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.
what does the international monetary system consist of?
The monetary systems consists of international payment and transfer, exchange of currencies across borders..
What are international monetary system?They are system, rules or even institutions that supports and facilitates international trade and also facilitates exchange of currencies between states.
These monetary systems consists of international payment and transfer, exchange of currencies across borders..
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in the preparation of a pro forma income statement, an entrepreneur must first _____.
In the preparation of a pro forma income statement, an entrepreneur must first develop a sales budget.
What is sales budget?A sales budget is what gives summary of quantity of goods and services which a company intends to sell in the future. It is however used in the production budget.
Hence, in the preparation of a pro forma income statement, an entrepreneur must first develop a sales budget.
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Suppose a bank has $700 million in deposits and $30 million in required reserves, and it is holding no excess reserves. What is the required reserve ratio
Suppose a bank has $700 million in deposits. The required reserve ratio is 4.3%.
Required reserve ratioUsing this formula
Required reserve ratio=Required reserves/deposits
Let plug in the formula
Required reserve ratio=$30 million/$700 million×100
Required reserve ratio=4.28%
Required reserve ratio=4.3% (Approximately)
Therefore the required reserve ratio is 4.3%.
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when participating in fiscal planning, a leader should perform what role?
The role which a leader should perform during fiscal planning is d. Being visionary in identifying short- and long-term unit fiscal needs
What is Fiscal Planning?This refers to the continuous process where there are different means to be used in order to achieve a goal.
Hence, we can see that during fiscal planning, it is important that the leader should be a visionary and make the identification of both the long and short-term needs.
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When participating in fiscal planning, a leader should perform the role of being visionary in identifying short- and long-term unit fiscal needs.
What is fiscal planning?This is the financial planning of an organization which involves income and expenditure at a particular time.
A good leader should be able to identify both short and long term needs of an organization in order to make a choice of satisfying important and urgent needs at a time.
The needs can be arranged according to the scale of preference and a choice is made to determine opportunity cost.
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Every corporation should have a strong independent board of directors that does all of the following except a. remain well-informed about the company's performance and exercises its fiduciary duty to protect shareholders responsibly. b. guide management in choosing a strategic direction and makes independent judgments about the validity and wisdom of management's proposed strategic actions. c. evaluate the leadership skills of the CEO and other senior executives. d. retain sufficient courage to curb management actions deemed inappropriate or unduly risky. e. take responsibility for leading the strategy-making, strategy-executing process.
A firm does not need a strong independent board of director that is responsible for leading the strategy-making and strategy-executing process.
What is an independent director?
This refers to those member of a board that does not have a material or financial relationship with the company except a sitting fees
Among other option, a typical corporation does not need a strong independent board of director that is responsible for leading the strategy-making and strategy-executing process.
Therefore, the Option E is correct.
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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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Stock Alpha has a beta of .79 and a reward-to-risk ratio that is less than the reward-to-risk ratio of Stock Omega. Omega has a beta of 1.12. This information implies that: Group of answer choices Alpha is riskier than Omega and both stocks are fairly priced. Alpha is less risky than Omega and both stocks are fairly priced. either Alpha is underpriced or Omega is overpriced or both. either Alpha is overpriced or Omega is underpriced or both. Alpha is less risky than Omega and both stocks are correctly priced.
Both companies are fairly priced, and Alpha is a less hazardous investment than Omega. Hence, (B) is the best choice.
What do you know about reward-to-risk ratio?Traders and investors manage their capital and risk of loss using the risk/reward ratio. The ratio aids in determining a trade's projected return and risk. Generally speaking, the expected return demanded increases with risk. Anything more than 1:3 is often considered an appropriate risk return ratio. The projected returns on a particular investment are weighed against the risk of loss using a mathematical formula known as the risk-reward ratio.
A colon separates the estimated risk from the estimated reward when the risk-reward ratio is generally stated as a number. Typically, the ratio quantifies the link between the money that could be lost if an investment or action fails and the dollars that could be achieved if everything works out.
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in a private equity structure, the party that raises the capital and makes decisions is:
It is to be noted that in a private equity structure, the party that raises the capital and makes decisions is the General Partner.
Who is the the General Partner?In private equity settings, a General Partner is the entity who together with at least one other person (legal or individual) to form a business.
Hence, in a private equity structure, the entity that provides the capital and makes decisions is the General Partner.
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Materials that become an important component of the finished product whose cost can be easily and conveniently traced to the finished product are:.
Materials that become independent components of the finished product and whose cost can be easily and conveniently traced to the finished products are direct materials.
What are direct materials?
Those components pass into a manufactured product are called as Direct materials. Direct materials cost refers to the cost of direct materials which may be without problems recognized with the unit of production.
For example, the value of glass is an immediate substance cost in light bulb manufacturing.
Hence, Materials that become independent components of the finished product and whose cost can be easily and conveniently traced to the finished products are direct materials.
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The essence of a broad differentiation strategy is to a. appeal to the high-end part of the market and concentrate on providing a top-of-the-line product to consumers. b. incorporate a greater number of differentiating features into its product/service than rivals. c. lower buyer switching costs. d. outspend rivals on advertising and promotion in order to inform and convince buyers of the value of its differentiating attributes. e. offer unique product attributes in ways that are valuable and appealing and that buyers consider the cost worth it.
The essence of a broad differentiation strategy is to e. offer unique product attributes in ways that are valuable and appealing and that buyers consider the cost worth it.
What is differentiation strategy?A differentiation strategy can be regarded as a approach businesses which is used in making the product of a company to be unique to have upper hand on the competitors.
It should be noted that differentiation strategy increase comparative advantages.
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Consumers usually buy a(n) _____ only after comparing several brands or stores on style, practicality, price, and lifestyle compatibility
Consumers usually buy a shopping product only after comparing several brands or stores on style, practicality, price, and lifestyle compatibility
Who are consumers?Consumer are individual or group of people who are willing to pay for a particular products or services they need.
Consumer often go around to compare prices and custom relations after which they decide who to buy from.
Therefore, Consumers usually buy a shopping product only after comparing several brands or stores on style, practicality, price, and lifestyle compatibility
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Suppose Bill Gates, founder of Microsoft, is interested in a small software company. He may offer to purchase the stock of this company at a price that is just high enough to tempt the current stockholders. This action would be called a
The action taken by Bill Gates in acquiring the shares of a small software company is called a tender offer.
What is a tender offer?A tender offer is a type of offer given by an investor in respect of purchasing the shares of a public entity at a value within a defined period.
When Bill Gates offered to take over the shares of a small software entity at a cost that can attract the share investors to sell them off in the market. This action of Bill Gates tends to initiate a tender offer for the shareowners of the software entity.
Therefore, the tender offer is the action being taken by the founder of Microsoft company.
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The extent to which firms are meeting objectives suggests they a. are likely to prosper in the future. b. are likely to continue their present strategy with only minor fine-tuning. c. are virtually certain to make fresh strategic moves. d. recognize the status quo as the best course of action to adopt. e. realize that refocusing will ensure competitive gains.
The extent to which firms are meeting objectives suggests they are likely to continue their present strategy with only minor fine-tuning.
What are organizational objectives?Organizational objectives refers to the short-term and medium-term goals in which organizations intend to achieve
Hence, the extent to which firms are meeting objectives suggests they are likely to continue their present strategy with only minor fine-tuning.
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Ballard Company incurred a total cost of $9,400 to produce 300 units of pulp. Each unit of pulp required six (6) direct labor hours to complete. What is the total fixed cost if the variable cost was $1.50 per direct labor hour
The total fixed cost if the variable cost was $1.50 per direct labor hour is $6700.
Total fixed costUsing this formula
Total cost=Fixed cost+ Per Direct labor hours×Units of pulp× Direct labor hours
Let plug in the formula
9400=FC + 1.50(300)(6)
9400=FC + 2700
FC=$6700
Therefore the total fixed cost if the variable cost was $1.50 per direct labor hour is $6700.
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Question 2 of 20
If you choose to own a credit card, it is important to:
0 A. pay
A. pay off the balance each month.
B. make minimum payments each month.
O C. use more than one credit card to distribute the costs.
O D. use credit cards as often as possible.
Answer: (B)
Explanation: so you can save your money that is the wi way
Lee Sun's has sales of $3,300, total assets of $3,000, and a profit margin of 6 percent. The firm has a total debt ratio of 42 percent. What is the return on equity
The return on equity is 11.37%.
What does an equity means?The value that would be restored to a company's shareholders if all of its assets were sold and all of its obligations were settled is known as equity. We can also think of equity as the amount of ownership that remains in a company or asset after all debts related to that asset have been paid off.Net income = $3,300 x 0.06 = $198
Total debt ratio = 0.42 = ($3,000 - total equity)/$3,000
Total equity = $1740
Return on equity = $198/$1740
= 0.1137 or 11.37%
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Marketing documentation typically includes:
The marketing agreement is essential document for marketer to market a new product, it outlined work to be done in campaign.
Marketing requirements document define the product or service to market, the effort is done as per task assigned for promotion or brand new product.
Strategic plan outlines marketing campaign goals and milestones to achieve the goal with or without others involvements.
Content schedules is to obtain content to execute marketing strategy, this is special promotion or it is limited time offers.
What is Marketing?
The marketing is an action of promoting / selling of products or providing services.
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In the United States alone, $16 billion of products and services are traded every year without any money changing hands in a practice referred to as
In the United States alone, $16 billion of products and services are traded every year without any money changing hands in a practice referred to as Barter transactions account .
A barter exchange account is handled as an asset account and the revenue from bartering is treated as income in a typical journal entry. In the aforementioned scenario, barter income would be credited with $100 and the barter exchange account would be debited with $100.A barter exchange is a group of people or businesses that have decided to swap goods or services without taking payment in cash.Disadvantages are that bartering frequently requires much time and hassle and that goods are often not readily divisible, meaning that swapped goods have to be basically equal in value if a trade is to occur.What are barter accounts?
A barter exchange operates as a broker and bank in which each participating member has an account that is debited when purchases are made, and credited when sales are made. Compared to one-to-one bartering, concerns over unequal exchanges are reduced in a barter exchange.Learn more about barter accounts brainly.com/question/23967562
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Which sentence best completes the diagram?
When the Federal Reserve lowers the interest on reserves the prime rate decreases
When the prime rate decreases the economy slows down and consumers start to restrict the purchase and industries curtail to expand Hence Federal Reserve decreases the reserve ratio so that consumers and businesses take more loans and the economy pace upWhen the Federal Reserve decreases the reserve ratio, it lowers the amount of cash that banks are required to hold in reserves, allowing them to make more loans to consumers and businesses. This increases the nation's money supply and expands the economy. As reduced finance costs can encourage borrowing and investing, the Federal Reserve reduces interest rates to promote economic growth. Rates, on the other hand, might encourage excessive growth and subsequent inflation when they are too low, which would lower purchasing power and jeopardize the sustainability of the economic development.Learn more about reserve ratio here https://brainly.com/question/9058331
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Explain how the accounting for a fair value hedge differs for the hedged item and for the hedging item compared to the accounting for a cash flow hedg
A cash flow hedge is accounted for differently than a fair value hedge.
The key difference between a cash flow hedge and a fair value hedge is the hedged item. With a cash flow hedge, you’re hedging the changes in cash inflow and outflow from assets and liabilities, whereas fair value hedges help to mitigate your exposure to changes in the value of assets or liabilities.
A fair value hedge is used to mitigate risk created by fixed exposures such as fixed costs, prices, rates, or terms. Whereas a cash flow hedge is used to mitigate risk from variable exposures.
In the case of the Hedged Item:
a) Loss on the hedging item on the reporting date:
Debit the loss to Loss on the Hedged Item A/c. This will have an effect on the Profit & Loss A/c and reduce the profit of the company.
Credit the Hedged item. Since this is an asset, the value of the asset will go down, and this will affect the Financial Position i.e., Balance Sheet of the company.
b) Gain on the hedging item on the reporting date:
Debit the Hedged item. Since this is an asset, the value of the asset will go up, and this will affect the Financial Position i.e., Balance Sheet of the company.
Credit the gain to Gain on the Hedged Item A/c. This will have an effect on the Profit & Loss A/c and increase the profit of the company.
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in forward and futures contracts, the risk of non-fulfilment of contract terms is most likely borne by:
In forward and futures contracts, the risk of non-fulfillment of contract terms is most likely borne by both parties to the contract.
What are forward and futures contracts?The difference between a forward and futures contract lies in their establishment.
A forward contract is a personal arrangement traded over the counter whereas, a futures contract is a standardized contract made through an established exchange.
Thus, in forward and futures contracts, the risk of non-fulfillment of contract terms is most likely borne by both parties to the contract.
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When you market Medicare Advantage and Part D plans, what may you offer as a gift to induce enrollment in a plan
When you market Medicare Advantage and Part D plans, what you may offer as a gift to induce enrollment in a plan is: You may provide gifts to all enrollees during an event that is not above $15 in retail value.
What is Medicare Advantage marketing?Medicare is a medical coverage and Medicare Advantage marketing can be defined as the way of marketing the plan to people and telling them the advantage of the plan including what they will benefit if they enroll for the plan.
Based on the given scenario you may offer either gift items or prizes to all potential enrollees that is not above $15 in retail value so as to convince them to enroll.
Therefore When you market Medicare Advantage and Part D plans, what you may offer as a gift to induce enrollment in a plan is: You may provide gifts to all enrollees.
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If government spending increases or personal income taxes decrease, what are the likely effects on output, price level, and interest rates?
Price Level / Output / Interest Rates
1) Increase / Increase / Decrease
2) Increase / Increase / Increase
3) Decrease / Increase / Decrease
4) Decrease / Decrease / Decrease
5) Decrease / Decrease / Increase
When there is an increase in government spending, there will be an increase on the output, price level, and interest rates
What is a government spending?This refers to the funds injected to the public sector on the acquisition of services such as education, healthcare, social protection, defense etc.
Most time, the effect of an an increase in government spending leads to an increase on the output, price level, and interest rates as it is a method of stimulate demand.
Therefore, the Option A is correct.
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You plan to participate in an educational event sponsored by a large regional health care system. One of your colleagues suggests that you do a presentation on one of the medicare health plans you market and modify it to include information about preventive screening tests showcased at the event. How should you respond to your colleague’s suggestion?.
My response to my colleague would be a "No" because the participation in an educational event may not include a sales presentation.
What is an educational event?In the health system, these are event that are designed to inform health beneficiaries about the different health packages, plans etc.
Hence, the suggestion of my colleague will not be taken because the intial record of my presentation in the educational event will not include a sales promotion.
Therefore, the Option A is correct.
Missing options "a. You should tell your colleague no because participation in an educational event may not include a sales presentation. b. As long as your sales presentation includes information that is about healthy living or clinically effective screening exams, you could talk about the Medicare plans in your presentation. c. You should tell your colleague no, because marketing.
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Answer:
Explanation:
Marketing representatives are permitted to participate in educational events. However, their participation must not involve sale presentations.
When a profit-maximizing firm in a competitive market has zero economic profit, accounting profit Group of answer choices is negative. is at least zero. is also zero. could be positive, negative or zero
Selling the same good to various consumers at different prices is the only option when a profit-maximizing corporation in a competitive market has zero economic profit or accounting profit.
What is a profit-maximizing firm?Operating where marginal revenue and marginal expense are equal maximizes profit for a business. According to neoclassical theory, which assumes that the price must match the marginal cost condition, a firm must maximize profit in order to decide on an output and input level.
Profits and losses are ultimately eliminated because an endless number of businesses produce uniform, infinitely divisible items.
The appropriate response is thus that there are no choices because everything is produced and sold at the same price.
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If washburn guitars were to lower the price of the maya pro dd75 to $2,499 from $2,699, sales of the guitar would increase 30 percent. This illustrates.
The Washburn guitars reduces their price from $2,499 to $2,699 as a result of the sales of the product drastically increased by 30%, So this represents that the product has an elastic demand.
What do you mean by elastic demand?When the price of a product has a massive effect on the quantity purchased is called Elastic demand. A product is stated to have an elastic demand if sales drop sharply in reaction to a growth in price, or sales spike whilst prices are decreased.
Thus, The Washburn guitars reduces their price from $2,499 to $2,699 as a result of the sales of the product drastically increased by 30%, So this represents that the product has an elastic demand.
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Management contracts usually stipulate that multiple choice the contract be annual with renewal options. a fee be paid to the firm providing the management expertise. 30 to 50 percent of sales belong to the licensee. 30 to 50 percent of revenues belong to the licensor.
Management contracts usually stipulate that fees be paid to the firm providing the management expertise. Thus the correct answer is A.
What are contracts?The contract refers to an agreement enforced by the law-bound two parties or individuals in a commitment within consent to start a deal.
A management contract refers to a contract that allows an organization to participate in the operations and decision-making of the business of another company.
Therefore, option A fee is paid to the firm providing expertise by mangement is the appropriate answer.
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The value net framework includes an analysis of a. the firm, substitutes, suppliers, customers, and competitors. b. the firm, suppliers, customers, competitors, and driving forces. c. substitutes, suppliers, customers, competitors, and driving forces. d. the firm, suppliers, customers, competitors, and complementors. e. substitutes, suppliers, customers, competitors, and potential entrants.
The value net framework includes an analysis of d. the firm, suppliers, customers, competitors, and complementors.
Who are those involved in a value net framework?The entities that influence a business's success include its Customers, Suppliers, Competitors, and Complementors.
A business should develop cooperative and productive relationships with these influencers in addition to studying its internal capabilities and competencies to derive external value.
Thus, the value net framework includes an analysis of d. the firm, suppliers, customers, competitors, and complementors.
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In the context of the different techniques used by an inference engine to manipulate a series of rules, _____ refers to a series of "if-then-else" condition pairs
In the context of the different techniques used by an inference engine to manipulate a series of rules, forward chaining refers to a series of "if-then-else" condition pairs.
What is an inference engine?An inference engine is a part of the system that applies logical rules to the knowledge base to deduce new information. The first inference engines were components of expert systems.
Therefore, the correct answer is forward chaining.
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How to find marginal product of labor from production function
The best way to find the marginal product of labor from the production function is by dividing the change in output divided by the change in labor
What is the Marginal Product of Labor?
This refers to the change in output as a result of an increase in the unit of labor.
Hence, we can see that for this to occur, all other factors have to remain constant, and to get the marginal product of labor from the production function, one would have to divide the change in output divided by the change in labor.
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