A major focus of the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) was to identify and suppress discrimination against neighborhoods on the basis of demographics, a practice called Community reinvestment act.
What is community reinvestment act?This is an Act passed in to law to help reduce that discrimination that often occur among the low income individual and the high class individual in a particular environment.
Therefore, A major focus of the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) was to identify and suppress discrimination against neighborhoods on the basis of demographics, a practice called Community reinvestment act.
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John has $10,000 in debt with discover, $4,000 in debt with chase, $9,000 in debt with citi bank, and $3,000 in debt with wells fargo, giving him a total debt of $26,000. what percentage of john's total debt is with discover
The percentage of John's debts with discover is [tex]38.46%[/tex], by using percentage calculation.
Given,
John's total debt:
$10,000 with discover$4,000 with chase $9,000 with Citi bank$3,000 with wells FargoTotal debt of John is $26,000, to calculate his Percentage of debt with discover, we need to add all the debts and then calculate how much percentage is 10,000 of 26000.
Calculation is as follows:
[tex]10000/26000*100=38.46[/tex]
Hence, The percentage of John's debts with discover is [tex]38.46%[/tex][tex]%[/tex], by using percentage calculation.
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Decades ago, developing and implementing the "right" marketing strategy was all about _________________ . In today's economy, however that emphasis has shifted to developing strategies that attract and retain customers over the long term.
In decades past, the development and implementation of marketing strategy was about b.creating a large number of transactions in order to maximize a firm's market share.
What was the focus of marketing strategy in the past?Companies wanted to increase the number of sales transactions they had as they believed it would lead to a higher market share.
These days however, companies try to retain their customers over the long term so they can have a sustainable revenue base.
Options for this question are:
a.aggressive selling in order to maximize sales volume.
b.creating a large number of transactions in order to maximize a firm's market share.
c.making products of moderate quality that could be sold at the lowest price possible.
d.conducting extensive research to discover customer needs.
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Shanice got her real estate license just in time to help her father sell the condo they jointly own in Harbor East in Baltimore. Even better, another agent in her brokerage found a buyer, so they were able to keep the commission within the brokerage. Shanice made sure that both parties were fully aware of and consented to the dual agency arrangement in writing. What is Shanice forgetting
She forgot to disclose that she has an ownership interest in the property.
A real estate licensee has a responsibility to make all material facts known to all parties, including their principal and the firm's client. Any circumstance that might influence both a seller's and a buyer's willingness to sell or acquire the property is considered a substantial fact.
What are the tips to be a good real estate agent?Decide to engage in proactive client communication. When you receive any important news, whether it's good or negative, you should try your best to let them know as soon as possible.
Empathy is a crucial skill for practically anyone working in support. It enables you to put yourself in another person's position so you may better comprehend and value their viewpoint.
Asking them is the best method to learn what they desire. Ask your client questions, pay close attention to what they say, and continually expand on the knowledge you've already offered.
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The LM curve is steeper the ______ the interest sensitivity of money demand and the ______ the effect of income on money demand. (This is a difficult question. If you do not have the answer, pls try your best guess, considering also going by elimination. Hint: Draw two LM curves with different slopes, one flatter and one steeper, and then compare the interest rate change for a given IS shift at the initial income level and the income change for the same IS shift at the initial interest rate level). a. greater; greater b. greater; smaller c. smaller; smaller d. smaller; greater
The correct option is, (d) smaller, greater.
The LM curve is steeper the smaller the interest sensitivity of money demand and the greater the effect of income on money demand.What does a steeper LM curve mean?The LM curve will be steeper if the income-elasticity of the demand for money is higher and the interest-elasticity is lower. The LM curve is virtually vertical when the demand for money is generally indifferent to the interest rate.What causes the LM curve to shift?The LM curve shifts right as a result of monetary stimulation, or boosting the money supply, leading to higher output and lower interest rates.The IS curve is shifted to the right by fiscal stimulus, or boosting government spending and/or lowering taxes, which raises interest rates while driving up output.What is income sensitivity of money demand?The greater the interest rate, as the minus sign suggests, the more likely people are to invest their money rather than have it available for consumption. The income sensitivity of real money demand and the interest sensitivity of real money demand are the two variables that are regulated by sensitivity coefficients.Learn more about LM curve here:
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Assume that real gdp has been declining and the unemployment rate has been edging upward. What might the congress and the president do about this problem?
If Real GDP has been declining and unemployment is rising, the President and Congress might lower taxes and increase government spending.
How can the government combat a fall in Real GDP?A fall in Real GDP means that the economy is no longer producing as much as it used to.
To reverse this, the government can embark on an expansionary fiscal policy where taxes are reduced and spending is increased. This in theory, would spur more production.
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The conversion privilege allows investors to switch from one mutual fund to another within a: Group of answer choices management group. fund family. brokerage group. switched fund. convenience group.
The conversion privilege allows investors to switch from one mutual fund to another within a fund family.
A mutual fund investor's conversion privilege is the ability to shift money between various portfolios provided by the same mutual fund family without incurring another sales charge.
Most mutual fund providers will provide investors with the ability to transfer money across the fund's various holdings.
As their investing objectives change or market conditions change, investors may desire to move money to portfolios with alternative investment objectives. Selling and buying portfolios at the NAV will trigger a taxable event for the investor.
Therefore, the correct option is fund family.
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In the screening and evaluation stage of the new-product process, the internal approach consists of a firm's employees evaluating Blank______.
In the screening and evaluation stage of the new-product process, the internal approach consists of a firm's employees evaluating the technical feasibility of a proposed product idea.
What is screening and evaluation stage?
screening and evaluation stage of the new-product process, involves careful analysis of the product so as to know thefeasibility in the market.
In this case, this stage, brings about firm's employees evaluating the technical feasibility of a proposed product idea.
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Answer: Continuous
Explanation:
true or false: if prices change in a way that leaves the overall price level unchanged, then no one is made better or worse off.
It is false that If prices change in a way that leaves the overall price level unchanged, then no one is made better or worse off.
What is a relative price?A relative price can be described as the ratio of two prices or the price of a good or service in relation to another.
In general, when prices change relative to one another, some people do better and others do worse, even while the total level of prices remains the same.
Therefore, it is false that no one benefits or suffers when prices fluctuate in a way that keeps the total level of prices constant.
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Appropriate and effective marketing metrics must be designed to identify, track, evaluate, and provide key benchmarks for improvement. In the context of change drivers affecting the future of marketing, this reflects the
Marketing metrics change with campaign preferences and generational attitudes.
What is marketing?
The practice of a business of promoting the purchase and sale of goods and services is referred to as "marketing." Promotion, publicity, and advertising make up marketing.
Marketers can track marketing analytics to gauge the effectiveness of their campaigns.
Marketing offers a measurable means of keeping track of progress and gauging efficiency.
As a result, shift in generational values and preferences.
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The invisible hand concept suggests that Multiple Choice market failures imply the need for a national economic plan. big businesses are inherently more efficient than small businesses. assuming competition, private and public interests will coincide. the competitiveness of a capitalistic market economy invariably diminishes over time.
The invisible hand concept says that assuming competition, private and public interests will coincide.
What does the invisible hand concept call for?It believes that in order for a society to be well off, there has to be competition between firms.
This competition would lead to increased production which will take care of the country better. This would coincide with the public interest of taking care of citizens.
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Anne and Bill are two of the most effective salespeople at XYZ Corporation in terms of average revenue per customer. Bill tends to increase revenue per customer through upselling, while Anne is more likely to increase revenue per customer through cross-selling. Although both approaches are effective with existing customers, cross-selling is more likely that upselling to:
Although upselling and cross-selling are effective with existing customers, cross-selling is more likely than upselling to A. improve customer retention rate.
What is customer retention?Customer retention refers to the ability of an organization or marketer to achieve customer loyalty over time.
When a customer is retained, there is always increased revenue from repeat purchases.
Customer retention increases brand loyalty.
Question Completion with Answer Options:
A. improve customer retention rate.
B. satisfy customer needs
C. provide the information necessary to diagnose reasons for customer defection.
D. increase customer profitability.
Thus, although upselling and cross-selling are effective with existing customers, cross-selling is more likely than upselling to A. improve customer retention rate.
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In the absence of taxes, the value of a firm is the same with debt financing as it is with equity financing because Blank______. Multiple select question. equity financing is actually better than debt financing debt financing is actually better than equity financing MM demonstrated that debt financing is neither better nor worse than equity financing in the absence of taxes the asset to be financed is the same
Debt financing is the process through which a business sells debt instruments to retail and/or institutional investors in order to raise funds for working capital or capital expenditures. The people or organizations receiving the funds become creditors and are given the assurance that the principal and interest on the loan will be paid back. The other method of raising money in the debt markets is by issuing stock in a public offering; this process is known as equity financing.
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Suppose the equilibrium price for soft drinks is $1.50 but the current price in the soft drink market is $1.25 for each soft drink. This implies that
Suppose the equilibrium price for soft drinks is $1.50 but the current price in the soft drink market is $1.25 for each soft drink. This implies that there will be surplus of soft drink .
What is supposed through Market Equilibrium?
Equilibrium is the nation wherein marketplace deliver and call for stability every other, and as a end result costs turn out to be stable. Generally, an over-deliver of products or offerings reasons costs to head down, which leads to better call for—at the same time as an under-deliver or scarcity reasons costs to head up ensuing in much less call for.
A surplus exists whilst the charge is above equilibrium, which inspires dealers to decrease their costs to remove the surplus.
How do you calculate Market Surplus at Equilibrium?
Total marketplace surplus may be calculated as overall blessings – overall expenses. Alternatively, we are able to calculate the region among our marginal advantage and marginal cost, restricted through quantity. This is the equal of locating the distinction among the marginal blessings and the marginal expenses at every stage of production.
Your question is incomplete, but most probably your full question was:
Suppose the equilibrium price for soft drinks is $1.50 but the current price in the soft drink market is $1.25 for each soft drink. This implies that:
A. there will be a surplus of soft drinks.
B. there will be a shortage of soft drinks.
C. the demand curve for soft drinks will shift leftward.
D. the supply curve of soft drinks will shift leftward
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CAT is an online forum where professionals who work with Caterpillar equipment and engines can exchange ideas and information, find answers, and get expert advice from their peers. To help members get the most out of the community, CAT members offer feedback and suggestions. All of the following are true about online simultaneous product development EXCEPT that the internet _______. a. allows for input from multiple partners b. does not allow for assessing new products c. allows for input from a variety of locations d. offers a variety of R
CAT is online forum for professionals who work with Caterpillar equipment and engines can exchange ideas and information where the internet "does not allow for assessing new products".
What is Classroom Assessment Techniques (CAT)?Teachers utilise classroom assessment techniques, sometimes known as CATs, to determine how well their students are understanding important concepts during a lesson or a course. The methods are intended to be a kind of formative assessment that also enables teachers to modify a lesson based on the requirements of pupils.
The advantages of using classroom assessment techniques are-
The focus on student learning is aided by classroom assessment for teachers. In order to address the needs of that group in terms of learning, teachers can better focus the class by identifying what the students have understood and what is unclear. This can include going over some topics again or devoting less time to others.To know more about formative assessment, here
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When will the Social Security fund dry up at Its current level?
• A.
2022
© B.
2027
• C
2037
© D. 2097
© E. 2117
Answer:
c. 2037
Explanation:
As a result of changes to Social Security enacted in 1983, benefits are now expected to be payable in full on a timely basis until 2037, when the trust fund reserves are projected to become exhausted.
What do we call risks in the absence of controls and after controls have been implemented?.
Risk that exists both before and after controls have been put in place is known as inherent risk.
What is risk?
The term "risk" refers to degree of unfortunately and possibility of loss, injury and hazard. Risk is barrier in the organization.
The various risk levels in a process that have not been regulated or mitigated by risk management are referred to as inherent risk. The level of risk present even in the absence of safeguards is known as inherent risk.
As a result, Inherent risk is risk in the absence of controls and after controls have been implemented.
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which type of bond is certain to provide a capital loss if held to maturity?
[tex]\sf \colorbox{aqua}{Answer}[/tex]
[tex] \sf \color{blue}{Premium Bond}[/tex]
The answer is: Premium Bond
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-
Descriptive, Predictive and Prescriptive analytics.Learn more about Prescriptive Analytics, here
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A general partner who puts together the administrative organization of the limited partnership and handles the registration of the securities with the states is known as the
Limited partner.
What is a Limited partner?A limited partner is a shareholder whose liability for the company's debts is limited to the amount they contributed to the business. Silent partners are another name for limited partners.What is Limited Partnership?Similar to a general partnership, a limited partnership (LP) must have at least one general partner (GP) and at least one limited partner, as opposed to the minimum requirement of two GPs for general partnerships. Different from limited liability partnerships, which only have limited liability for each participant, are limited partnerships.The GPs are, in most significant ways, in the same legal position as partners in a traditional firm: they have management control, share the right to use partnership property, divide the firm's profits into fixed shares, and have joint and several liabilities for the partnership's obligations.Therefore, the answer is a limited partner.
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Governments use tariffs in order to:
A. increase the cost of products imported from foreign countries.
B. promote completely free trade in all countries around the world.
C. invest government funds into a struggling domestic industry.
D. agree on the conditions of trade with another country.
PLEASE HELP :’)
Answer:Why do governments impose tariffs?
To protect newly established industries from total and premature collapse, the imposition of tax has to be made to curtail excessive demand for foreign-made goods.
Explanation:
Governments use tariffs in order to increase the cost of products imported from foreign countries. Thus the correct option is A.
What is Government?The government is referred to as an administrative body that helps to perform the function of the country by maintaining peace and order and implementing rules and laws described in the constitution and working for the welfare of its citizens.
If there were significant tariffs, the US would become less dependent on imports. By exploiting the significance of tariffs and raising taxes on imported items, domestic goods are given preference.
Tariffs is referred to taxes applied on imported goods that increase the cost of foreign goods in the country. Due to high price of foreign goods customer shift to domestic goods which helps in improving the economy.
Therefore, option A is appropriate.
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What is cyberbullying? Why does it happen so often?
Answer:
Cyberbullying happens for many of the same reasons as any other type of bullying, but it may be even more appealing because it can be done anonymously. two kinds of people who are likely to bully: those who are popular and those who are on the social fringes.
Popular kids or teens may bully because:
They see it as a way to stay popular.
Hurting others makes them feel powerful.
Kids or teens who are less socially successful may bully because:
It helps them cope with their own low self-esteem.
They think it will help them fit in with their peers.
They have trouble empathizing with those they hurt.
In the 1990s __________ cost the United States between $42.3 billion and $47 billion in direct and indirect costs (about 30% of the nation's total mental health bill).
In the 1990s anxiety disorders cost the United States between $42.3 billion and $47 billion in direct and indirect costs (about 30% of the nation's total mental health bill).
What is anxiety disorder?This type of disorder is the one that is known to affect the mental health of a person.
This disorder typically makes it very difficult for sufferers to go through their day.
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If you are recording your own audio clips, what is the best advice about
including a joke in a clip?
A. Effective speakers rarely include jokes in presentations.
B. It can help increase audience members' interest.
C. Jokes are not appropriate in persuasive addresses.
D. Jokes are appropriate, but only if the topic is humor
Answer:
B
Explanation:
As long as the joke is good
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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what factors played a role in america's economic stagnation
The factors that played a role in America's economic stagnation are the:
Replacement of human labor with machinesThe oil boom in foreign marketsWhat was the stagnation about?In the 1970s America suffered a major economic blow that led to the increase in prices of commodities and the increase in unemployment.
The increase in unemployment can be attributed to the advent of machines that were beginning to greatly displace human labor. Oil boom in foreign markets was another cause of the economic crisis.
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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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The graph of f(x) = x2 is translated to form
g(x) = (x – 2)2 – 3.
A parabola opens up. It goes through (0, 1), has a vertex at (2, negative 3), and goes through (4, 1).
What is graph?
A network can be mathematically represented as a graph, which shows the connections between the lines and the points.
Figure represents graph of f(x) =[tex]x^{2}[/tex] and g(x) =(x-[tex]2)^{2}[/tex] —3
The X-axis shift is represented by the new function g(x) = f(x—c) and The Curve is moved c units along the right side of the X-axis in the f(x) graph.
The new Y-axis shift function is represented by g(x) = f(x) + b. The curve is moved b units along the Y-upward axis's direction in the graph of f(x).
If you look at the graphic, you can see that the vertex of f(x) has its X-axis and Y-axis displaced by 2 units and 3 units, respectively, to produce the value g(x)
Now, g(x) = (x-[tex]2)^{2}[/tex] —3 = f(x-2) + (-3)
Therefore, the new vertex we get is (2,-3)
g(0) = (0-[tex]2)^{2}[/tex] —3
g(0) = 4-3
g (0) = 1
As a result, g(x) passes through (0,1)
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Ilene rents a property for the entire year. During the year, Ilene reported a net loss of $15,000 from the rental. If Ilene is an active participant in the rental and her AGI is $140,000, how much of the loss can she deduct against ordinary income in the year
The loss can she deduct against ordinary income in the year is $5000.
How to calculate the loss?AGI = $140000
Less: Allowable limit = $100000
Excess = $40000
50% of excess = $20000
Less: Net loss = $15000
Loss deduction = $5000
Therefore, the loss can she deduct against ordinary income in the year is $5000.
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With regard to promoting standards of excellence, LaFasto and Larson (2001) identified three Rs that help improve performance: require results, review results, and ______.
The 3 Rs that LaFasto and Larson (2001) identified as imporant to improve performance includes:
require resultreview resultreward resultWho is LaFasto and Carl Larson?These are economist that explored the performance question for more than 20 year and also proposed a model called "Five Dynamics of Teamwork and Collaboration.
In conclusion, the 3 Rs that LaFasto and Larson (2001) identified as important to improve performance includes require result, review result and reward result.
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short notes on audit and auditor
Answer:
Audit
Audit is the examination or inspection of various books of accounts by an auditor followed by physical checking of inventory to make sure that all departments are following documented system of recording transactions.
Auditor
An auditor is a person authorized to review and verify the accuracy of financial records and ensure that companies comply with tax laws.
