Borrowing money to pay for expensive items like student loans and home mortgages with the intent to pay it back in fixed monthly payments is called amortization.
Amortization is a financial concept that refers to the act of paying off a debt over time. This is typically done through fixed monthly payments that include a portion of both the principal amount borrowed and the interest accrued on the loan.Amortization is most commonly associated with long-term debts, such as mortgages and student loans, which require regular payments over an extended period of time. However, it can also be applied to other types of loans, such as car loans and personal loans.The main advantage of amortization is that it allows borrowers to budget and plan for their payments over time.
By knowing exactly how much they owe each month and how long it will take to pay off the loan, borrowers can make informed financial decisions and avoid falling into debt traps.
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a broker has the buyer's earnest money deposit deposited in an escrow account. the amount of the deposit exceeds the amount of the broker's commission for the sale. the broker may remove his commission on this sale only: select one: a. when the buyer moves into the property. b. when the seller moves out of the property. c. when the closing is completed. d. whenever the seller says it is ok to do so
A broker has the buyer's earnest money deposit deposited in an escrow account. the amount of the deposit exceeds the amount of the broker's commission for the sale. the broker may remove his commission on this sale only when the closing is completed.
Commissions are a shape of variable-pay remuneration for offerings rendered or merchandise offered. Commissions are a commonplace way to encourage and reward salespeople. Commissions also can be designed to inspire specific income behaviors. For example, commissions may be decreased while granting big reductions. Or commissions can be increased while promoting certain merchandise the company desires to promote. Commissions are normally carried out inside the framework of income incentive software, which could include one or a couple of fee plans (each typically based totally on an aggregate of territory, role, or products). Payments have regularly calculated the usage of a percent of sales.
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Infection by Yersinia pestis can result in a characteristic lesion that is called: Group of answer choices oozing abscesses in the intestinal wall a chancroid a soft chancre petechiae a bubo
Infection by Yersinia pestis can result in a characteristic lesion called a bubo. A bubo is a swollen and painful lymph node, typically found in the groin, armpit, or neck region.
When a person is infected with Yersinia pestis, the bacteria can enter the body through the bite of an infected flea or through direct contact with contaminated fluids or tissues. Once inside the body, the bacteria multiply and spread through the lymphatic system, causing inflammation and enlargement of the nearby lymph nodes.
The bubo is the body's immune response to the infection. It represents a localized accumulation of immune cells, such as lymphocytes and macrophages, as they try to fight off the invading bacteria. The bubo is often accompanied by other symptoms, such as fever, fatigue, and malaise.
If left untreated, Yersinia pestis infection can progress to a severe form known as bubonic plague, which is characterized by systemic symptoms and can be life-threatening. Prompt medical intervention, including antibiotic treatment, is crucial to control the infection and prevent complications.
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I need q 4 and 5 please:)
The individual that is likely to have the highest credit score is the one who
pays the minimum balance on a credit card each month.
O has no credit cards and uses a debit card to pay bills.
O has two credit cards and pays the full balance on each card each month.
uses a parent's credit card and repays the parent for charges each month.
The individual that is likely to have the highest credit score is the one who
has two credit cards and pays the full balance on each card each month. Option C
What is credit score about?Your likelihood of making timely loan payments is predicted by your credit score. It is generally true that paying the minimum balance on a credit card each month will not have a positive effect on a person's credit score.
In fact, it could have a negative impact because it can indicate to lenders that the borrower is struggling to pay their debts and is potentially at higher risk of defaulting on a loan.
Hence, paying the full balance on a credit card each month can have a positive impact on a person's credit score because it demonstrates responsible credit use and the ability to pay off debts in a timely manner.
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What is the difference between a debit card and a cash card? A. A debit card is less secure than a cash card.  B. A cash card can only be used in certain stores.  C. A cash card is not tied to a bank account.  D. A debit card carries no spending limits.
Answer:
C. A cash card is not tied to a bank account.
Explanation:
The difference between the debit cash and a card is that a cash card is not tied to a bank account.
What is a cash card?A cash card is a term for the payment that stores the cash, gift, and prepaid debts. The credit card is not consider to be a cash card and the is a conviennet way of the shareholders to make electronic payments.
The square cash card offers an app for making cash card payments. It allows the users to make transactions through the user's account and is unique to Sutton bank.
Find out more information about the cash card.
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Leadership development is the process which helps expand the capacity of individuals to perform in leadership roles within organizations. Leadership roles are those that facilitate execution of an organization's strategy through building alignment, winning mindshare and growing the capabilities of others.
Mentoring, training and organizational planning, with individual activities such as job rotation, job shadowing and project leadership, are often components of effective leadership development programs.
If you were to design the perfect leadership development plan, what would your design include? How would you know whether it was effective?
An effective leadership development program should be designed with certain components such as mentoring, training, organizational planning, job rotation, job shadowing, and project leadership.
1. Identify leadership skills and competencies: The first step in developing a leadership development program is to identify the leadership skills and competencies that are needed. This can be done through a job analysis or by looking at successful leaders within the organization.
2. Create a leadership development plan: Once the leadership skills and competencies have been identified, a leadership development plan can be created. This plan should include mentoring, training, and organizational planning, as well as individual activities such as job rotation, job shadowing, and project leadership.
3. Implement the plan: The next step is to implement the leadership development plan. This can be done through workshops, seminars, and coaching. It's important to provide opportunities for participants to practice their skills in real-life situations.
4. Evaluate the program: Finally, the effectiveness of the leadership development program should be evaluated. This can be done through feedback from participants and their managers, as well as through performance reviews. If the program is effective, participants should show improvement in their leadership skills and competencies.
Overall, a successful leadership development program should help expand the capacity of individuals to perform in leadership roles within organizations. It should facilitate execution of an organization's strategy through building alignment, winning mind share and growing the capabilities of others.
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Do you like it? Should I add it as my background?
Answer:
yeah it's pretty and you should add it but the picture is a little grainy so i would suggest finding a similar photo (or the same one) but less grainy
Explanation:
Answer:
omg!! yass
Explanation:
At December 31, 2017, before any year-end adjustments, Janus Company's Prepaid Insurance account had a balance of $2,800. It was determined that $1,200 of the Prepaid Insurance had expired. Which of the following is the correct adjusted balance for Prepaid Insurance at December 31, 2017?
a. $1,200.
b. $2,700.
c. $1,900.
d. $1,500.
Answer:
$1,600
Explanation:
Calculation for the adjusted balance for Prepaid Insurance at December 31, 2017
Based on the information given we were told that the company Prepaid Insurance account had a balance of the amount of $2,800 in which the of $1,200 of the Prepaid Insurance had expired this means that the correct adjusted balance for Prepaid Insurance at December 2017 will be calculated as:
Prepaid Insurance balance $2,800
Less Expired Prepaid insurance $1,200
Adjusted balance of prepaid insurance$1,600
Therefore the correct adjusted balance for Prepaid Insurance at December 2017 will be $1,600
why do firms grow in economics
Explanation:
Firms grow in order to achieve their objectives, including increasing sales and maximising profits
It is said that there are a number of steps in designing an effective service system which include a) Establishing procedures to be followed in case of service failure b) Identifying failure-prone areas can be enabled by a service blueprint technique c) Obtaining feedback from the customers and continuous review of service delivery d) Defining and incorporating service standards and explicitly communicating them to the customers e) Empowerment enabled through training and other HR practices List them in the right order.
Answer is in a file below
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2. Explain the public sector innovation and innovation in third
sector
2. Public Sector Innovation: Public sector innovation refers to the development and implementation of new ideas, processes, policies, or practices within government organizations or agencies.
Public sector innovation can manifest in various forms, including technological advancements, policy reforms, organizational changes, and collaborative approaches. It involves fostering a culture of experimentation, openness to new ideas, and continuous improvement within public institutions. This can be achieved through promoting knowledge sharing, providing resources for experimentation, and encouraging stakeholder involvement.
Innovation in the Third Sector:
Innovation in the third sector, also known as the nonprofit or voluntary sector, refers to the development and application of new approaches, strategies, or interventions to address social, environmental, or community challenges. The third sector includes organizations such as charities, NGOs, community groups, and social enterprises.
Innovation in the third sector often arises from the unique nature of these organizations, driven by their mission to create positive social impact rather than maximizing profits. It involves finding innovative solutions to complex social problems, mobilizing resources, and engaging with diverse stakeholders to achieve desired outcomes.
Innovation in the third sector can take various forms, including the development of new service models, collaboration with other sectors, social entrepreneurship, and the use of technology for social good. It involves adapting and responding to evolving societal needs, leveraging community knowledge and expertise, and engaging in creative problem-solving to create sustainable social change.
Both public sector innovation and innovation in the third sector play crucial roles in driving social progress , addressing societal challenges, and improving the well-being of communities. They contribute to the development of more responsive, efficient, and inclusive systems and services that benefit individuals, organizations, and society as a whole.
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personal finance question,, think its a or b??? i second guess myself alot lol
Answer: C
Explanation:
Answer:
It is either B or C. But, C is most reasonable.
In your job application, you must sound professional so they actually think about hiring you, or by sounding professional, it gives you a higher chance of getting the job.Why I think it's B is because it's quite helpful having a paper and online copy. But it's not essential. Having either or is enough.I hope this helped at all.
You+are+buying+zucchini+at+$1.20+a+pound,+but+you+must+trim+12%+of+it+away+before+you+can+use+it.+how+much+would+the+cleaned+zucchini+cost+in+a+bread+recipe+that+calls+for+7+ounces?
The cleaned zucchini would cost $0.91 in a bread recipe that calls for 7 ounces. To calculate the cost of the cleaned zucchini, we need to follow these steps:
1. Calculate the weight of the zucchini after trimming: Since you must trim 12% of the zucchini away, you'll have 100% - 12% = 88% of the original weight. So, if you have 1 pound of zucchini, the weight after trimming will be 0.88 pounds (1 pound * 88%). Convert the weight to ounces: Since the recipe calls for 7 ounces of zucchini, we need to convert the weight after trimming from pounds to ounces.
There are 16 ounces in 1 pound, so 0.88 pounds is equal to 0.88 * 16 = 14.08 ounces. Calculate the cost of the cleaned zucchini: The zucchini is priced at $1.20 per pound. To find the cost for 14.08 ounces, we need to divide the price per pound by 16 (since there are 16 ounces in a pound) and then multiply it by 14.08.
$1.20 / 16 * 14.08 = $0.09 * 14.08 = $1.27
However, since we want the cost for 7 ounces, we need to divide this value by 2.
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Planning is the function of management that involves setting objectives and determining a course of action for achieving these objectives. Select one: True False
The statement is True, Planning is a crucial function of management that involves setting goals and objectives, analyzing the current situation, and determining the best course of action to achieve those goals.
It involves developing a strategy, identifying the resources required, and creating a roadmap for implementation. Effective planning requires a clear understanding of the organization's mission and vision, as well as its strengths and weaknesses.
Planning helps managers to anticipate potential problems and develop contingency plans, thus ensuring that the organization is well-prepared to face any challenges.
Without proper planning, organizations are likely to be directionless, with no clear sense of purpose or strategy for achieving their goals.
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Not offering ski equipment in a southern state is an example from what "chunk" of Marketing? a Channel Management b Marketing Information Management c Market Planning d Pricing e Promotion f Selling
Answer:
Market Planning
Explanation:
Marketing Planning are steps taken that consists of market situation analysis, analysis of marketing opportunities information, market and forecast, to develop a bases for objectives to achieve in the market structuring and advancing a marketing approach or strategy. As such the marketing plan are an outline of actions having a strategic base.
Examples of marketing planning includes;
1) Advertisement
2) Cause Marketing, that ties the offered product to a particular social cause or people policy or issue
3) Marketing by word of mouth
4) Marketing on the internet
5) Marketing based on relationship
please type what belongs in the highlighted squares
ill give brainliest
To get the total revenue for the fourth quarter add the revenue for the month that apply
October revenue + $500 000
November revenue + $425 000
December revenue + \(\\)860 000
the sum total is = 1,011,000
therefore the fourth quarter revenue is $1,011,000
To calculate EBITDA subtract the expenses from the revenue
Revenue $6500 000
Expenses - $5375 000
EBITDA = 1, 125, 000
therefore the EBITDA is $1, 125, 000
To calculate Total Market Capitalization, multiply the number of share by the price per share we divide the
Number of shares \(\\)2500 000
price per share x \(\\) 23 77
= $5,942500, 000
therefore the Total Market Capitalization is $5,942500, 000
To calculate the earning per share divide the earning by the number of shares
Earning $5000 000 / Number of shares $2500 000 = 2
therefore the earning per share is 2
What is EBITDA?The abbreviation. EBITDA for stands for earnings before interest, taxes, depreciation, and amortization in business. EBITDA is very vital in understanding a business's ability to generate cash flow for its owners and use for judging a company's operating performance.
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In your own words, what is a labor union? And how do they use collective bargaining, strikes,
boycotts, and picketing to gain power for their workers? (
man Services Workplaces and Tasks gnment Active Describing Work Activities for Clergy ick this link to view OZNETS Work Advies section for Clergy. Note that common activities are listed toward the pand less common activities are listed toward the bottom According to ONET, what are some common work developing objectives and strategies assisting and caring for others controlling machines and processes establishing and maintaining interpersonal relationships repairing and maintaining mechanical equipment interpreting the meaning of information for others
Answer:
According to ONET, common work activities for clergy include developing objectives and strategies, assisting and caring for others, establishing and maintaining interpersonal relationships, and interpreting the meaning of information for others. Less common activities include controlling machines and processes, and repairing and maintaining mechanical equipment.
Explanation:
Based on the ONET Work Advies section for Clergy, some common work activities include:
Developing objectives and strategies: Clergy may develop goals and objectives for their congregation, as well as strategies for achieving those objectives.
Assisting and caring for others: Clergy often provide emotional and spiritual support to members of their congregation, as well as offer guidance and counseling.
Establishing and maintaining interpersonal relationships: Clergy must build strong relationships with members of their congregation, as well as other clergy members and community leaders.
Interpreting the meaning of information for others: Clergy often read and interpret religious texts, and must be able to explain the meaning of those texts to others.
Some less common activities listed on the ONET website for Clergy include:
Controlling machines and processes: This may include using technology or other tools to enhance their religious services or work.
Repairing and maintaining mechanical equipment: While not a common activity, some clergy may be responsible for maintaining and repairing equipment or facilities at their place of worship.
Overall, the primary focus of a clergy member's work is to provide spiritual guidance and support to others, and to help build a strong sense of community within their congregation.
supply chain inventory: question 14 options: increases in cost as materials move downstream. decreases in value as materials progress downstream decreases in flexibility as materials progress upstream is governed by the bullwhip effect, which says a small change upstream can cause a large change downstream.
The bullwhip effect, which states that a little change upstream can result in a significant change downstream, accurately represents the supply chain inventory. Here option D is the correct answer.
The bullwhip effect refers to the phenomenon where small changes in customer demand can result in amplified fluctuations in inventory levels along the supply chain. The demand signal gets distorted as it moves upstream through the various tiers of suppliers and distributors, leading to inventory imbalances, stockouts, and excess inventory.
This effect is caused by factors such as a lack of coordination and communication between supply chain partners, inaccurate forecasting methods, and ordering and pricing policies that incentivize stockpiling or hoarding of inventory. The bullwhip effect can be detrimental to the efficiency and profitability of a supply chain, as it leads to higher costs, longer lead times, and lower service levels.
To mitigate the bullwhip effect, companies can implement strategies such as sharing information and data with supply chain partners, adopting demand-driven forecasting and replenishment practices, and using collaborative planning, forecasting, and replenishment (CPFR) techniques. These strategies can help improve supply chain visibility, reduce variability, and enhance coordination and trust between partners, leading to a more responsive and efficient supply chain.
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Complete question:
Which of the following statements accurately describes the supply chain inventory?
a) Increases in cost as materials move downstream.
b) Decreases in value as materials progress downstream.
c) Decreases in flexibility as materials progress upstream.
d) Governed by the bullwhip effect, which says a small change upstream can cause a large change downstream.
Which accounting concept is used in each of the following accounting treatment?
The cost of a tape dispenser has been charged to an expense account, although in fact it could still be in use in ten years’ time.
A sole proprietor has sold his private house, but has not recorded anything about it in the business records.
A debt has been written off as a bad debt even though there is still a chance that the debtor eventually may be able to pay it.
A machine has been bought for an exceedingly low figure,and it has been entered in the asset account at that figure even though it is worth more.
A motor van broke down in December , 2017. The repair bill for it was not until 2018 yet it has been treated as a 2017 expense.
The accounting concepts that provide guidance for recording the following business events are as follows. The business transactions are numbered from (a) to (e) below:
1) Materiality Concept is applied because the impact of the cost of the tape dispenser being "expensed" is not significant on the reader of the financial statement.
2) Entity Concept requires separation between the finances of the owner from the finances of the business. The business is a separate economic unit distinct from the sole proprietor.
3) Prudence Concept demands that expenses (like the bad debt written off) and liabilities are not underestimated and revenues and assets should not be overestimated.
4) Historical Cost Concept: Generally accepted accounting principles require the initial recognition of an asset at its purchase cost and not fair value.
5) Accrual Concept and Matching Principle: The accrual concept requires that expenses that have been incurred for a period should be accounted for in that period, whether cash payment is made or not. The matching principle states that expenses (Van Repair Expense) should be matched to the revenue that they generate.
Thus, accounting concepts are the basic assumptions, rule, and principles for recording business transactions and events and preparing accounts and financial statements.
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Which strategic plan model is useful for new or small firms?
Answer:
D. issues based
Explanation:
ap3x
59. Why don't workers in a Command Economy work hard?
a. Because they don't care about having money.
b. Because the business owners want them to be relaxed and calm.
C. Because they know they will get paid the same no matter how hard they work.
d. Because Mr. Coon and Mr. King aren't there to tell them to work harder.
Unit 2 The Free Enterprise Economy
A new pizza restaurant is opening in town. The owners of this restaurant decide to place an advertisement in the town newspaper announcing the date of their big opening. The owners of the restaurant are using ________. A) mass communications B) a push strategy C) word-of-mouth communications D) public relations
Answer:
Answer is A
Explanation:
They are trying to get the word out to many people so their business grows. So they are using mass communication to do so.
Select the false statement about a budget
A budget balances net income and expenses.
A budget provides input to financial planning.
A budget is an emergency fund.
A budget should be reviewed regularly.
what are the benefits of traditional Technology
Answer:
They dont cost like a thousand dollars.
Explanation:
Explanation:
They don't cost of thousand dollars.
Which of the following factors are important considerations when evaluating a business idea? (Check all of the boxes that apply)
Your personality
Location of business
Your finances
Your competition
Number of employees
The number of hours you will work weekly
Answer:
location of business
your finances
The table shows the terms of a fixed-rate mortgage.
Which accurately describes the terms of this mortgage? Check all that apply.
The homeowner is borrowing $360,000.
The monthly interest rate is 4 percent.
Monthly payments must be made for 30 years.
The annual interest rate is 4.8 percent.
The homeowner is borrowing $200,000.
Monthly payments must be made for 360 years.
The fixed-rate mortgage concept is used in home loans. Monthly payments for 30 years, the interest rate is 4.8%, and borrowing $200,000.
What is a fixed-rate mortgage?It is usually used in home loans with a fixed interest rate during the term of the loan. It is beneficial because once the rate of interest is fixed it is not influenced by the increase in the rate in the future.
C - Monthly payments for 30 years.
D - The interest rate is 4.8 % annually
E - borrowing $200,000.
Therefore, options C, D, and E explain the fixed-rate mortgage.
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help if you can thank you
Answer:
3rd one I'm pretty sure, if not then I'm srry lol
Explanation:
its common sense
On March 1, the board of directors declares a cash dividend to be paid on March 31 to stockhoiders of record on March 15 . On which date would the company record a credit to the Dividends Payable account? Multiple Choice
a. March 31
b. March 15
c. Dividends Payable is newer credited
d. March 1
The board of directors declares a cash dividend to be paid on March 31 to stockholders of record on March 15 . On which date would the company record a credit to the Dividends Payable account. The correct answer is d. March 1.
When the board of directors declares a cash dividend on March 1, they are making a formal announcement of their intention to distribute dividends to the shareholders. This declaration creates a legal obligation for the company to pay the dividends to the eligible shareholders.
At the time of the declaration, the company records an entry that debits the Retained Earnings account and credits the Dividends Payable account. The Dividends Payable account represents the amount of dividends that the company owes to its shareholders.
Therefore, on March 1, the company would record a credit to the Dividends Payable account. This entry reflects the company's liability to pay the declared dividends to the shareholders. The entry would typically be recorded in the company's accounting records as soon as the dividend declaration is made by the board of directors.
It's important to note that while the declaration of dividends and the actual payment of dividends occur on different dates, the accounting entry to record the liability is made at the time of the declaration. The payment itself is usually made at a later date specified by the company, in this case, on March 31.
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What is NOT a major purpose of orientation and socialization? A.. Contribute to the organization's bottom-line goals B. Maximize the potential for litigation with people who claim to be rejected on a discriminatory basis C. Ensure that the organization's financial investment in employees pays off D. Help hire and place applicants in the best interest of the organization and individual
Answer:
B. Maximize the potential for litigation with people who claim to be rejected on a discriminatory basis
Explanation:
Orientation in a new workplace is a term that describes a form of onboarding process which includes general or property related areas of the firm, like company standards and policies, firm culture, and job-specific aspects of responsibilities.
Also, Socialization in this regard is a form of arrangement, introduced to the values, norms, and behaviors that are required in order to be successful in the organization.
Hence, considering the available options, what is not a major purpose of orientation and socialization is option B: Maximize the potential for litigation with people who claim to be rejected on a discriminatory basis