Appraisals, inspections, and title insurance
a are protections a mortgage lender might require
b are required for a deed transfer
c additional expenses and inconveniences related to purchasing a home
d unnecessary debts a homebuyer can incur
Answers
Appraisals, inspections, and title insurance are protections a mortgage lender might require, are required for a deed transfer, and additional expenses and inconveniences related to purchasing a home. Therefore, the correct options are A, B, and C.
The reasoning for each options is as follows.
a) These are protections a mortgage lender might require:
An appraisal is a thorough and professional assessment of a home's worth. It's a way for the mortgage lender to guarantee that the loan amount they're considering matches the true value of the property they're lending against. The bank requires an appraisal to ensure that they are not lending more than the property is worth.Title Insurance
Title insurance safeguards homeowners and lenders from financial loss as a result of title issues, such as ownership disputes, liens, and other legal disputes. Title insurance is required by most lenders because it protects them from any financial losses incurred as a result of title issues.
The inspection is for the buyer's benefit and is usually optional. A home inspection is an assessment of a property's overall health and the possible defects that need to be corrected. The inspection reports can be used to request repairs or credits from the seller.
b) These are required for a deed transfer:
Title insurance is required for deed transfer to protect the buyer against any legal claims against the property. Because it is required to obtain the property, the buyer must purchase a title insurance policy. Inspection can also be required when a deed is transferred to ensure that the property is in good condition and that the transfer is legal. An appraisal is usually required to establish the true worth of a property before it is transferred to a new owner.
c) Additional expenses and inconveniences related to purchasing a home:
While buying a home can be a great investment, it can also be a significant financial burden. The following are examples of unnecessary debts that a homebuyer might incur:
Homeowner Association Fees: Homeowners Association (HOA) fees are paid by homeowners who live in a particular community. These fees are put towards the maintenance and upkeep of the neighborhood, and they can be substantial.Property Taxes: Property taxes can be a substantial expense for homeowners, particularly those who live in metropolitan areas. Property taxes are determined by the local government and are assessed based on the value of the property.Mortgage Insurance: Mortgage insurance is typically required for homebuyers who are putting less than 20% down on their new home. It is a means of protection for the lender in the event that the borrower defaults on the loan.Thus, Appraisals, inspections, and title insurance are protections a mortgage lender might require; they are required for a deed transfer, and there can be additional expenses and inconveniences related to purchasing a home. The correct answer is option A, B, and C.
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Related Questions
Employees tend to stay with one company for their entire careers.
Please select the best answer from the choices provided
OTrue
OFalse
Answers
Answer:The answer would be true, unless the employee had to leave for personal reasons
Explanation:
the shift of the budget line from cd to ab in the above figure is consistent with:
A. decreases in the prices of both M and N.
B. an increase in the price of M and a decrease in the price of N.
C. a decrease in money income.
D. an increase in money income.
Answers
Answer:
Explanation:D. an increase in money income.
A budget line shows the combinations of two goods that a consumer can afford given their budget constraint, which is determined by their income and the prices of the goods. The slope of the budget line represents the relative prices of the two goods.
If the budget line shifts from cd to ab, this means that the consumer can now afford to buy more of both goods, since the budget constraint has expanded. This could be due to an increase in money income, which would allow the consumer to spend more money on goods and services.
Decreases in the prices of both goods (choice A) or an increase in the price of one good and a decrease in the price of the other (choice B) could also lead to a shift of the budget line outward, but these options are not as general as an increase in money income, which can apply to any combination of goods. A decrease in money income (choice C) would shift the budget line inward, making the consumer afford fewer goods.
The correct answer is C. a decrease in money income. When there is a decrease in income, the budget line shifts inward, resulting in a decrease in the amount that can be spent on both goods, represented by the shift from cd to ab in the figure.
The shift of the budget line from CD to AB is consistent with a decrease in the prices of both M and N because when the prices of both goods decrease, the consumer can now afford more of both goods with the same income, which leads to an outward shift of the budget line.
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Firms engage in an activity called "forward pricing" when they establish, during the early stages of the learning curve, a price for their products that is lower than their actual costs, in anticipation of lower costs later on, after significant learning has occurred. Under what conditions, if any, does forward pricing make sense?
Answers
The learning curve refers to the rate of improvement in productivity that is achieved as experience with a product or service is gained. As a firm gains experience, it is able to produce goods or services more efficiently and at lower costs.
Forward pricing makes sense under the following conditions: Anticipated cost reductions: Firms expect that their production costs will decrease over time due to learning curve effects, economies of scale, or technological advancements, which will eventually enable them to cover the initially lower price with lower costs.
Market penetration: Firms aim to gain a significant market share or establish a strong presence in the market quickly. By offering a lower price, they can attract more customers and build brand loyalty.
High competition: In highly competitive markets, forward pricing can help firms differentiate themselves from competitors and increase their market share.
First-mover advantage: When firms introduce new products or technologies, forward pricing can help them build a customer base and establish a reputation for innovation before competitors enter the market.
Future profitability: Firms believe that the long-term benefits of forward pricing, such as increased market share and customer loyalty, will outweigh the initial losses due to selling below cost.
In summary, forward pricing makes sense when firms anticipate cost reductions, aim for market penetration, face high competition, seek a first-mover advantage, and expect long-term profitability.
Forward pricing can make sense under certain conditions. When a firm is operating in an industry where there is a steep learning curve, it can benefit from forward pricing.
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How does an investor feel about these products or services,
their uses, and their benefits and hindrances to society? Do u
think it matters if it is "right" to invest, for instance, in a
beer brew
Answers
From an investor's standpoint, their primary objective is to generate returns on their investment, and they will base their decision to invest in a product or service based on the expected financial return.
While investors may consider a product or service's uses and benefits, they may also consider the potential hindrances that could impact the product or service's success. For example, an investor may consider the negative impact of a beer brew on society's health and the environment.
Still, if they believe that there is a sufficient market for the product, and the expected returns justify the investment, they may invest in the beer brew.
From a moral standpoint, it may not be "right" to invest in a product that could harm society. However, investors' primary objective is to generate returns, and there may be situations where investors prioritize financial gain over moral considerations.
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A drug interdiction program that successfully reduces the supply of illegal drugs in the united states likely will.
Answers
A drug interdiction program that successfully reduces the supply of illegal drugs in the United States is likely to cause a decrease in drug use.
Drug interdiction refers to the prevention of illegal drugs from being trafficked. The key objective of drug interdiction efforts is to reduce the supply of illegal drugs. In the United States, drug interdiction programs, including the border patrol, customs, and law enforcement efforts, play a critical role in drug supply reduction.
Illegal drugs are drugs that have not been authorized by regulatory bodies and are thus subject to strict limitations and prohibitions. The use and distribution of illegal drugs, such as cocaine, marijuana, and heroin, is a significant problem in the United States. Due to the associated harm, including addiction, overdoses, and the spread of blood-borne illnesses like hepatitis and HIV, it is critical to limit the availability of illegal drugs.
When illegal drugs are difficult to obtain, there is a reduction in the number of people using drugs. Furthermore, a reduction in drug availability increases the cost of obtaining drugs, making them less attractive to users.
Therefore, reducing the supply of illegal drugs, which drug interdiction programs strive to achieve, has a significant impact on the demand for and use of drugs.
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Bought a motor van by cheque would result in
A. Increase in motor van and decrease in bank
B. Decrease in motor van and increase in bank
C. Increase in motor van and increase in capital
D. Increase in motor van and decrease in capital
Answers
Answer:
The answer is B.
Hope this helps!
Answer:
B one is correct
Explanation:
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Assume Gillette Corporation will pay an annual dividend of $0.63 one year from now. Analysts expect this dividend to grow at 11.8% per year thereafter until the 5th year. Thereafter, growth will level off at 1.9% per year. According to the dividend-discount model, what is the value of a share of Gillette stock if the firm's equity cost of capital is 8.1%? The value of Gillette's stock is $ ____ (Round to the nearest cent.)
Answers
To grow at 11.8% per year thereafter until the 5th present value year. Thereafter, growth will level off at 1.9% per year. According to the dividend-discount model, value of a share of Gillette stock if the firm's equity value of Gillette's stock is $ 71.15.
First, using the provided growth rates, we must determine the anticipated dividends for the following six years: Year 1 dividend is $0.61. Year 2 dividend is $0.61 times (1 plus 11.7%) ($0.68), and Year 3 dividend is $0.68 times (1 plus 11.7%) ($0.76).Year 4 dividend equals $0.76 times (1 plus 11.7%)
Year Five Dividend of $0.85 = $0.85 x (1 + 11.7%) = $0.95Year 6 dividend: $0.95 times (1 plus 11.7%) equals $1.06.
Next, using the equity cost of capital of 8.8%, we must determine the present value of the dividends for the first six years:
PV of Year 1 dividend equals $0.61 / (1 + 8.8%) = $0.56PV of Year 2 dividend equals $0.68 / (1 + 8.8%)PV of Year 3 dividend = $0.76 /(1 + 8.8%) 2 = $0.583 = $0.61PV of Year 4 dividend = $0.85 (1 + 8.8%); 4 = $0.64PV of Year 5 dividend = $O.95PV of Year 6 dividend = $1.06; and 5 = $0.67PV of Year 6 dividend = $1.06. The dividend discount model can be used to determine the present value of all upcoming dividends beyond Year 6: PV of all future payouts is 1.06AE (1+1.618.68)
The total value of the shares may then be calculated by adding the present values of the dividends for the first six years and the present values of all upcoming payouts: Total stock value is equal to 0.56, -0.58, 0.61, -0.64, -0.71, and 18.68, -71.15.
Complete question:
Assume Gillette Corporation will pay an annual dividend of $0.63 one year from now. Analysts expect this dividend to grow at 11.8% per year thereafter until the 5th year. Thereafter, growth will level off at 1.9% per year. According to the dividend-discount model, what is the value of a share of Gillette stock if the firm's equity cost of capital is 8.1%? The value of Gillette's stock is $ ____ (Round to the nearest cent.)?
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target audience → the group of people at whom advertisements are aimed
True
False
Answers
What is 5.00 per lip gloss with 50 orders of Pineapple and 40 strawberry and 90 raspberry Lipglosses
Answers
please help me with this match the column if i get perfect answer then i will give brainliest
Answers
Answer:
what do you need help on
Explanation:
Why should a society be careful in using its natural resources
Answers
Answer:
... because natural resources are limited in quantity, and once they are depleted, they are gone forever.
Explanation:
a. Explain the definition of interim payment.b. All contents in a contract describes rights and obligations of parties under the contract. Those contents can be in
Answers
a. Interim payment: Partial payment made during a project before its completion to cover ongoing expenses and maintain cash flow.
b. Contents in a contract: Provisions in a contract that outline the rights and obligations of the parties involved.
Interim payment refers to a partial payment made to a contractor or subcontractor during the course of a project. It ensures that the contractor has sufficient funds to cover expenses and maintain cash flow while the project is still ongoing. Interim payments are typically based on the progress or work completed at a specific stage of the project.
The contents of a contract include all the provisions and terms that define the rights and obligations of the parties entering into the contract. These provisions can cover various aspects such as scope of work, payment terms, delivery schedules, warranties, dispute resolution mechanisms, and other relevant contractual terms. The purpose of including these contents in a contract is to establish a clear understanding between the parties, ensure compliance with agreed-upon terms, and provide a legally binding framework for the execution of the contract.
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Which of the following types of insurance do businesses frequently offer as part
of their employee benefit plan
A. Automobile
B. Health
C. Property
D. liability
Answers
Answer:
i think is B correct me if i wrong
conzo is injured in an accident while working at his job. he received $1,500 in worker's compensation benefits for 5 weeks of lost work. how much should conzo report as gross income from the receipt of these benefits? $300 $-0- $750 $900
Answers
When reporting gross income from worker's compensation benefits, Con zo should include the total amount he received. In this case, Con zo received $1,500 in worker's compensation benefits for 5 weeks of lost work.
To calculate the gross income, you can divide the total amount received by the number of weeks, which gives us $1,500 divided by 5, equaling $300.
Therefore, Con zo should report $300 as his gross income from the receipt of these benefits.
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Conzo should report $-0- as his gross income from the receipt of these worker's compensation benefits, as they are not taxable. Therefore, option B is correct.
Conzo should report $-0- as gross income from the receipt of these benefits.
Worker's compensation benefits are typically not considered taxable income. This means that Conzo does not need to report the $1,500 he received as gross income.
Worker's compensation benefits are designed to provide financial support to employees who are injured or become ill due to their job. These benefits aim to cover medical expenses and replace lost wages during the recovery period. Since the purpose of these benefits is to compensate for lost wages, they are not subject to federal income tax or most state income taxes.
Therefore, Conzo should not include the $1,500 in his gross income when reporting his income for tax purposes. This is because the compensation is intended to offset the financial impact of the injury or illness and not to generate additional income.
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Tucker works for a retail distributor company that was recently started. Tucker already invested a lot of his earnings into shares of the company. When the quarterly earnings are posted, Tucker receives a check for 8% of the quarterly profit of the company. Tucker belongs to a _________ Corporation.
A. Professional
B. Closely-Held
C. Sub chapter S
Answers
The systematic application of scientific knowledge to any product, process, or service is called ______.
Answers
The systematic application of scientific knowledge to any product, process, or service is called technology.
Technology is the use of scientific principles, methods, and tools to create, develop, or improve products, processes, and services. It involves the practical implementation of discoveries and inventions to enhance the quality of life and address various challenges faced by society.
Technology plays a significant role in our everyday lives, including communication, transportation, healthcare, and education.
For example, the internet and smartphones have revolutionized the way we communicate, allowing us to instantly connect with people around the world. In transportation, advances in technology have led to the development of high-speed trains, electric cars, and even autonomous vehicles.
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Tim is the accountant of a trading firm. Two years ago, the company bought a commercial van that had a value of $10,000. The van’s current market price is $8,500. However, Tim continues to value it at the original cost. Which principle guides his action?
Answers
Answer:
B. historical cost
Explanation:
According to the historical cost principle, the assets should be valued at purchased cost whether the market value is more or less
Since in the question, it is mentioned that the Tim continues the commercial van value at the purchased cost only even the market price is available
So this represents the historical cost principle
Hence, the correct option is b,
Qik Fix-It offers Cody a job as a plumber. No time for acceptance is specified in offer. The offer will terminate: Group of answer choices A. This common law offer will expire after a reasonable period of time. B. This UCC offer will expire after a reasonable period of time. C. After atypical work week (five business days) for this common law offer D. This common law offer will expire after a usual month (thirty calendar days). E. Never
Answers
Answer:
A. This common law offer will expire after a reasonable period of time.
Explanation:
Since in the question Cody offered a job from Qik Fix as a plumber but there is no time given for acceptance so the offer would be terminated after a reasonable time period as this represents a common law where the offer would be expire after a reasonable period in the case when the time period is not mentioned
Therefore the correct option is a.
An assembly line requires two components: gadjits and widjits. Gadjits are produced by center 1 and widjits are produced by center 2. Each unit of the end item, called a jit-together, requires 3 gadjits and 2 widjits. The daily production quota on the assembly line is 900 jit-togethers. The container for gadjits holds 75 units. The policy variable for center 1 is set at 0.05. The average waiting time for a container of gadits is 0.07 day, and 0.05 day is needed to produce a container. The container for widjits holds 40 units, and the policy variable for center 2 is 0.07. The average waiting time per container of widjits is 0.11 day, and the time required to process a container is 0.26 day. a. How many containers are needed for gadjits? ___ containers. (Enter your response rounded up to the next whole number.) b. How many containers are needed for widjits? ___ containers. (Enter your response rounded up to the next whole number.)
Answers
a. The number of containers needed for gadgets is 40 containers.
b. The number of containers needed for widgets is 70 containers.
a. To determine the number of containers needed for gadgets, we divide the daily production quota of 900 get-togethers by the number of gadgets required per unit (3). This gives us 3000 gadgets. Since each container holds 75 gadgets, we divide 3000 by 75 to get 40 containers.
b. For widgets, we divide the daily production quota of 900 get-togethers by the number of widgets required per unit (2). This gives us 1800 widgets. Since each container holds 40 widgets, we divide 1800 by 40 to get 45 containers. However, since the policy variable for center 2 is set at 0.07, we multiply 45 by (1 + 0.07) to account for the additional containers needed, which equals approximately 70 containers.
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what is the maximum loan you can obtain based solely on the loan-to-value constraint? show your work.
Answers
Maximum Loan Available = 80% of Value of Property = 6.8Lacs * 80% = 5.44 Lacs.
If a bank approves a loan for 4.8 lacs in this case, it means that bank is adhering to the rule "Loan Amount = (Lower of (Valuation or Actual Price))" * Value Loan
Since the actual price in this case was 6 lacs, the bank chose the lower of the two, or 6.8 lacs vs. 6 lacs, meaning that it received 6 lacs* 80% = 4.8 lacs.
Property is anything over which a person or a company has legal ownership. Property can refer to either intangible items with the potential for future value, such as stock and bond certificates, or tangible items like homes, automobiles, or appliances.
Individual loans
Home loans and business loans.
Loan of Gold
Rent deposit loan.
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"Whenever Andrew considers upgrading his personal computer system, he consults with Jeremy, a knowledgeable friend who always has the newest technology. For Andrew, Jeremy is a(n) __________ in the diffusion of innovation curve."
Answers
Answer: innovator
Explanation:
From the question, we are informed that whenever Andrew considers upgrading his personal computer system, he normally consults with Jeremy, a knowledgeable friend who always has the newest technology.
Regarding the question, Jeremy is an innovator. An innovator is someone who has embraced new ideas and is always trying out new gadgets and technology.
According to the U.S. Census Bureau, in 1950, 39.3 million families had a child under 18 at home. Suppose a recent study found that number had decreased by 9.3%. How many million families had a child under 18 at home according to this study? Round the number of millions to the nearest tenth.
Answers
Answer: 35.7 million
Explanation:
Number of families that have a child of under 18 at home = 39,300,000
Percentage decrease = 9.3% = 0.093
The number of families that had a child under 18 at home according to this study will be:
= 39.3 million - (39.3 million × 0.093)
= 39.3 million - 3.6549 million
= 35.6451 million
= 35.7 million
The Head Company has had a successful year and expects earnings per share to grow by 25 percent to reach $5.50 for this year. Estimate the price of the company's common stock assuming the industry's price/earnings ratio is 12.
Answers
To estimate the price of the company's common stock, we can use the price/earnings (P/E) ratio and the expected earnings per share (EPS) for the year.
The P/E ratio is a measure of how much investors are willing to pay for each dollar of earnings. In this case, the industry's P/E ratio is given as 12.
To estimate the price of the company's stock, we multiply the expected EPS by the P/E ratio:
Price of Stock = Expected EPS * P/E Ratio
Given that the expected EPS is $5.50 and the industry's P/E ratio is 12, we can calculate:
Price of Stock = $5.50 * 12
Price of Stock = $66
Therefore, based on the given information, the estimated price of the company's common stock is $66.
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Your friend has been accepted into her #1 choice for college. She’s so excited that she doesn’t bother looking at her financial aid package and wants to confirm her spot right away. What do you tell her and why?
Answers
you should say that although you are beyond ecstatic for her, financial aid is vital for many who are applying to colleges. This could harm her in the long run if she continuously ignores the situation. It could create debt that she may not be able to pay off for many years so it is best that she looks into the financial aid plan before securing a spot
It's natural to be excited and want to confirm her spot right away, but I would suggest that she take the time to review her financial aid package before making any decisions.
What is importance of financial aid package?It's important to understand the financial commitments and obligations that come with attending college, as it can have a significant impact on her future finances. By reviewing the financial aid package, she can get a better understanding of the costs of attending the college and the amount of financial aid she'll receive, including scholarships, grants, and loans.
If she doesn't take the time to review the financial aid package, she may end up with unexpected costs and debt that could have been avoided. It's important to make an informed decision about college and ensure that it's a financially sound decision.
Therefore, I would advise your friend to take the time to review her financial aid package and understand the costs and obligations of attending her dream college before confirming her spot.
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_____ was withheld specifically for the tax that is used to pay for a healthcare program.
_____ was withheld for the payroll tax that specifically supports retired and disabled citizens.
_____ If this individual made more money, the amount withheld for Social Security would
Answers
Answer: First : 612.65$
second : 2567.45$
Third : Increase
Explanation: i did this by self its surity
Answer:
Answers
First Sentence: $612.65
Second Sentence: $2567.45
Third Sentence: Increase
Explanation:
Edgen 2020
~PLEASE HELP~
Why is it important to develop an idea of your potential career cluster now?
Answers
Answer:
It is important for you to get a idea what you would to be in because it is going to help you understand your purpose in life. It is going to help you choose the right college for you.
Explanation:
when an individual transfers property to another taxpayer during their life, without receiving or expecting to receive value in return, the property transferred is a(n) and is (taxable/nontaxable) to the person receiving the property.
Answers
When an individual transfers property to another taxpayer during their life, without receiving or expecting to receive value in return, the property transferred is a gift, and it is nontaxable to the person receiving the property depending on the value of the gift.
In the United States, the Internal Revenue Service (IRS) imposes a gift tax on the donor (the person making the gift) if the total value of the gifts made during their lifetime exceeds the annual exclusion amount (which is $15,000 per recipient for the year 2022). However, the recipient (the person receiving the gift) generally does not have to pay taxes on the gift.
There are some exceptions to this rule. For example, if the gift is income-producing property, the recipient may be required to pay income taxes on any income generated by the property. Additionally, if the recipient later sells the property for a profit, they may be required to pay capital gains taxes on the sale.
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a. What is the stock's value? $ b. Sundose interest rates rise and pull the preferred stock's yield up to 11%. What is its new market value? $
Answers
In order to find the stock's value, we need to use the formula to calculate the value of preferred stocks which is; P = D / R.
P = stock value, D = dividend, R = yield or rate.1. What is the stock's value?
The formula to calculate the value of preferred stocks is:P = D / R
Where P = stock value, D = dividend, R = yield or rate.
The dividend is $9.50, and the yield is 10%.
Using the above formula;P = D / RP = 9.50 / 0.1P = 95
Therefore, the stock's value is $95.2.
Sundose interest rates rise and pull the preferred stock's yield up to 11%.
If Sundose interest rates rise and pull the preferred stock's yield up to 11%, what is its new market value?
The formula to calculate the value of preferred stocks is:P = D / R
Where P = stock value, D = dividend, R = yield or rate.
The dividend is $9.50, and the yield has risen to 11%.Using the above formula;P = D / RP = 9.50 / 0.11P = $86.36
Therefore, its new market value is $86.36.
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Formulate and answer a True/False question for each of the following topics:
a. Integer Optimization – Binary Constraint Types
b. Integer Optimization – Fixed Charge Model and Excel Solving
c. Project Scheduling – Impact of shortening an activity
d. Project Scheduling – Impact of delaying an activity
Answers
a. In Integer Optimization, binary constraint types restrict variables to only take on values of 0 or 1. True.
b. The Fixed Charge Model is a type of Integer Optimization problem and can be solved in Excel using the Solver add-in.
True.
c. False. Shortening an activity in a project schedule may not always result in a reduction of the project duration if the shortened activity is not on the critical path.
d. True. Delaying an activity in a project schedule will always result in an increase in the project duration, as it will push back the start and end dates of subsequent activities.
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Maurice does not know what kind of career he would like. He knows he likes animals but does not know if he would enjoy working with animals. Which of the following actions would best help him to decide if a career involving animals would be a good fit for him?
A.
volunteering at the animal shelter
B.
taking a job at the local ice cream parlor
C.
researching what education is required to work at a zoo
D.
deciding how much money he would like to make
Answers
Answer:
Option A
Explanation:
In simple words, Maurice is confused that if he should work with animals or not. Working voluntary in an animal shelter would give him a first hand experience and will definitely clarify his doubts to a very good extent.
The ice cream parlor option do not provide him with any exposure. And researching is baseless s he is not sure if he even wants to work with animals. Last question is also incorrect as the case did not given any fact about his Monterey ambitions.