Mortgage classifications and borrower creditworthiness Suppose Lucia is planning to purchase a home and in her mortgage application, she declares that she plans to put a 4.5 percent down payment an the home. Additionally, Lucia's debt-to-income ratio and credit score are 41 percent and 595 , respectively.
Assuming that Lucia's mortgage application is accepted by the lender, how would her mortgage likely be classified? a. Conventional mortgage
b. Federally insured mortgage c. Prime mortgage d. Subprime mortgage

Answer:

Omar buys a snack pack of chips that he noticed while in line at the store - Convenience impulse good

Joaquin pays for renters' insurance so that he will get paid if his belongings are destroyed in accident or burglary - Unsought good

Jamie goes to the store to buy toothpaste - Convenience staple good

Wanda reads review of different video cameras to decide what brand she wants, and then chooses the store with the lowest price on that item - Shopping good

Adriana only buys doughnuts from her favorite local doughnut shop - Specialty good

Explanation:

I have been able to match the examples with the type of goods.

Unsought good is the good that the consumer has no knowledge of. Also, he wasn't thinking of buying such good. It is usually purchased out of fear.

Specialty good usually have specific characteristics and benefit. Therefore, the consumer has a reason for purchasing it.

Shopping good is one purchased after the consumer had compared prices, quality, etc in more than one store.

Convenience staple good is the good which is consumed regularly.

Convenience impulse good is one which entices the consumer and he makes purchase without researching or thinking.

Answer: Omar buys a snack pack of chips that he noticed while in line at the store - Convenience impulse good

Joaquin pays for renters' insurance so that he will get paid if his belongings are destroyed in accident or burglary - Unsought good

Jamie goes to the store to buy toothpaste - Convenience staple good

Wanda reads review of different video cameras to decide what brand she wants, and then chooses the store with the lowest price on that item - Shopping good

Adriana only buys doughnuts from her favorite local doughnut shop - Specialty good

Answer:   she should buy the cheaper house with interest because even with interest its still prob cheaper and you didnt give the interest amount

Explanation:

The revenue variance for May is ($1,240).

To calculate the revenue variance, we need to compare the actual revenue with the budgeted revenue.

Budgeted revenue = 6,300 units x $33.80 per unit = $213,540

Actual revenue = $212,300

Revenue variance = Actual revenue - Budgeted revenue = $212,300 - $213,540 = ($1,240)

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Answer:

Child Care Facilities

Large Family Child Care Homes

Public and non-public schools

Summer day and 24-hour camps

Vacation Bible School Programs.

Explanation:

A facility that is exempted from licensing is the one that is not licenses, but is still to maintaining certain requirements held under respective authorities. They need to meet certain requirements in order to operate effectively.

There are several programs that are exempted from licensing. From the given list, they are:

These programs are exempted from having a license but are under the obligation to meet certain requirements to run efficiently.

Answer: I hope this is helpful mark brainlist if right then no if wrong

Explanation:

Indigenous technology is used by the native inhabitants of a country or region and it constitutes an important part of its cultural heritage. Characteristically, indigenous technologies: Are recognized as animate, imbued with the breath of life and they live in form and function.Technologies employed by the native inhabitants of a country and which constitute an important part of its cultural heritage and should therefore be protected against exploitation by industrialized countries; the problem of indigenous knowledge has been discussed during the Rio Conference but it does not receive much ...Types of indigenous technology in India are; (i) Generic Drugs. (ii) Thorium based Nuclear Reactors. (iii) Plastic RoadsIndigenous Technology is created within a sensory environment that builds on our sense of relationship, meaning, balance, feeling, memory and place as well as sight, sound, smell, taste and touchIndigenization is the process by which Indigenous ways of knowing, being, doing and relating are incorporated into educational, organizational, cultural and social structures of the institution.One example of Indigenous Technologies in action today can be witnessed in differential approaches to medicine. Medical technologies in the Western Scientific sense of the term might conjure images of biomedical research labs, electromagnetic monitors or imaging systems such as CT or MRI scans.Indigenous technology is used by the native inhabitants of a country or region and it constitutes an important part of its cultural heritage. Characteristically, indigenous technologies: Are recognized as animate, imbued with the breath of life and they live in form and function.

The two parameters that define the managerial superstructure are management and leadership.

Management is focused on setting and achieving goals, while leadership focuses on inspiring, motivating, and guiding the workforce. Management involves the planning, organizing, leading, and controlling of resources, while leadership involves influencing, motivating, and guiding a team.

Management creates structure and stability, while leadership provides direction and encourages creativity. Management is goal-oriented, while leadership is people-oriented.

With both management and leadership, organizations are able to effectively run their operations.

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The correct option "Interviews", is the selection tools does the company make heavy use to get the job at the Container Store.

Relative to 57% of employees at the a typical U.S.-based company, 84% of The Container Store employees believe it is a wonderful place to work.

Benefits just At Container Store

Thus, Only 3% of those who apply get jobs at the Container Store. For this the selection used is interview.

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Approximately, 25% of the US population performs no leisure-time physical activity. marketing geared toward this group is a very easy task. ---   False

Leisure time physical activity refers to the set of behaviors related to physical activity that people engage in during their leisure time. Hence, there is a difference between it and physical activity performed in the context of paid employment or in the context of everyday life. Examples of recreational activities are walking, swimming, meditation, reading, games, and dancing. Leisure refers to the free time that people can take away from their daily responsibilities (e.g. work and household chores) to rest, relax and enjoy life.

Leisure time physical activity (LPTA) is another factor associated with common mental and physical illnesses, and has been shown to have a protective effect against coronary heart disease.

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Answer:

i.Non essential goods

ii.More substitute

Answer:

18,000 is invested at 8%.

12,000 is invested at 6%.

20,000 is invested at 9%.

Explanation:

x = amount invested at 8%.

y = amount invested at 6%.

z = amount invested at 9%.

x + y + z = 50,000

.08x + .06y + .09z = 3960

interest on the first investment is equal to 2 times interest on the second investment.

.08x = 2 * .06y

solve for x to get x = .12y/.08 = 1.5y

since .08x = .12y, you can replace .08x with .12y.

since x = 1.5y, you can replace x with 1.5y

your two equations of x + y + z = 50,000 and .08x + .06y + .09z = 3960 become:

1.5y + y + z = 50,000

.12y + .06y + .09z = 3960

combine like terms in both equations to get: 2.5y + z = 50,000

.18y + .09z = 3960

you now have 2 equations with 2 unknown variables which can be solved simultaneously for a unique solution.

we will eliminate the z variable from the 2 equations in the following manner.

multiply both sides of the first eqution by 9 and multiply both sides of the second equation by 100.

you will get:

2.5y + z = 50,000 becomes 22.5y + 9z = 450,000.

.18y + .09z = 3960 becomes 18y + 9z = 396,000.

the 2 equations are now:

22.5y + 9z = 450,000

18y + 9z = 396,000

subtract the second equation from the first to get:

4.5y = 54,000

divide both sides of this equation by 4.5 to get:

y = 12,000

since x = 1.5y, then x must be equal to 18,000

since x + y + z = 50,000, then z must be equal to 20,000

you have:

x = 18,000

y = 12,000

z = 20,000

the interest on each of these investments is:

.08 * 18,000 = 1,440

.06 * 12,000 = 720

.09 * 20,000 = 1,800

add up the investments and you get 50,000

add up the interest and you get 3,960

the interest on the first investment is 2 times the interest on the second investment because 1,440 = 2 * 720.

all results are confirmed as good.

your solution is:

18,000 is invested at 8%.

12,000 is invested at 6%.

20,000 is invested at 9%.

Answer:

to know what the other people are interested in, for example they do a survey to see how much of each product they need and the popularity of how many people like the stuff, those are 2 reasons, quantity and I would say popularity 3: get the people to know that enreprenuer cares 4 and five just think about it, I cant really think of anymore

Explanation:

Answer: Whether you are thinking of venturing into a new market or launching a new product, conducting a marketing assessment is the crucial first step in determining if there is a need or a potential customer base for your product. Why is market research important for new business ideas? Market research should never be underestimated. Many successful new businesses enjoy longevity because their owners conduct regular market research to understand their target market, identify consumer problems and pinpoint realistic competitors. Determine key market factors: Cost, Consumer Demographics, Challenges, Opportunities. ... These factors will help you determine how you will need to market to consumers, face your competition, and develop your overall business plan.

Hope this helps....... Stay safe and have a Merry Christmas!!!!!!!! :D

Explanation:

Answer:

A. Dr Cash Account $10,800,000

Cr To Bonds Payable $10,000,000

Cr To Premium Payable $800,000

B.Dr Bonds Payable account $3,000,000

Dr Premium on bonds payable Debited $2,700,000

Cr To Common Stock $7,500

Cr Additional paid in capital $5,692,500

Explanation:

(a) Preparation of the journal entry to record the original issuance of the convertible debentures

Dr Cash Account $10,800,000

Cr To Bonds Payable $10,000,000

Cr To Premium Payable $800,000

($10,000,000*8/100=$800,000)

(Being issue of share on convertible debenture)

b.Preparation of the journal entry to record the exercise of the conversion option, using the book value method

Dr Bonds Payable account $3,000,000

Dr Premium on bonds payable Debited $2,700,000

Cr To Common Stock $7,500

Cr Additional paid in capital$5,692,500

($3,000,000+$2,700,000-$7,500)

(Being maintain the record of outstanding conversation of debenture)

Calculation for for BONDS CONVERTED

First step is to calculate the amortization for 2013

Amortization for 2013=$10,000,000/20

Amortization for 2013=$500,000

Second step is to calculate the amortization for 2014

Amortization for 2014=$10,000,000/20

Amortization for 2014=$500,000

Third step is to Calculate the premium on bonds payable

Premium on bonds payable=$10,000,000−($500,000+$500,000)

Premium on bonds payable=$9,000,000

Now let calculate the bonds converted

Bonds converted=$9,000,000×30/100

Bonds converted=$2,700,000

Calculation for COMMON STOCK

First step is to calculate the number of bonds

Number of bonds=$10,000,000/1000

Number of bonds=10,000

Second step is to calculate Price for the bond

Price for the bond=10,000×5

Price for the bond=50,000

Third step is to Calculate for Stock Split

Stock Split=50,000/2

Stock Split=25,000

Now let calculate the common stock

Common stock=25,000×30/100

Common stock=7,500

Calculation for BONDS PAYABLE

Bonds Payable=10,000,000×30/100

Bonds Payable=3,000,000

Answer:

my own answer is 7500x30=225000

Answer:

U.S Navy.

Explanation:

The U.S Navy are our sea defenders. They use advance systems in their F/A-18 Super Hornets. These include FBW ( Fly By Wire) and HOTAS (  Hands on Throttle and Stick). They also have the E/A-18 Growler. This replaced the E/A-6 Prowler. The E/A-6 is the electronic warfare version of the A-6 Intruder (now retired). You also have the E-2C Hawkeye. The Grey Hound the the transport version. These are used today. But you have the ships. The new USS John F. Kennedy (CVN 79), it went active of December 2019. These are some of the biggest carries. The old Enterprise was the largest in the world. We last used battle ships in 1991 during Operation Desert Storm. They all have been removed from service after 1991. But we have the best cruiser you can buy. The USS Zumwalt! Lets face, you see it, and you are an enemy, don`t bother shooting guided missiles at it, it has chaf, and rockets to intercept these. Just kiss your but good bye cause you are dead. The  Ticonderoga class of guided-missile cruisers are armed with well, guided missiles that can hit targets deep inland. These are more effective than the 21 mile range of the battle ships. The functions for all of the U.S Navy`s equipment, is to destroy the enemy while keeping the sailors, and the crew on the ships, not to mention the pilots safe while serving our nation. This is just a few of their technology since some is classified and it would take hours or maybe days to read.

Answer:

B is the smartest option

The correct option is B. If you know you are at risk of becoming unemployed, you should get additional education to learn new skills.

When done properly, skill development can lower unemployment and underemployment, boost productivity, and raise living standards. It makes economic sense to assist people in expanding and updating their skill sets.

Enhances communication, time management, and negotiation abilities, as well as the ability to expand one's professional network. Talent Development: Skills are something that can be learned. People can find, develop, and nurture their intrinsic talent in the preferred sector with the aid of skill training.

Fundamentally, skills development helps people to pick up new talents in order to find employment and possibly launch a lifetime career. Youth are especially vulnerable to unemployment in our country, which affects 29% of the population; 55.2% of those between the ages of 15 and 24 are jobless.

The best choice is B. If you are aware that you could lose your job, you should continue your education to pick up new skills.

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Answer:

A. a bar graph is the answer

Answer:

I don't know the exact answer but I guess it will be option (B) process materials

Answer:

rental

Explanation:

Business EDG 2021

A salary is an example of labor income. Thus, option A is correct.

An income can be defined as the amount which is earned by a person. It can be with respect to any job that he or she has done. It can also be from an investment. It is the amount that is taxable and is being paid to the government

Salary can be defined as the amount an employee or a person who renders a service gets paid. It is for the person who has some expertise in a particular role, and for that, they get a salary.

A salary is an example of labor income. It is because most salaries are based on the services provided. A labor income is also one who renders their service. As a result, salary will be a separate column which will be present.

Therefore, option A is the correct option.

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Answer:  Do they make less than $4,300 in 2020 or 2021? Your relative cannot have a gross income of more than $4,300 in 2020 or 2021 and be claimed by you as a dependent.

Explanation:

The value actually earned by members of households who supply the inputs necessary to produce GDP is called d) disposable income.

Disposable income, often known as disposable personal income (DPI), is the amount of money available to an individual or household after income taxes are removed.

Disposable personal income is extensively watched at the macro level as one of the primary economic indicators used to assess the overall status of the economy. The net income obtained after taxes is referred to as disposable income.

Disposable income is the source of a number of statistical measurements and economic indicators. Economists, for example, utilise disposable income to construct metrics such as discretionary income, personal savings rates, marginal propensity to consume (MPC), and marginal propensity to save (MPS). (MPS).

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Correct question:

the value actually earned by members of households who supply the inputs necessary to produce gdp is called

a) net investment.

b) national income.

c) personal income.

d) disposable income.

It is true that the trade-off theory optimal capital structure is achieved when marginal tax savings equals the marginally increased bankruptcy costs from the additional unit of debt.

What is trade-off theory?

The trade-off theory of optimal capital structure suggests that there is an optimal level of debt for a company, where the marginal tax savings from the additional debt equals the marginally increased bankruptcy costs. This means that companies must balance the benefits of using debt, such as tax deductions, with the costs, such as the risk of bankruptcy. Ultimately, the optimal capital structure is the one that maximizes the company's value.

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Answer:

C

Explanation:

I’m not sure tho

Answer:

RFID tags are a type of tracking system that uses radio frequency to search, identify, track, and communicate with items and people. Essentially, RFID tags are smart labels that can store a range of information from serial numbers, to a short description, and even pages of data.

Answer:

Business:

A person's regular occupation, profession, or trade.

Occupation:

A job or profession.

Explanation:

I looked them up in a dictionary.

Please mark me brainliest! I need it! Please!

The false statement is: d. A frequently used planning analytical procedure is regression analysis.

Regression analysis is typically not used as a planning analytical procedure. It is commonly employed as a substantive analytical procedure during the substantive testing phase of the audit, where it is used to assess the reasonableness of relationships and identify potential misstatements.

However, for planning analytical procedures, auditors usually rely on other techniques such as trend analysis, ratio analysis, or industry comparisons to identify accounts with heightened risk of misstatement. These procedures help auditors gain an understanding of the client's business and identify areas that require further attention during the audit.

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The Payor Benefit rider is a feature that provides coverage for the premium payer (in this case, the father) in the event of their disability.

When the father becomes disabled, this rider will ensure that the life insurance premiums on the daughter's policy are waived or paid by the insurance company during the period of the father's disability.

To summarize, if the father becomes disabled, the life insurance premiums for his daughter's policy will be taken care of by the insurance company, thanks to the optional Payor Benefit rider included in the policy.

This ensures that the daughter's life insurance coverage continues without interruption.

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True. The steady-state capital stock is an increasing function of the initial capital stock. This means that as the initial capital stock of the economy increases, the steady-state capital stock also increases.

When the initial capital stock of an economy is positive, it means that there is a baseline level of capital already present in the economy. In this scenario, the steady-state capital stock, which represents the long-term equilibrium level of capital, will be an increasing function of the initial capital stock.

The reason for this is that with a positive initial capital stock, there is already a foundation for further investment and capital accumulation. As the economy continues to invest and generate additional capital, the steady-state capital stock will progressively increase. This is because the initial capital provides a starting point for growth, and as more capital is accumulated over time, the economy can sustain a higher level of capital in the long run.

Therefore, the statement that the steady-state capital stock is an increasing function of the initial capital stock holds true in this context.

The question should be:-

suppose that the initial capital stock of the economy is positive. the steady-state capital stock is an increasing function of the initial capital stock

True or false

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The correct answer is D. Enables the investor to exercise significant influence over the investee.

The equity method of accounting is used when the investor has the ability to exercise significant influence over the investee. Significant influence is generally presumed to exist when the investor owns between 20% and 50% of the voting stock of the investee. Under the equity method, the investor recognizes its share of the investee's profits or losses in its own financial statements. This method is appropriate when the investor has the ability to participate in the financial and operating policy decisions of the investee, but not necessarily full control or majority ownership. Option A (voting control) and option C (voting on corporate matters) describe situations that involve control or decision-making power, which would typically be associated with consolidation accounting rather than the equity method.Option B (ensuring a source of supply) does not pertain to the equity method of accounting, as it focuses on the supply chain rather than the investor's influence or ownership in the investee.Therefore, option D is the correct answer as it accurately describes the condition for using the equity method.

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If the price of honey increases, the demand for honey will decrease and consumers will likely switch to buying jam instead. Therefore, the correct answer is B.) honey will decrease.

If honey and jam are substitute products, then they can be used interchangeably to satisfy the same need. When the price of honey increases, consumers may switch to buying jam instead, as it is now relatively cheaper than honey. Therefore, the demand for honey is likely to decrease as consumers substitute it with jam. This means that answer B is the correct option.

The demand for jam may increase as some consumers switch to buying it instead of honey, leading to an increase in its price as well. However, it is not guaranteed that the demand for jam will increase, as some consumers may choose to switch to other substitute products or reduce their overall consumption of sweet spreads. Answer C is therefore not necessarily correct, and answer D is incorrect as it suggests that the demand for jam will decrease, which is not necessarily the case.

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