an example of a subprime loan is: select one: a. an fha loan b. a va loan c. a reverse mortgage d. a negative amortization loan

Answers

Answer 1

An example of a subprime loan is D. a negative amortization loan.

Subprime loans are offered to borrowers who have a lower credit score or don't qualify for conventional loans. A negative amortization loan is a type of subprime loan where the borrower's monthly payment is not sufficient to cover the interest accrued, leading to an increase in the principal balance over time. This loan option carries a higher risk for lenders due to the borrower's creditworthiness and the possibility of negative equity, making it a subprime loan. In contrast, FHA loans, VA loans, and reverse mortgages are government-backed or insured loans designed to assist specific borrower groups, rather than targeting borrowers with low credit scores.

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Related Questions

on a given day a stock dealer maintains a bid price of $1,005.50 for a bond and an ask price of $1,008.25. the dealer made 17 trades that totaled 850 bonds traded that day. what was the dealer's gross trading profit for this security?

Answers

On a given day a stock dealer maintains a bid price of $1,005.50 for a bond and an ask price of $1,008.25. The dealer's gross trading profit for this security is 2337.5.

Gross trading profit for this security = 850*(1008.25-1005.50) = 2337.5

What is gross profit?

A company's gross profit is calculated by deducting its entire sales from its total cost of products sold. All products sold by the business are included in the overall sales.

What distinguishes trading profit from net profit?

Information about gains or losses from various trading activity is provided by the trading account. The net profit or loss for the period is calculated using the profit and loss account. The organization's gross profit and net profit are determined using the trading and P&L accounts.

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Isaiah needs to visit the doctor. The cost of the appointment without insurance is $200.Isaiah has an insurance plan through his employer with a $50 monthly premium and $20 co-pay. How much will Isaiah have to pay his doctor?
a.$0
b.$20
c.$50
d.$200​

Answers

Answer:

b.$20

Explanation:

Insurance co-pay is a pre-determined amount that a person with medical insurance pay every time they use medical services. The co-pay is a dollar amount and usually less than $25. Different insurance companies have varying co-pay amounts for different services, such as doctor visits and prescriptions.

Isaiah will pay $20 for a visit to the doctor, as stated in the policy document. The $50 premium is payable to the insurance company every month to maintain the insurance coverage.  

One benefit of a savings account is that you can earn interest on your deposits
O True
O False

Answers

Answer:

O True

Explanation:

A savings account offers a safe and secure platform for firms and households to save money. Savings accounts are offered by financial institutions such as banks and credit unions. When customers open savings accounts, they save by depositing money in their savings accounts.

Banks and credit unions require customer deposits to create loans for other customers. They encourage customers to save by offering interest on savings or deposits. It is true that banks pay interest on customer savings.

the portion of bonds or notes payable that is not due within one year is reported as a(n) a.long-term liability on the balance sheet. b.expense on the income statement. c.part of stockholders' equity. d.current liability on the balance sheet.

Answers

The portion of bonds or notes payable that is not due within one year is reported as a current liability on the balance sheet. Option D.

Items of liabilities from bonds are found in the liabilities section of the balance sheet. Interest expense and redeemable bonds are considered liabilities because bonds are financial instruments that represent future cash outflows.

The premium or discount on a bond not yet amortized with interest expense is reported immediately after the bond's nominal value in the Liabilities section of the balance sheet. When a bond is issued at a premium the principal is credited to the bond liability account.

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.The following are selected items derived from Dibb Company's adjusted trial balance on December 31, 2016:

Loss on sale of land $5,000
Cost of goods sold $130,000
Sales (net) $198,000
Operating expenses 45,000
Twelve thousand shares of common stock were outstanding the entire year.

Required:

Assuming a 30% income tax rate on all items of income, prepare a 2016 income statement for Dibb's Company using a multiple-step format. Round earnings pershare computations to two decimal places.

DIBB COMPANY
Income Statement (Multiple-Step)
For Year Ended December 31, 2016
Sales (net) $
Cost of goods sold
Gross profit $
Operating expenses
Operating income $
Other items
Loss on sale of land
Income before income tax $
Income tax expense
Net income $
Components of Income EPS
Net income $
Assuming a 30% income tax rate on all items of income, prepare a 2016 income statement for Dibb's Company using a single-step format. Round earnings per share computations to two decimal places.

Answers

The Net income Assuming a 30% income tax rate on all items of income, prepare a 2016 income is $ 12,600 and using a single-step format it is $ 12,600.

Overall gain (NI), additionally called net income, is determined as deals short expense of merchandise sold, selling, general and authoritative costs, working costs, deterioration, interest, charges, and different costs. Investors can use this number to determine whether a company's revenue is greater than its expenses. This number can be seen on an organization's income statement and can also tell you how profitable the company is.

Subsequent to noticing their gross pay, citizens take away specific pay sources, for example, Government backed retirement advantages and qualifying derivations, for example, understudy loan interest. The thing that matters is their AGI. Albeit the terms are now and again utilized reciprocally, net gain and AGI are two distinct things. The taxable income of a taxpayer is then determined by subtracting standard or itemized deductions from their AGI. The individual's NI, as previously stated, is the difference between taxable income and income tax, but this amount is not listed on individual tax forms.

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.The following are selected items derived from Dibb Company's adjusted trial balance on December 31,
.The following are selected items derived from Dibb Company's adjusted trial balance on December 31,

On December 1, 2021, Carlos entered into a lease on a building for use in his business for $1,000 per month. Under the lease terms, Carlos pays 18 months’ rent ($18,000) in advance on December 1. How much can Carlos deduct for rent in 2021?
a. $12,000
b. $18,000
c. $1,000
d. $13,000

Answers

The amount that Carlos can deduct for rent in the year 2021, based on his annual rent is c.$1,000.

Rent in 2021

When recording rent, you can only record it for the period that the financial statement is for.

The rent given is for 18 months from December 2021 which means that it will be for only a single month in December.

The rent will therefore be a rental amount for a month:

= Rental amount / Number of months

= $18,000 / 18

= $1,000

In conclusion, option C is correct.

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Which of the following is NOT true about technology?
O It can improve productivity.
OIt can create new markets.
O It's always good for everyone.
It can reduce costs.

Answers

Answer:

it's always good for everyone

Explanation:

some people might get bullied online or get texts from creeps

Red Devil Investors has a success rate of one project for every four funded. Red Devil has an average loan period of 2 years and requires a portfolio return of 24.7%. If you borrow from Red​Devil, what is your annual cost of​ capital?

Answers

If you borrow from Red Devil Investors, the annual cost of capital would be 98.8%.

To calculate the annual cost of capital, we need to consider the success rate of one project for every four funded by Red Devil Investors, the average loan period of 2 years, and the required portfolio return of 24.7%.

The annual cost of capital can be determined by dividing the required portfolio return by the success rate:

Annual Cost of Capital = Required Portfolio Return / Success Rate

In this case, the success rate is 1 project for every 4 funded, which can be expressed as 1/4 or 0.25.

Annual Cost of Capital = 24.7% / 0.25

Annual Cost of Capital = 98.8%

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which of the following is/are employed to express the values of interest groups?

Answers

The term that is employed to express the values of interest groups is b. Lobbyists.

What is interest groups?

A special interest group  can be descrbed as the community within a larger organization that is been seen to be having shared interest in as regards specific area of knowledge.

t should be noted that the learning or technology are the things that can be attributed to the interet group and the members cooperate to affect or to produce solutions  which can be seen to be in a particular field, and  help to meet, and organize conferences to achieve a goal.

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complete qustion;

Which of the following is employed to express the values of interest groups? a. Pressure groups c. Executive appointees b. Lobbyists

True or False. The people in the stock exchange are paid a share from the investors’ profits.?

Answers

Answer:

false

Explanation:

How cash inflow and outflow affects the components of a financial plan

Answers

Budgeting depends on cash inflow and​ outflow, and how much you have left affects investment​ decisions, retirement​ decisions, and financing decisions. ... All financial goals must be reasonable and achievable.

Todd, a travel agent, lost his job due to no need for his skill. This is an
example of what type of unemployment?
A. Cyclical unemployment
O
B. Voluntary unemployment
C. Structural unemployment
D. Frictional unemployment

Answers

The answer is be because the he chose to leave I think

as the attrition loss in a process increases, what happens to the yield?

Answers

Answer:

The yield decreases

Explanation:

GM Master Card users earn credit toward the purchase of a newGM vehicle whenever they use the credit card for purchases. The monetary value of the reward increases the more the credit card is used. GM is using _________.

Answers

GM is using a loyalty rewards program for its MasterCard users. The program rewards users with credit towards the purchase of a new GM vehicle, and the value of the reward increases based on the amount of usage of the credit card. This type of program is commonly known as a "credit card rewards program" or a "loyalty rewards program."


In this case, the more the GM Master Card is used for purchases, the more credit the users will accumulate towards the purchase of a new GM vehicle. This encourages customers to use the GM Master Card for their everyday spending, with the goal of eventually earning enough credit to significantly reduce the cost of a new vehicle.

The rewards program is a strategy employed by GM to foster customer loyalty and drive sales of their vehicles. By offering an incentive that is directly tied to their product, GM aims to increase customer engagement and brand loyalty. The program benefits both the customers, who can earn valuable rewards, and GM, which can boost sales and customer retention.

In summary, GM is using a credit card rewards program or loyalty program to encourage GM Master Card users to make purchases using their credit card, with the aim of earning credit towards the purchase of a new GM vehicle.

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What is profit in an economic system?
A. Profit is the investment a producer makes in the economy to achieve financial gain.
B. Profit is the net change in the value of the economy due to an exchange.
C. Profit is the financial gain resulting from an exchange.
D. Profit is the investment a consumer makes in the economy to achieve financial gain.

Answers

Answer:

I think D is correct answer

The profit in the economic system is the investment made by the consumer for accomplishing the financial gain.

The information related to the profit is as follows:

It is the surplus that comes after deducting the cost from the revenue made. It is the investment that should be made by the consumer for attaining financial gain.

Therefore all the other options are incorrect.

Thus we can conclude that profit in the economic system is the investment made by the consumer for accomplishing the financial gain.

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which automobile manufacturer is known as ""the ultimate driving machine""?

Answers

The automobile manufacturer that is known as "the ultimate driving machine" is BMW.


The automobile manufacturer known as "the ultimate driving machine" is BMW. Here's a brief step-by-step explanation:
1. Identify the question: Determine which automobile manufacturer is associated with the slogan "the ultimate driving machine."
2. Recall the slogan: Recognize that this is a well-known slogan in the automotive industry.
3. Connect the slogan to the brand: Associate the slogan with BMW, a German automobile manufacturer.
4. Answer the question: BMW is the automobile manufacturer known as "the ultimate driving machine."

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Someone in the 15 percent tax bracket can earn 10 percent annually on his investments in a tax-exempt IRA account. What will be the value of a $16,000 investment in 5 years? 10 years? 20 years? You may use Appendix C to answer the questions. Do not round intermediate calculations. Round your answers to the nearest dollar.

Answers

Answer:

A. $60,653

B. $98,313

C. $136,217

Explanation:

The formula that is used for calculating the annuity value is as under:

Annuity Value in "n" years = Present Value * (1  - (1 + r)^-n) / r

For 5 years:

Annuity Value in "5" years = $16,000  *  (1  - (1 + 10%)^-5) / 10%

= $60,653

For 10 years:

Annuity Value in "10" years = $16,000  *  (1  - (1 + 10%)^-10) / 10%

= $98,313

For 20 years:

Annuity Value in "20" years = $16,000  *  (1  - (1 + 10%)^-5) / 10%

= $136,217

. what are the four level of support available from aws? does free tier accounts get any support and at what level what are the five pillars mentioned? based on your it experience which pillar would you consider most important? why

Answers

In my IT experience, I consider the Security pillar to be the most important. Security is a fundamental aspect of any IT infrastructure, and ensuring the confidentiality, integrity, and availability of systems and data is crucial. Without proper security measures in place, organizations are exposed to various risks, such as data breaches, unauthorized access, and service disruptions. Therefore, prioritizing security helps protect the organization's assets and maintain the trust of customers and stakeholders.

The four levels of support available from AWS (Amazon Web Services) are:

1. Basic Support: It is available to all AWS customers at no additional cost. It provides access to customer service, documentation, whitepapers, and support forums.

2. Developer Support: This is a paid support level that offers technical assistance for developers, including guidance on best practices, architectural guidance, and troubleshooting help.

3. Business Support: This is a paid support level that provides a higher level of support for production workloads. It includes 24/7 access to AWS Support, faster response times, and support for more advanced technical issues.

4. Enterprise Support: This is the highest level of support available from AWS and is designed for large-scale enterprises with mission-critical workloads. It provides personalized support from a Technical Account Manager (TAM), proactive guidance, and access to a range of additional support resources.

Regarding free tier accounts, they do receive Basic Support at no additional cost. This includes access to customer service, documentation, and support forums.

The five pillars mentioned in the context of AWS Well-Architected Framework are:

1. Operational Excellence: Focuses on running and monitoring systems to deliver business value, continuously improving processes, and responding to events effectively.

2. Security: Emphasizes protecting information, systems, and assets through the implementation of security best practices and the use of industry-standard security controls.

3. Reliability: Aims to ensure systems can recover from infrastructure or service disruptions, automatically scale, and handle changes in demand without impacting business operations.

4. Performance Efficiency: Focuses on using computing resources efficiently to meet system requirements, optimizing performance, and reducing costs.

5. Cost Optimization: Involves managing costs and resources effectively, eliminating unnecessary expenses, and maximizing the return on investment.

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True or False: Labor is usually your lowest expense.

Answers

Answer:

False, if your talking about workinghard it is false bc you could break a bone or worse in the work of labor

False, still bc if your talking about having a child than your losing a lot of blood and pain is coming from it

so eathier way u go its still false

hoped this helped let me know if it did

please help me!!! I literally have no clue what it is​

please help me!!! I literally have no clue what it is

Answers

Answer:

Critical Thinking,Mathematics, and Operation and Control.

Explanation:

this form will be sent to Lily by the end of January. She will use this form to...

Answers

Answer:

\(\large\colorbox{white}{File her income taxes}\)

Explanation:

\(\large\colorbox{orange}{ɪ ʜᴏᴘᴇ ɪᴛ ʜᴇʟᴘs}\)

\(\large\colorbox{lime}{Xxᴊᴀsʜ13xX}\)

the gross income test for a dependent who is a qualifying relative mandates that the potential qualifying relative cannot have gross income over a certain amount. what is the gross income limit for tax year 2022?

Answers

The individual must have had a gross income in 2022 of no more than $4,400. In 2021, this sum was $4,300.

What does "gross income" mean for you?

Your gross income is comprised of your salary, dividends, capital gains, business revenue, retirement benefits, and other sources of income. Income can be modified to account for expenses like college tuition, student loan interest, alimony payments, or retirement plan contributions.

Are taxes included in gross income?

Yes, gross income is the whole amount of income produced by an individual or business before any deductions are made. The whole amount of revenue earned before deducting costs, interest, and taxes is referred to as gross income.

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Paper Company receives a $6,000, 3-month, 6% promissory note from Dame Company in settlement of an open account receivable. What entry will Paper Company make upon receiving the note?

Answers

Upon receiving the $6,000, 3-month, 6% promissory note from Dame Company in settlement of an open account receivable, Paper Company will make the following entry: Debit Notes Receivable for $6,000 and Credit Accounts Receivable for $6,000.

When Paper Company receives the promissory note from Dame Company, it needs to record the transaction in its accounting records.

The entry for this transaction involves debiting the Notes Receivable account and crediting the Accounts Receivable account.

The Notes Receivable account is used to track the amount of money owed to Paper Company through promissory notes.

By debiting this account for $6,000, Paper Company recognizes the new promissory note as an asset, indicating that it has a right to receive payment from Dame Company.

On the other hand, the credit to the Accounts Receivable account reduces the outstanding amount of the open account receivable from Dame Company.

Since the promissory note settles the open account receivable, the credit of $6,000 in the Accounts Receivable account signifies that the amount is no longer owed by Dame Company.

By making this entry, Paper Company properly records the receipt of the promissory note and adjusts its accounts to reflect the settlement of the open account receivable.

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what is the outcome of enforcing contracts and property rights in a market​ system?

Answers

Enforcing contracts and property rights in a market system leads to increased economic efficiency and growth.

This is because individuals and businesses have more confidence in entering into transactions and investing in capital, knowing that their property rights will be protected. This leads to the efficient allocation of resources, as individuals are able to enter into transactions that are mutually beneficial, and resources are directed towards their most productive uses. As a result, economic growth is stimulated and living standards rise.

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The following information was taken from the financial statements of Tolbert Inc. For December 31 of the current fiscal year: Common stock, $20 par (no change during the year) $10,000,000 Preferred $4 stock, $40 par (no change during the year) 2,500,000 The net income was $1,750,000 and the declared dividends on the common stock were $1,125,000 for the current year. The market price of the common stock is $45 per share. For the common stock, determine (a) the earnings per share, (b) the price-earnings ratio, (c) the dividends per share, and (d) the dividend yield. Round to one decimal place, except for dollar amounts which should be rounded to two decimal places

Answers

a. The earnings per share can be calculated as the net income available to common stockholders divided by the number of outstanding common shares: Earnings per share = $3.50, b. Price-earnings ratio = 12.86, c. Dividends per share = $2.25 and d. So, Dividend yield = 0.05 or 5.0%

a. The earnings per share can be calculated as the net income available to common stockholders divided by the number of outstanding common shares. To find the net income available to common stockholders, we need to subtract the dividends paid on preferred stock from the net income:

Net income available to common stockholders = Net income - Preferred dividends

Net income available to common stockholders = $1,750,000 - 0

Net income available to common stockholders = $1,750,000

Number of outstanding common shares = Common stock / Par value per share

Number of outstanding common shares = $10,000,000 / $20

Number of outstanding common shares = 500,000

Earnings per share = Net income available to common stockholders / Number of outstanding common shares

Earnings per share = $1,750,000 / 500,000

Earnings per share = $3.50

b. The price-earnings ratio can be calculated as the market price per share divided by the earnings per share:

Price-earnings ratio = Market price per share / Earnings per share

Price-earnings ratio = $45 / $3.50

Price-earnings ratio = 12.86

c. The dividends per share can be calculated as the dividends paid on common stock divided by the number of outstanding common shares:

Dividends per share = Dividends paid on common stock / Number of outstanding common shares

Dividends per share = $1,125,000 / 500,000

Dividends per share = $2.25

d. The dividend yield can be calculated as the dividends per share divided by the market price per share:

Dividend yield = Dividends per share / Market price per share

Dividend yield = $2.25 / $45

Dividend yield = 0.05 or 5.0%

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I WILL GIVE BRAINLIEST!!!

What needs to happen to prevent scarcity from re-occurring in the future?

Answers

Answer:

Government shouldn't increase the rate of tax

plants should be planted

Natural resources should be utilize properly

water resources should be kept clean

Explanation:

........

Sorting customers by their physical and social characteristics is called ______ segmentation.

Answers

Sorting customers by their physical and social characteristics is called demographic segmentation.

In economic and business, Demographic segmentation generally can be defined as a precise form of audience identification based on data points. The data point that usually used to precise form of audience are like age, gender, marital status, family size, income, education, race, occupation, nationality, and also religion. Each of variable or also criteria is called as a variable of demographic segmentation. Beside that, there are three main criteria of demographic segmentation, there are birth, migration, and aging.

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Lindor​ inc.'s $100 par value preferred stock pays a dividend fixed at​ 8% of par. to earn​ 12% on an investment in this​ stock, you need to purchase the shares at a per share price of

Answers

Answer: $66.67

Explanation:

Lindor​ inc.'s $100 par value preferred stock pays a dividend fixed at​ 8% of par. to earn​ 12% on an investment in this​ stock, you need to purchase the shares at a per share price of ;

Given the following :

Par value of preferred stock = $100

Fixed Dividend rate = 8% of par

Expected return on investment (r) = 12%

Purchase price of this stock in other to earn 12% :

Per share price is given by:

(par value × Dividend rate) / expected return

($100 * 0.08) / 0.12

$8 / 0.12 = $66.6666

= $66.67

Emily wants to find out how to use her savings to make more money. She goes online and finds a great Web site about
doubling your money every day. This information is

reliable and relevant
unreliable and relevant
reliable but Irrelevant
unreliable and irrelevant​

Answers

Answer:

When Emily wants to find out how to use her savings to make more money. She goes online and finds a great Web site about  doubling your money every day.

Unreliable and relevant

Explanation:

The reasons behind this answer are that at the first pace is relevant because she was looking for a place to use her savings to make more money. However, this is not a very reliable source of information because it is a random website and has no way to verify the authenticity and security of the operations that she could potentially make on it.  

Unreliable and relevant

Explanation:

First off it is Very Unreliable because you cant just double your money, that money will NEED to be earned by work which takes time, This is relevant because it seems like a relevant idea to people to just double money but just because this is relevant does not make it Reliable, therefore making this Answer "Unreliable and relevant."

Management, can anyone help me?

Management, can anyone help me?

Answers

I think it is C I looked up some stuff and they all add up to C

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