why would you want to offer a down payment on an item such as a car or a house?
Answers
Answer:
A down payment helps the buyer to obtain ownership of the property or vehicle and also helps them to reduce the monthly payment towards the mortgage principal and interest. The buyer can get a lower interest rate by paying a higher down payment.
Related Questions
Privacy laws include governing what
Answers
can regional level employment be converted into national level
employment? Why? Why not ?
Answers
Answer:
The work or occupation for which one is used and often paid is known as employment. If employment is generated in a particular region or a locality only, it is termed as regional level employment and if employment is generated at the national level, it is termed as national level employment.
Explanation:
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Project management isGroup of answer choicesa. only used on projects that are well planned.b. used all over the world to help organizations meet customer needs.c. used only on projects completed by teams external to the customer's organization.d. completed using one standard method.
Answers
Project management refers to managing customer communication and expectations by motivating project team members.
What do you mean by a project?A project refers to a collaborative enterprise that is carefully planned for achieving a particular aim.
Project management refers to those projects that are used all over the world to help organizations meet customer needs.
Therefore, B is the correct option.
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true or false, to advance the progress completion percentage in a smartbook assignment, only one question per concept must be answered correctly
Answers
Answer:
FalseExplanation:
A SmartBook assignment's progress completion % may not always be dependent on correctly answering just one question per idea. The requirements for increasing a SmartBook assignment's progress completion percentage can change based on the particular assignment, the course, and the instructor. It could be determined by properly answering a predetermined number of questions overall, a predetermined number of questions in each topic area, or by doing a predetermined number of activities or evaluations inside the assignment. The easiest way to find out the precise requirements for raising the progress completion percentage in a SmartBook assignment is to study the assignment instructions or speak with the instructor.
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A student is graduating from college in six months but will need a loan in the amount of $3,725 for the last semester. the student may receive either an unsubsidized stafford loan or a plus loan. the terms of each loan are: unsubsidized stafford loan: annual interest rate of 4.65%, compounded monthly, with a balance of $3,901.95, at the time of repayment plus loan: annual interest rate of 5.65%, compounded monthly with payment deferred until graduation which loan will have a lower balance and by how much at the time of repayment?
Answers
A loan will have a lower balance and by much at the time of repayment $142.13.
What is loan?A loan is any sum of money, a piece of property, or other tangible item that is given to another party with the understanding that it will be paid back, plus interest, at a later date. A loan was the pay with interest.
Calculated the repayment of loan:
Given,
loan in the amount of $3,725
Annual interest rate of 4.65%
compounded monthly, with a balance of $3,901.95
annual interest rate of 5.65%
monthly interest rate is 4.65% ÷ 12
monthly interest rate = 0.3875%.
monthly interest rate is 5.65% ÷ 12
monthly interest rate = 0.4708%.
balance = principal x (1 + monthly interest rate)^ number of compounding periods
balance = $3,725 x \((1 + 0.003875)^6\)
balance = $3,901.95
balance = principal x (1 + monthly interest rate)^ number of compounding periods
balance = $3,725 x \((1 + 0.004708)^6\)
balance = $4,044.08
Amount of loan = $4,044.08 - $3,901.95
Amount of loan = $142.13.
As a result, the significance of the loan will have a lower balance in period of repayment is $142.13.
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Which of these channel members is last in the distribution channel?
A.Retailer
B.Manufacturer
C.Consumer
D.Wholesaler
Answers
Answer:
C
Explanation:
They are the ones to use to products.
Answer:
C. Consumer
Explanation:
Took the test
Which step directly follows "loss of jobs” in the stagflation cycle?
Answers
Answer:
fewer items produced
Explanation:
Answer:
D
Explanation:
1.different types of socialization?
Answers
Answer:
Primary and secondary
Explanation:
Generally there are 5 types of socialisation.
1. Primary
2. Secondary
3.Anticipatory
4. Development
5. Resocialisation.
But the common are primary and secondary
This type of socialization happens when a child learns the values, norms and behaviors that should be displayed in order to live accordingly to a specific culture.
Example: A child hears his father talk bad words against an old lady. The child would think that this behavior is socially acceptable, so he would start talking bad words against older people.
Secondary socialization
This type of socialization occurs when a person learns an appropriate behavior to be displayed within a smaller group which is still part of a larger society. The changes within the values, attitudes and beliefs of an individual are seen to be less important than the changes made in him as he participates in the larger society.
Example: A high school graduate chooses a career in Business Management after participating in a small group career seminar led by college business majors.
Developmental socialization
This type of socialization involves a learning process wherein the focus in on developing our social skills.
Example: A shy senior high school student starts to teach English to new freshmen students in order to develop verbal communication.
Anticipatory socialization
This type of socialization refers to the process wherein a person practices or rehearses for future social relationships.
Example: A child anticipates parenthood as he observes his parents perform their daily roles.
Resocialization
This type of socialization involves rejecting previous behavior patterns and accepting new ones so the individual can shift from one part of his life to another. Resocialization is said to be happening throughout human life cycle.
What is speculative risk?
Answers
Answer:
A speculative risk is uncertain degree of gain or loss. Every speculative risk are made as conscious choices and are not just a result of uncontrollable circumstances.
Explanation:
It's basically a conscious choice you made!
Answer:
A voluntary risk that will either result in a profit or loss
Explanation:
If your tax bill is $200 and your taxable income is $2,000, then your average tax rate is _____ percent.
Answers
The average tax rate is 10
How to calculate the tax rate ?Tax rate can be described as percentage at which and individual or an organisation is being taxed monthly or annually by the government.
The tax bill is $200
Taxable income is $2,000
Therefore the average tax rate can be calculated as follows
= 2,000/200
= 10
Hence the tax rate is 10
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According to the reading, what might support a premium pricing strategy? a) Forming your business as a corporation b) Fresh ingredients c) 24 hour operation d) None of the above
Answers
Answer: Fresh ingredients
Explanation:
If you want a brainly and a free virtual hug give me the correct answer
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Which leadership skill do you feel is most important for a small business to succeed for a
long time? Explain your answer using examples. It's depends on the business that they are doing because they all have strengths and weakness.
Answers
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Why is engaging communication a two-way process?
Why are words alone not enough to communicate effectively?
Answers
Answer:
Explanation:
You need 2 people to have a conversation, not just words. You can’t just be in and empty room and just talk. You need someone else to talk to you.
The motives of those involved in unethical behavior that caused the financial crisis in the real estate, banking, and mortgage industries included: Multiple select question. greed the wish to inflate their own earnings assuring buyers and sellers of financially sound investments providing homes only to those who could afford them
Answers
The motives of those involved in unethical behavior that caused the financial crisis in the real estate, banking, and mortgage industries included Option A greed and the wish to inflate their own earnings.
What is unethical behavior?unethical behavior bare behavior that is contrary to the rules and principle of the organization.
In most cases it is usually as a result of greed and the wish to inflate their own earnings.
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When supply chain members that buy and sell to one another are not in agreement about their goals, roles, or rewards ________ channel conflict can occur.
Answers
Vertical channel conflict can happen when supply chain participants that buy from and sell to one another do not agree on their objectives, responsibilities, or benefits.
What does supply chain management's channel conflict entail?Any disagreement or conflict that could arise between two or more channel partners when one partner's decisions or actions have an impact on the other's financial results, sales, or market share is referred to as a channel conflict.
A vertical channel conflict is what?There is a vertical channel conflict when two or more partner kinds compete on different channels. This could be compared to a quarrel over client acquisition between a core firm and an affiliate, a dispute between a provider and a reseller, or other situations.
How can vertical disputes in distribution channels develop?Vertical channel conflict is the most prevalent type of channel conflict. This occurs when a conflict arises between two parties who are located at various locations along the distribution chain, such as a manufacturer and a retailer. Sales, both direct and indirect, are potential vertical conflict triggers.
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Arthur, an employee at Scorsec Inc., was recently promoted to the post of ChiefTechnical Officer on the basis of his consistent high-quality performance over thepast 5 years in the company. The management of the company filled the positionvacated by Arthur by hiring a new employee who fit the job profile. In thisscenario, Arthur was promoted to a higher-level position througha. Homesourcingb. Internal recruitingc. Onshoringd. Word-of-mouth recruiting
Answers
In the given scenario, Arthur was promoted to a higher-level position through Internal recruiting. The correct answer is b.
Internal recruiting involves promoting or hiring employees from within the organization to fill open positions. In this scenario, Arthur was promoted to a higher-level position based on his consistent high-quality performance over the past 5 years with the company. This is an example of internal recruiting, as the company promoted an existing employee to fill the open position rather than hiring someone from outside the organization.
Homesourcing refers to the practice of allowing employees to work from home, rather than requiring them to come into the office. Onshoring refers to the practice of hiring employees in the same country where the company is located, rather than outsourcing work to employees in other countries. Word-of-mouth recruiting involves relying on current employees to refer friends or acquaintances for open positions within the company.
Therefore the correct answer is option b. Internal recruiting.
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An airline pays $200,000 on October 10th for a one year insurance policy. Which one of the following statements is correct?
Select one:
a.
the company's total liabilities increase
b.
the company's total expenses increase
c.
the company's total assets increase
d.
the company's total assets are unchanged
e.
the company's equity decreases
Answers
The correct statement is that the company's total assets are unchanged.
When the airline pays $200,000 for a one-year insurance policy, it involves an exchange of cash for an insurance asset. The payment reduces the company's cash (an asset) by $200,000. However, the company acquires an insurance policy worth $200,000, which offsets the decrease in cash. Therefore, the company's total assets remain unchanged.
This transaction does not directly affect the company's liabilities, expenses, or equity. It is important to note that while the insurance expense will be recognized over the course of the policy period, it does not impact the total expenses at the time of payment. Therefore, the company's total assets remain unchanged
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which of the following is not a characteristic of decentralization? multiple choice question. decentralization reduces how accountable lower-level managers are for the outcomes of their decisions. decentralization allows top management to concentrate on bigger issues such as overall strategy. decentralization puts the decision-making authority in the hands of those who have the most information on day-to-day operations. decentralization helps to train lower-level managers for higher level positions
Answers
"Decentralization reduces how accountable lower-level managers are for the outcomes of their decisions" is not a characteristic of Decentralization.
What is Decentralization ?When everyday operations and decision-making authority are transferred from top management to middle- and lower-level managers—and occasionally even team members—this is known as decentralization in business.
Decentralized frameworks enable team members to apply their skills, knowledge, and expertise to contribute meaningfully to the workplace. This strategy also lessens some of the constraints on business owners, allowing them to focus more on growth and less on day-to-day tasks.
Hence, option A is an appropriate response.
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How does completing a Free Application for Federal Student Aid (FAFSA)
application assist in postsecondary education?
OA. The FAFSA determines the credit limits that a student or their
guardian can meet.
OB. The FAFSA identifies which trade schools are best suited to your
mechanical skills.
OC. The FAFSA identifies which colleges would match to your interest
inventory.
OD. The FAFSA guides students to financial aid packages for which
they qualify.
Answers
Option (d), The Free Application for Federal Student Aid (FAFSA) application assists students in finding the financial aid packages for which they are eligible in postsecondary education.
Who is qualified to fill out an FAFSA?The Free Application for Federal Student Aid is a vital resource for students looking for financial aid (FAFSA). In addition to requesting federal aid for higher education, students must file the FAFSA in order to be considered for awards from organizations, states, and private benefactors.
To be qualified to submit the FAFSA, a student must have financial need, be enrolled in a college or university's diploma or certificate program, be a U.S. citizen, or be an eligible noncitizen. A valid Social Security number, maintaining satisfactory academic progress, and receiving a high school diploma are only a few of the additional requirements for federal eligibility.
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Blossom Company is considering an investment that will return a lump sum of $850,000 3 years from now. Click here to view the factor table. (For calculation purposes, use 5 decimal places as displayed in the factor table provided.) What amount should Blossom Company pay for this investment to earn an 6% return? (Round answer to 2 decimal places, e.g. 25.25.)
Answers
Ale jak się okazało w Polsce dniu narty nie skierowane to dniu tym świecie i jest ogóle nie ma problemu z tym że nie ma przecieku co w wszystko jutrzejszym terminie
what is the effect on total assets when a company buys a building in exchange for a 20-year note payable?
Answers
The company's total assets would only be affected by the initial purchase of the building, and by any depreciation or appreciation of the building over time.
When a company buys a building in exchange for a 20-year note payable, it would affect the total assets in the following way:
The purchase of a building with a 20-year note payable would increase the total assets of the company. The building would be added to the assets side of the balance sheet at the cost of the building.
The notes payable would be recorded as a liability on the balance sheet, thereby increasing the total liabilities. The company would have to pay interest on the note payable to the lender over the 20-year period.
The total assets of the company would increase initially with the purchase of the building, but this increase would be offset by the increase in liabilities due to the notes payable. This would result in a temporary increase in the total assets.
However, over time, as the company makes payments on the notes payable, the total liabilities would decrease, thereby increasing the company's equity. The company's total assets would only be affected by the initial purchase of the building, and by any depreciation or appreciation of the building over time.
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Dean Price is the son of Baptist minister who was convicted in 1979 of tax evasion and racketerring grew in a poverty stricken trailer park in a small town in rural Kentucky From an early age Dean decided that he ( 1 ) did trust the and ( 2 ) was not going to live in poverty when he became an adult Since President Obama was elected as the President of the United States of America , Dean has continually felt that the country was headed in the wrong direction One alone drinking cheap tasting beer in his ramshakle house surfing the internet Dean came across a website that was , End of the World Gossip that discussed how the world would end due to " Peak Peak is the point in time when the maximum rate of petroleum extraction is reached , after which the rate of production is expected to enter terminal decline After reading the website and becoming a regular visitor , Dean thinks he has uncovered his secret to riches Dean convinces three of his distance cousins ( kinfolk ) to invest money in a business venture to convert used cooking oil and animal feces to that can be run in gasoline combustion engines . Dean and his kinflok decide that they will become a corporation But before they file the paperwork with the Secretary of State , Dean enters into numerous contracts with various restuarants , school districts , and farmers to purchase their used cooking oil and animal feces Later Dean and his kinfolk file the required documentation with the Secretary of State and become a validly registered corporation One day the IRS visits Dean's ramshakle house and asks Dean if he has ever paid taxes for the corporation . Dean looks at them with astonishment and says , " No - taxes , that is what communists do ! am an American citizen The IRS agents immediately leave and begin an investigation of Dean , his kinfolk , and their corporation During the investigation it is discovered that Dean uses his personal checking account to conduct business for the corporation , the investors only contributed $ 411.65 , corporate meetings are held in Dean's backyard around a large bonfire where everyone drinks beer , and none of the members of the corporation graduated from high school Please discuss any liability or doctrines that occurred in the pre incorporation period . Also , in detail , please discuss what , any , doctrines the IRS will use in their investigation of Dean , his kinfolk , and the corporation .
Answers
Pre incorporation period doctrines are responsible for the liabilities that arise from business transactions before a corporation comes into existence.
The IRS is likely to use several doctrines to investigate Dean, his kinfolk, and their corporation. These include the business purpose doctrine, the step transaction doctrine, the economic substance doctrine, and the sham transaction doctrine.
Business purpose doctrine: The business purpose doctrine is one of the doctrines that the IRS is likely to use in their investigation of Dean, his kinfolk, and their corporation. This doctrine states that for a transaction to be recognized by the IRS, it must serve a legitimate business purpose.
The doctrine is used to prevent the formation of a corporation purely for tax avoidance purposes. In this case, Dean and his kinfolk may have formed the corporation to avoid paying taxes. The IRS may view this as a violation of the business purpose doctrine.
Step transaction doctrine: The IRS may also use the step transaction doctrine to investigate Dean, his kinfolk, and their corporation. This doctrine looks at a series of related transactions as a single transaction. The doctrine is used to prevent tax avoidance by breaking a transaction down into multiple steps, each with a different tax treatment.
In this case, the IRS may view the investment of money into the business venture by Dean's cousins as a separate step from the formation of the corporation. The IRS may view this as an attempt to avoid taxes.
Economic substance doctrine: The economic substance doctrine is another doctrine that the IRS is likely to use in their investigation of Dean, his kinfolk, and their corporation. This doctrine is used to determine whether a transaction has economic substance beyond its tax implications.
In this case, the IRS may view the conversion of used cooking oil and animal feces to fuel as a transaction with no economic substance. The IRS may view this as an attempt to avoid taxes.
Sham transaction doctrine: The sham transaction doctrine is used to investigate whether a transaction is real or just a sham to avoid taxes.
In this case, the IRS may view the corporation's business dealings, such as conducting corporate meetings around a large bonfire, using a personal checking account to conduct business, and not having any members that graduated from high school, as a sham. The IRS may view this as an attempt to avoid taxes.
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How much is the peso mark-up if the selling price is P15 and the purchase cost is P10.00?
Answers
Answer:
Simply take the sales price minus the unit cost, and divide that number by the unit cost. Then, multiply by 100 to determine the markup percentage. For example, if your product costs $50 to make and the selling price is $75, then the markup percentage would be 50%: ( $75 – $50) / $50 = . 50 x 100 = 50%.
Explanation:
Welfare includes all of the following EXCEPT
(a) Social Security
(b) Medicare
(c) Occupational Safety and Health Administration
(d) Medicaid
Answers
Answer:
(C) Occupational Safety and Health Administration
What is the volume of a box that is 3 m long, 0.5 m high, and 2 m wide?
Answers
A school counselor conducts a health and wellness needs assessment of her students. She is likely employing which survey research design?
A)Trend
B)Cohort
C)Panel
D)Cross-sectional
Answers
The likely survey research design employed by the school counselor in conducting a health and wellness needs assessment of her students is D) Cross-sectional.
Cross-sectional survey research design involves collecting data from a sample of individuals at a specific point in time. In this case, the school counselor is conducting a one-time assessment of the students' health and wellness needs. The data is collected at a single moment, providing a snapshot of the students' current health and wellness status.
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Hiring managers spend at least an hour reviewing an applicants résumé.
A. True
B. False
Answers
Answer: False?
Explanation:
Hiring managers spend often 30 sec to 2 minutes reviewing an applicants resume.
Your ________ include cash, checking and savings account balances, and money market funds.
Answers
Answer:
Your monetary assets include cash, checking and savings account balances, and money market funds.
Metallica Bearings, Inc., is a young start-up company. No dividends will be paid on the stock over the next 11 years because the firm needs to plow back its earnings to fuel growth. The company will then pay a dividend of $15.00 per share 12 years from today and will increase the dividend by 5.5 percent per year thereafter. If the required return on this stock is 13.5 percent, what is the current share price? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)
Answers
The current share price of Metallica Bearings, Inc. is $192.23. This is calculated using the dividend discount model and considering the company's dividend payment and growth rate.
To calculate the current share price of Metallica Bearings, Inc., we can use the dividend discount model (DDM) approach.
Step 1: Calculate the present value of the future dividends.
PV = D / (1 + r)^t
PV = $15 / (1 + 0.135)^12
PV = $15 / (1.135)^12
PV = $15 / 3.172074
PV = $4.73 (rounded to 2 decimal places)
Step 2: Calculate the present value of the growing perpetuity.
PV = D / (r - g)
PV = $15.00 / (0.135 - 0.055)
PV = $15.00 / 0.08
PV = $187.50
Step 3: Calculate the current share price by summing up the present values.
Current share price = PV of future dividends + PV of growing perpetuity
Current share price = $4.73 + $187.50
Current share price = $192.23
Therefore, the current share price of Metallica Bearings, Inc. is $192.23.
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