's calculate the total gain from the investment. The initial investment of $33,000 in 60 shares gives us a total investment of $550 per share ($33,000 / 60). Selling the 60 shares for $559 each results in a total selling price of $33,540 ($559 * 60). Therefore, the total gain from the investment is $33,540 - $33,000 = $540.
Next, we calculate the dividends received. Since each share received $4 in dividends, the total dividends received would be $4 * 60 = $240. Now we can calculate the total HPY. The formula for HPY is: (Total gain or loss + Dividends) / Initial investment. In this case, the total HPY would be: ($540 + $240) / $33,000 = 0.0227 or 2.27%.
To determine how much of the total HPY was due to the price increase alone, we subtract the dividends received from the total gain: $540 - $240 = $300. Thus, the HPY attributed to the price increase alone is: $300 / $33,000 = 0.0091 or 0.91%. The remaining portion of the total HPY is due to the dividends received. In this case, it is: $240 / $33,000 = 0.0073 or 0.73%. Therefore, the total HPY on the shares is 2.27%, with 0.91% attributed to the price increase and 0.73% attributed to the dividends received.
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Which supply management techniques have increased over the traditional ideals?.
In recent years, supply management techniques have evolved and expanded beyond traditional ideals to meet the changing demands of the global market. Some of the supply management techniques that have gained prominence and increased over traditional ideals include:
1. Lean Supply Chain Management: Lean principles focus on eliminating waste and improving efficiency throughout the supply chain. It emphasizes streamlining processes, reducing inventory levels, and optimizing resource utilization. Lean techniques, such as just-in-time (JIT) inventory management and continuous improvement practices, have gained popularity as they help organizations achieve cost savings, improve productivity, and enhance customer satisfaction.
2. Vendor-Managed Inventory (VMI): VMI is a collaborative approach where suppliers take responsibility for managing the inventory levels at the customer's location. It involves sharing information and collaborating closely to ensure optimal inventory levels, reducing stockouts and overstocking. VMI allows for better coordination and faster response to changes in demand, leading to improved inventory management and reduced costs.
3. Technology-Enabled Supply Chain: The integration of technology has significantly transformed supply chain management. Advanced technologies such as artificial intelligence (AI), machine learning (ML), big data analytics, and Internet of Things (IoT) have enabled real-time data capture, improved demand forecasting, enhanced visibility, and automation of various supply chain processes. These technologies have revolutionized inventory management, demand planning, logistics, and overall supply chain decision-making.
4. Sustainable and Ethical Supply Chain Practices: With increasing awareness and focus on sustainability and ethical practices, supply chain management has shifted towards incorporating environmental and social considerations. Organizations now strive to ensure responsible sourcing, reduce carbon footprint, minimize waste, promote fair labor practices, and adhere to ethical standards. Supply chain sustainability initiatives have gained traction as they not only fulfill ethical obligations but also contribute to brand reputation, customer loyalty, and long-term business sustainability.
5. Risk Management and Resilience: The recognition of supply chain vulnerabilities and the need to mitigate risks has led to the adoption of risk management strategies. Organizations now place greater emphasis on identifying and mitigating risks such as supply disruptions, natural disasters, geopolitical uncertainties, and cybersecurity threats. Building resilient supply chains involves diversifying suppliers, developing contingency plans, enhancing supply chain visibility, and implementing robust risk assessment and mitigation strategies.
These supply management techniques reflect the evolving landscape of supply chain management, driven by globalization, technological advancements, sustainability concerns, and the need for operational efficiency. By embracing these techniques, organizations can improve agility, responsiveness, cost-effectiveness, sustainability, and overall competitiveness in today's dynamic business environment.
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What is the finance charge for the current billing period ??
The finance charge for the current billing period is the amount of money that the credit card company charges you for carrying a balance on your credit card.
A finance charge is the cost of borrowing money from a credit card company. It is calculated based on the outstanding balance on your credit card and the interest rate on that balance. The finance charge for the current billing period can be found on your credit card statement and will vary depending on factors such as the balance carried over from the previous billing period, the interest rate on that balance, and any new purchases or cash advances made during the current billing period.
Step 1: Identify the outstanding balance on your account.
Step 2: Find the annual percentage rate (APR) for your credit account.
Step 3: Divide the APR by 365 to obtain the daily periodic rate (DPR).
Step 4: Multiply the DPR by the outstanding balance to get the daily interest charge.
Step 5: Multiply the daily interest charge by the number of days in the billing period.
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