how many discount points will a lender charge the borrower if they want a 15% loan and the current rate is 15.75%?
Answers
6 discount points will a lender charge the borrower if they want a 15% loan and the current rate is 15.75%.
What is Mortgage borrowers?Mortgage debtors can acquire discount points, a sort of prepaid interest or fee, to reduce the amount of interest on their incoming monthly payments. In essence, they spend more now in order to save later. Tax deductions are allowed for discount points.
Mortgage debtors can acquire discount points, a form of prepaid interest, to lower the interest rate on their upcoming monthly payments. When a mortgage is first set up or refinanced, the upfront cost of discount points is paid.
Thus, 6 discount points.
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Related Questions
for which person would renting a home be a better option than getting a mortgage?
Answers
Answer:
Someone who wants ro avoid spending time and money on maintenace
Explanation:
How do plants obtain the water required for photosynthesis?
Answers
Answer:
from their roots
Explanation:
the roots dig into the ground and absorb water for the plant
Answer:
they obtain their water from the roots of the plant and roots take the water from the soil.
QUESTION 1 of 10: Large-cap stocks have a market capitalization of:
0 0 0 0
a) Between 300 million and 2 billion
b) Between 10 billion to 200 billion
c) Between 200 billion and 500 billion
d) Between 500 billion and 900 billion
Answers
To be part of the supply for a good, a producer must be
A. Only willing to supply the good
B. Only able to supply the good
C. Both are able and willing to supply the good
D. Both are able and willing to supply the good, and have already identified a buyer
E. Both able and willing to supply the good, and have already sold the good
Answers
Answer:
D. Both are able and willing to supply the good, and have already identified a buyer
state five Forest reserve in Ghana
Answers
Answer:
Akrabong, Obotoumfo, Abasumba, Ahirasu Nos one and two
What should you do before making a budget?
Answer: Review your financial history
Answers
Answer:
I think you are mistaken
Explanation:
If you are new to brainly, you are supposed to ask questions and then others provide answers. Then people looking for results search up stuff and see q and a between you and whoever answered.
Answer:
C
Explanation:
Review your financial history.
Can someone pls solve 2.10 for me ?
Answers
Answer:
A, B, F
Explanation:
Molzahn Corporation is a manufacturer that uses job-order costing. The company closes out any overapplied or underapplied overhead to Cost of Goods Sold at the end of the year. The company has supplied the following data for the just completed year:
Estimated total manufacturing overhead at the beginning of the year $481,250
Estimated direct labor-hours at the beginning of the year 35,000 direct labor-hours
Results of operations:
Actual direct labor-hours 40,000 direct labor-hours
Manufacturing overhead:
Indirect labor cost $ 179,000
Other manufacturing overhead costs incurred $ 465,000
Answers
Answer:
The results are below.
Explanation:
First, we need to calculate the predetermined overhead rate:
Predetermined manufacturing overhead rate= total estimated overhead costs for the period/ total amount of allocation base
Predetermined manufacturing overhead rate= 481,250 / 35,000
Predetermined manufacturing overhead rate= $13.75 per direct labor hour
Now, we allocate overhead based on actual hours:
Allocated MOH= Estimated manufacturing overhead rate* Actual amount of allocation base
Allocated MOH= 13.75*40,000
Allocated MOH= $550,000
Finally, the under/over applied overhead and the closing to cost of goods sold:
Under/over applied overhead= real overhead - allocated overhead
Under/over applied overhead= 644,000 - 550,000
Underapplied overhead= $94,000
When overhead is underapplied, we need to debit the cost of goods sold.
COGS 94,000
Manufacturing overhead 94,000
inflation is one reason why a dollar today is worth more than a dollar in the future. true/false
Answers
The given statement Inflation is one reason why a dollar today is worth LESS than a dollar in the future is False because, Inflation refers to the general increase in prices and decrease in the purchasing power of money over time.
As prices for goods and services rise, the value of money decreases, making it less valuable in the future compared to its present value.
The main factors contributing to inflation include increased demand for goods and services, higher production costs, and expansionary monetary policies. When the demand for goods and services increases, suppliers often raise prices to balance the demand. Additionally, when production costs rise, businesses may pass those costs onto consumers, leading to higher prices. Lastly, when a central bank implements expansionary monetary policies, such as decreasing interest rates or increasing the money supply, it can lead to increased spending and a rise in prices.
As a result of inflation, individuals and businesses may find it more difficult to plan for the future, as the purchasing power of money decreases over time. This is why financial advisors often encourage people to invest in assets that can potentially outpace inflation, such as stocks, real estate, or other investments, to maintain or increase the value of their money in the long term.
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i am very confused on this part of the assignment it kinda makes no sense to me.
Answers
The resultant effects on he books in Financial Accounting of the activities on the left result in the triggers on Assets and Liabilities etc on the right.
What is the Match or result of the above-given activities on the Left?Issued common stock to investors in exchange for cash received from investors. - Increase in assets and increase in equity.Paid monthly rent. - Decrease in assets and decrease in equity.Received cash from customers when service was performed. - Increase in assets and increase in equity.Billed customers for services performed. - Increase in assets and increase in equity.Paid dividends to stockholders. - Decrease in assets and decrease in equity.Incurred advertising expense on account. - Increase in expenses and increase in liabilities.Received cash from customers billed in (4). - Increase in assets and decrease in accounts receivable.Purchased additional equipment for cash. - Increase in assets and decrease in cash.Purchased equipment on account. - Increase in assets and increase in liabilities.Learn more about Financial Accounting:
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When a firm has many potential competitors and tries to develop a marketing strategy to differentiate its products from the competitors' products, a(n)
Answers
Answer:
na buang ka ayaw ko ug pangutana
Almost all financial theory and decision models assume that the financial markets are efficient. The informational efficiency of financial markets determines the ability of investors to "beat" the market and earn excess (or abnormal) returns on their investments. If the markets are efficient, they will react rapidly as new relevant information becomes available. Financial theorists have identified three levels of informational efficiency that reflect what information is incorporated in stock prices.
Identify the form of capital market efficiency under the efficient market hypothesis described in the following statement:
Current market prices reflect all information contained in past price movements.
This statement is consistent with:
Strong form efficiency
Semistrong form efficiency
Weak form efficiency
Answers
The Correct option (b) semistrong form efficiency
Finance theory is a broad field that includes both speculation and mathematical calculations used to determine investment strategies and monetary value estimates. Finance theories are also used to develop fundraising and capital creation plans, as well as to manage financial risk.
The efficient market hypothesis (EMH), the relationship between risk and return based on the Capital Asset Pricing Model (CAPM), the Modigliani-Miller theorems (M&M), and the Black-Scholes-Merton approach to option pricing are all part of modern finance's conceptually unified theoretical core.
Financial theory provides simplification, an opportunity to understand the impact of financial decisions in a constrained environment, insight into real-world problems, a framework for problem analysis, and a foundation for building more complex models.
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who is the father of accounting
Answers
Answer:
Luca PacioliExplanation:
He first described the system of double-entry bookkeepingn 1494
Answer:
Luca Pacioli is regarded as the Father of Accounting.
Explanation:
what is the impact of atm on banking sector?
Answers
Answer:
Explanation:
ATM s are of great use to the banks as the reduce the number of people storming the banks for withdrawal of money as well as deposit of money it reduces cost of operation and from customer point of view it is available easily near by hence travelling further distance to the bank is not required
ATMs are one of the most convenient services provided by the banks to customers. It is beneficial to banks as it is to its customers. It helps banks to save cost and time in withdrawing money and various other services which are now provided by ATM.
Automated teller machines, or ATMs as they are more commonly referred to, are a convenient way to conduct one-on-one transactions quickly and easily. One can do self-serviced transactions with these machines without a physical teller's aid or a trip to the bank branch. Cash withdrawals, cash deposits, and fund transfers are just a few of the many transactions possible with automated teller machines, or ATMs. Although the majority of customers only use ATMs to withdraw cash, these additional transactions make the service more effective.
With the advent of the ATM, users' financial lives became simpler because they could now perform simple transactions on their own with the aid of an ATM, which was much more practical than often visiting the bank. The ability for users to transact between banks is another significant advantage of an ATM. This means you can still use basic services like cash withdrawals from the ATM even if you don't have an account with the bank that runs the machine. Again, this saves you time and comes in handy in an emergency because you won't need to go to the ATM at your bank every time you need a quick infusion of cash. ATM helps banks operate more cheaply by lowering the number of human operations. The ATM provides service 24 hours a day which means customers can avail of money and other services at any time of the day.
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severely affecting the health of miners, workers and surrounding communities.
Answers
Mining operations can have detrimental effects on the well-being of miners, workers, and communities living in close proximity.
The process of mining can result in environmental contamination through the release of harmful substances such as heavy metals and chemicals, which can contaminate water sources and pose health risks to nearby communities. Additionally, the dust, noise, and vibrations produced during mining activities can lead to respiratory issues, hearing loss, and other health complications for both workers and residents in the vicinity. Furthermore, the use of heavy machinery and explosives increases the potential for accidents and injuries among workers and nearby communities. To mitigate these risks and safeguard human health and the environment, it is imperative to enforce stringent regulations and implement robust safety measures in mining operations.As a result, implementing stringent regulations and safety protocols becomes imperative in order to mitigate these risks effectively and safeguard the well-being of individuals and the environment.
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what is cantonal tax in switzerland?
Answers
Answer:
Explanation:
On cantonal level, tax rates varies heavily, Obwalden adapted a 1.8% flat tax on all personal income following a cantonal referendum in 2007. In most cantons, the rate is proportional with a maximum rate of 6.5% in Bern, whereas in Zurich it was 13% and in Geneva 17.58-. 76%
If the liabilities of a business are Rs.7,50,000 and the capital is Rs. 8,50,000. Find the total assets.
Answers
Rs 1600000
Explanation:
accounting equation= asset= liability+capital
Six importance of transportation to commerce
Answers
Transportation carries necessary raw materials to factory for production of goods and supplies finished goods to consumers. It creates place and time utility of goods by transporting from one place to another. It easily carries finished to the hands of those who need and use them.
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\(darkprincess\)
#carryonleraning
Answer:
there ar some of the importances
The following information has been taken from the job order cost system, used by SALEEM CORPORATION:
Job No.
Balance March 1
Production Cost in March
15
Rs. 150,000
---
16
170,000
---
17
50,000
Rs. 130,000
18
70,000
150,000
19
----
240,000
20
----
150,000
21
----
90,000
During March Job No. 17, 18 & 19 were completed, and job No. 15, 16 and 17 were sold on account at 40% above cost.
REQUIRED:
i) Cost of finished goods inventory – beginning
ii) Cost of goods in process inventory – beginning
iii) Cost of finished goods inventory – ending
iv) Cost of goods in process inventory – ending
v) Cost of goods manufactured
vi) Cost of Goods sold
vii) Sales
Answers
Answer:
i) Details Amount Rs
Cost of Job No.15 150,000
Cost of Job No.16 170,000
Cost of finished goods inventory - beginning 320,000
ii) Details Amount Rs
Cost of Job No.17 50,000
Cost of Job No.18 70,000
Cost of goods in process inventory - beginning 120,000
iii) Details Amount Rs
Cost of Job No.18 220,000 (70000+150000)
Cost of Job No.19 240,000
Cost of finished goods inventory - ending 460,000
iv) Amount Rs
Cost of Job No.20 150,000
Cost of Job No.21 90,000
Cost of goods in process inventory - ending 240,000
v) Amount Rs
Total Production Cost incurred in March 760,000
(130000+150000+240000+150000+90000)
Add: Cost of goods in process inventory - beginning 120,000
Less: Cost of goods in process inventory - ending 240,000
Cost of goods manufactured 640,000
vi) Amount Rs
Cost of goods manufactured 640,000
Add: Cost of finished goods inventory - beginning 320,000
Less: Cost of finished goods inventory - ending 460,000
Cost of Goods sold 500,000
vii) Sales = Cost of goods sold * 140%
Sales = 500000*140%
Sales = Rs. 700,000
Do you think drinking water can development of a country? help in the
Answers
Answer:
no because you need a lot more to a country then water.
Hope This Helped
A fad shifts the demand curve for a toy to the right. When the fad ends, the demand curve will shift back to the left. How are these shifts likely to affect the toy manufacturer's demand for labor?
Answers
The shifts in the demand curve directly affect the demand for labor for the toy manufacturer which means the rightward shift in the demand curve requires more labor whereas the leftward shift requires less labor.
What do you mean by labor?Labor also called human labor is the workforce who are engaged in the production of a product. The requirements of the labor totally depend on the demand for the product.
When the demand curve shifts toward the right that means the demand for the toys getting increases which leads to more requirements for human labor and when the demand curve moves towards the left, this means a decrease in demand for toys which results in lesser requirements for human labor. This shows a direct effect on the manufacturer of toys regarding the demand for labor.
Therefore, the changing of shifts will affect the manufacturer's demand for labor in a direct manner.
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help me please
You are putting on a theater production. Which of the following should be a consideration when you get ready to choose the script?
The size of the theater/stage
The demographics of the audience
The topic/popularity of the script
All of the above
Answers
Answer:
The topic/popularity of the script
Explanation:
When you are writing a script, you WILL NEED TO consider the topic/popularity of the script.
Hope it help! ;)
Using the numerical example in problem 5, assume now that foreign limits immigration, so that only three workers can move three from home. calculate how the movements of these three workers affects the income of five different groups: a. workers who were originally in foreign. b. foreign landowners. c. workers who stay in home . d. home landowners. e. the workers who do move .
Answers
Option (a) workers who were originally in foreign is correct.
The following effect will occur first when only three employees are allowed to go from home to foreign, the number of focus in foreign grows to five as a result: workers who were originally in foreign.
What is foreign limit immigration?The United States Congress passed the first immigration statute with severe restrictions in 1917. This law, which featured numerous crucial elements that opened the way for the 1924 Act, was made possible by the uncertainty about national security created during World War I.According to several visa categories under the INA, the United States may issue up to 675,000 permanent immigrant visas annually. The INA places no cap on the annual admission of spouses, parents, and children under 21 who are citizens of the United States, in addition to the 675,000 visas already allotted for that purpose.Here when foreign bans immigration, there is free movement of labor from home so that only three workers can move from home to their. Module labor productivity declines The true wage Falls spans the age range of 8 to 16.Learn more about limit immigration here:
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Stella places a market order with her broker to buy 1000 shares of One World Corp. The broker buys 1000 shares at $15.90 each, and sells them to Stella at $16.05 each. He also charges commission of $12.00. What is bid-ask spread in this case? O A. $162 O B. $150 O C. $120 OD. $210
Answers
The bid-ask spread in this case is: $0.15 per share.
The bid-ask spread is the difference between the highest price a buyer is willing to pay (bid) and the lowest price a seller is willing to accept (ask) for a particular security. In this case, the broker bought the shares at a bid price of $15.90 each and sold them to Stella at an ask price of $16.05 each, resulting in a bid-ask spread of $0.15 per share.
To calculate the total cost to Stella, we can first find the total cost of the shares without commission, which is:
Total cost = 1000 x $15.90 = $15,900
Adding the commission of $12.00, the total cost becomes:
Total cost = $15,900 + $12.00 = $15,912.00
Stella's cost per share can be calculated as:
Cost per share = (Total cost + Commission) / Number of shares
Cost per share = ($15,912.00) / 1000 = $15.91
Therefore, the broker bought the shares at a bid price of $15.90 each, sold them at an ask price of $16.05 each, resulting in a bid-ask spread of $0.15 per share, and Stella paid a total cost of $15,912.00, or $15.91 per share.
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Stella places a market order with her broker to buy 1000 shares of One World Corp. The broker buys 1000 shares at $15.90 each, and sells them to Stella at $16.05 each. He also charges commission of $12.00. What is bid-ask spread in this case?
why is pheophytin an important component of photosystem ii?
Answers
Pheophytin is an important component of Photosystem II (PSII) due to its role in the light-harvesting and electron transfer processes of photosynthesis. It serves as the primary electron acceptor in PSII and plays a crucial role in the conversion of light energy into chemical energy.
Pheophytin is responsible for receiving the excited electrons from chlorophyll molecules and transferring them to the electron transport chain, initiating the flow of electrons that ultimately leads to the production of ATP and NADPH, which are essential for the synthesis of glucose and other organic compounds during photosynthesis.
Pheophytin is a chlorophyll molecule that lacks the central magnesium ion present in chlorophyll. This modification makes pheophytin an ideal molecule for accepting high-energy electrons during the light-capturing process of photosynthesis.
When light energy is absorbed by chlorophyll molecules in PSII, the energy excites the electrons within the chlorophyll. Pheophytin acts as the primary electron acceptor, capturing the excited electrons from chlorophyll and preventing them from returning to their ground state.
This electron transfer initiates a chain of reactions, including the oxidation of water, the release of oxygen, and the generation of ATP and NADPH. Without pheophytin, the transfer of electrons and the subsequent production of energy-rich molecules would be disrupted, impairing the overall process of photosynthesis.
Therefore, pheophytin plays a crucial role in capturing and channeling energy in PSII, contributing to the efficient conversion of light energy into chemical energy in plants and algae.
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According to the video, what are some qualities needed by Computer Support Specialists? Check all that apply.
physical strength and fitness
graphic design skills
patience and understanding
knowledge of computers and software
verbal and written communication skills
marketing and sales skills
Answers
Answer:
patience and understanding
knowledge of computers and software
verbal and written communication skills
Explanation:
Just answered it on edge
Some qualities needed by Computer Support Specialists are as follows:
patience and understandingknowledge of computers and softwareverbal and written communication skillsSo, the correct options are C, D and E.
Who are Computer Support Specialists?A computer support specialist is also commonly known as an IT specialist, network technician, tech support specialist, or network specialist. Computer support specialists refer to those providing assistance and guidance to individuals or organizations that are using computer software or equipment are new-age professionals also known as computer network support specialists.
Their job is to support the information technology employees working in their organization. Computer support specialists are assigned a variety of responsibilities that differ depending on whether they provide network or direct user support.
Therefore, the correct options are C, D and E.
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3.Green Planet Pty Ltd was incorporated to research and develop a new technology to produce biodegradable plastic from seaweed. After making losses for several years, a venture capital company purchased 60% of the shares in the company. The company then discovered that the "seaweed to plastic" technology can also be used to make an organic fertiliser. This new product contributed 40% of the turnover of the company, which turned around and made a profit in the current income year. Advise whether the company can use the carry forward losses in this income year.
Answers
Green Planet Pty Ltd may be able to use the carry forward losses in the current income year, but further analysis of the specific tax laws and regulations is required to confirm this.
The company can potentially use the carry forward losses in the current income year. Carry forward losses allow a company to offset its current year's profits with losses incurred in previous years. In this case, Green Planet Pty Ltd had been making losses for several years before the venture capital company purchased 60% of its shares.
The discovery of a new product, the organic fertilizer made from the "seaweed to plastic" technology, contributed 40% of the company's turnover and resulted in a profit in the current income year.
To determine whether the company can use the carry forward losses, it is important to consider the applicable tax laws and regulations in the jurisdiction where the company operates. Some jurisdictions allow companies to offset current-year profits with carry forward losses, while others may have limitations or specific criteria that need to be met.
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Based on the information provided, the company Green Planet Pty Ltd was initially incorporated to research and develop a new technology for producing biodegradable plastic from seaweed.
After experiencing losses for several years, a venture capital company purchased 60% of the company's shares. Later on, the company discovered that the technology could also be used to produce an organic fertilizer, which contributed 40% of the company's turnover. As a result, the company turned around and made a profit in the current income year.
Now, let's address the question of whether the company can use the carry forward losses in this income year.
When a company incurs losses, it can often carry forward those losses to offset against future profits. This means that the company can use the losses from previous years to reduce its taxable income in the current year, potentially resulting in a lower tax liability.
However, whether the company can use the carry forward losses in the current income year depends on the tax laws and regulations in the specific jurisdiction where the company operates. Different countries have different rules regarding the treatment of carry forward losses.
To determine whether Green Planet Pty Ltd can use its carry forward losses in the current income year, it is necessary to consult the tax laws and regulations applicable to the company's jurisdiction. These laws will outline the specific criteria and limitations for utilizing carry forward losses. Additionally, it is advisable for the company to seek guidance from a tax professional or accountant who is familiar with the local tax laws.
In summary, the company's ability to use the carry forward losses in the current income year depends on the tax laws and regulations in its jurisdiction. It is recommended to consult a tax professional or accountant to determine the specific rules and requirements for utilizing carry forward losses.
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When considering SWOT analysis, what is an example of an organizational weakness?
O Strong financing
O Skilled workforce
O Obsolete technology
O Minimal competition
Answers
When considering SWOT analysis, what is an example of an organizational weakness?
O Strong financing
O Skilled workforce
O Obsolete technology
O Minimal competition
question content areaautomobiles generally have a 3-year cost recovery period under the modified accelerated cost recovery system (macrs). true false
Answers
Areaautomobiles generally have a 3-year cost recovery period under theModified Accelerated Cost Recovery System (MACRS).The given statement is true because they are classified as 5-year property according to the tax code.
This means that they are subject to a 5-year depreciation schedule, which is modified by the MACRS system. The MACRS system uses a method called double-declining balance depreciation, which results in a higher depreciation expense in the early years of the property's life and a lower expense in the later years. This is designed to provide a more accurate reflection of the property's declining value over time.
However, the system also includes a provision called the half-year convention, which assumes that property is placed in service halfway through the first year of ownership. This means that the first year of depreciation is calculated using only half of the full-year depreciation rate, resulting in a 3-year recovery period for automobiles. Overall, the 3-year recovery period is intended to provide a reasonable estimate of the useful life of an automobile for tax purposes. So therefore the answer is true.
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Julie and Kristen are partners in a local sporting good store. They needed $51,000 to start the
business. They invested in the ratio of 3:10 respectively. How much money did each invest?
What percent is owned by Kristen?
Answers
3eyy1ggh mi y
1uj gyrju3hxif2 2x ce I I b I 6x9
3/10=x/51000
X=15,300, Julie
51,000-15,300
35,700, Kristen
70% is owned by Kristen