The lender must furnish a copy of the CFPB booklet to Abby no later than the third business day from: A. The date Abby receives the good faith estimate
What is CFPB ?CFPB which full meaning is Consumer Financial Protection Bureau is an agency whose roles and responsibility is to protect consumers.
Based on the given scenario the lender have to furnish a copy of the CFPB to the borrower no later than the third business day from the date the borrower receives the good faith estimate.
Therefore the correct option is A.
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The complete question is:
Abby applies for a federally-related loan to purchase a home. The
lender must furnish a copy of the CFPB booklet to Abby no later than the third business day from which date?
The date Abby receives the good faith estimate.
The date escrow is opened.
The date the lender receives her application.
The date Abby makes the request to receive the booklet.
This year you have decided to focus your efforts on marketing to employer group plans. One employer provides you with a list of their retirees and asks you to contact them to explain the characteristics of the plan they have selected. What should you do?.
The inference shows that the thing that should be done is to go ahead and call them.
What is an inference?It should be noted that an inference simply means the conclusion that. an be deduced based on the information given.
In this case, since the employer provides you with a list of their retirees and asks you to contact them to explain the characteristics of the plan they have selected, it is important to call them.
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American Paper Company has a beta of 1.2. The risk-free rate is 6 percent and the required return on the market is 14 percent. The required rate of return on the security is
American Paper Company has a beta of 1.2. The risk-free rate is 6 percent and the required return on the market is 14 percent. The required rate of return on the security is:
-15.6%-13.2%-22.0%-22.8%What Is the Security Market Line?The security market line (SML) is a line drawn on a chart that serves as a graphical representation of the capital asset pricing model (CAPM)—which shows different levels of systematic, or market risk, of various marketable securities, plotted against the expected return of the entire market at any given time.
Its Also known as the "characteristic line," the SML is a visualization of the CAPM, where the x-axis of the chart represents risk (in terms of beta), and the y-axis of the chart represents expected return. The market risk premium of a given security is determined by where it is plotted on the chart relative to the SML
The formula for plotting the SML is:
Required return = risk-free rate of return + beta (market return - risk-free rate of return)
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Rachel receives employer-provided health insurance. The employer's cost of the health insurance is $6,000 annually. What is her employer's after-tax cost of providing the health insurance, assuming that the employer's marginal tax rate is 21 percent and the employer is profitable
Based on the cost of Rachel's health insurance to the employer, the employer's after-tax cost is $4,740.
How much is the health insurance after-tax cost?This can be found as:
= Before tax cost of health insurance x (1 - marginal tax rate)
Solving gives:
= 6,000 x (1 - 21%)
= 6,000 x 0.79
= $4,740
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What type of analytics would take past purchasing data as inputs into a model and then recommend the best pricing strategy for maximizing revenue
"Prescriptive Analysis" would take past purchasing data as inputs into a model and then recommend the best pricing strategy for maximising revenue.
What is Prescriptive Analysis?Prescriptive analytics makes recommendations about potential outcomes and produces actions that are likely to maximise important business KPIs.
Prescriptive Analytics is based on:
Optimisation which helps in achieving the best outcomesStochastic optimisation which helps in how to achieve best outcomes and identify data uncertainties to make best results.The types of analytics are-
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Examine the table comparing auto collision insurance
deductibles and premiums for three drivers.
Why does driver 3 most likely pay a higher monthly premium than drivers 1 and 2?
The insurance company views driver 3 as a risk
because of accident history and age.
The insurance company believes that driver 3 is
less likely to pay bills on time.
Driver 3 voluntarily pays a higher premium in order
to have a lower deductible.
Driver 3 voluntarily pays a higher premium to
receive greater coverage.
Driver 3 most likely pay a higher monthly premium than drivers 1 and 2 because A. The insurance company views driver 3 as a risk
because of accident history and age.
Why will an individual pay a higher premium?It should be noted that a monthly premium will reflect the added risk of multiple drivers using a vehicle.
Also, teenagers or young people generally pay higher premiums because it's believed that there more prone to accident.
Therefore, driver 3 most likely pay a higher monthly premium than drivers 1 and 2 because the insurance company views driver 3 as a risk
because of accident history and age
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Answer: A
Explanation:
The insurance company views driver 3 as a risk because of accident history and age.
Which type of market is the one in which a person buys stock in the fast-food company that makes their favorite breakfast sandwich?
a. Product market
b. Factor market
c. Financial market
d.Closed market
Answer:
C. Financial market
Explanation:
Anything that has to do with stocks is part of the Financial Market.
Answer: C: Financial Market
Explanation:
Shortly after World War II, John Jackson developed and began selling a machine lubricant that was superior to anything currently on the market. While demand kept up with production at first, several strong competitors added new products and he soon had to hire a sales force to sell excess product to manufacturing companies in the area. This is an example of marketing behavior that would occur during the ________ era of U.S. business history.
The given scenario is an example of marketing behavior that would occur during the sales era of U.S. business history.
What is Marketing?This refers to the creation of awareness for a particular product by making promotions.
Hence, we can see that based on the given scenario of the machine lubricant that was sold after the WWII, there was the introduction of strong competitors and a sales force had to be hired and this is an example of marketing behavior that would occur during the sales era of U.S. business history.
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norma inc. uses the perpetual inventory system. when the company records a sale, it should make entries to:
The fact that Norma Inc. uses a perpetual inventory system means that when a sale is recorded, the company should:
b. decrease an asset and increase an expense.c. increase an asset and increase revenue.What happens when a sale is made?The revenue account should be increased because a sale brings money into the business. Cash or Account Receivables should also increase depending on is the sale was a cash or credit sale.
Cost of goods sold would increase as well and it is an expense. The asset of inventory would decrease to show that there is less inventory on account of the sale.
Options for this question are:
a. decrease an asset and decrease revenue
b. decrease an asset and increase an expense
c. increase an asset and increase revenue
d. increase an asset and decrease an expense
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A physical good, service, or idea that satisfies a want or need is called a(n):
A physical good, service, or idea that satisfies a want or need is called a product.
What is a product?Products are objects or produced goods made available for consumers for consumption.
They are known as tangible goods that can be seen and touched. They are produced in order to satisfy human need and want.
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a simple contract is defined as an informal contract made without the formalities of a seal. true false
It is true that a simple contract is defined as an informal contract made without the formalities of a seal.
What is simple contract?This is a contract between two parties which could be oral or written. It is to be noted that parties to simple contract have intended to be legally bound by it.
Some of the examples of simple contracts are:
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A tax credit of $5000 for a person in a 35% tax bracket would reduce a person's taxes owed by?
A tax credit of $5000 for a person in a 35% tax bracket would reduce a person's taxes owed by $1,750.
What is tax credit?Tax credit can be defined as the money deducted from the tax you owe.
Using this formula
Tax reduction=Amount owe- Tax bracket percentage
Let plug in the formula
Tax reduction=$5,000×35%
Tax reduction=$1,750
Therefore a tax credit of $5000 for a person in a 35% tax bracket would reduce a person's taxes owed by $1,750.
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Any purchased materials that will go into the finished product are first recorded in the.
Any material purchased will be recorded in the Raw material inventory account. The option for the first blank is raw and second blank is material.
What is Inventory Account?Inventory Account refers to the account which records all the transactions related to the stock. It records the purchased of the stocks, work in progress, closing stock, opening stock etc.
The complete question is attached below.
The raw material inventory account is where all materials that will be used to create the final product are first registered.
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how did the strategic alliance between hp and dreamworks animation skg affect hp?
The strategic alliance between HP and Dreamworks animation skg affected HP because its enabled the firm to compete head on with Cisco's videoconferencing solution.
What is a strategic alliance?This refers to the agreement between two firms who are pursuing a set of objectives while remaining an independent organizations
Hence, the strategic alliance between the two firms impacted one as its to compete head on with Cisco's videoconferencing solution.
Therefore, the Option B is correct.
Missing options "A. It helped HP pursue a taper integration strategy. B. It enabled HP to compete head on with Cisco's videoconferencing solution. C. It resulted in depreciation of HP's shareholder value. D. It failed because HP lacked the expertise in selecting and integrating technology acquisitions"
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when effective leaders hear others complaining about a problem, which action would they most likely take?
When effective leaders hear others complaining about a problem, THE action would they most likely take is: To try to learn how big the problem really is.
Who is a leader?A leader is person that possess a leadership skills and help to direct and lead the people that are under him/her.
An effective Leaders does not ignore problems but they tend to learn how big the situation and try to figure and solve it.
Therefore the action would they most likely take is: To try to learn how big the problem really is.
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What are the three methods of calculating balance charges on credit cards?.
The three methods of calculating balance charges on credit cards are:
previous balance method.average daily balance method (excluding and including newly billed purchases.adjusted balance method.How can we calculate a credit card balance ?Calculation of the credit balance can be done generally by dividing the average daily balance totals by the total number of days in the billing cycle.
Then the result is then multiplied by the monthly interest rate, however all the listed method can as well be used.
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having a high debt-to-income ratio or defaulting on your loan can bring down your credit score. how can a low credit score on your credit report affect you?
A low credit score on your credit report can affect you as it will lead to higher interest rates.
What is a credit report?It should be noted that a credit report is the record of the repayment history of a borrower.
In this case, a credit score on your credit report can affect you as it will lead to higher interest rates as well as fewer loan options.
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Consider two processes. If both versions create the same benefit, but one costs more than the other, the higher-cost version is less ________ than the lower-cost version.
Consider two processes. If both versions create the same benefit, but one costs more than the other, the higher-cost version is less Efficient than the lower-cost version.
What is Process Quality?Process Quality = measured in two dimensions: process effectiveness and process efficiency
Effective Business Process = enables the organization to accomplish its strategy. ex: investigating whether 3D printing will help accomplish the strategy of having the largest selection of parts in the industry
Efficiency Business Process = the ratio of benefits to costs. ex: consider two versions that create the same benefit, but one costs more than the other does, meaning the higher-cost version is less efficient than the lower-cost version/if both versions cost the same, but one generates less benefit than the other, then the lower-benefit one is less efficient.
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Determine which of the statement(s) are correct if a petty cash account is not replenished at the end of the accounting period. (check all that apply.) multiple select question. the balance sheet would show an overstated cash asset. the balance sheet would show an understated cash asset. expenses would not be recorded in the period in which they were incurred. the income statement would reflect a net income amount that was too high.
If Petty Cash is not replenished at the end of the accounting period:
the balance sheet would show an overstated cash asset.expenses would not be recorded in the period in which they were incurred. the income statement would reflect a net income amount that was too high.What happens when petty cash is not replenished?Because the cash that was meant to go to the petty cash was not taken from the cash account, this account will have more than it should (overstated).
The expenses which were incurred and recorded in the petty cash would not be accounted for which means that the income would be overstated as these expenses were not deducted from it.
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Why shouldn’t applicants to job openings send their cover letter as an attachment in an e-mail? when would it be acceptable to send a cover letter as an attachment?.
The employer may restrict emails that contain attachments. This can be a function of their email spam or junk mail filtering system.
What is a cover letter in an email?
An email cover letter is a quick email that includes some personal information and the justification for delivering your resume.
Unless an employer specifically requests that you include them in the email body, send your cover letter and resume as separate attachments. Create a sincere cover letter every time, and attach it to the email.
Hence, the significance of the e-mail is aforementioned.
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In june, a client buys 100 shares of xyz corporation at $27 per share and writes an xyz october 30 call at a $3 premium. the trade is executed in a cash account. what is the breakeven point for the writer
The breakeven point for the writer on the share trading is equal to $24.
The third option is the correct answer.
What is a breakeven point?A breakeven point is a situation where the company earns no profit and no loss amount in the Cost-Volume-Profit (CVP) analysis.
Given values:
Share price: $27
Premium per share: $3
Computation of breakeven point:
[tex]\rm\ Breakeven \rm\ point = \rm\ Share \rm\ price - \rm\ Premium \rm\ per \rm\ share\\\rm\ Breakeven \rm\ point = \$27 - \$3\\\rm\ Breakeven \rm\ point = \$24[/tex]
Question's missing part:
The options are as follows:
1) $33
2) $30
3) $24
4) $33
Therefore, the point where the shares are breakeven is $24.
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what term do economists use to refer to the minimum amount that investors must earn on the funds they invest in a firm, expressed as a percentage of the amount invested?
The term economists use to refer to the minimum amount that investors must earn on the funds they invest in a firm is Normal Rate of Return. This is further explained below.
What is the Normal Rate of Return?
Generally, the Normal Rate of Return is simply defined as the average rate at which companies in the same industry as yours are able to turn a profit under typical conditions.
In conclusion, Economists use the phrase normal rate of return to refer to the minimum rate of return required by investors on their capital in a certain company.
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_______ can run and climb stairs when holding someones hand or a rail. Classroom summary. Screening tools. Gross motor. Infants. Preschoolers. Toddlers. I will mark brianlest
Answer:
preschoolers
Explanation:
At this stage their balance has improved, they are more coordinated, and tend to focus more on where they are going (steps taken)
Between 1986 and 2018, the top marginal personal income tax rate was 40 percent or less compared to 70 percent or more prior to 1981. Compared to the earlier time period, in recent years the share of personal income taxes paid by high income taxpayers a. has been virtually unchanged. b. has been lower. c. has been higher. d. increased in the late 1980s, but has been falling ever since.
When compared to the earlier time period, the share of income paid as taxes by high income earners b. has been lower.
How has the percentage of income tax paid changed?Before 1981, high earners could pay as much as 70% of their earnings as taxes to the government.
Since 1986 however, high earners have not paid more than 40% of their earnings which shows that they are paying percentages on their income.
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As you get older, a Target Date Fund will adjust
by...
a.
Slightly decreasing your stocks and
holding your bonds the same.
b.
Decreasing your stocks and increasing
your bonds.
c.
Increasing your stocks and decreasing
your bonds.
d.
Holding your stocks the same and
slightly increasing your bonds.
The target Date fund will adjust by holding your stocks the same and slightly increasing your bonds. Therefore the correct option is (D).
What is Target-date funds ?Target-date funds are the funds which increases the assets for the specific time period. It is also known as exchange traded funds. Thus it is an life cycle fund wherein the allocation of the portfolio gradually becomes more cautious.
The Target Date fund will adjust by holding your stocks the same and slightly increasing your bonds. Therefore the correct option is (D).
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URGENT! HELP NOW PLEASE! If it was possible for one company to gain ownership control all of the uranium processing plants in the US, then O they will strive to reach efficiencies only they know how to make. Othat firm could set up barriers to entry to discourage competition. Ogovernment will deregulate to ensure the company's monopoly O the factors of market demand and supply will set the price.
If it was possible for one company to gain ownership control of all the uranium processing plants in the US, then that firm could set up barriers to entry to discourage competition.
What are barriers to entry?When there are difficulties in entry in the market for the sellers in a particular industry due to the dominant position of a firm, and other added factors, then such factors are known as the barriers to entry.
Hence, option B holds true regarding barriers to entry.
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As a recent college graduate, Eli started working for an export trading company. His job has already taken him around the globe on several occasions. He was amazed to see the difference in working conditions in the developing nations he visited, as opposed to similar operations in the United States. The expectations of workers were not the same. Eli's experience is an example of
Eli's experience of the differences in the working conditions in the developing nations with the United States is an example of (B) social responsibility differences between similar firms, but in different countries.
What is corporate social responsibility?Corporate social responsibility refers to the approach adopted by entities to respond to social justice in their environments.
Entities engage in corporate social responsibility in four major areas:
Environmental ResponsibilityEthical ResponsibilityPhilanthropic ResponsibilityEconomic Responsibility.Question Completion with Answer Options:(A) corporate philanthropy differences in different countries.
(B) social responsibility differences between similar firms, but in different countries.
(C) the difference in corporate social initiatives in foreign nations.
(D) the need for whistleblowers abroad.
Thus, Eli's experience of the differences in the working conditions in the developing nations with the United States is an example of (B) social responsibility differences between similar firms, but in different countries.
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Management should select the depreciation method that
When it comes to selecting a depreciation method, management should select on that D. best measures the plant asset's contribution to revenue over its useful life.
Which depreciation method should be picked?Different companies use the same equipment in different ways and for that reason, depreciation cannot be the same.
The company needs to pick a depreciation method that takes the contribution of the equipment to its specific type of business and the revenue that is brought in.
Options include:
a. has been used most often in the past by the company.
b. best measures the plant asset's market value over its useful life.
c. is easiest to apply.
d. best measures the plant asset's contribution to revenue over its useful life.
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After World War II, the United States set out to infuse the ideal of capitalism throughout as much of the world as possible. As a result, most of the noncommunist economies in the world Multiple Choice failed. stagnated. quickly matched the U.S. economy. faced high inflation rates. grew significantly.
Most of the non-communist economies in the world grew significantly as a result of the U.S. infusion of ideal of capitalism.
What is the ideal of capitalism?The ideal involves the spread of free market practices that allows citizen to determine the demand and supply in market with little or no government intervention.
Hence, the non-communist economies in the world grew significantly as a result of the U.S. infusion of ideal of capitalism.
Therefore, the Option D is correct.
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Because a project requires resources, often from various areas, many projects cross ____ or other boundaries to achieve their unique purposes
Because a project requires resources, often from various areas, many projects cross-departmental or other boundaries to achieve their unique purposes. This is further explained below.
What is a department?Generally, a specialized department inside a larger institution (governmental, academic, or commercial) focuses on one area of focus.
In conclusion, For many initiatives to succeed, it is necessary to pool resources from different departments or even other organizations.
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The market price of airline flights increased recently. Some economists suggest that the price increased because jet fuel is much more expensive than before. As a result, they believe that, in the market for flights: a. demand decreased. b. supply increased. c. demand increased. d. supply decreased.
The economists evaluating the price increase in airline flight price most likely believe that a. demand decreased.
Why do economists believe that demand decreased?The law of demand says that people will demand more of a good when the price is lower and vice versa.
This means that with the rise in the market price of airline flights, there will be a drop in demand.
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