age is just a number except when applying for a mortgage
Answers
Age can be a large aspect while applying for a loan, as creditors frequently take into consideration the borrower's age and expected retirement age whilst evaluating the mortgage application.
In general, younger borrowers are considered less risky via lenders as they've greater time to pay off the mortgage and have a longer work-life ahead of them to generate earnings. on the other hand, older borrowers may additionally have a more difficult time qualifying for a loan as they're towards retirement age and might have limited profits sources.
Moreover, older borrowers may be charged higher interest rates or required to offer extra documentation to prove their capacity to pay off the loan. consequently, while age is simply more than a few in many factors of life, it could be an vital component in the mortgage utility manner.
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Related Questions
________ provide(s) most or all of the services needed to mount a campaign, including research, creation of ad copy and art, media selection, and production of the final messages.
Answers
A full service agency provides most or all of the services needed to mount a campaign, including research, creation of ad copy and art, media selection, and production of the final messages.
Given that the provider provides most or all of the services needed to mount a campaign, including research, creation of ad copy and art, media selection, and production of the final messages.
We are required to fill the blank with the name of the appropriate service provider.
The name of the appropriate provider is full service agency.
A full service marketing agency is basically one that can handle all of your marketing, advertising, and promotional needs across digital platforms. With a staff of experts in various disciplines, a full service marketing agency offers us comprehensive strategies and efficient solutions as an integrated part of your team.
Hence a full service agency provides most or all of the services needed to mount a campaign, including research, creation of ad copy and art, media selection, and production of the final messages.
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HELP PLSSS
Define what an "industry credential" is in relation to Career Technical Education.
•
Then explain
2 important reasons for acquiring industry credentials (also called technical certifications).
•
Your answer should include BOTH the definition and two reasons for acquiring them.
•
1. Definition of Industry Credential:
•
2. Two reasons for acquiring industry credentials or technical certifications:
Answers
Answer:
1. is a qualification or level of competence that is authorized by a relevant third party to the specific qualification. It's usually in written form.
2. a- Gain work experience of the candidate.(eg occupational credentials) hence increasing earning capability.
b- Gain knowledge and proffessional skills that amounts to increase in competency lvls.
What is your favorite starbucks drink? Tell me what size, how many pumps of syrup you get, how many scoops of inclusions you get. (If you dont get anything added to your drink then just tell me the size you get and the drink name.) Tell me all the details. ❤
Answers
explain advertisement
Answers
Answer: Advertisement is a marketing communication. It is used to promote businesses and their products. Used to promote more effectiveness in a businesses profit and their sales. May be seen in the form of commercials or billboard announcements in everyday life.
Final test NEED an answer 50 points Mariana wants to research a career in veterinary medicine. Where could she find accurate and objective information? Check all that apply. She could speak with a career counselor. She could visit the library and check out a book from the career section about veterinarians. She could visit the library and check out a book from the fiction section with a veterinarian in it. She could visit the online site for the US Bureau of Labor and Statistics. She could visit a personal blog site written by a veterinarian.
Answers
Answer:
The first one, the second one, the fourth one. Not the fictional book or the blog.
Mariana wants to research a career in veterinary medicine. She could find accurate and objective information from the following.
She could speak with a career counselor. She could visit the library and check out a book from the career section about veterinarians.She could visit the online site for the US Bureau of Labor and Statistics.The correct options are A, B, and D.
Why is research important in veterinary medicine?More than most people realize, veterinary research is the study of animals, particularly their health, disease, and behavior, and it informs and influences a significant portion of our daily lives. The entire food chain benefits from the quality and safety that veterinary research provides.
Researchers in the field of veterinary medicine look for better ways to prevent, identify, and treat issues with both human and animal health. Using carefully bred, raised, and maintained laboratory animals under the guidance of veterinarians, they investigate a variety of diseases, including cancer and cardiovascular disease.
Thus, the ideal selection is options A, B, and D.
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explain five characteristics of economic resources
Answers
Answer:
Scarcity; they are found in small quantities compared to the many uses into which they have to be put and hence not sufficient to satisfy all human wants
Explanation:
I dont know the rest, lmk if im wrong
if an economy at full employment experiences a fall in aggregate demand, what can the government do to help the situation? select all that apply: increase government spending decrease government spending increase taxes on individuals and businesses reduce taxes on individuals and businesses
Answers
Aggregate demand for is a term utilized in macroeconomics to explain the whole call for for goods produced regionally, inclusive of client items, offerings, and aggregate call for is a dimension of the total amount of demand for Capital items.
Combination demand, but, reveals the whole sum of the market for every unmarried product and provider that an economy produces and expresses it as a total dollar fee. as an instance, a country may want to have an combination demand for goods and services same to $1B in step with year.
Mixture call for is calculated as the sum of customer spending, funding spending, authorities spending, and the distinction between exports and imports. on every occasion the sort of factors modifications and whilst aggregate demand stays steady, then there's a shift in combination call for.
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Manage required documentation for international trade
transactions to ensure compliance
and maximum efficiency.
Answers
Managing required documentation for international trade involves research, checklist creation, accuracy, compliance verification, timeliness, record-keeping, automation, and expert assistance.
Managing documentation for international trade transactions involves conducting research to understand requirements, creating a checklist, ensuring accuracy, verifying compliance, submitting documents on time, maintaining records, utilizing automation tools, and seeking expert assistance. Thorough research and a comprehensive checklist help identify the necessary documents. Accuracy and compliance verification ensure adherence to regulations. Timely submission prevents delays and penalties. Organized record-keeping aids in reference and audit purposes. Automation tools streamline the process, while expert assistance from customs brokers or trade consultants provides guidance on complex requirements. These measures ensure compliance and maximize efficiency in international trade transactions.
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i. Areogram is used to send written message to
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Which is NOT a main goal of advertising?
To evaluate: gives a company a measure of how many customers it reaches.
To persuade: shows why the brand is the best.
To inform: introduces a brand new company, product, or service.
To remind: reinforces the brand message.
Answers
Answer:
to remind
Explanation:
because you need to persuade people and inform people and before you do that you have to evaluate
Fashion Forward, a clothing distributor, wants to ensure it has strong information system controls over the purchasing and payables cycle. Which of the following should be implemented? A. The same person should do the buying and the receiving; however, that person should not have access to the accounting records to ensure appropriate segregation of duties. B. Only accept requisitions against the account code entered by all employees who have identified that goods are needed. C. There should be a periodic check of invoices where no goods have been received. D. The computer should check the requisition against the inventory master file to confirm that the re-order point has been reached. E. Orders placed for supplies not on the approved list should be accepted if they are needed. F. Receiving should enter the details of goods received on the computer against the order. G. Details of invoices should be entered into the computer on receipt, and the computer will match the invoice with the purchase order. Once matched, payment should be processed. It is common practice for companies to make two allowances for doubtful accounts: 1. The specific allowance is based on accounts the company has reason to suspect may not be paid. 2. The general allowance relates to accounts as yet unknown but that experience suggests may not be paid. The likelihood of a receivable account being unpaid is usually assumed to increase the longer it remains unpaid, and many companies determine a general allowance as a percentage of overdue receivables, with an increasing percentage being applied against the longest overdue accounts. You are aware that CAS 540 Auditing Accounting Estimates, Including Fair Value Accounting Estimates, and Related Disclosures is likely to be relevant to the audit of the allowance for doubtful accounts. Which of the following are procedures an auditor would adopt in verifying the general allowance for doubtful accounts? Perform analytical procedures to ascertain the reasonableness of the provision. Examine bad and doubtful debts written off during the current financial year and consider the extent to which the allowance formula predicts actual experience. Verify the reason for the provision against documentary evidence such as correspondence with customers. Review credit notes issued after the balance sheet date pertaining to amounts outstanding at that date Obtain an understanding of the company's procedures for establishing an allowance Test the aged analysis of receivables
Answers
The procedures an auditor would adopt in verifying the general allowance for doubtful accounts include:
1. Perform analytical procedures to ascertain the reasonableness of the provision: The auditor would analyze historical data, such as bad debt write-offs and the aging of receivables, to assess the reasonableness of the general allowance for doubtful accounts.
2. Examine bad and doubtful debts written off during the current financial year and consider the extent to which the allowance formula predicts actual experience: The auditor would review the specific bad debts that were written off during the year and assess how well the general allowance formula predicted these actual write-offs.
3. Verify the reason for the provision against documentary evidence such as correspondence with customers: The auditor would examine relevant documentation, such as correspondence with customers, to validate the reasons behind establishing the general allowance for doubtful accounts.
4. Review credit notes issued after the balance sheet date pertaining to amounts outstanding at that date: The auditor would review any credit notes issued after the balance sheet date that relate to outstanding amounts at that date. This helps to identify any adjustments or updates needed for the general allowance.
5. Obtain an understanding of the company's procedures for establishing an allowance: The auditor would gain an understanding of the company's internal procedures for determining and updating the general allowance for doubtful accounts. This includes assessing the company's methodology, policies, and historical experience.
6. Test the aged analysis of receivables: The auditor would perform testing on the aged analysis of receivables, verifying the accuracy and completeness of the data. This helps to assess the adequacy of the general allowance based on the aging of accounts receivable.
Therefore, the correct procedures an auditor would adopt in verifying the general allowance for doubtful accounts are: perform analytical procedures, examine bad and doubtful debts written off, verify the reason for the provision, review credit notes issued after the balance sheet date, obtain an understanding of the company's procedures, and test the aged analysis of receivables.
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How is compound interest different from simple interest?
a
Compound interest is when interest is paid on the principal amount only. Simple interest is when interest is paid on the principal amount and on the interest already earned.
b
The money earned from simple interest can only be accessed after 1 year, while you can access the money earned from compound interest at any time.
c
The money earned from compound interest is placed into a separate account, while the money earned from simple interest stays within the same account.
d
Simple interest is when interest is paid on the principal amount only. Compound interest is when interest is paid on the principal amount and on the interest already earned.
Answers
Answer:
Simple interest is when interest is paid on the principal amount only. Compound interest is when interest is paid on the principal amount and on the interest already earned.
Explanation:
Compounding interest refers to adding the interest earned to the principal amount at the end of a financial period. The interest gained becomes part of the principal amount for the following financial period. It means the principal amount increases every year, which results in increased interest earnings.
Simple interest is the interest earned from the principal amount only. If no more deposits are made, then the principal amount will remain the same, and the interest earned will be constant.
The United Nations (UN) has many goals. Which statement below is one of its goals?
Question 2 options:
to provide tax cuts to the ultra wealthy throughout the world
to promote anti-vaccination campaigns
to end extreme poverty
to stay out of assisting in national elections, leaving the issue of voting to each individual nation or country
Answers
Answer:
to promote anti- vaccination campaigns
Franklin is planning for a purchase of a vehicle in two years. Since he wants to be
certain that his funds are safe (insured), which of the following should he use? *
O A credit card
O A mortage
O A loan
O A savings account
Answers
Answer: A Savings Account
Explanation:
Online content that has been created and posted by unpaid contributors such as customers or fans of a product or service is referred to as:.
Answers
Online content that has been created and posted by unpaid contributors such as customers or fans of a product or service is referred to as User-generated content.
User-generated contentUGC for short is content that is created, published or submitted by users of a brand. In numerous cases, it's the most influential content for brands. Usually, contributors are unpaid fans who encourage a brand instead of the brand promoting itself.
Online users are evolved increasingly savvy in knowing which companies are using messy marketing tactics, and which ones are being genuine and evident.
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What is collateral?
•
a type of unsecured credit
O property given as security for a loan
funds borrowed to buy property
a payment to reduce overall debt
Answers
A collateral is a property given as security for a loan. Thus, the correct answer is option B.
What is a collateral?A valuable asset that a borrower offers as collateral for a loan is known as collateral in the financial industry.
The house is used as collateral for the financing when a home buyer gets a mortgage. The automobile is the security for a car loan. When a company seeks bank financing, it may use valuable assets like real estate or machinery as collateral for the loan.
An unsecured loan has a higher interest rate than one that is backed by collateral. If there is a default, the lender has the right to transfer the collateral to make up the difference.
Therefore, property given as security for a loan is a collateral
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When using credit, the purchase amount becomes what once the payment agreement is made?.
Answers
Explanation:
Credit allows for purchases without cash. Credit agreements are not legally binding. Credit is free.
A car manufacturer is offering the choice of a 0.2% loan compounded monthly for 72 months or $1800 cash back on the purchase of a $20,500 new car. Completo parts (a) through (c) below.
(a) If a car buyer takes the 0.2% loan offer, how much will the monthly payment bo?
The car buyer's monthly payment will be $
(Do not round until the final answer. Then round to the nearest cont as needed.)
Answers
Answer:
$286.5
Explanation:
Given the following:
Principal (P) = $20,500
Period(n) = 72 months
Rate(r) = 0.2% = 0.002/12 = 0.000166666666
Monthly payment (M) =?
M = P [ r / (1 - (1 + r)^-n) ]
M = 20500[(0.000166666666) / (1 - (1+0.000166666666)^-72)
M=20500[(0.000166666666) / 1 - (1.000166666666^-72)
M= 20500[(0.000166666666) / 0.01192729912821
M = $20500 [ 0.01397354624952]
M = $286.457698115328
M = $286.5
Darcy is a new manager in a large consulting firm. As one of her first task she needs to set goals for her team
Answers
Answer: Bottom-up
Explanation:
Bottom-up also known as top down approach, is the approach of going from general to the specific, also from specific to the general. They are possible approach for a wide range of endeavors such as goal getting, forecasting and setting busgets
Darcy can use the Bottom-up approach to set up her team.
The chart shows the marginal revenue of producing apple pies.
__ Pies_____ Total __ Marginal
produced__revenue__ revenue
_per day
0__ ── _ ──
1 _ $10 __ $10
2 _ $20 _ $10
3 _ $30 _ $10
4 _ $40 _ $10
5 _ $50 _ $10
6 _ $60 _ $10
7 _ $70 _ $10
According to the chart, the marginal revenue
❌ A) decreases by ten dollars as production increases.
❌ B) increases by ten dollars as production increases.
❌ C) falls to zero dollars as production increases.
✔️ D) remains the same as production increases.
Quiz./I Help People Like you Who Need Help. I did the if you don't like it that makes me sad : (
Answers
The graph on marginal revenue shows that marginal revenue D) remains the same as production increases.
What is marginal revenue ?The increase in revenue that comes from selling one more unit of output is known as marginal revenue. Although marginal revenue can remain constant at a certain level of output, it will eventually start to decline as the output level rises due to the law of diminishing returns.
According to economic theory, firms that are completely competitive keep on producing goods until marginal revenue and marginal cost are equal.
As shown in the graph, the marginal revenue was $ 10 from the first unit produced up until the 7 th unit produced. This means that the marginal revenue remained the same as production increased.
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give short introduction about tourism industry
Answers
Answer:
Tourism industry is the industry that manages all the resources related to the tourism like hotel management, guides and many more. Tourism industry is very beneficial for the developing countries like Nepal, India and many more. Through it there will be economic development in the country. And from the economical development the citizens of the country can get facilities.
Answer:
Explanation: Tourism is the activities of people traveling to and staying in places outside their usual environment for leisure, business or other purposes for not more than one consecutive year.1.Domestic Tourism -Domestic tourism is the act of travelling for business or leisure within one’s home country2.International tourism-International tourisminvolves tourist who are traveling to different countries.
Many nations restrict hedging of their currencies due to their national and international policies and interests.
Answers
Answer: False
Explanation:
Currency hedging is defined as plan to reduce the influence of foreign exchange on international investment. Many nation's partake in hedging of their currency in order to protect or reduce foreign exchange effect on their currency. They do these by either foreign currency option, forward contracts or spot contracts. It is a safe measure that should be applied by countries for their currency.
perceived usefulness and ease of use of a system influence an individual’s attitude toward the system. T/F
Answers
True. An individual's perception of the utility and simplicity of a system affects their attitude toward it.
What factors are influenced by how useful and simple a system is judged to be?An individual's perception of the utility and simplicity of a system affects their attitude toward it. A company can invest less in information systems than another and still gain more for their money.
What is a product's alleged usefulness?The TAM defines perceived usefulness as the extent to which a person thinks that utilizing a given technology would improve his or her ability to accomplish their work. Perceived utility, according to Davis et al. (1992), refers to customers' opinions about the experience's result.
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Which kind of protection does homeowners insurance offer? Check all that apply.
A. It protects a car against theft in the parking lot.
B. It covers damages to a home.
C. It protects a home against theft.
D. It protects against accidents or injuries.
E. It covers property lost outside of the home.
Answers
Answer:
2,3,4,5
Explanation:
Homeowner's insurance keeps the owner safe from house damages, theft, accidents or injuries or mishap, etc
What do you understand by homeowners insurance offer?
Property holder's insurance contracts frequently cover the inside and beyond a home, as well as the misfortune or robbery of individual possessions and individual risk for harm to other people.
The home insurance cover:
The actual cost of the house, replacement cost, and extended replacement cost/value. The feature of home insurance are:
It covers house damages It protects against theftagainst accidents or injuries or mishapproperty lost inside and beyond/outside the houseTherefore options B, C, D, and E aptly describe the homeowner's insurance.
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interview any business owner on impact of crime
Answers
Answer:
Businesses that had been affected by crime were found to be 17 to 22 percent less likely to increase employment. Almost half the businesses said that fear of crime among their clients or customers had had a negative impact on their businesses. This figure was particularly high in townships and inner city locations.
Explanation:
I hope this helps you sorry if it doesn’t
The key to a good assessment of the alternatives: (Choose all that apply.) Multiple select question. ensures buy in at all levels of the organization. makes sure that managerial mind-set is the main consideration. defines the opportunity or threat exactly. specifies the criteria that should influence the selection of appropriate alternatives.
Answers
The key to a good assessment of the alternatives:
C. defines the opportunity or threat exactly.D. specifies the criteria that should influence the selection of appropriate alternatives.What is an Assessment?This refers to the analysis that is done to ensure the best possible thing is selected and that threat is identified and eliminated on time.
Hence, we can see that when making good assessments, it is important to define the threat or opportunity and then specify the criteria that should influence the selection of appropriate alternatives.
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You are creating the wbs for a project. which indicator best shows that you have decomposed a work package to an appropriate level?
Answers
You are creating the wbs for a project. The work can be completed within a reporting period shows that you have decomposed a work package to an appropriate level.
Work Package
A work package is a component of the work breakdown structure that allows project management to identify the actions required to complete the work. As such, a work package can be viewed as a sub-project that, when merged with other work package units, forms the finished project. By dividing the work into work packages, numerous teams can work on different aspects of the project concurrently or sequentially. Each team adheres to the processes outlined in the work package plan and completes them by the deadline. When all teams have completed their particular work packages, the project as a whole comes together and the objectives are met.
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How does a consumer complaint benefit the manufacturer?
A. The complaint notifies the manufacturer of a possible issue.
B. The complaint is registered with the government.
C. The complaint tells the manufacturer they did something wrong.
D. The complaint leads to an investigation.
Answers
Answer:
A. The complaint notifies the manufacturer of a possible issue.
Explanation:
this lets the manufacturer become aware of any issues- this benefits them
A consumer complaint benefit the manufacturer by Option(A) The complaint notifies the manufacturer of a possible issue.
What is a consumer and a manufacturer ?A consumer is a person or a group who intends to order uses purchased goods, products primarily for personal, social household and similar needs, not directly related to any of business activities.
A manufacturer is a person or company that produces finished goods from raw materials by using various tools, equipment, and processes, and then sells the goods to consumers distributors, retailers, or to other manufacturers for the production and make their profit out of it.
How does a consumer complaint benefit the manufacturer ?A consumer make any complaint to the manufacturer if after taking the product or using it , the consumer founds any flaws or mistakes in it which might not be notified by the manufacturer.
Therefore, a consumer complaint benefit the manufacturer by Option(A) The complaint notifies the manufacturer of a possible issue.
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The management function that anticipates trends, then determines strategies and tactics to achieve them is:.
Answers
Planning corresponds to the management function that anticipates trends and determines strategies to achieve organizational goals and objectives.
PlanningIt is the identification of the strategy that will help a company to achieve its marketing objectives, be well positioned and competitive in the market.
Managers who will develop a company's strategic, tactical and operational planning must understand its set of values and resources and use them optimally in the form of specific actions to achieve efficiency that will make a company successful.
The correct answer is:
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Suppose a University has an endowment of 42 million dollars placed in a bank account earning a real rate of interest (nominal rate of interest - inflation) of 2% per year. What is the maximum amount of annual withdrawal a university can make to sustain the real value of its endowment?
Answers
To calculate the maximum amount of annual withdrawal a university can make to sustain the real value of its endowment, we need to consider the concept of real interest rate.
Real interest rate is calculated by subtracting the inflation rate from the nominal interest rate. In this case, the nominal interest rate is 2% and let's assume the inflation rate is 1%. Therefore, the real interest rate is 1%.
To sustain the real value of the endowment, the university needs to ensure that its withdrawals do not exceed the real rate of return. If the university withdraws more than the real rate of return, the purchasing power of the endowment will decrease over time.
So, the maximum amount of annual withdrawal the university can make to sustain the real value of its endowment would be 1% of the endowment, which is $420,000 per year. This amount will ensure that the real value of the endowment remains intact, even after taking into account inflation. However, the university may choose to withdraw less than this amount to maintain a cushion for unexpected expenses or to grow the endowment over time.
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