Under Chapter 7, the court will not grant the debtor a discharge if:
a. The debtor is not an individual.
b. The debtor has destroyed, concealed, or failed to keep records.
c. The debtor failed to complete the required consumer education course.
d. b and c above.
Answers
if the debtor destroys, conceals, or fails to keep records that are required to be included in these documents, or if the debtor fails to complete the required consumer education course, the court will not grant the debtor a discharge.
Under Chapter 7 of the Bankruptcy Code, debtors are often granted a discharge. A discharge is a court order that relieves the debtor of any further legal obligation to pay debts that are included in the bankruptcy petition. However, the court will not grant the debtor a discharge if certain conditions are met, and this includes (d) b and c above.Below are explanations of these conditions;b) The debtor has destroyed, concealed, or failed to keep records: One of the primary requirements of a Chapter 7 filing is that the debtor must provide a full and accurate accounting of his or her financial affairs. The debtor must file various forms, schedules, and statements, and the information contained in these documents must be complete and accurate. If the debtor destroys, conceals, or fails to keep records that are required to be included in these documents, the court may deny the debtor's discharge.c) The debtor failed to complete the required consumer education course: Under the Bankruptcy Code, debtors are required to complete a course in personal financial management before they can receive a discharge. If the debtor fails to complete this course, the court may deny the debtor's discharge.
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Related Questions
Assume a number of canon corporation's board of directors also serves on the boards of other camera manufacturers, such as nikon and fuji. this pattern would illustrate the operation of:_________
Answers
A number of canon corporation's board of directors also serve on the boards of other camera manufacturers, such as Nikon and Fuji. This pattern would illustrate the operation of an interlocking directorate.
Interlocking directorate refers back to the exercise of individuals of a company board of directors serving on the boards of multiple companies. someone that sits on a couple of boards is known as more than one director.
An interlocking directorate happens while the identical person sits on the board of directors of or greater agencies. there is a threat that an interlock among competing companies (direct interlocks) may be used to coordinate behavior and reduce inter-company rivalry.
Interlocking Directorate is when the linkage between organizations end results when a character serves on the board of directors of organizations, OR whilst two companies have a director at the board of a 3rd corporation.
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I NEED THIS FAST PLEASE
Due today!
Which of the following scenarios best reflects a list price?
A. Earrings that are buy one get one free
B. A bike that is half off because of a holiday promotion
C. Socks that have a suggested retail value of $39.99
D. A dress that is 25% off
Answers
Answer:
C. Socks that have a suggested retail value of $39.99
The following scenarios best reflect a list price of Socks that have a suggested retail value of $39.99. Thus the correct option is C.
What is the list price?The specified price at which some is advertised for sale through a specific channel, such as a factory, a retail store, a catalog, or a retail, wholesale, or distributor website is The list price.
The difference between the listing price and the sale price of a property is known as the "listing price," also referred to as the "asking price."The highest price at which a thing may be sold is its list price.
The cost at which a seller decides to put their house on the market is known as the list price. You can specify a particular range of costs and make them exclusive to a certain clientele using a pricing list.
Therefore, option C is appropriate.
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Payroll deductions are the same for all employees.
Answers
Answer:
no it depends the age and how good u are at your job.
Explanation:
M Steak, an online specialty retailer that serves the southern California region market with its gourmet black-haired wagyu steak from its website. The steak is priced at more than $300 per pound. As a result, M Steak caters to only gourmet food enthusiasts (foodies) who purchase regularly for their own consumption, and other customers (non-foodies) who purchase less frequently as holiday gifts. M steak is contemplating the purchase of a customer list from a list broker for $10 per name. The company will send each person on the list a full-color catalog, which costs the company $10 to produce and $1 to mail every month for a year. Generally, such a customer list results in a response rate of approximately 15% for foodies; that is, 15% of the customers who receive an unsolicited catalog in this manner will make a purchase. On the other hand, the response rate for non-foodies is at 25%. After a year, those who do not purchase the product will be removed from the mailing list while the remaining customers continue to receive catalogs every month. Their foodie customers will make on average four purchases per year with an average order size of $200. Foodies usually have an annual retention rate (the percentage of customers who will continue to make purchase the next year) of 85%. The non-foodies will only make two gift purchase per year with an average order size of $250. The retention rate for non-foodies is only 65%. M Steak ships its product in a sealed containers filled with dry ice to preserve the meat freshness. It is able to make 50% margin from its foodie customers and 60% from its non-foodie customers. M Steak assumes a 9% discount rate for its time value of the money. Please answer the following four questions using an Excel spreadsheet (i. Clearly write down your answer to each of the following four questions in your spreadsheet; ii. Show your work with necessary steps for the analysis.): 1. How much is the acquisition cost for each type of customers? (5 points) 2. How long will it take M Steak to break even considering all their customers? (6 points) 3. M Steak considers that the customer lifetime has ended when the NPV of the annual net profit dips below $50. How much is the customer lifetime value for each type of customers? (6 points) 4. M Steak believes that the customer lifetime is 6 years for foodies and 3 years for non-foodies. If that is the case, should M Steak purchase the customer list from the list broker, and why? (8 points)
Answers
To answer the questions, we'll perform various calculations using the provided data. I'll break down each question and guide you on how to approach it in an Excel spreadsheet.
Acquisition Cost for Each Type of Customer:
Foodie Customers:
Cost per name: $10
Response rate: 15%
Acquisition cost = Cost per name / Response rate
Non-Foodie Customers:
Cost per name: $10
Response rate: 25%
Acquisition cost = Cost per name / Response rate
Break-Even Time:
Calculate the net profit generated from each customer type and the associated costs.
Determine the cumulative net profit each month and find the month when it becomes positive (break-even point).
Customer Lifetime Value:
Calculate the net profit generated from each customer type over the customer lifetime.
Determine the present value (PV) of the net profit using the discount rate of 9%.
Customer Lifetime Value = PV of Net Profit
Decision on Purchasing the Customer List:
Compare the Customer Lifetime Value with the cost of acquiring the customer list. If the Customer Lifetime Value exceeds the acquisition cost, it is favorable to purchase the list.
Please note that due to the complexity and calculations involved, it would be more convenient to perform these calculations directly in a spreadsheet software like Excel.
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What effects did zaha have on guggenheim new york?
Answers
The effects that Zaha had on Guggenheim New York is that her current retrospective at the Solomon R. Guggenheim Museum in New York gives ample evidence of her genius. She has been busy and produced a staggeringly impressive body of work that is without equal for its inventiveness. This saved urban space and merges the elements of its surroundings. It also projects a brand new artificial landscape outweighted by funnel-shaped cones. The Solomon R. Guggenheim Museum, often referred to as The Guggenheim, is an art museum at 1071 Fifth Avenue on the corner of East 89th Street on the Upper East Side of Manhattan in New York City.
Who is Zaha Hadid?Dame Zaha Mohammad Hadid DBE RA was a British-Iraqi architect, artist and designer, recognised as a major figure in architecture of the late 20th and early 21st centuries.
Therefore, the correct answer is as given above
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Jordan loves creating short films using his phone camera and small posable figures. He has learned how to edit the videos so that it looks as if the figures are alive and moving! What possible career paths might Jordan want to consider for his future? Explain.
Answers
Answer:
You tube , computer enjneer
Explanation:
Answer:
"A possible career path that Jordan would consider taking for his future are videography, music/video editor, or even an influencer of some sort! Becoming a videographer could widen his knowledge about the electronics he enjoys working with. He could possibly turn something that he's passionate about into something small like short films on a phone all the way to a Hollywood movie." all credit goes to foochy, the original creator of this paragraph. foochy is a brainly user.
20. Should the Bank include the carbon emissions from the manufacture of the office equipment (computers, printers, etc) and cell phones that it purchases? Is there a risk of double counting? Should they be amortized over the equipment’s life?
21. How are the emissions from the operational costs of office equipment reflected in the carbon footprint? Are some emissions likely to be overlooked or omitted?
22. What are the carbon emissions (or CO2 equivalents) associated with the purchase of office equipment? Which conversion factor did you use? Explain your choice.
23. What are the carbon emissions (or CO2 equivalents) associated with the purchase of cell phones?
Answers
The Bank should include the carbon emissions from the manufacture of the office equipment (computers, printers, etc) and cell phones that it purchases. The emissions from the operational costs of office equipment are reflected in the carbon footprint through electricity use and transportation emissions
20. The Bank should include the carbon emissions from the manufacture of the office equipment (computers, printers, etc) and cell phones that it purchases. There is a risk of double counting but it can be avoided by only accounting for the carbon emissions from the manufacture of the equipment and not the entire lifecycle. The emissions can be amortized over the equipment’s life.
21. The emissions from the operational costs of office equipment are reflected in the carbon footprint through electricity use and transportation emissions. There is a risk of overlooking or omitting some emissions such as those from data centers and other electronic systems.
22. The carbon emissions associated with the purchase of office equipment vary depending on the equipment and the location of the manufacturer. To calculate the emissions, the following steps can be taken: Calculate the weight of the equipment and the distance it will travel to reach the Bank. Convert the weight and distance to energy use. Calculate the carbon emissions associated with the energy use. Conversion factors will depend on the source of the energy. For example, if the equipment is made in China and transported by ship to the Bank in the US, the emissions would be calculated as follows: Weight of equipment: 1000 kg Distance traveled: 8000 km Energy use:
10 kWh/kg km Carbon emissions: 0.42 kg CO2e/kWh (based on the US grid)
Energy use = 1000 kg x 8000 km x 10 kWh/kg km = 80,000,000 Wh
Carbon emissions = 80,000,000 Wh x 0.42 kg CO2e/kWh = 33,600,000 kg CO2e
23. The carbon emissions associated with the purchase of cell phones also vary depending on the phone and the location of the manufacture . To calculate the emissions, the same steps can be taken as for office equipment. Conversion factors will also depend on the source of the energy. For example, if the phone is made in China and transported by air to the Bank in the US, the emissions would be calculated as follows: Weight of phone: 0.2 kg Distance traveled: 11,000 km Energy use: 1 kWh/kg km Carbon emissions: 0.42 kg CO2e/kWh (based on the US grid) Calculation: Energy use = 0.2 kg x 11,000 km x 1 kWh/kg km = 2200 Wh Carbon emissions = 2200 Wh x 0.42 kg CO2e/kWh = 924 kg CO2e
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(03.02 LC)
Which of these might decrease the length of a mortgage loan?
Property taxes
O Insurance
O Amount owed
Collateral
Answers
Answer:
D.) Collateral
Explanation:
Tbh I'm not confident on this choice, but real estate basically is just a fancy term for property, for those who don't know. A collateral is a piece of property that can be sold by the lender to recover all or part of a loan if the borrower fails to repay. So with that being said, the only logical choice in my opinion would be D, or Collateral.
Collateral might decrease the length of a mortgage loan. As it minimises the risk for the mortgage loan.
What is mortgage loan?Mortgage loan is the fund that is provided to the lender against the immovable assets or property, or collateral to the Borrower. The lender used to keep the assets until their loan is repaid by the person.
Thus, option C is correct.
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list the four factors of production
Answers
Answer:
Land, Labour,Capital and Entrepreneur
Explanation:
Land is a natural resource which can be used to create goods or service
Labour is the workdone by the peoplw in the workforce
Capital is the man-made goods that are used in the production of goods
Entrepreneurs are people who take risks in search of profit
Practicing smiling and shaking hands with friends and family can help to ease your nerves before an interview or first meeting with a new employer.
A. True
B. False
Answers
As ruth ann is researching careers, she decides she enjoys living in her hometown and doesn’t want to relocate. which factor might have a strong impact on her career decisions?a. the career’s location b. the career’s average salary c. the career’s outlook d. the career’s employee benefits
Answers
As Ruth Ann is researching careers, her decision to stay in her hometown and not relocate can have a strong impact on her career decisions. One of the most important factors that could impact her decision is the career's location. Option A is correct.
Certain careers might require employees to relocate or travel frequently, which could be a significant obstacle for someone who wants to stay in their hometown. For instance, if Ruth Ann wants to work as an airline pilot, she may have to relocate to a hub city or travel frequently to different destinations. This could be a deal-breaker for her if she is committed to staying in her hometown.
Other factors that could impact Ruth Ann's career decisions include the career's average salary, outlook, and employee benefits. While these factors are important, they may not be as critical as the career's location for someone who is committed to staying in their hometown. However, it's worth noting that certain careers may offer better salaries, job security, or benefits than others, so it's essential to consider all of these factors when making a career decision.
Overall, Ruth Ann's decision to stay in her hometown will significantly impact her career decisions. It's essential to consider all of the factors that could affect her career choices, including the career's location, salary, outlook, and benefits. By carefully weighing these factors and doing her research, Ruth Ann can make an informed decision that aligns with her career goals and personal values. Therefore option A is correct.
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When a firm sells all its products under one ______, such as Pepperidge Farm, the individual brands benefit from the overall brand awareness associated with it.
Answers
When a company sells all its products under one family brand such as Pepperidge Farm, then, the individual brands benefit from the overall brand awareness associated with it.
What is a Family branding?In marketing, this refers to a strategy that promotes the family of products and services by focusing on promoting the parent brand name. It is also called an Umbrella branding as its implies that the parent brand name is the umbrella under which all branding initiatives are carried.
The strategy is primarily different from other traditional marketing and branding exercises that promote one product at a time but the method is mostly used by brands that have positive brand equity that they can leverage to uplift the other brands as well.
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prompt in this first journal assignment, you will think about your work as the scrum master and how you might lead your team for the snhu travel project. in your journal, be sure to address the following questions: how would you plan to execute the various scrum events, such as the sprint planning, daily scrums, backlog refinement, sprint review, and sprint retrospective? why do you think these events are so important? what would you want the team to gain from them? how would you ensure the events achieve those goals?
Answers
The main responsibility of the Scrum Master is to organize the development team and follow the agreed project priorities. In other words, the Scrum Master exists to keep the team on track.
What is Scrum Master?A Scrum Master helps improve and streamline the processes the team uses to achieve its goals. Do this as a team member or as a colleague. Ideally not as an administrator. The best Scrum teams are self-organized and do not respond well to top-down management.Being a Scrum Master is not an easy job, in fact the role is very rewarding. The Scrum Master's primary responsibility is to lead and protect the Scrum team, but protecting yourself from management and stakeholders can be difficult. A degree is not required, but many employers prefer candidates with a bachelor's degree in a related field such as IT. Information Technology. A Scrum Master should have extensive hands-on experience in Agile, as well as excellent teamwork and communication skills.To learn more about Scrum Master from the given link :
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What are the similarities and differences in the purchasing
functions at a for profit versus a not for profit organization?
Answers
Explanation:
I hope this answer is helpful ):
Help me and I will give you 30 Brainliest if your answer is correct.
"Jamie is not sure exactly what career to pursue but when she learned about the Human Services cluster, something spoke to her. Which types of career pathways are available to Jamie? Pick a career from each path and explain what it involves and where she might work if she had that job."
Answers
One of the careers from the Human Services Cluster that Jamie can consider looking at is Career Counselling.
What are Human Services Clusters?Human needs are met via activities such as counseling and mental health programs, family and neighborhood services, personal care, and consumer services in the Human Services profession cluster.
Given that Jamie herself struggled with making this choice, she should find a purpose in Career Counselling. The career pathway to becoming a career counselor is given as follows:
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Job #4260 consisted of 1,000 units at a total cost of $200,000. The cost transferred to cost of goods sold for the sale of 600 of the units is ______.
Answers
Explanation:
job #4260 consisted of 1,000 units at a total cost of $200,000. The cost transferred to cost of goods sold for the sale of 600 of the units is:
total cost / units x sale of units
200,000 / 1,000 x 600
= 120,000
The cost transferred to cost of goods sold for the sale of 600 of the units is 120,000. Frequently, market analysts use models with two sources of info: actual capital, with amount K and work, with amount L.
What is Total cost?In financial matters, total cost (TC) is the base dollar cost of creating some amount of result.
This is the total monetary cost of creation and is comprised of variable cost, which changes as indicated by the amount of a decent delivered and incorporates information sources like work and natural substances.
Work #4260 comprised of 1,000 units at a total cost of $200,000. The cost moved to cost of products sold for the offer of 600 of the units is
Total cost / units x sale of units
200,000 / 1,000 x 600
= 120,000
The negligible cost can likewise be determined by tracking down the subordinate of total cost or variable cost. Both of these subsidiaries work in light of the fact that the total cost incorporates variable cost and fixed cost, yet fixed cost is a consistent with a subsidiary of 0.
The total cost of delivering a particular degree of result is the cost of the multitude of variables of creation. Total cost in financial matters incorporates the total open door cost (benefits got from the following best other option) of each element of creation as a feature of its fixed or variable costs.
Therefore The extra total cost of one extra unit of creation is called minor cost.
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make a budget of 2000 dollars for a grade six pupil
Answers
Answer:
Spend half save half
Explanation:
An electronics company is trying to decide how many nee computers it should produce for export to china. Which factor would most likely cause the company to produce a large number of computers?
Answers
Answer: A. Chinese consumers believe that computer prices will rise in the future.
Explanation:
If Chinese consumers believe that the price of computers will rise in future, they will demand more computers in the present so as to save on the costs of acquiring a computer in future.
This increased demand will mean that the company will have to produce more computers to satisfy the demand of their customers in China.
A public franchise gives the exclusive right to produce a product for 20 years from the date the product is invented. True or False.
Answers
The given statement, "A public franchise gives the exclusive right to produce a product for 20 years from the date the product is invented" is false because the time period depends upon the agreement and can range anywhere from 5-20 years.
Public franchise is a business restricted by the government or the concerned authority to be the sole distributor of the concerned product or service. The owner of the franchise licenses its operations.
Agreement is a contract or simply a promise between two individuals or parties related to some business or property. The agreement is in accordance with the will of the both the parties.
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The MKT company's fixed costs for the year are estimated at $7,222. Its product sells for $385. The variable cost per unit is $57. Sales for the coming year are expected to reach $28,413. What is the expected profit in dollars? Round up to the second decimal point. Do NOT enter dollar or percent signs.
Answers
The expected profit is -$1,598,650.
To calculate the expected profit, we need to subtract the total costs from the total sales.
First, let's calculate the total variable costs by multiplying the variable cost per unit ($57) by the expected sales ($28,413). This gives us:
Total variable costs = $57 * $28,413 = $1,619,841
Next, we can calculate the total costs by adding the fixed costs ($7,222) to the total variable costs:
Total costs = $7,222 + $1,619,841 = $1,627,063
Finally, we can calculate the expected profit by subtracting the total costs from the total sales:
Expected profit = Total sales - Total costs = $28,413 - $1,627,063 = -$1,598,650
The expected profit is -$1,598,650.
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How can choosing the right institution help you manage money effectively?
Answers
Answer:
You may get a better job, or it may make you more responsible. The money is the main thing, you will get paid better, so you wont have to worry abt money i guess.
Explanation:
Which of the following helps an AVID student with the organization?
A. The student agenda
B. The “Big Binder”
C. both a and b
D. none of the above
Answers
Answer:
C. both a and b
Explanation:
The AVID binder is an organizational tool to help students maintain notes and school work in one place.
Answer:
C. both a and b
no
money so I had to refuse her.
16. I'd like to have helped my friend, but I had very
a few
b. little
c. many
d. much
e. Some
Answers
Select the correct answer from each drop-down menu.
Fill in the correct terms to complete the description of Mischa going through the home-buying process Mischa wants to buy a home.
She has looked at the housing market. Now she needs to find a ______ to become _______ for a mortgage. By doing so, Mischa will know how much she has to spend on a house.
A.real estate agent
B.lender
C.closeing company
D.title company
a.eligible
b.wait listed
c.credit checked
d.prequalified
Answers
Answer:
C
Explanation:
C
Which of the following communications must be reviewed and approved by a principal before it can be used? A) An internal memo to be sent to registered representatives describing a new sales technique B) Promotional material to be sent only to mutual funds and insurance companies C) A letter to be sent to all customers reminding them of a change in the tax laws D) A letter to be sent this week to 30 existing customers recommending a new service being offered by the firm
Answers
Answer: I'm thinking C, but I cant find any evidence to help support it all to much. I looked up the answers and everything and no one knows, i'm sorry if I wasn't of any help
Good luck
The communications that must be reviewed and approved by a principal before they can be used are an internal memo to be sent to registered representatives describing a new sales technique, a letter to be sent to all customers and a letter to be sent this week to 30 existing customers recommending a new service. The correct options are a, c, and d.
An internal memo to be sent to registered representatives: Since this letter involves instructing staff members on sales practices, it should be examined and authorized by a principal. All clients are to get a letter informing them of an alteration to the tax laws: A principal should evaluate and approve this letter to make sure that it contains accurate, understandable information that complies with applicable tax regulations.
30 current clients will receive a letter this week proposing a new service the business is offering. A principal should also examine and approve this communication. Even though it is directed towards a certain consumer segment, it is still crucial for a principal to check it to make sure the information is correct, pertinent, and compliant with the company's marketing and advertising standards.
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Acme Sales calls its customers after they purchase an automobile from the dealership. In addition, every year customers are asked to complete a short survey about the car they purchased from Acme Sales and their customer-service experiences with the dealership. Acme Sales is an example of a(n) ___ system.
Answers
Answer:
open
Explanation:
Based on the description provided, it seems that Acme Sales is an example of an open system. This is a system that has external interactions which deals with information, energy, or material transfers into or out of the system boundary. In this scenario, Acme Sales is transferring information to and from the company by asking their customers questions over the phone which the clients are providing this information.
Which source is NOT a valid data source for a mail merge?
O database
O Outlook contacts
O Excel worksheet
O PDF document
Answers
Excel worksheet
From the different options listed below the one that is not a valid data source for mail merge is a database. Thus, the first option is the correct answer.
What is mail merge?Mail merge allows us to create a batch of personalized documents for each recipient. A form letter, for example, could be personalized to address each recipient by name. The document is linked to a data source, such as a list, spreadsheet, or database.
Mail merge employs all Microsoft Word and Microsoft Excel document types, including Outlook contacts, Excel worksheets, and even PDF documents.
Databases, on the other hand, are server-side programs that contain a variety of information but are not classified as a specific document type and thus are not eligible for mail merge.
Therefore, database is not a valid data source for a mail merge.
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Interest earned on a savings account is _____.
Answers
Explanation:
Interest earned on a savings account is everfi
Your conceptions of correct or incorrect behavior are called your
A. values
B. intents
C. actions
Datudes
Answers
Answer:
values
Explanation:
am not sure of the answer cause none of the options seem to answer the question given
Answer:
values
Explanation:
something that's important to you
negligence may result from either an intentional or unintentional act.
Answers
It is a true statement that negligence may result from either an intentional or unintentional act.
When does negligence occur and its meaning?Negligence is a legal concept that refers to the failure to exercise reasonable care or caution, resulting in harm or injury to another person or property. While negligence is often associated with unintentional acts or omissions, such as failing to take reasonable precautions or make reasonable decisions, it can also result from intentional acts.
For example, if someone deliberately disregards a duty of care they owe to others and causes harm, it can still be considered negligence. An example of intentional negligence could be deliberately damaging someone's property or intentionally causing harm to another person. In legal proceedings, the distinction between intentional and unintentional negligence may be important in determining liability, but both types of acts can result in legal consequences and potential liability for the responsible party.
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