Be made available a mortgage-backed security backed by a pool of conventional loans - Ginnie Mae
What Is a Mortgage-Backed Security (MBS)?
Mortgage-backed securities are not offered by the Government National Mortgage Association (GNMA or Ginnie Mae), who merely guarantees them instead (and is limited to FHA and VA mortgage loan securities).
A mortgage-backed securities (MBS) is an investment that resembles a bond and is composed of a collection of mortgages that have been acquired from the banks that issued them. Periodic payments akin to bond coupon payments are made to MBS investors.
Mortgage-backed securities (MBSs), a subset of asset-backed securities, are created by combining just mortgages. A mortgage-backed securities is effectively a loan to homebuyers from the investor who purchases it. A broker can be used to purchase and sell MBS. Each issuer has a different minimum investment requirement.
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Technology helps business professionals, keep more organized, communicate better, and effectively keeps businesses secure. Technology helps keep employee information and business paper work more organized using computers
Answer:
Yes
Explanation:
Technology indeed does do that. Technology also helps us through times of crisis like this pandemic going on right now. Without technology, it would make so many things harder such as keeping in touch with loved ones, stuff to do when bored, and many other things.
why team sport marketers must be strategic and cautious when using sales promotions to sell more tickets.
Team sports marketers must be strategic and cautious when using sales promotions to sell more tickets for several reasons:
1. Target audience: It's essential to identify the target audience and design promotions that cater to their interests and needs. Marketers must ensure that the promotional strategies appeal to the right demographic to increase ticket sales effectively.
2. Promotion effectiveness: Marketers should analyze the effectiveness of different promotional tactics and choose those with proven success rates. It's crucial to allocate resources wisely and invest in promotions that yield a high return on investment.
3. Brand image: Overusing sales promotions can lead to the devaluation of the team's brand image. Marketers must strike a balance between offering promotions to attract more customers and maintaining the team's reputation for quality and value.
4. Competition: Marketers must consider the competitive landscape when planning sales promotions. They should be aware of their competitors' promotional strategies and develop tactics that differentiate their team from others in the market.
5. Timing: Timing is a critical factor in the success of sales promotions. Marketers should strategically plan their promotions around significant events, seasonal trends, or specific target audience preferences to maximize ticket sales.
6. Legal and ethical considerations: Sales promotions must comply with all applicable laws and regulations. Marketers should also consider ethical implications and ensure that their promotional tactics do not mislead or manipulate consumers.
By being strategic and cautious when using sales promotions, team sports marketers can increase ticket sales while maintaining a strong brand image and delivering value to fans.
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In a sample of 56 tax returns filed by local hotel managers in a recent year, the taxable incomes are found to have a mean of $41225 and a population standard deviation of $6112. Construct the 99% confidence interval for the mean taxable income of all local hotel manager that year. Select one: a. 39255
To construct a 99% confidence interval for the mean taxable income of all local hotel managers in a recent year, we can use the following formula:
Confidence Interval = Sample Mean ± Z * (Population Standard Deviation / sqrt(Sample Size))
Given that the sample size is 56, the sample mean is $41,225, and the population standard deviation is $6,112, we need to find the value of Z for a 99% confidence level. Using a standard normal distribution table or calculator, we find that the Z-value corresponding to a 99% confidence level is approximately 2.58.
Plugging in the values, we have:
Confidence Interval = $41,225 ± 2.58 * ($6,112 / sqrt(56))
Calculating the expression inside the square root:
sqrt(56) ≈ 7.483
Substituting this value into the confidence interval formula:
Confidence Interval = $41,225 ± 2.58 * ($6,112 / 7.483)
Simplifying the expression:
Confidence Interval ≈ $41,225 ± $5,293.63
The 99% confidence interval for the mean taxable income of all local hotel managers in that year is approximately ($35,931.37, $46,518.63).
Therefore, the answer "a. $39,255" is incorrect. The correct answer is not provided among the options given.
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a university endowment fund might prefer high-dividend-paying stocks since it is usually blank______.
A university endowment fund might prefer high-dividend-paying stocks since it is usually focused on generating a stable income stream to support its long-term financial needs and objectives.
Endowment funds often have the goal of providing consistent funding for the university's operations, scholarships, research, and other initiatives. By investing in high-dividend-paying stocks, the fund can receive regular dividend payments from the companies in which it invests. These dividends can provide a reliable source of income that can be used to meet ongoing financial obligations and support the fund's activities. Additionally, high-dividend-paying stocks may offer the potential for capital appreciation over time, enhancing the overall returns of the endowment fund.
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If real GDP per capita in a country was $14,000 in year 1 and $14,560 in year 2, then the economic growth rate for this country from year 1 to year 2 was
a. 3 percent.
b. 1 percent.
c. 4 percent.
d. 2 percent.
To calculate the economic growth rate for a country, we need to use the formula: (Year 2 Real GDP per capita - Year 1 Real GDP per capita) / Year 1 Real GDP per capita x 100.
Using this formula and plugging in the given values, we get:
(14,560 - 14,000) / 14,000 x 100 = 4%
Therefore, the economic growth rate for this country from year 1 to year 2 was 4 percent.
It's important to note that economic growth rate is a measure of the percentage increase in a country's real GDP over a period of time. It indicates the rate at which an economy is expanding and improving its standard of living. In this case, the country experienced a 4 percent growth in its real GDP per capita, which means that its economy was expanding at a moderate pace.
Real GDP per capita is a measure of a country's economic output that accounts for its population. It's calculated by dividing the country's real GDP by its population. It's an important indicator of a country's economic performance as it measures the average standard of living of its citizens.
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What are some benefits of paying taxes? Check all that apply.
ensuring that the needs of the nation are fulfilled
paying for public works such as highways and museums
reducing the amount of money consumers can spend
slowing growth in the economy
paying for government programs that help citizens
Answer:
A,B,E
Explanation:
got it right on test
Answer:
a b e
Explanation:
right on edge
What is the difference between revolving and term credit?
Answer: Revolving credit offers borrowers the option to draw funds up to a limit while ,Term credit is the agreement between a seller and buyer that lists the timing and amount of payments the buyer will make in the future.
Project Data
Mowgli Corporation adjusted trial balance for fiscal year ending December 31, 2019.
Dr.
Cr.
Cash
$21,000
Accounts Receivable
$102,000
Inventory (beginning)
$20,000
Estimated Returns Inventory
$5,000
Land
$9,000
Office equipment
$22,000
Accumulated Depreciation-equip.
$20,000
Building
$233,000
Accumulated Depreciation-Bldg.
$94,000
Patent
$16,000
Accounts Payable
$73,000
Customer Refunds Payable
$2,000
Interest Payable
$14,000
Unearned Revenue
$22,000
Notes Payable
$100,000
Capital
$80,000
Drawings
$29,000
Sales
$206,600
Purchases
$106,000
Purchases Returns and Allowances
$1,000
Purchase Discounts
$500
Freight-in
$300
Insurance Expense
$6,000
Interest Expense
$8,000
Repair Expense
$5,000
Salaries Expense
$17,600
Advertising Expense
$1,200
Depreciation Expense
$11,000
Utilities Expense
$1,000
$613,100
$613,100
Other Information:
Inventory on hand at December 31, 2019 is $55,000 (Hint: this is ending inventory).
Estimated Returns Inventory increased $2,000 (Hint: Include in COGS and Closing Entry).
Administrative expenses include: Insurance, Repair, Utilities, and Depreciation.
Selling expenses include: Advertising and Salaries.
$50,000 of the Notes Payable is payable next year (Hint: classified as current).
Answer:
21,000
Explanation:
one example in which people make rational choices that lead to a less-than-ideal result is ______.
one example in which people make rational choices that lead to a less-than-ideal result is the "Prisoner's Dilemma,".
In the strategy game "Prisoner's Dilemma," players make defensible decisions that result in less-than-ideal outcomes for everyone.
When people are constantly motivated to make choices that are detrimental to the group as a whole, a situation described as a "prisoner's dilemma" arises. The prisoner's problem emerges in a variety of economic contexts. People discover that betraying the group results in larger benefits than collaborating in the classic prisoner's dilemma. If the same games are performed often, each person may come up with a cooperative strategy. Despite what may seem to be unfavorable individual motives, people have devised a number of techniques to get past the prisoner's dilemma to pick superior overall results. The prisoners' dilemma is an illustration of how reasonable decisions can result in less-than-ideal outcomes. It is a game of strategy in which two players make logical decisions that result in outcomes that are less than optimal for both of them. Assume that both inmates act rationally and are familiar with game theory. In the scenario of the prisoners' dilemma, if one confesses and the other doesn't, the one who does would receive a less sentence; yet, if both confess, they will both receive a punishment that is worse than if neither had confessed.
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Common trade agreements include the World Trade Association, economic communities, bartering, countertrade, and free-trade zones. What are possible concerns regarding trade agreements?
Explanation:
1. Unequal terms: Trade agreements could potentially create an unfair balance of power between two entities, allowing one country or party to benefit while the other is left with unfavorable terms.
2. Exploitation: Trade agreements could be manipulated to allow countries or entities to exploit resources or labor in the other countries in exchange for unfair terms.
3. Job Loss: Trade agreements can lead to job losses in countries that are unable to compete globally due to their industry not being competitive enough. This can create economic instability in countries as well as social unrest.
4. Impacts on Local Communities: Trade agreements can lead to adverse impacts on local communities, such as displacement from their traditional lands, decreased access to natural resources, or ecological destruction.
5. Risk of Dumping: Dumping is the practice of exporting products at very low prices to create an unfairly competitive market for other countries, potentially resulting in major losses for countries that cannot compete. This practice is often seen in trade agreements.
brand managers are also known as managers in some business to business firms T/F
The given statement "Brand managers are also known as managers in some business-to-business firms."is true. because it is worth noting that the role of brand managers in business-to-business (B2B) firms varies slightly from their role in consumer-focused companies.
They are responsible for identifying, developing, and promoting a company's brand in both cases. The brand manager must be able to develop and execute comprehensive marketing strategies to differentiate their brand from competitors in a crowded marketplace in both scenarios. In B2B firms, the primary focus is on long-term customer relationships. The brand manager must establish the company's brand as a dependable, competent, and trustworthy option in the eyes of their business clients.
They also require to work closely with sales teams to ensure that their branding is consistent throughout their customer interactions, presentations, and marketing materials. Brand managers in B2B companies must also manage and update their brands to keep up with market trends and evolving customer preferences.
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Changes in project management planning are made to accomplish all of the following except: A. Track all changes that are to be implemented
B. Review, evaluates, and approve/disapprove proposed changes formally
C. Identify expected effects of proposed changes on schedule and budget
D. Reflect scope changes in baseline and performance measures
E. Change the stakeholder of the project.
Changes in project management planning are made to accomplish all of the following except E. Changing the stakeholder of the project.
Project managers must track all changes that are to be implemented, review, evaluate, and approve/disapprove proposed changes formally, identify expected effects of proposed changes on schedule and budget, and reflect scope changes in baseline and performance measures.
Changes in project management planning occur frequently throughout a project's life cycle due to unforeseen circumstances, stakeholder requests, or new information. Project managers must assess and analyze the impact of proposed changes on the project's scope, schedule, budget, and quality.
They must also communicate these changes to all stakeholders to ensure everyone is aware of the project's status and any deviations from the original plan.
It is important to note that changes should not be made without proper evaluation and consideration of their impact. Making changes without considering the consequences can negatively affect the project's success. Therefore, project managers must implement a formal change management process to manage changes effectively and minimize risks.
Therefore the correct option is E. Change the stakeholder of the project.
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process costing would likely be used in all of the following industries except: multiple choice truck tire manufacturing. wood pulp production. automobile repair. chemicals. petroleum refining.
Process costing would likely be used in all of the following industries except automobile repair.
Process costing is a cost accounting method used to determine the cost of producing homogeneous products through a continuous manufacturing process. It is most suitable for industries where products go through multiple production stages or processes, and it is important to track the cost incurred at each stage. Industries such as truck tire manufacturing, wood pulp production, chemicals, and petroleum refining involve complex production processes with distinct stages, making process costing an effective method to calculate costs.
However, automobile repair is a service-based industry that focuses on repairing and maintaining vehicles. Unlike the aforementioned industries, automobile repair does not involve a continuous production process or the production of homogeneous products. The cost structure in automobile repair primarily revolves around labor costs, spare parts, and any additional materials required for repairs. As such, process costing is not applicable in this industry as it is more suitable for industries that have a continuous production flow and involve the production of homogeneous products.
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What do marketers do to achieve satisfying connections?
Answer:
To achieve satisfying connections, marketers plan where they need to go and how to get there efficiently.
Explanation:
In order to achieve rewarding connections, the marketers plan their goals where they want to go or move towards, set up strategies after dividing the short and long-term objectives to ensure that it is attained effectively and efficiently. The planning helps the organization to analyze and document marketing strategies, defining the target, developing goals, creating adequate marketing campaigns, and construct the appropriate activity plan with guidelines for effective attainment of goals on time.
To achieve satisfying connections marketers make plans for where they need to go and how to get there quickly in order to make rewarding relationships.
The marketers plan their goals, where they want to go or move towards, and put up plans after splitting the short- and long-term aims to guarantee that it is reached successfully and efficiently. This helps them build rewarding relationships.
Planning enables the business to define the objective, design goals, create effective marketing campaigns, assess and record marketing strategies, and construct the necessary activity plan with instructions for successfully achieving goals on schedule.
Thus, marketers make plans to achieve satisfying connections.
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What must the reader do to analyze the casual relationship in a passage?
When analyzing causal relationships, you must reveal to readers how different parts and sequences interact with each other over time.
You must explain to readers how various elements and sequences communicate with one another across time when examining causal links. You need to pinpoint the precise causes behind its effects or causes rather than just listing the sequence of events in sequential sequence, as we do when explaining a process. The structure of your business should follow the logic of your analysis. Due to the fact that a specific cause can have numerous distinct effects, this is frequently challenging. Similar to how a cause can have several effects.
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If a company has an ordering cost of $250, a carrying cost of $4 per unit, annual product demand of 6,000 units, and its production rate is 100 units per day, the optimal order quantity is approximatelya. 866b. 756c. 945d. 1,027
The optimal order quantity is approximately 866 units. The correct answer is option (a).
To find the optimal order quantity for a company with an ordering cost of $250, carrying cost of $4 per unit, annual product demand of 6,000 units, and a production rate of 100 units per day.
To find the optimal order quantity, we can use the Economic Order Quantity (EOQ) formula:
EOQ = √(2DS/C)
where D is the annual demand (6,000 units), S is the ordering cost ($250), and C is the carrying cost per unit ($4).
Step 1: Plug the values into the formula:
EOQ = √(2 * 6,000 * 250 / 4)
Step 2: Calculate the expression inside the square root:
EOQ = √(3,000,000 / 4)
Step 3: Simplify the fraction:
EOQ = √(750,000)
Step 4: Find the square root:
EOQ = 866
So, the optimal order quantity is approximately 866 units, which corresponds to option (a).
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match 5 source documents to their subsidiary books
State two ways in which trade unions could assist workers in addressing non compliance with working conditions
Ways in which change unions should assist workers in addressing noncompliance with operating conditions are the standard sports of alternate unions consist of supplying assistance and services to their contributors, collectively bargaining for better pay and conditions for all people, and running to enhance the excellent of public offerings, political campaigning, and commercial movement.
The definition of a worker is someone or animal that performs a particular or essential project or who completes duties in a certain way. someone who works in a store is an instance a retail employee. someone who works diligently on his homework for hours a day is an instance of a tough employee.
A person is normally classed as a 'worker' if: they have a contract or other association to do work or offerings personally for praise (a contract may be written or unwritten) their reward is for money or an advantage in type, for example the promise of a settlement or future paintings.
Workers are the people employed by using a selected organization or company. Manpower is all the employees available to paint for a business enterprise or USA. A colleague or co-employee is a person you figure with, mainly in the workplace.
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Cash revenue generated from notes receivable appears in the operating activities section of the statement of cash flows but as a non-operating item on the income statement. True or false?.
Although the income statement classifies the cash revenue from notes receivable as a non-operating item, it does show in the operating activities part of the statement of cash flows.
Cash Revenue is defined as any cash income that the borrower receives as a result of its operating activities, as computed for any applicable period in line with generally accepted accounting principles.
Revenue is the money that a company receives from the sale of its products and services. Cash flow refers to the net sum of money a business receives and expends. The success of a company's sales and marketing can be measured by its revenue, whereas a company's cash flow is more of a liquidity indicator.
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Refer to Table 7-5. If the market price of an orange increae from $0. 60 to $1. 05, then conumer urplu
Answer:
Can I have the Table or Chart that is provided to the question? Please and thank you!
when laying out jobsite, consider the space and pads necessary to allow all necessary people and objects to navigate the site efficiently.
The objective of this assignment is to create a site logistics plan for the University of Arizona North end zone project.
The reason for creating a site logistics plan on a construction project is to: Create order on the site
Maintain safety for the workers and public
Allow for material procurement/handling/management
Provide access and egress
Provide space for equipment/work areas
Every minute brings a new change to the building site. The facility becomes a burden and a safety danger if it is not properly maintained. On the other hand, a well-organized site enables steady advancement throughout the project. The site usage plan might develop in order to convey modifications to the site plan to the entire project team since the worksite is continually changing.
A construction site's main priorities are workers and public safety. Injury risk can be significantly decreased by carefully arranging the site operations and the placement of temporary items.
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Why is Feeney called a hero/saint?
Answer:
In 1982, he decided he would commit to giving away his billions during his lifetime. He is broke now. Gave away and donated over $8million. His motto was "giving while living "
Explanation:
Max's Company (MC) and Jollibee Company (JC) are both service companies. Their stock returns for the past three years were as follows: MC: -4 percent, 17 percent, 25 percent; JC: 18 percent, 8 percent, 19 percent. Calculate the mean return for each company. O MC: 11.67 percent; JC: 18 percent O MC: 12 percent; JC: 6 percent MC: 19 percent; JC: 12.67 percent O MC: 12.67 percent; JC: 15 percent
The correct option is: MC: 12.67 percent; JC: 15 percent.
To calculate the mean return for each company, we sum up the individual returns for each year and divide by the total number of years.
For Max's Company (MC):
Mean return = (-4% + 17% + 25%) / 3
Mean return = 38% / 3
Mean return ≈ 12.67%
For Jollibee Company (JC):
Mean return = (18% + 8% + 19%) / 3
Mean return = 45% / 3
Mean return ≈ 15%
The expected value, or mean, of all the probable returns on assets that make up a portfolio is known as the mean return in securities analysis. A mean return, sometimes referred to as an anticipated return, can be used to describe the monthly return on an investment in a stock. A mean return in capital planning is the average value of the probability distribution of potential returns.
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Todd's manager rejected his leave application because project deadlines were getting closer. Todd considered this a personal offence and got into an argument with his manager. In this scenario, the disagreements between Todd and his manager can best be classified as a. constructive conflict b. cognitive conflict c. a-type conflict d. c-type conflict
The disagreements between Todd and his manager can best be classified as a-type conflict.
A-type conflict, also known as affective or personal conflict, refers to conflicts that arise from personal differences, emotions, or interpersonal issues rather than substantive disagreements on tasks or goals. In this scenario, Todd's disagreement with his manager stems from his personal offense over the rejection of his leave application, which escalated into an argument. The conflict is driven by emotions and personal perceptions rather than conflicting ideas or perspectives on work-related matters.
Constructive conflict refers to conflicts that stimulate creativity, innovation, and problem-solving within a team or organization. Cognitive conflict, on the other hand, refers to conflicts that arise from differences in ideas, perspectives, or approaches and can lead to improved decision-making and critical thinking. However, in this scenario, the conflict is primarily based on personal offense rather than constructive or cognitive disagreements.
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TRUE OR FALSE: when you have a credit card or loan, it is better to have higher interest rate
Answer: Lower interest rate are better. Higher interest rate is worse
Explanation:
A lower interest rate is better when borrowing money through credit cards or loans. You will be paying less. High interest rates are only good when you are the lender.
Which elements exist in the completed assignment?
Check all that apply.
O a Birthdate field
all grade 12 students with a check mark in the
Active field
a Grade field between the Student Number and Last
Name fields
O an E-mail field
a Clip Art image attached to a customer field
Answer:
a Birthdate field
a Grade field between the Student Number and Last Name fields
Explanation:
edg 2022
in a competitive market the price is $6. a typical firm in the market has atc = $8, avc = $6, and mc = $6. how much economic profit is the firm earning in the short run?
In the short run, the firm is earning zero economic profit. Its total cost is equal to its total revenue, resulting in no excess profit.
To determine the economic profit, we need to compare the firm's total revenue with its total cost. In this case, the firm's average total cost (ATC) is $8, which is higher than the market price of $6. This indicates that the firm is not covering all its costs, resulting in a loss if we only consider explicit costs.
However, since the average variable cost (AVC) and marginal cost (MC) are both $6, the firm is covering its variable costs. In the short run, the firm can continue operating and covering its variable costs even if it's not earning a positive economic profit. Thus, the economic profit is zero in this scenario.
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Is it necessary to allocate resources?
Answer:
It depends on the context.
Explanation:
In the example of a government allocating resources to the country then yes. They would set budgets/allocate certain amount of resources to ensure there is enough resources for each department.
This is similar to how we manage finances on a daily or monthly basis (?) e.g. our parents give us pocket money every day so we have a limited funding and do not overspend
We then decide what we want to spend our money (allocating resources) on so we can get what we want to buy or what we want to save
Both employer and employee are responsible for paying a set percentage of the employee's earnings. What is the name of this payroll tax? Select one: a. Federal Insurance Contributions Act withholdings b. Family Medical Leave Act withholdings c. Employee Retirement Income Security Act withholdings d. Consolidated Omnibus Budget Reconciliation Act withholdings
The payroll tax that is responsible for the employer and employee paying a set percentage of the employee's earnings is known as "Federal Insurance Contributions Act withholdings". Option A is the answer.
The Federal Insurance Contributions Act (FICA) is a payroll tax levied on both workers and employers in the United States to fund Social Security and Medicare programs. The amount of FICA tax withheld from an employee's paycheck is determined by the employee's income and the current FICA tax rate.
The employer and employee each contribute half of the total FICA tax, which is a set percentage of the employee's gross earnings.The Federal Insurance Contributions Act withholdings option (a) is the correct answer to the given question.
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officials trainers, and sport psychologists are examples of
Officials, trainers, and sport psychologists are all examples of professionals who work in the field of sports. Each of these professionals play a unique role in ensuring that athletes are performing at their best both physically and mentally.
Officials are responsible for enforcing the rules of the game and ensuring fair play. They have extensive knowledge of the rules and regulations of the sport, and make important decisions during the game.
Trainers work with athletes to help them build strength, improve endurance, and prevent injuries. They design individualized training programs for athletes based on their specific needs, and help them to achieve their goals.
Sport psychologists help athletes to improve their mental game and cope with the pressures of competition. They provide guidance on techniques for managing anxiety, enhancing focus and concentration, and developing effective coping strategies.
Overall, officials, trainers, and sport psychologists all play critical roles in supporting athletes in their pursuit of success. Their expertise and guidance can help athletes to perform at their best, both on and off the field.
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