It operates under the premise that individuals will decide to optimise pleasure and reduce pain. In other words, individuals will act in a way that yields the best result or reward.
In California, PMI has decreased the standards for conforming loan amounts to include a minimum credit score of 700, a maximum debt-to-income ratio of 45%, and a maximum loan-to-value (LTV) ratio of 90% for single-family homes and condominiums.
A loan servicer must immediately cancel a PMI coverage in accordance with the Homeowners Protection Act when "the principal balance of the mortgage is first scheduled to reach 78 percent of the original value." The borrower must be current on their mortgage payments, it continues to state.
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Willingness to pay Group of answer choices measures the value that a buyer places on a good. is the amount a seller actually receives for a good minus the minimum amount the seller is willing to accept. is the maximum amount a buyer is willing to pay minus the minimum amount a seller is willing to accept. is the amount a buyer is willing to pay for a good minus the amount the buyer actually pays for it.
Answer:
measures the value that a buyer places on a good.
Explanation:
A product can be defined as any physical object or material that typically satisfy and meets the demands, needs or wants of customers. Some examples of a product are mobile phones, television, microphone, microwave oven, bread, pencil, freezer, beverages, soft drinks, etc.
Willingness to pay measures the value that a buyer places on a good or product. Thus, when this value is high, the customer would ultimately buy a product and vice-versa.
If a firm belives tht some of its debtors may default and it should act on this by making sure tht all possible losses are recorded in the books this is an example of which concept
Answer: Conservatism
Explanation: The conservatism concept can be ncept may be explained as an accounting principle which ensures that an organization tends to be very careful in handling its finances, with the conservatism concept, financial management often lean towards an approach which tends to play down future gains and concentrate more on potential chances of losses in the future. With such approach the organization tends to be very prudent in its financial management. In other words, conservatism shifts toward a tendency to understate its asset or income rather than overstate its asset.
the company has the following beginning balances in its stockholders' equity accounts on january 1, year 1: common stock, $100,000; additional paid-in capital, $4,700,000; and retained earnings, $2,200,000. net income for the year ended december 31, year 1, is $620,000. required: prepare the stockholders' equity section of the balance sheet for the company as of december 31, year 1. (amounts to be deducted should be indicated by a minus sign.)
The stockholders' equity section of the balance sheet shows the total value of the company's assets that are owned by the shareholders. In order to prepare the stockholders' equity section of the balance sheet as of December 31, Year 1, we need to take into account the beginning balances in the stockholders' equity accounts and the net income earned during the year.
The stockholders' equity section of the balance sheet for the company as of December 31, Year 1, would be as follows:
Common Stock: $100,000
Additional Paid-in Capital: $4,700,000
Retained Earnings: $2,820,000 ($2,200,000 beginning balance + $620,000 net income)
Total Stockholders' Equity: $7,620,000
The common stock and additional paid-in capital accounts remain the same as they are not affected by net income. However, the retained earnings account has increased by the net income earned during the year. This means that the total stockholders' equity has increased by $620,000.
In summary, the stockholders' equity section of the balance sheet reflects the beginning balances of the common stock, additional paid-in capital, and retained earnings accounts, as well as any changes in these accounts during the year, such as net income.
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krysta wants to take piano lessons. she asked a teacher how many new pieces she could expect to learn each month. the teacher gave an estimate of 3. write an equation that shows how the total number of pieces krysta would learn, y, depends on the number of months of piano lessons, x.
The required equation is y = 3x which represents the total number of pieces Krysta would learn, where x months of piano lessons.
What is the Linear equation?A linear equation is defined as an equation in which the highest power of the variable is always one.
Krysta wants to learn to play the piano. She inquired with an instructor about the number of new pieces she could anticipate studying each month. The teacher estimated three.
Let y represent the total number of pieces Krysta would learn,
And x represent depends on the number of months of piano lessons,
According to the given situation, we can write the equation would be as:
⇒ y = 3x
Therefore, the required equation is y = 3x which represents the total number of pieces Krysta would learn.
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describe at lease four ways you can take money out of a checking account
Answer:
Write a check, withdraw by automatic electronic transfer, ATM card, debit card, and or talk to the bank directly about withdrawing money.
Explanation:
Write out a check: make sure you add the name as well as the amount
withdraw by automatic electronic transfer: look into getting an app
Atm: Go to your local ATM
Debit Card/Credit Card: spend what you need to via those
directly: prove your identiy via account number and withdraw
1. What is the difference between traditional
and market economy?
A traditional economy is based on customs, beliefs, and traditions passed down through generations, where the production and distribution of goods and services are based on what has been done in the past. In contrast, a market economy is based on supply and demand, with prices set through negotiation between buyers and sellers in the marketplace. The production and distribution of goods and services in a market economy are determined by consumer preferences and the laws of supply and demand. In a traditional economy, economic decisions are made by the community or tribal leaders, while in a market economy, individuals make economic decisions based on their own self-interest. Overall, the key difference between traditional and market economies is the way economic decisions are made and the role of customs and traditions in shaping the economy.
Describe Gene Regulation in terms of how a car factory might control the production of various car models. Include information about the checkpoints in the process and how they dictate the outcome. Explain why having these checkpoints is important for the regulation process.
Gene regulation refers to the processes that control the expression of genes. In terms of a car factory, gene regulation can be compared to how the production of different car models is controlled through checkpoints and other mechanisms.
Checkpoints in gene regulation act like quality control checkpoints in a car factory. Just like how a car factory checks the quality of each car at different stages of production to ensure that each car meets the desired specifications, cells also have checkpoints in place to ensure that gene expression is accurate and regulated.
These checkpoints occur at various stages in the process of gene expression, including transcription, RNA processing, and translation. During transcription, the DNA is transcribed into RNA, and this process is controlled by transcription factors. These factors act like foremen in a car factory, dictating the production of different car models.
RNA processing involves the editing of RNA molecules, which are then transported from the nucleus to the cytoplasm, where they are translated into proteins. The checkpoints in this process ensure that only correctly edited RNA molecules are transported to the cytoplasm for translation.
Translation involves the conversion of RNA molecules into proteins. The checkpoints in this process ensure that only correctly translated proteins are produced, and that the proteins are produced in the correct quantities.
Gene regulation is essential because it ensures that genes are expressed in the correct cells and at the correct time, and that the resulting proteins are produced in the correct amounts. This regulation is necessary because errors in gene expression can lead to a wide range of diseases and disorders.
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How do the events of the nation affect the national debt?
Answer: Growing debt has a direct effect on economic growth and the opportunities available to every individual in the country. If excessive levels of debt crowd out private or public or mutual investments in capital goods or works, workers would have less to use and get from their jobs, which would translate to lower productivity work and, therefore, lower wages in multiple aspects of the country's work done. High levels of debt would affect many other aspects of the economy in the future. For eq, higher interest rates result from increased borrowing from multiple agencies and invite under the various segments of college education house loan work loan. Less education and work opportunities will need skills up for various degrees and work to be followed under any scheme.
Explanation:
If we fail to act before a stipulated time the long time fiscal challenges will remain unaddressed and unchanged. The economic crisis and the overall economic environment weaken as confidence suffers, the access to capital funds gets reduced, interest costs crowd out key investments in our future, the conditions for growth deteriorate, and our nation is put at greater risk of economic crisis. If our long-term fiscal imbalance is not addressed, our future economy will be minimized, with fewer economic opportunities for families and workers down there in their own country.Which is an example of a small business showing social responsibility to individuals within the company?
A. starting an office recycling program
B. developing sustainable business practice
C. donating money to local organizations
D. allowing employees to work from home
Starting an office recycling program, developing sustainable business practice and donating money to local organizations are examples of a small business showing social responsibility to individuals within the company.
Company have a social responsibility to the communities in which they operate. This includes ensuring that they are good corporate citizens, providing support for local causes and charities, and protecting the environment.
Sustainable business is a term that is often used to describe businesses that are environmentally friendly or that have a positive social impact.
Hence, the correct options are "A, B & C".
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Do you think drinking water can development of a country? help in the
Answer:
no because you need a lot more to a country then water.
Hope This Helped
How are credit card companies training employees differently in order to convince debtors to pay their balances in this economy?
Answer:
train their employees on giving the debtors a hard time
Explanation:
The credit card companies are beginning to train their employees on giving the debtors a hard time and to constantly contact/harass them. By doing so they believe this will persuade the debtors into paying off their balances as the debtors will feel pressured into it for fear of the consequences that may arise from being late or not paying off the debt at all.
Answer: By educating them of the consequences of a married debt
Explanation:
Companies are training their employees to be able to convince debtors by telling debtors the grievance take of not paying or balancing their debt, they also teach them that an incurred debt would hinder a future loan collection from a bank or financial organization as the firm would see you incapable of clearing your existing loans, also they teach them to be persistent in their follow up system.
when planning a trip and making a decision to drive or take the train, the cost of car repairs and maintenance is a(n)
The cost of car repairs and maintenance is a relevant when planning a trip and making a decision to drive or take the train
The phrase "relevant cost" in managerial accounting refers to avoidable costs that are only incurred in connection with specific business activity. In order to eliminate unnecessary information that can make judgments harder, the concept of relevant cost is used. Consider the decision of whether to sell or keep a company unit using relevant cost as an example.
A sunk cost is the antithesis of a relevant cost; it has already been paid for regardless of how the current choice turns out.
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HELPP! In 2011 the United States economy had a GDP of $14,991 billion according to the United Nations. If consumption was $10,729 billion, government spending was $2,594 billion, and net exports was -$568 billion, how much was investment spending?
The total amount of the investment spending is $2,236 billion.
What is an investment spending?An investment spending means the private domestic investment or capital expenditures.
The formula for Investment spending is I = GDP − C − G − NX.
Investment spending = $14,991 billion - $10,729 billion - $2,594 billion - (-$568 billion)
Investment spending = $14,991 billion - $10,729 billion - $2,594 billion + $568 billion
Investment spending = $2,236 billion.
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what effect will a sudden increase in the volatility of gold prices have on interest rates?
The increased volatility of gold prices makes bonds relatively less risky relative to gold and causes the demand for bonds to increase and interest rates fall.
Supply and demand, interest rates (and expectations for interest rates), and investor behavior with regard to risk all influence the price of gold. Although it sounds straightforward, the way those elements interact is occasionally perplexing. For instance, a lot of investors view gold as a hedge against inflation.
Given that paper money loses value as more is issued but gold's supply remains fairly stable, this has some element of realism. The link between gold and inflation is, however, at best tenuous. The short-term performance of gold is much better predicted by interest rates and overall market volatility.
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What are the key qualities required for an individual starting a new business?
The key qualities required for starting a new business are ambition, resilience, and financial management skills.
Ambition is essential in order to have the drive and determination to start and manage a business. Resilience is also important, as it helps to face the challenges that come with running a business and to remain focused on the main goal.
Financial management skills are also essential, as this help to understand the finances of the business, budget properly, and make informed decisions.
Furthermore, good communication and networking skills are essential in order to create business relationships, and marketing skills help to create an effective presence in the market and attract customers.
Additionally, problem-solving and decision-making skills are important to help deal with the issues that may arise in a business. Finally, the ability to stay organized and prioritize tasks is necessary to ensure that all tasks are completed in a timely manner.
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Grace's hourly salary is $16. If grace works more than 40 hours a week, then Grace gets overtime pay at 1 and 1/2 times the regular hourly rate for each hour worked over 40 hours. Last week, Grace worked 42 hours. What was the total pay last week? *
Answer:
The correct answer is $688
Explanation:
According to the given scenario, the calculation of total pay last week is as follows:
Total hours worked is 42 hours out of which normal hours is 40 and 2 hours is overtime
So,
= 40 hours × $16 + 2 hours × ($16 + $16 ÷ 2)
= $640 + 2 hours × $24
= $640 + 48
= $688
hence, the total pay last week is $688
In advertising regulation, the corrective measures of cease-and-desist orders, corrective ads, and fines are intended to keep advertising honest, keep competition fair, and to protect the public.
A cease-and-desist order is an order issued by a regulatory body, such as the Federal Trade Commission (FTC) or the Advertising Standards Authority (ASA), to stop a company from engaging in an illegal or deceptive practice.
What is Commission?Commission is a fee paid to a person or business in exchange for providing a service or executing a transaction. It is typically a percentage of the total sale or transaction amount, and is most commonly paid by the seller. Commission can be earned in a variety of industries, including sales, insurance, real estate, banking, and marketing. Most commonly, commission is earned when a salesperson successfully sells a product or service to a customer. Commission can also be paid for services such as recruiting, consulting, or finding a customer for a business.
This type of action is usually taken when a company has been found to have used false or misleading advertising. Corrective ads are ads that are placed to correct a false or misleading statement that was previously made by a company in an advertisement. Fines are penalties that are imposed by a regulatory body on a company for engaging in illegal or deceptive practices.
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On March 25, 2014, Patton Company sold merchandise on account,$10,000. The applicable sales tax percentage is 8.5%. Record the transaction.
Answer:
Kindly see attached picture
Explanation:
Sales tax percentage= 8.5%
Sales = 10,000
Sales tax payable = 0.085 × 10000 = 850
Accounts payable = 10000 + 850 = 10850
Kindly see attached picture for journal entry
What is the effect of import restrictions on prices? They often cause prices to rise steeply and then drop. They cause prices to rise. They cause prices to drop. They usually do not have any lasting effect on price.
Answer:
They cause prices to rise.
Transparency and
Accountability are two important concepts of corporate governance.
Cite an instance in each concept."
Transparency and accountability are two crucial pillars of corporate governance that promote trust and integrity within organizations.
An instance of transparency in corporate governance can be observed when a publicly traded company releases its financial statements and makes them accessible to its shareholders and the general public. By providing detailed and accurate information about their financial performance, including revenues, expenses, and profit margins, the company demonstrates transparency and enables stakeholders to make informed decisions.
On the other hand, an example of accountability in corporate governance can be seen when a company's board of directors takes responsibility for their actions and decisions. This can be seen in cases where a board conducts thorough investigations into allegations of misconduct or unethical behavior within the organization. By holding individuals accountable and taking appropriate measures to address any wrongdoing, the board demonstrates its commitment to upholding high standards of accountability.
Overall, both transparency and accountability play vital roles in ensuring the ethical and responsible conduct of corporations, fostering trust among stakeholders, and contributing to a healthy business environment.
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Jason is a technician at Johns Hopkins Hospital and earns $19.84 an hour. His boss informed him that he can earn time and a half (1.5) for all hours he works over his regular 40 hours. This week he worked 51 hours. What will be his gross pay for the week?
Answer:
$1120.96
Explanation:
19.84 x 40 = 793.60
19.84 x 1.5 = 29.76 x 11 = 327.36
793.60 + 327.36 = 1120.96
Which statement best explains why interest rates are impprtant when saving money? A lower interest rate allows someone's debt to grow more quickly The higher the interest rate the more cost to save money in a bank The higher the interest rate helps someone's money grow larger over time The lower the interest rate, the less it costs tk save money in a bank
Answer:
The higher the interest rate helps someone's money grow larger over time
Explanation:
Interest rate is the percentage earned by depositors on their deposit. For example, if a person save $200. If the interest rate is 10%, the person earns $20 on her deposit.
The higher the interest rate, the higher the growth in deposit.
For example if a bank offers a compound interest of 10% on deposit and another bank offers a compound interest of 20% on deposit. If $200 is deposited, after 3 years, the total amount that would be had in each bank is
$200 x (1.1)^3 = $266.20
$200 x (1.2)^3 = $345.60
It can be seen that the amount after 3 years is higher at the bank with the higher interest rate
Government intervention in a modern economy is useful because:__________
Government intervention in a modern economy can help promote a more equitable and efficient market system, while also providing necessary protections and stabilizing forces to ensure the health and well-being of society as a whole.
Government intervention in a modern economy is useful for several reasons:
Addressing market failures: Government intervention can help address market failures such as externalities, natural monopolies, and information asymmetries. For example, the government can regulate emissions to address negative externalities or provide public goods such as infrastructure and education.
Reducing income inequality: Government intervention can help redistribute income and wealth through taxes and social welfare programs, which can help reduce poverty and promote social mobility.
Promoting competition: Government intervention can help promote competition in markets by preventing monopolies, regulating mergers and acquisitions, and enforcing antitrust laws.
Protecting consumers and workers: Government intervention can help protect consumers and workers by enforcing consumer protection laws, regulating workplace safety, and setting minimum wage and working conditions standards.
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Around the time Adam Smith published “Wealth of Nations”, what was the economic system favored by most European elites called?
mercantilism
capitalism
communism
feudalism
Answer:
A
Explanation: Mercantilism
How does saving influence economic activity?
How does saving influence economic activity? by making more money available to be used by individuals, businesses, and the government. When the borrowed money is spent, the demand for goods and services is increased, which creates more jobs and spending for workers.
Identifying Job Application Tools
What document is used to summarize a job applicant's experience, education, and achievements?
O test score
O school transcript
O review letter
O resume
Answer:
Resume
I hope this helps! Have a good life! ✌Answer:
D - resume
Explanation:
got it correct on edge
what are some common tasks performed by Psychiatrists? (Select four options)
A administering first aid and life support care
B collaborating with other medical professionals
C maintaining patient information and records
D developing diagnostic imaging techniques
E prescribing, directing, or administering psychotherapeutic treatments or medications
F analyzing and evaluating patient data or test findings
Answer:
B, E and F and explanation I share you other thought about it
Explanation:
Psychiatrists are medical doctors who specialize in the treatment of mental health conditions. Some common tasks performed by psychiatrists include:
Conducting initial evaluations and assessments to diagnose mental health conditionsPrescribing and managing medications to treat mental health conditionsProviding individual, family, or group therapy to help patients manage their mental healthDeveloping and implementing treatment plans for patientsCollaborating with other healthcare providers to coordinate care for patientsProviding crisis intervention and support to patients experiencing mental health emergenciesConducting research to advance the field of psychiatry and improve treatment options for patients.Q3. Which of the following is the relation that the law of demand defines?
a) Income and price of a commodity
b) Price and quantity of a commodity
c) Income and quantity demanded
d) Quantity demanded and quantity supplied
Answer:
price and quantity demanded
Explanation:
law of demand sates that their exist a inverse relationship between the price of the commodity and the quantity of the commodity that will be demanded that means if the price is low then the quantity demanded by the customers will be high and if the price of the commodity is high or we can say the product price is high then the quantity demand by the customers or consumers will be less.
suppose there are two pens of price ten and twenty then the pen of price ten will be in more demand as compared to twenty and the pen which is of price of twenty will be demanded less in the market by the customers or the consumers
In today's culture, Muslims seem to be facing more discrimination than other religious groups. What seems to be a cause for this increase?
Their beliefs
Their manner of dress
The change in immigration patterns and the events of 9/11
Their religious practices
The increase in discrimination against Muslims in today's culture appears to be largely caused by the change in immigration patterns and the events of 9/11.
Following the terrorist attacks on September 11, 2001, many individuals in the United States began to associate Islam with terrorism, leading to negative attitudes and discriminatory behavior towards Muslims.
Additionally, the rise of anti-immigrant sentiment and policies has targeted Muslims and individuals from Muslim-majority countries, further exacerbating the discrimination they face. While some may argue that Muslim beliefs, manner of dress, or religious practices contribute to discrimination, the root cause appears to be a combination of societal perceptions and government policies.
Efforts to combat discrimination against Muslims involve education and awareness-raising campaigns, as well as policy changes aimed at promoting diversity, inclusion, and equal treatment for all individuals regardless of their religion.
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Below you will find the closing stock prices for eBay over a three-week period. Calculate the simple three-day and five-day moving averages for the stock. (Round your answers to 2 decimal places. Omit the "$" sign in your response.)Date Close4/23/2012 $ 37.834/24/2012 37.654/25/2012 37.254/26/2012 37.514/27/2012 36.774/30/2012 36.945/1/2012 37.015/2/2012 37.055/3/2012 37.745/4/2012 37.845/7/2012 37.775/8/2012 37.935/9/2012 38.265/10/2012 38.415/11/2012 38.243-day 5-day4/23/2012 4/24/2012 4/25/2012 $ 4/26/2012 4/27/2012 $4/30/2012 5/1/2012 5/2/2012 5/3/2012 5/4/2012 5/7/2012 5/8/2012 5/9/2012 5/10/2012 5/11/2012
To calculate the simple three-day and five-day moving averages for eBay's stock prices, we add up the closing prices for the number of days in the moving average and divide by the number of days.
The simple three-day moving averages are:
April 25th: ($37.83 + $37.65 + $37.25) / 3 = $37.58
April 26th: ($37.65 + $37.25 + $37.51) / 3 = $37.47
April 27th: ($37.25 + $37.51 + $36.77) / 3 = $37.18
April 30th: ($37.51 + $36.77 + $36.94) / 3 = $37.07
May 1st: ($36.77 + $36.94 + $37.01) / 3 = $36.91
May 2nd: ($36.94 + $37.01 + $37.05) / 3 = $37.00
May 3rd: ($37.01 + $37.05 + $37.74) / 3 = $37.27
May 4th: ($37.05 + $37.74 + $37.84) / 3 = $37.54
May 7th: ($37.74 + $37.84 + $37.77) / 3 = $37.78
May 8th: ($37.84 + $37.77 + $37.93) / 3 = $37.85
May 9th: ($37.77 + $37.93 + $38.26) / 3 = $37.98
May 10th: ($37.93 + $38.26 + $38.41) / 3 = $38.20
May 11th: ($38.26 + $38.41 + $38.24) / 3 = $38.30
The simple five-day moving averages are:April 27th: ($37.83 + $37.65 + $37.25 + $37.51 + $36.77) / 5 = $37.20
April 30th: ($37.65 + $37.25 + $37.51 + $36.77 + $36.94) / 5 = $37.14
May 1st: ($37.25 + $37.51 + $36.77 + $36.94 + $37.01) / 5 = $37.10
May 2nd: ($37.51 + $36.77 + $36.94 + $37.01 + $37.05) / 5 = $37.06
May 3rd: ($36.77 + $36.94 + $37.01 + $37.05 + $37.74) / 5 = $37.10
May 4th: ($36.94 + $37.01 + $37.05 + $37.74 + $37.84) / 5 = $37.32
May 7th: ($37.01 + $37.05 + $37.74 + $37.84 + $37.77) / 5 = $37.48
May 8th: ($37.05 + $37.74 + $37.84 + $37.77 + $37.93) / 5 = $37.87
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