When does a lender have to disclose the annual percentage rate (APR)?
A. Lenders do not use APR when making loan agreements.
B. Lenders must disclose the APR after the loan agreement is signed.
C. Lenders must disclose the APR before the loan agreement is
signed.
O D. Lenders are not required to disclose the APR.

Answers

Answer 1

Answer: ITS C!!!!!!!

Explanation:

Answer 2

Answer:

C. Lenders disclose the APR before the loan agreement is signed.


Related Questions

A supporter of free-market policies in the late twentieth century would have most likely explained that the policy argued for in the passage did not sufficiently.

Answers

A supporter of free-market policies would argue that the passage didn't liberalize the Chinese economy because only fourteen cities were opened for foreign investment and trade.

What is free market economy?

A free market is where the prices of goods and services are determined by the forces of demand and supply hence there's little government intervention.

Here, the prices for goods and services in a free market economy are self-regulated by buyers and sellers without any external interference.

Hence, a supporter of free-market policies would argue that the passage didn't liberalize the Chinese economy because only fourteen cities were opened for foreign investment and trade.

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According to the business cycle represented in the diagram above, the actual rate of unemployment equals the natural rate of unemployment when the economy is.

Answers

According to the business cycle, the actual rate of unemployment equals the natural rate of unemployment when the economy is on the potential line.

What is Unemployment?

This refers to the situation in which a person is without paid employment and cannot adequately cater to his needs.

Hence, we can see that from the complete question, there is an image attached which shows real output graphed against time and there is the expansion, peak, etc and there is equality between the actual and natural rate of unemployment on the potential line.

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Question 9 of 10
Amy is interested in fashion. She is a talented public speaker and enjoys
traveling abroad. Which career path might be right for her?
A. Marketing representative for an international clothing designer
B. Sales representative for a local furniture store
C. Art director for an interior design company
D. Marketing manager for a local clothing retailer
SUBMIT

Answers

Answer:

A

Explanation:

since shes a talented public speaker and enjoys travelling (A) would be a good fit

Marketing representative for an international clothing designer.

Thus, the correct option is A.

Who is a Marketing representative?

Advertising, promotions, and other strategies are used by marketing professionals to shape public perception of a company's goods and draw in new clients.

By directly engaging customers on the ground, a field marketing person is in charge of raising brand recognition. Field marketers serve as a bridge between buyers and sellers by giving consumers useful information about goods and services.

Several of the typical sales and marketing goals include: Boost the sale of goods or services. Increase brand recognition. Increase a business's market share.

It goes without saying that marketing is not for everyone because it is a very difficult career option. That does not preclude it from being your ideal profession, though. In addition to being one of the sectors with the highest growth, marketing offers a wide range of specializations.

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Straight-line, declining-balance, and activity-based refer to methods commonly used to.

Answers

Answer:

depreciate

Explanation:

Straight-line, declining-balance, and activity-based refer to methods commonly used to _depreciate_ property, plant, and equipment.

Answer:

depreciate

Explanation:

Straight-line, declining-balance, and activity-based refer to methods commonly used to .... depreciate... property, plant, and equipment.

I NEED HELP!!!!!!!!!!!!!!!!!!

Answers

Answer:

I am not home, I'm at church service will return home on Tuesday

why doesn't school teach taxes

Answers

Answer:

Well, Who knows but I'd assume they deem it unimportant. for our class because of we were a higher class our parents would teach us how when we were ready

Answer: People file different kinds of taxes. They can't teach you every kind of tax in depth on how to go through it. For example, for personal income taxes, there are currently three different types of forms that someone could file.

Using the 7/70 method, a person with an $80,000 annual income should purchase how much life insurance?.

Answers

Answer:

$80,000, So, the amount of life insurance that should be bought is: = ($80,000 × 70%) × 7 = ($80,000 × 0.7) × 7 = $56,000 × 7!

Explanation:

Hope this helps you!

How are a credit score and credit report related?

Answers

Answer:

1) A

2)D

3)D

4) Dunno

Explanation:

Here's the reason why I chose the answers as well.

1) When you have a debit card you are spending your OWN money. Therefor it's taken from the money if you have in your bank account.

2)Credit Cards are usually used when you don't have the cash at hand but have to pay it back.

3)The lower the credit score the worst it is.

If an insurer is incorporated in Rhode Island, but primarily does business in New York, what type of insurer is this considered in New York

Answers

If an insurer is incorporated in Rhode Island, but primarily does business in New York. This is called foreign insurer.

Who is an insurer?

An insurer can be defined as a person who  insured a person or a person who provide insurance coverage.

An Insurer has their business situated or established in the United States of America but carried out is business activities in another country like New york this  will be tend to be called foreign insurer in New york because the business is not domiciled in New york but United state of america.

Inconclusion this is called foreign insurer.

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Lazer industries, inc. manufactures medical equipment parts and accessories. assume all amounts are pre-tax and a 21% tax rate for 20x1.

net sales $1,200,000
interest expense $150,000
gain on sale of discontinued operations $400,000
cost of goods sold $300,000
selling, general and administrative expenses $170,000
gain on sale of investments $30,000
restructuring charges $20,000

required:
prepare a multiple-step income statement for lazer industries, inc. based on the available information for the year ended december 31, 20x1.

Answers

The multi-step Income Statement for Lazer Industries, Inc. for the year ended December 31, 20x1 is as follows:

Lazer Industries, Inc.

Multi-step Income Statment

For the year ended December 31, 20x1

Net sales                                          $1,200,000

Cost of goods sold                            $300,000

Gross profit                                       $900,000

Expenses:

Selling, general and  administrative $170,000

Operational income                        $730,000

Interest expense                               $150,000

Ordinary Income before tax          $580,000

Gain on sale of

discontinued operations                $400,000

Gain on sale of investments             $30,000

restructuring charges                      ($20,000)

Taxable income                             $990,000

Tax on ordinary income                 $207,900

Net income                                     $782,100

What is a multiple-step income statement?

A multiple-step income statement is an income statement that categorizes incomes and expenses into operating and non-operating heads so that the net income can be computed after taking into account operating, ordinary, and extraordinary revenues and expenses.

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What is it called when advertising reaches people who are not part of the target market and are not potential customers

Answers

When advertising reaches people who are not part of the target market and are not potential customers. This is called waste coverage.

What is waste coverage?

Waste coverage can be defined as the way in which an advert reach people who the advert was not target at.

This type of advert is classified as waste coverage because the advert is not meant for the people or population that saw the target simply because advert coverage exceeded the buyer which the advert was target at.

Therefore when advertising reaches people who are not part of the target market and are not potential customers. This is called waste coverage.

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You work at the headquarters of an enterprise known for unethical practices. the company has many remote sites, but most functions are performed at one location. your enterprise recently hired a third-party vendor known for high-accuracy business impact analyses. the bia performed by the vendor has since proved wrong, as an incident impacted the business significantly more than forecast. you are assigned to conduct a study on the bia's misconception and submit a report.

required:
what should you investigate as the possible reason for the bia's inaccuracy?

Answers

As an investigator, i will investigate the possible reason for the business impact analysis inaccuracy because the vendor was unaware of the organization's unethical practices.

What is a business impact analysis?

This is an analysis that helps to predicts the effect of a disruption of a business process and helps to develop recovery strategies against such effect.

As the headquarters is known for unethical practices, then, such practices will likely be apparent in the remote site.

Therefore, the Option D is correct.

Missing options "a. The vendor used the incorrect method to conduct their analysis. b. The vendor overlooked the organization's remote sites.  c. The vendor was unaware of some of the organization's business concepts. d. The vendor was unaware of the organization's unethical practices."

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When actual revenue ______ what the revenue should have been, the variance is labeled favorable.

Answers

When actual revenue exceeds what the revenue should have been, the variance is labelled favourable.

Hope that helps!

Answer:

Answer is exceeds

Explanation:

Wat is NOT taken into account when determining a person's career path?

Answers

Answer:

genetics

Explanation:

Skysong, Inc. has 48,000 shares of $10 par value common stock outstanding. It declares a 11% stock dividend on December 1 when the market price per share is $17. The dividend shares are issued on December 31. Prepare the entries for the declaration and issuance of the stock dividend.

Answers

The entries is:Debit Stock Dividend $89,760;Credit Common Stock Dividend Distributable $52,800;Credit Paid in Capital in excess of Par- $36,960.

Declaration and issuance of the stock dividend

Dec 1        

Debit Stock Dividend    $89,760        

(48,000×11%×$17)

Credit Common Stock Dividend Distributable   $52,800

(48,000×11%×$10)

Credit Paid in Capital in excess of Par- $36,960

($89,760-$52,800)                              

Dec 31    

Debit Common Stock Dividend Distributable   $52,800

(48,000×11%×$10)

Credit Common Stock                                        $52,800

Therefore the entries is: Debit Stock Dividend $89,760 ;Credit Common Stock Dividend Distributable $52,800;Credit Paid in Capital in excess of Par- $36,960.

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What is the craziest thing you've ever done, and would you do it again?
If you could do anything knowing you would not fail, what would you do?
If a genie granted you three wishes right now, what would you wish for?
What's your biggest regret in life?
What do you think about when you're by yourself?

Answers

Answer:

01) yh for sure I'll do it again... I always doing it like staring to stranger eyes till they getting shy

02)my exams gosh

03)having my bff again.

being a good girl

nvm nothing else

04) having a stu.pid relationship with a boy nvm

05)sensitive

The demand curve for a monopolistically competitive firm is downward sloping because
A. there are a large number of firms

B. the product is produced by using scarce resources

C. the products produced by different firms are not identical

D. it is easy for firms to enter or exit the market

E. the marginal cost rises as output produced increases

Answers

The demand curve for a monopolistically competitive firm is downward sloping because the products produced by different firms are not identical.

What is monopolistic competition?

A monopolistically competitive firm is a firm where there are many sellers and buyers of differentiated goods. Sellers set the price for their goods and services.

In a monopolistic competitive market, there are large number of sellers which are producing similar products or close substitute but the products are different enough that the demand curve for each firm is downward sloping.

Hence, the demand curve for a monopolistically competitive firm is downward sloping because the products produced by different firms are not identical.

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Ammunition Handlers conduct joint inventory with the unit using _________ to ensure the unit is getting the correct quantities and types of ammunition.

Answers

The DA Form 3151-R is used to ensure the unit is getting the correct quantities and types of ammunition.

Who are the Ammunition Handlers?

These are people that conduct a periodic inventory of ammunition, ammunition components and ammunition related material.

They also perform a principal duties of receipt, storage, and issue of ammunition etc.

Read more about Ammunition Handlers

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____ was one of the founders of Apple in 1976, but was pushed out of the company in the mid 1980s. He later returned in 1996 and helped to rebuild a nearly bankrupt Apple.

Answers

Stephen Gary Wozniak was one of the founders of Apple in 1976, but was pushed out of the company in the mid 1980s.

What is Apple?

Apple company is as an American company that specialize in technology.

They produce consumer electronics and software such as laptop and phones.

Therefore, Stephen Gary Wozniak was one of the founders of Apple in 1976, but was pushed out of the company in the mid 1980s.

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Amy works as a teller at the local bank. What kind of education would Amy likely have needed for her job?

Answers

Answer:

high school diploma

Explanation:

Answer:

High School Diploma

Explanation:

I took the test said it was right. Also when you search what the requirements to become a bank teller it says "High School Diploma or equivalent."

Many companies moved their operations from new england and the midwest to locations in the south because

Answers

Many companies moved their operations from new england and the midwest to locations in the south because: the South had less expensive site factors than northern regions.

Change of operation location from midwest to south

The major reason why most companies tend to moved their operation to south was to maximize profit.

Compare to midwest, the site factors such as rew material, labor and land were more cheaper in the south.

This companies change their operation location because they want to reduce cost as their aims and objective is to generate or maximize profit.

Inconclusion the South had less expensive site factors than northern regions.

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Which of the following is a positive externality?

Answers

Answer:

Research and development (R&D) conducted by a company can be a positive externality. R&D increases the private profits of a company but also has the added benefit of increasing the general level of knowledge within a society. Similarly, the emphasis on education is also a positive externality.

Explanation:

Choosing a beautiful design for a building will give benefits to everybody in society. Education or learning new skills. With better education, you are more productive and can gain more skills. But, also the rest of society benefits from your new skills

A shift towards a higher proportion of sales of products with a lower contribution margin per unit will most likely result in a(n) ________.

Answers

A shift towards a mix of products with a lower contribution margin per unit will most likely result in unfavorable sales-mix variance.

What is Sales mix variance?

Sales mix variance serves as the difference between a budgeted sales mix as well as the actual sales mix of the company.

When there is a shift with a lower contribution margin per unit then we can say it's unfavorable sales-mix variance.

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Tariffs help increase market security for traders and investors?
True Or False

Answers

Answer:

The answer is true.

Explanation:

They help import and export goods and they are like a safeguard.

True bc to help export goods

_________ addresses the means by which leaders provide direction to get workers to accomplish tasks whereas _________ addresses how leaders interact on a personal level with workers.

Answers

Leadership addresses the means by which leaders provide direction to get workers to accomplish tasks whereas relationship addresses how leaders interact on a personal level with workers.

What is leadership?

Leadership explains how an individual is able to lead someone that is subjected to him for guidance, counsel and training.

It describe the relationship that exist between followers and the leader and how it influence the learning process.

Therefore, Leadership addresses the means by which leaders provide direction to get workers to accomplish tasks whereas relationship addresses how leaders interact on a personal level with workers.

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The leadership aspect of managerial leaders is to ______, while the management part is to ______.

Answers

The leadership aspect of managerial leaders is to influence, while the management part is to facilitate. Read below on qualities of a leader.

What are the qualities of a good leader?

The qualities of a good leader are the following:

IntegrityAbility to delegateCommunicationSelf-awarenessGratitudeLearning agilityInfluenceEmpathyCourageRespect

Therefore, leadership aspect of managerial leaders is to influence, while the management part is to facilitate.

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A customer service team identifies a goal of three business days for addressing all customer concerns. In the context of a control process, this goal is

Answers

A customer service team identifies a goal of addressing the customers by imitating corrective action.

What is Customer support teams?

Customer support teams serves as the team that provide technical assistance with products so as to answer customers' questions .

Conclusively, The goal of customer support teams is to provide the customers with interactions and answers to their questions.

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Bell's product manager continues to perform well in the market. However, a competing product is coming on strong and is looking to take over as the market share leader in the segment. Without sacrificing contribution margin, what can the Bell product manager do in order to improve upon the buying criteria, and thus potentially increase demand

Answers

Bell product manager can increase the promotion budget to gain greater awareness in order to improve upon the buying criteria, and thus potentially increase demand.

What is promotion budget?

A promotional budget is a specified amount of money set aside to promote the products or beliefs of a business or organization.

Promotional budgets are created to anticipate the essential costs associated with growing a business or maintaining a brand name.

Hence, Bell product manager can increase the promotion budget to gain greater awareness in order to improve upon the buying criteria, and thus potentially increase demand.

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The pay ratio reporting policy, as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, requires that companies report the ratio of their average worker's pay to that of Multiple Choice other workers in the same industry. minimum wage. their competitor's average pay. exempt employees. the CEO.

Answers

The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 made it such that companies report a ratio of average worker pay to that of the CEO.

What does the Dodd-Frank Pay ratio entail?

Passed in 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act aimed to make it such that the 2008 financial crisis would not happen again.

One provision that the act included, attempted to make salaries more equitable by ensuring the companies reported a pay ratio where average salary was compared to that of the CEO.

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Ugar has relocated a production firm to a country that has lower production costs, and is closer to his customers. What type of advantage does this offer Ugar's firm

Answers

The advantage offered to Ugar by relocating their production firm is a reduction in the cost of doing business.

What advantage does Ugor gain?

When Ugor relocated to the country that has a lower production cost, it means that they will spend less to produce their goods and services.

He will also spend less on transporting his goods to his customers. These reduced costs mean that his cost of doing business has reduced.

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