Suppose that while households are deciding to increase savings, the demand by firms for investment funds falls. in the market for loanable funds, the real interest rate will _____________ and the quantity of loanable funds will ___________

The government-sponsored entity (GSE) that guarantees the underlying assets packaged into its securitized products is Fannie Mae.

What is a securitized product?

A securitized product is a financial instrument that allows investors to gain exposure to a large and diversified pool of assets that they would not otherwise have access to on an individual basis. Securitization is the process of taking a bundle of loans, mortgages, or other similar assets and converting them into a tradable security. A government-sponsored enterprise (GSE) is a financial services company established by the United States Congress. The aim of the GSEs is to help lower borrowing costs for certain sectors of the economy, such as home mortgages and agriculture loans. GSEs securitize mortgages and other forms of debt, packaging them into mortgage-backed securities, which they guarantee against credit risk. Fannie Mae, Freddie Mac, and the Federal Home Loan Banks are the three primary GSEs in the United States. The answer to your question is Fannie Mae.

Learn more about assets here:

https://brainly.com/question/13848560

#SPJ11

Talent management, pay and benefits for employees, training and development, compliance, and workplace safety are the five tasks that make up human resource management.

Talent management, pay and benefits for employees, training and development, compliance, and workplace safety are the five tasks that make up human resource management.

To know more about human resource management, check out:

https://brainly.com/question/21955229

#SPJ4

Answer: realistic job preview

Explanation:

Realistic job preview is used by companies and organizations in order to tell prospective employees the good and bad features of the job

The purpose of this is to make sure that the new worker fully knows what the job requires. It also help build mutual trust with the workers.

To calculate the number of monthly payments required to pay off a loan or meet an investment goal, use the nper function.

In finance, lending is the lending of money by one or more individuals, organizations, or other entities to other individuals and organizations, etc. The beneficiary incurs a debt and usually has to pay interest on that debt until that debt is also repaid. to repay the principal borrowed.

The promissory note will typically state, among other things, the principal amount of the loan, the interest rate charged by the lender, and the date of repayment. A loan involves reallocation of assets in question over a period of time, between the lender and the borrower.

To know more about loan here-

https://brainly.com/question/11794123

#SPJ4

Answer:

it could damage the country

This means that Debra will have to charge more per bracelet. This is an example of production cost pricing factor.

Production cost can be defined as those cost that are involve with producing or manufacturing goods and services and this cost includes the materials, labor among others that a company used when  producing  goods and services.

Based on the scenario production cost is the type of pricing factor due to the fact that since the cost of production has increase Debra has to increase the amount she charge so as to prevent loss because if the cost of production is higher than the revenue or profit it will lead to loss.

Therefore If Debra is making jewelry to sell at a craft fair. The price of the metal she uses to make her bracelets just went up. This means that Debra will have to charge more per bracelet. This is an example of production cost pricing factor.

Learn more about production cost here:https://brainly.com/question/13738783

#SPJ1

Answer: Corporate charter

Explanation:

The corporate charter is also referred to as the articles of incorporation. It is a document that contains the major components that make up a company, like the objectives of the company, the structure of the company, the number of shares the company has for sale and the planned operations of the company.

When a corporate charter is approved by the state, then the company will become a legal corporation. The corporate charter also contains the names of the people that are involved in its formation.

Answer:

The answer is (c) coporate charter

Explanation:

Answer:B, Economic panics showed that the banking system was not stable.

Explanation:APEX

The U.S. leaders decide to create the Federal Reserve for as Economic panics showed that the banking system was not stable Option(b) is correct.

The Federal Reserve is broadly viewed as perhaps of the main monetary establishment on the planet. The Fed can either be a harmless assistance or a cranky test, and its style is generally an element of the Federal Reserve's leading group of lead representatives.

The United States was impressively more unsteady monetarily before the production of the Federal Reserve. Panics, occasional money crunches and a high pace of bank disappointments made the U.S. economy a more hazardous spot for worldwide and homegrown financial backers to put their capital. The absence of reliable credit hindered development in numerous areas, including farming and industry.

Americans from the get-go, in any case, likewise didn't need a national bank, as they considered this to be a model in view of the Royal Crown and its Bank of England. New America would have rather not been made in that frame of mind of Britain, and furthermore preferred a more decentralized state-by-state way to deal with its political economy.

Therefore Option(b) is correct.

Learn more about Federal reserve here:

brainly.com/question/23247429

#SPJ2

Answer: A)  low unemployment, price stability, economic growth

Explanation: Government regulation attempts to promote growth, full employment, and price stability for the well-being of the citizens

The goals of an ideal government while making regulations shall include the following purposes,

Therefore, the option A holds true.

The goals of a government can be referred to or considered as the qualitative and quantitative targets set by the government in order to foresee better conditions in the future. These are backed by economic plans and regulations.

For a developing or a developed government, the goals must be economically based while being regulated. These goals must include reduced poverty and unemployment in order to achieve a healthy economic growth.

Therefore, the option A holds true and states regarding the significance of the goals of a government.

Learn more about government goals here:

https://brainly.com/question/526427

#SPJ2

Answer:

On average for every $1.00, the credit companies collectection in total is 1.50.

Explanation:

On average for every $1.00, the credit companies collectection in total is 1.50.

Answer:

I'm not too dire about this

False, a principal who authorises an agent to commit a tort is liable to persons or property injured thereby.

The question of authority is crucial in determining whether a principal is responsible for agreements made by his or her agent. Was the agent given the go-ahead to negotiate and finalise the transaction? Evidently, it would be unreasonable to require a contractor to pay for an entire load of lumber just because a stranger entered the lumberyard and requested to be charged for the item on ABC Contractors' behalf. To be liable, the principal must have given the agent written permission to act on his behalf and the principal must have disclosed that permission to the third party.

Learn more about contractor here:
https://brainly.com/question/15567538

#SPJ4

Globalization is better for organization as it opens more opportunities, and helps in reduction of costs.

Globalization is open trade that can take place around the world, the current technologies have enabled the organizations to have products from around the World.

Globalization can help organizations enjoy economies of scale. This will reduce the cost of goods sold expense for the organization and will ultimately effect positively on the profits.

While the globalization can encourage child labor, which is unethical and this is usually practiced to provide goods at a cheaper rate, as the labor cost is low for the child labor.

In this technological era the organizations have far better choices available to purchase thee goods from, the technology have enabled purchases from far countries although transit cost is a barrier, but if an organization manages the transit cost it can benefit lower cost of goods.

Learn more about Globalization at https://brainly.com/question/27154557

#SPJ1

703(m) of Title VII section of title vii states that it is not a violation if an employer refuses to hire or to discharge an employee who is unable to meet the requirements for a national security clearance where federal law or regulations require such a clearance for the job in question.

In accordance with Title VII of the Civil Rights Act, businesses must make reasonable accommodations for their employees' honestly held religious views, practises, and observances. Employment discrimination based on religion is also prohibited.

Schedule adjustments (arrivals, departures, floating/optional holidays, flexible work breaks, and any other scheduling adjustments); voluntary shift substitutions and/or swaps; job reassignments, such as changes of position tasks and lateral transfers; and modifications are examples of religious accommodations.

Examples of religious views are as follows: the conviction of some Christians that wearing a cross as a representation of your faith is appropriate. the notion that a woman should cover her body or head when practising Islam. the acceptance of intelligent design or creationism.

To learn more about title VII visit:

https://brainly.com/question/27992457

#SPJ4

The idea of an economic tradeoff means that the all of the above are:

The term economic refers to the process of production, distribution, and consumption activities. The main components of economies are products and services. The primary sector of the economy is the industrial sector. The family (consumption) and company (product sales) are both parts of the economy.

To accomplish one aim, we must forfeit the other, according to the concept of economic trade. There is nothing as a free lunch, and most resource allocations come with an opportunity cost.

As a result, the significance of the economic are the aforementioned. Therefore, option (d) is correct.

Learn more about on economic, here:

https://brainly.com/question/14787713

#SPJ1

Answer:

Sole proprietorship

The sole proprietor(not creditors but creditor) bears all losses

Explanation:

Sole proprietorship is a form of business in which there is no legal difference between the owner and the business entity as both are one and the same. The term 'sole' connotes 'only' while 'proprietorship' connotes 'owner(ship)'; it is also referred to as individual entrepreneurship. This is because only the owner of the business (the proprietor) bears all the risks (losses, debts, legal actions etc) and benefits (profits, dividends etc) of the business venture. He owns all the assets of the business venture, debts as well as the legal actions (whether positive or negative); when business is faring well, he enjoys a handsome profit and when business is struggling, he also bears the brunt of it.

The special feature highlighted in the statement above is the reality that the "creditors" refers simply and only to the proprietor (the owner of the business); in which case, if the business fails, the proprietor does not have to bother about the backlash from creditors' pressures, legal actions etc. He is the sole bearer of the losses of the business venture.

These three issues are addressed by economic : (1) What products and services ought to be created to satisfy client demands? (2) Who should generate them and how should they be produced? 3) Who ought to be given commodities and services?

The economic system of a nation determines the answers to these queries.  How production and welfare increase over time, and a wide range of other complicated concerns that are extremely important to society. The social science of economics focuses on the analysis of resource scarcity. It examines variables that have an impact on how products and services are produced, distributed, and consumed in an economy.

To learn more about production, click here.

https://brainly.com/question/14787713

#SPJ1

The International Professional Practices Framework (IPPF) is a set of guidelines and standards developed by the Institute of Internal Auditors (IIA) to guide and govern the practice of internal auditing.

The purpose of the IPPF is to provide a framework for conducting effective and ethical internal audits.

The key elements of the IPPF include the Definition of Internal Auditing, the Code of Ethics, the International Standards for the Professional Practice of Internal Auditing (Standards), and the Practice Advisories and Development and Practice Guides.

The IPPF consists of several key elements that guide the practice of internal auditing. Firstly, the Definition of Internal Auditing establishes the nature and purpose of internal auditing, emphasizing its role in providing independent and objective assurance and consulting services.

The Code of Ethics is another essential element of the IPPF. It consists of four principles: Integrity, Objectivity, Confidentiality, and Competency. Each principle is supported by a standard in the IPPF.

For example, the standard related to Integrity is Standard 2: Integrity. This standard requires internal auditors to perform their work with honesty, diligence, and responsibility, maintaining a high level of professional conduct.

Standard 3: Objectivity is linked to the principle of Objectivity in the Code of Ethics. It emphasizes the need for internal auditors to remain impartial and free from conflicts of interest, ensuring that their judgments and opinions are not compromised.

Confidentiality is addressed by Standard 4: Confidentiality and requires internal auditors to respect the confidentiality of information obtained during the course of their work.

It highlights the importance of safeguarding sensitive information and using it only for legitimate purposes.

Competency, the final principle in the Code of Ethics, is supported by Standard 7: Continuing Professional Development. This standard emphasizes the need for internal auditors to maintain and enhance their knowledge and skills to perform their duties effectively.

By aligning the principles of the Code of Ethics with the relevant standards in the IPPF, internal auditors can ensure that their work is conducted in accordance with professional ethics and best practices.

This alignment promotes the integrity, objectivity, and competence of internal auditors and enhances the overall quality of internal auditing services.

To know more about, Auditing:-

brainly.com/question/29575176

#SPJ11

Answer:

Here given that perimeter of circular running track =330m

Let radius=r

As we know that in a circle

\({\boxed{\sf Perimeter=2\pi r}}\)

\(\qquad \quad{:}\longmapsto\tt 2\times\dfrac {22}{7}×r=330 \)

\(\qquad \quad{:}\longmapsto\tt \dfrac {44}{7}r=330 \)

\(\qquad \quad{:}\longmapsto\tt r=\dfrac {330×7 }{44}\)

\(\qquad \quad{:}\longmapsto\tt r=\dfrac{2310}{44}\)

\(\qquad \quad{:}\longmapsto\tt r=52.5 \)

\(\therefore\sf r=53m (Approx)\)

Again

\({\boxed{\sf Area=\pi r^2 }}\)

\(\qquad \quad{:}\longmapsto\tt Area=\dfrac{22}{7}×(53)^2 \)

\(\qquad \quad{:}\longmapsto\tt Area=8828.2m^2 \)

\(\therefore\sf Area=8828m^2 (Approx)\)

the radius is increased by 7m

Hence

New radius=(x+7)m=53+7=60m

New Area=

\(\qquad \quad{:}\longmapsto\tt \pi. r^2 \)

\(\qquad \quad{:}\longmapsto\tt \dfrac {22}{7}(60)^2 \)

\(\qquad \quad{:}\longmapsto\tt \dfrac {22}{7}×3600 \)

\(\qquad \quad{:}\longmapsto\tt 11314.28m^2 \)

\(\therefore\sf AREA=11314m^2 (Approx).\)

Area of widened Area=New area-Old Area

\(\qquad \quad{:}\longmapsto\tt 11314-8828 \)

\(\qquad \quad{:}\longmapsto\tt 2486m^2 \)

Total cost=

\(\qquad \quad{:}\longmapsto\tt 2486×8 \)

\(\qquad \quad{:}\longmapsto\tt 19888\)

\(\therefore\sf Total\:cost\:is\: 19888.\)

Here is a latex diagram for your question.

\(\Huge\downarrow \)

\(\setlength{\unitlength}{1cm}\begin{picture}(0,0)\thicklines\qbezier(2.3,0)(2.121,2.121)(0,2.3)\qbezier(-2.3,0)(-2.121,2.121)(0,2.3)\qbezier(-2.3,0)(-2.121,-2.121)(0,-2.3)\qbezier(2.3,0)(2.121,-2.121)(-0,-2.3)\qbezier(1.2,0)(1.121,1.121)(0,1.2)\qbezier(1.2,0)(1.121,-1.121)(0,-1.2)\qbezier(0,-1.2)(-1.121,-1.121)(-1.2,0)\qbezier(-1.2,0)(-1.121,1.121)(0,1.2)\put(-0,0){\vector(-1,0){2.3}}\put(0,0){\vector(0,1){1.2}}\put(-1.7,0.2){$\bf (x+7)m$}\put(0.2,0.3){$\bf x m$}\end{picture}\)

Self-employment provides strong earning potential as people have more control over their own progression. Going hand-in-hand with the flexible lifestyle, individuals who work for themselves can go over and above to work long hours on some days, network, and reap the benefits of their hard work.

Indirect strategy is the pattern that is used by organizations to withhold or delay the presentation of some information about their product or services without giving it all out.

The strategy is about delaying the presentation of the main idea of the product or services but it is unethical because it provides misleading information's to customers there by causing them to acquire products or services that may not meet their taste.

The good side to the strategy is that by delaying information of the main idea, it makes the organization to create anticipation among its customers thereby drawing up more expectation and sales from the customers.

Learn more about Indirect Strategy here brainly.com/question/7283570

#SPJ1

Financial exchange can be of different types however the best option for exchange is A. Cash.

Credit is the type of transfer of financial assets, this transfer includes financial institutions in this type the funds are transferred.

Debit

An exchange type is debit which is the transfer of financial liabilities in return of a consideration, One party transfer a good or service and instead of payment the party which transferred goods also transfers some liabilities.

Electronic Funds Transfer (EFT) is the exchange which is completely online and transfer is made through financial institutions, this transfer is quick.

Cash is the most preferred mode of exchange and therefore this is considered as the best option. Cash is paid in hand, it has the lowest risk of false transfer.

Learn more about Credit at https://brainly.com/question/27245860

#SPJ1

Answer:

D i think

Explanation:

Answer:

D

Explanation:

Rip x and juice

The step method of allocating service costs involves identifying a hierarchy of services that support the organization's operations.

In this case, the order of allocation starts with maintenance, which includes expenses such as building repairs and equipment maintenance. The next service in the hierarchy is security, followed by IT support, and finally, cafeteria services.

Using the step method in reverse order, allocations would begin with cafeteria services and work their way up the hierarchy to maintenance.

This approach recognizes that cafeteria services are the most visible and tangible service provided to employees, while maintenance may be less noticeable but still critical to maintaining a safe and functional workplace.

By using the step method, organizations can allocate service costs more accurately based on the relative importance of each service to the overall operations of the organization.

This allows for a more informed decision-making process and ensures that resources are being used effectively and efficiently.

To know more on service costs visit:

https://brainly.com/question/15967467

#SPJ11

Graded potentials are membrane depolarizations or hyperpolarizations that are smaller in magnitude than action potentials and that may be produced in dendrites and cell bodies by synaptic activity or other input. Option b is correct.

Graded potentials are the changes in electrical potentials (membrane potentials) that happen in response to a stimulus.

These graded potentials can be either depolarization or hyperpolarization of the neuron, where depolarization is the increase of the positive charge of the neuron or cell membrane making it more positive than the resting membrane potential while hyperpolarization is the increase of negative charge of the neuron making it more negative than the resting membrane potential.

Graded potentials tend to cause little change in membrane potential, and are often all-or-none. They produce an effect that spreads actively across the membrane surface and increase with distance from the point of stimulation. However, graded potentials do not cause repolarization.

Therefore, b is correct.

Learn more about depolarizations https://brainly.com/question/31873477

#SPJ11

The book value of the division's assets on december 31, 2024 will be $17 million.

How to calculate the book value:

Income: $7.2 million; 20% tax rate As a result, pretax income ($7.2/80%) will be $9. However, pretax income from the division plus pretax income from continuing operations equals total pretax income. Pretax earnings: $4 million plus $14 million in total. Pretax income totaled 18 million dollars.

Hence, net fair value of the division's assets at year's end plus recognised loss on sale equals book value of the division's assets, which equals $11 million plus $6 million. The division's assets have a book value of $17 million.

Learn more about book value here:

https://brainly.com/question/15289559

#SPJ4

Answer:Brian uses ultrasound technology to create images of a patient’s liver and kidneys.

Nigel performs tests on a patient to get information about how his heart is working.

Krystal analyzes X-rays to determine whether a patient has a broken arm.

Explanation:

Answer:

A. B. F.

Explanation:

Edge

The cost of the house = $425,000 ,Down payment = $85,000 ,Mortgage Options:Option A: 20-year mortgage at 4.0%.Option B: 20-year mortgage at 3.5% with two points.Calculation of Mortgage option A:To calculate the monthly payment, we can use the formula;

PMT = (PV × r) / [1 − (1 + r)−n]

Here, PV = Present value or loan amount

= $340,000 (425,000 − 85,000)

R = Rate of interest per month

= 4 / 12%

= 0.33%

N = Number of monthly payments

= 20 × 12

= 240

Now substitute the values in the formula and calculate the monthly payment:

PMT = (340000 × 0.33%) / [1 − (1 + 0.33%)−240]

≈ $2,099.03Therefore, the monthly payment for mortgage option A is $2,099.03.

Calculation of total cost of the home using mortgage option A:The total cost of the home is the sum of down payment and total payments over the life of the loan. The total payments can be calculated by multiplying the monthly payment by the total number of payments.

n = 20 × 12 = 240 (total number of payments)

Total Payments = PMT × n

= 2,099.03 × 240

≈ $503,765.20

Therefore, the total cost of the home using mortgage option A is $503,765.20.

Calculation of Mortgage option B:For mortgage option B, the rate of interest is 3.5% and 2 points.

Point is an upfront payment made to reduce the interest rate. Each point equals 1% of the loan amount. In this case, 2 points cost 2% of the loan amount.

Let P be the cost of 2 points in dollars.P = 2% × 340000= $6,800

Total loan amount = $340,000 + $6,800 = $346,800

Now, the rate of interest for mortgage option B = 3.5%Monthly rate of interest = 3.5 / 12 = 0.292%

Now use the same formula as in option A and calculate the monthly payment:

PMT = (346800 × 0.292%) / [1 − (1 + 0.292%)−240]

≈ $1,951.61

Therefore, the monthly payment for mortgage option B is $1,951.61.

Calculation of total cost of the home using mortgage option B:The total payments can be calculated by multiplying the monthly payment by the total number of payments.

n = 20 × 12 = 240 (total number of payments)Total Payments

= PMT × n

= 1,951.61 × 240

= $468,387.92

Now add the down payment to the total payments to get the total cost of the home.

Total Cost of Home = Down Payment + Total Payments

= $85,000 + $468,387.92

= $553,387.92

Therefore, the total cost of the home using mortgage option B is $553,387.92.Comparing the two options:

Total Cost of the Home using Mortgage Option A = $503,765.20

Total Cost of the Home using Mortgage Option B = $553,387.92

Option A: 20-year mortgage at 4.0% with monthly payment of $2,099.03

Option B: 20-year mortgage at 3.5% with 2 points with monthly payment of $1,951.61

Based on the above calculations, it is clear that option B is the better choice. Therefore, the correct option is Option B.

To know more about ,  formula   visit:

https://brainly.com/question/657646

#SPJ11