The Graduate Payment Mortgage (GPM) is intended to address the negative amortization problem. (Option B)
Negative amortization occurs when the monthly payments on a mortgage are not sufficient to cover the interest charged, resulting in the unpaid interest being added to the outstanding balance of the loan. This leads to an increasing loan balance over time, which can become burdensome for borrowers.
The GPM is designed to mitigate this issue by offering lower initial monthly payments compared to a traditional fixed-rate mortgage. These lower payments are gradually increased over a specified period, allowing borrowers to start with more manageable payments and gradually transition to higher payments that cover both interest and principal.
Therefore, the correct answer is B. The Graduate Payment Mortgage is intended to address the negative amortization problem.
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The _____ is an agency that prevents the use of unfair methods of competition in commerce.
a. Federal Communications Commission
b. Federal Trade Commission
c. Commission for Fair Trade
d. Commerce Department
e. Sherman Antitrust Agency
The Federal Trade Commission (FTC) is an agency that prevents the use of unfair methods of competition in commerce. The correct option is B.
The FTC is a federal agency established in 1914 that aims to promote consumer protection and prevent anti-competitive business practices. Its responsibilities include enforcing federal antitrust and consumer protection laws, as well as educating consumers and businesses about their rights and responsibilities. The FTC investigates and takes action against businesses engaged in practices such as false advertising, price fixing, and monopolistic behavior that harms competition and consumers.
It also monitors mergers and acquisitions to ensure they do not harm competition. The FTC has the power to seek injunctions, impose fines, and order redress for consumers affected by illegal business practices.
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Naomi is an entrepreneur of skin care products specializing in face mask. She just started the business and plans to sell only withing her city. If you are Naomi, which pricing strategy do you think would best fit for the product and what distribution channel would you choose?
The valued pricing strategy is the best pricing strategy and the Direct selling is the best distribution channel for the skin care products.
What is a pricing strategy?It refers to the method that is used to establish the best price for a product or service.
The valued pricing strategy will help her fix the best price that is proportionate to the value of the Skin care product while the direct selling will connect her directly to her client.
Therefore, the word "valued pricing strategy" and "direct selling" is correct.
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which of the following cannot be disclosed verbally to a customer by an agent of a broker-dealer? a information found in a prospectus for a new issue offering b material non-public information about a company's product plans c financial information found in the company's latest 10k filing d recommendations of securities included in the broker-dealer's monthly market letter
Option b: Material non-public information about a company's product plans cannot be disclosed verbally to a customer by an agent of a broker-dealer.
Material non-public information regarding a company's product plans cannot be verbally communicated to clients by broker representatives.
Nonpublic information generally refers to personal information about an individual that has not been made public and should not be made public.
This includes social security numbers, banking information, other personally identifiable financial information, and certain transactions with financial institutions.
Material non-public information may be disclosed at the Company's discretion as required by law.
When companies disclose material public information on a large scale, it becomes widely disseminated and available to all individuals, creating a level playing field for investors.
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Write 9.58 times 10^(2) in standard notation. pls help!
its math btw
Which of the following items should be included in pension expense calculated by an employer who sponsors a defined-benefit pension plan for its employees?
Amortization of
Fair value prior
of plan assets service cost
a. Yes Yes
b. Yes No
c. No Yes
d. No No
The correct answer is: a. Yes, Yes both the amortization of prior service cost and the fair value of plan assets should be included in the pension expense calculated by the employer.
Both items should be included in the pension expense calculated by an employer who sponsors a defined-benefit pension plan for its employees. Amortization of prior service cost: Prior service cost represents the cost associated with changes made to a defined-benefit pension plan that affects past service. This cost is amortized over the expected remaining service lives of the employees, and therefore, it should be included in the pension expense calculation.
Fair value of plan assets: The fair value of plan assets represents the current value of the assets held by the pension plan. This value is used to determine the return on plan assets, which is a component of the overall pension expense.
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What is the the effect on the foreign price with a combined domestic production subsidy and consumption tax applied by a small country on the same good at the same level?
Answer:
The effect these factor will have on Import is that it will lower Imports and decrease in imports = Increase in foreign prices
Explanation:
The effect on the foreign price when there is a combined domestic production subsidy and consumption tax applied on a good at the same level
i) when consumption tax is applied : The consumer price will increase by the amount of the tax and the demand for the good will decrease while the producer price will remain the same
ii) when production subsidy is applied : producer price will increase while the consumer price will remain unchanged
when they are both set at the same level ( i.e. consumption tax and production subsidy ) The producer price = consumer price
The effect these factors will have on Import is that it will lower Imports and decrease in imports = Increase in foreign prices
A problem with GDP per capita is: it is a rough measure of a country's standard of living relative to other countries it only calculates domestic production it doesn't take into effect the productivity of international markets it doesn't reflect differences in wealth within a country
GDP per capita is a measure of the average income or output per person in a country, obtained by dividing the total GDP of a country by its population.
In many countries, there can be significant disparities in income and wealth among different segments of the population. GDP per capita doesn't capture this inequality and can give a misleading picture of the overall standard of living. It is possible for a country to have a high GDP per capita but still have a significant portion of its population living in poverty or experiencing low standards of living.
To gain a more comprehensive understanding of a country's standard of living, it is important to consider other measures such as income inequality indices, poverty rates, access to education and healthcare, and overall human development indicators. These additional factors provide a more nuanced assessment of the well-being and quality of life experienced by individuals within a country.
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true or false question absorption costing net income may be computed by multiplying the number of units sold by the contribution margin per unit and subtracting total fixed expenses.
Answer:
True
Explanation:
To ascertain a certain margine unit
What happens to the total expenditures for a product with elastic demand when its price goes up?
Answer:
Elasticity is more than One (Ed > 1): When demand is elastic, a fall in the price of a commodity results in increase in total expenditure on it. On the other hand, when price increases, total expenditure decreases. It means, in case of highly elastic demand, price and total expenditure move in the opposite directions.
Explanation:
hope it helps yoou
If you are smart, spell it
Answer:
smart? lol but im not smart
Which of the following financial markets excludes the exchange rate risk for the US investors? Hong Kong Stock Market Canadian Stock Market London Stock Exchange Market NYSE
The NYSE is a great choice for US investors who are looking for a more stable and secure investment option.
The financial market that excludes the exchange rate risk for US investors is the NYSE or New York Stock Exchange. The NYSE is the world's largest stock exchange and is located on Wall Street in New York City. The NYSE was established in 1817, and it currently has over 2,400 listed companies. The NYSE is a physical exchange, meaning that traders and investors meet in person to buy and sell stocks.The exchange rate risk occurs when an investor puts their money in foreign markets. Any changes in the exchange rate between the two currencies may have a substantial effect on the investor's profits. Thus, US investors are better off investing in NYSE as the exchange rate risk is excluded. Moreover, the NYSE provides an excellent opportunity for US investors to diversify their investment portfolios. By investing in different companies listed on NYSE, investors can significantly reduce their investment risk and generate higher returns. Therefore, the NYSE is a great choice for US investors who are looking for a more stable and secure investment option.
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(T/F) an imposter’s indorsement on an instrument is never effective against its drawer or maker.
True.
An imposter is someone who presents themselves as another person, in order to deceive others and gain some benefit. In the context of negotiable instruments, such as checks, an imposter may fraudulently endorse the instrument in order to cash it or transfer it to someone else. However, the Uniform Commercial Code (UCC) provides that an imposter's indorsement on an instrument is generally not effective against its drawer or maker. This means that if someone fraudulently indorses a check or other negotiable instrument, the drawer or maker of the instrument may not be liable for any losses resulting from the fraud. There are some exceptions to this rule, such as when the drawer or maker is negligent in handling the instrument, or when they fail to take reasonable steps to prevent fraud. However, in general, an imposter's endorsement is not effective against the drawer or maker of a negotiable instrument.
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Rick has three credit cards he uses for gas, entertainment, and groceries. All card balances are close to the limit, and he forgot to make a monthly payment on one card two months ago. What could be a future consequence of this behavior?
a
A higher interest rate
b
Garnishment of benefits
c
A better credit score
d
Loss of all credit
The future consequence of this behavior would be as A higher interest rate Option(a) is correct.
What is a Credit Card?A Credit card is an installment card gave to clients (cardholders) to empower the cardholder to pay a trader for labor and products in light of the cardholder's gathered obligation i.e., vow to the card backer to pay them for the sums in addition to the next concurred charges.
A Standard credit card is unique in relation to a charge card, which requires the equilibrium to be reimbursed in full every month or toward the finish of every assertion cycle. Conversely, credit cards permit the shoppers to fabricate a proceeding with equilibrium of obligation, likely to intrigue being charged.
A Credit card contrasts from a charge card likewise in that a credit card ordinarily includes an outsider substance that pays the merchant and is repaid by the purchaser, while a charge card just concedes installment by the purchaser until a later date.
Therefore Option(a) is correct.
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who ready for some questions?
Answer: I’m ready
Explanation:
which of the following is most likely to affect labor supply?
a. the cost of non-labor factors of production
b. a non-binding minimum wage
c. mass immigration
d. none of the above
Out of the options given, mass immigration is the most likely to affect labor supply. Option c is correct.
Mass immigration refers to a significant influx of people into a particular area or country. As more people enter the labor force, the supply of labor increases. This can result in a decrease in wages and job opportunities for native workers, as there is now a larger pool of labor to choose from.
On the other hand, a non-binding minimum wage and the cost of non-labor factors of production may affect the demand for labor, but not necessarily the supply.
Therefore, option c is correct.
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______ Is a market in which a large number of suppliers compete with each other to satisfy the needs and wants of a large numbers of consumers at a competitive price.???
Answer : Monopolistic competition
Answer:
Monopolistic Competition
Explanation:
In a monopolistic competitive market, there are large numbers of sellers who do not sell identical products instead they sell differential products. They compete with each other at a competitive price. The products could be differentiated in many ways including quality, style, location and even brand name. Since they compete at a competitive price, if there is a substantial rise in the price of any of the products, the buyers could quickly shift from one product to another. The most crucial factor behind product differentiation is because of geographical factors. Under a monopolistic competitive market, the sellers do not have any influence over customer loyalty and limited control over the price.
Carradine Company prepares an adjusting journal entry to accrue salaries at year-end. What effect will this entry have on the financial statements
Answer: Increase in Liabilities; Decrease in Equity
Explanation:
If Salaries are accrued at year end, the salary expense will be credited to the Salaries Payable account which is a liability account to reflect that the company owes its staff some money.
The amount owed will be debited to the salaries expense account and so will reflect in the Income statement where it will reduce the net income for the period. This means that it will reduce Retained Earnings for the period and as Retained earnings is an Equity account, Equity in total will decrease.
How can you take effective notes during a classroom lecture? Check all that apply.
Write down everything I hear.
Use the Cornell method.
Listen for keywords.
Pause to take notes when needed.
Write down notes without pausing.
Sit where I can see the speaker.
Answer:
bcdf
Explanation:
which job evaluation method begins by comparing benchmark jobs and then uses both point factors and ranking?
Factor comparison is the which job evaluation method begins by comparing benchmark jobs and then uses both point factors and ranking.
Which technique for work assessment utilizes benchmarking?
Occupations with comparative obligations inside the association are distinguished to set benchmarks. Recognizable elements for the benchmark occupations are positioned during factor examination and afterward are contrasted with market rates to relegate a money related worth to each compensable factor.
Which technique for work assessment utilizes benchmarking?
Factor comparisonWhat are the two kinds of benchmarking and when are they utilized?
There are two essential sorts of benchmarking: Inward benchmarking: examination of practices and execution between groups, people or gatherings inside an association. Outer benchmarking: examination of hierarchical execution to industry peers or across ventures.
Occupations with comparable obligations inside the association are distinguished to set benchmarks. Recognizable variables for the benchmark occupations are positioned during factor examination and afterward are contrasted with market rates to relegate a financial worth to each compensable factor.
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which of the following are characteristics of tangible assets recoverable through depreciation? (select all that apply.) multiple select question. increase in value over time reasonably ascertainable useful life decline in value over time due to wear and tear nonwasting (do not physically deteriorate)
Tangible assets are physical items that have an ascertainable value. It is possible to recover the value of a tangible asset over time through depreciation. All of the given characteristics are applicable to tangible assets recoverable through depreciation.
Below are the characteristics of tangible assets recoverable through depreciation:
Useful Life: Tangible assets have a useful life, which means that they have a limited period of usefulness. The useful life of an asset is the amount of time during which the asset is expected to be used. Assets are generally depreciated over their useful life.
Decline in Value: Tangible assets lose their value over time due to wear and tear, damage, or other factors. This decline in value is what allows the asset to be depreciated over time.
Increase in Value: Tangible assets do not generally increase in value over time. However, some assets may appreciate in value if they are rare or if there is a high demand for them.
Recoverable Through Depreciation: Tangible assets can be recovered through depreciation. Depreciation is the process of allocating the cost of an asset over its useful life. It is used to reduce the value of an asset over time and to account for wear and tear.
Nonwasting: Tangible assets are considered nonwasting because they do not physically deteriorate. This means that they can be used for many years without being significantly impacted by wear and tear. Therefore, all of the above characteristics are applicable to tangible assets recoverable through depreciation.
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the unit materials offer several guidelines for writing step-by-step instructions. one is to number the instructions. what are two of the other five guidelines?
Two other guidelines for writing step-by-step instructions, besides numbering them, are to use clear and concise language, and to include visuals or diagrams when necessary.
Clear language ensures that the instructions are easy to follow and understand, while visuals help to clarify any complex or confusing steps. Other guidelines include breaking the process into manageable steps, using active voice, and providing warnings or cautions when necessary.
These guidelines help to ensure that the instructions are effective in communicating the desired outcome and can be followed accurately by the reader.
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how to get over your crush that youve had for like forever (2 years lol)
Answer:
Weed
Explanation:
Answer:
dont think abt him/her
get a new hobby or try something new to get ur mind off that person
Hope this helps!!
A football team receives $258,000 in sponsorship for equipment, and the administrative costs are expected to be $27,000. What are the costs as a percentage of sponsorship revenue?
Based on the calculation below, costs as a percentage of sponsorship revenue is 10.47%.
How to calculate costs as a percentage of revenue?The costs as a percentage of sponsorship revenue can be calculated using the following formula:
Costs as a percentage of sponsorship revenue = (Expected administrative costs / Sponsorship revenue) * 100 …………………………….. (1)
Substitute the relevant values into equation (1), we have:
Costs as a percentage of sponsorship revenue = ($27,000 / $258,000) * 100
Costs as a percentage of sponsorship revenue = 0.104651162790698 * 100
Costs as a percentage of sponsorship revenue = 10.47%
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Which of the following is a psychographic-centred marketing approach?
Select one:
a. An automobile company creating a marketing strategy to differentiate its products from other products available in the market.
b. A toy manufacturing company marketing its products by targeting the consumers, according their age and gender.
c. A food manufacturing company creating a customer profile based on the interests and habits of people in a particular geographic location.
d. A clothing company creating a marketing strategy based on the lifestyles of people and their interests in different locations.
e. An insurance company conducting a survey to create a customer profile based on their education and occupation
The psychographic-centered marketing approach among the options provided is option d. A clothing company creating a marketing strategy based on the lifestyles of people and their interests in different locations.
Psychographic-centered marketing focuses on understanding the psychological and behavioral characteristics of target customers. It goes beyond demographic factors like age, gender, and location and delves into customers' interests, lifestyles, values, attitudes, and motivations.
Option d aligns with this approach as a clothing company creates a marketing strategy based on the lifestyles of people and their interests in different locations. By considering customers' interests, preferences, and behaviors, the company can tailor its products, messaging, and marketing campaigns to resonate with their target audience on a deeper level.
This approach enables the company to connect with customers who share similar lifestyles and interests, enhancing the effectiveness of their marketing efforts.
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why is freshness of ingredients important in salad preparation
what are the agriculture specialist do
Answer:
Agricultural specialists research farms and crops, collect data, and help farmers implement the best industry practices available. As an agricultural specialist, you also take the time to evaluate farmlands, cultivate relationships with others in the industry, and support land conservation efforts.
b) Now that you've created an invoice, how did you arrive at your final total? (2
points)
Answer:
black guy in the learners permit to build
the amount an organization must pay to compete against other companies that hire similar employees is referred to as
Rosé ordered a package of macaroons from an out of state bakery. She received the cookies the following week. What type of e commerce product did rose order
Answer:
physical
Physical products are tangible goods that can be shipped or delivered to a customer's location. E-commerce refers to the buying and selling of goods or services online, typically through a website or app. In this case, Rosé likely placed an order for the macaroons through the bakery's e-commerce platform, and the bakery shipped the cookies to her location.
Which of the following would you use to find out which Web sites with content related to database design were the mosts often linked to by other Web sites?
Web structure mining
The term used to find out which websites with content related to database design were the most often linked to by other websites is Web structure mining.
What is web structure mining?Web structure mining is the process of using data mining techniques to extract helpful data from the structure of web documents and services. Web structure mining examines the hyperlinks present on web pages to find out the link structure of a website or the internet as a whole. This approach provides more insight into the way the web is arranged and what makes it tick.What are the advantages of web structure mining?Web structure mining offers the following advantages:The capability to analyze and visualize the hyperlinks among pages helps in identifying hidden communities and structures.
The information gleaned from web structure mining can be used to improve search engines. A web crawler's efficiency may be improved using web structure mining. Furthermore, it enables web page ranking, link prediction, and page quality assessment.
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