if a financial intermediary buys loans from a mortgage company and then packages them to sell in the financial markets, this is known as

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Answer 1

If a financial intermediary buys loans from a mortgage company and then packages them to sell in the financial markets, this process is known as securitization.

In this process, the intermediary creates mortgage-backed securities (MBS) by pooling the loans together and selling them as an investment product to investors. This allows the mortgage company to free up capital to issue more loans and provides investors with a new investment opportunity backed by the cash flow generated from the mortgage payments. Securitization is the process of pooling various types of debt, such as mortgages, auto loans, and credit card debt, and packaging them together to create a new financial instrument that can be sold to investors. This process involves a number of steps, including the creation of a special purpose vehicle (SPV) that holds the underlying assets, the issuance of bonds or other securities that are backed by the assets held by the SPV, and the sale of these securities to investors.

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Related Questions

Write a paragraph about the financial impact of the coronavirus on our country. What evidence have you seen?

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Answer:

2.9 million more Americans have filed for unemployment, bringing the two-month total to more than 36 million. The US April unemployment rate has risen to a record 14.7%, with more than 20 million jobs lost last month.if more people keep being unemployed the world would be chaotic. And even worse millions can die from starvation and lose their homes.

Explanation:

If a company receives cash from a customer before performing services for the customer, then:.

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Answer:

assets increase and liabilities increase. ... individual accounting record of increases and decreases in specific asset, liability, and stockholders' equity items.

Toni Nicolet's
checking account balance on Monday, April 13, is $540; her savings balance is $980. On
Tuesday, April 14, she made an ATM withdrawal from checking of $86. On April 15, Toni plans to make
these online payments: income tax bill, $823, utility bill, $98, and charge account bill, $127. How much
money, if any, will Toni have to transfer into her checking account from savings to cover the online
payments and leave a balance of $50 in the checking account?

Answers

Answer:

$644

Explanation:

Toni has a balance of $540 on her checking account

She made an ATM withdrawal of $86

The balance on her checking account after withdrawal is

= $540 - $86

=$454

Toni intended to pay online payments on Arpril 15. The total of the payments

=$823 + $98 + $127

=$1048

It means Toni has a deficit of

=$454- $1048

=($594)

If Toni desires a balance of $50 after payments, she must withdraw 594+50 from the savings account.

=596 + 50

=$644

after the fed purchases securities worth $10 million from a commercial bank the commercial bank's balance sheet will show
Select one:
a. a decrease in securities held of $10 million and an increase in bank reserves of $10 million.
b. an increase in securities held of $10 million and a decrease in bank reserves of $10 million.
c. a decrease in securities held of $10 million and a decrease in bank reserves of $10 million.
d. an increase in securities held of $10 million and an increase in bank reserves of $10 million.

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After fed purchases securities worth $10 million from  commercial bank the commercial bank's balance sheet will  an increase in the securities held of $10 million and the increase in bank reserves of $10 million.

Which of the following describes a strategy the Fed can use to expand the money supply?

For instance, if the Fed purchases or borrows Treasury bills from commercial banks, it will deposit the funds into the reserve accounts that banks are obligated to maintain with the Fed. Thus, the money supply is increased.

Money supply increases when the Fed purchases bonds, right?

Bond purchases increase the amount of money available by putting cash into the money market. The central bank reduces the money supply and the money market by selling bonds when it wants interest rates to be higher.

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Which of the following is not something that will help you pay off credit card debt? a. Stop using your credit cards. B. Make extra payments when possible. C. Make a realistic budget to make regular payments and stick to it. D. Transfer existing credit card balances to credit cards with "low introductory rates. " Please select the best answer from the choices provided. A B C D.

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Answer:

A

Explanation:

Answer:

Answer is A

Explanation:

the bona fide occupational qualification (bfoq) defense: group of answer choices applies to intentionally discriminatory policies but not to neutral policies that result in discrimination permits race or color to be used as selection criteria, but only under circumstances where employers can make a very strong case for why that is necessary is the only means by which employers can avoid liability for facially discriminatory policies or practices all of the above none of the above

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The answer is "all of the above." The Bona Fide Occupational Qualification (BFOQ) defense is a legal doctrine that applies to intentionally discriminatory policies.

What is policies?

Policies are sets of rules, regulations and procedures that are established to guide an organization's activities and decision-making. Policies help to ensure that an organization's goals and objectives are accomplished in an efficient and consistent manner. Policies can cover a wide range of topics, from employee safety to customer service to environmental protection. By providing guidelines for how the organization should operate, policies help to create a cohesive and consistent organizational culture.

The answer is "all of the above." The Bona Fide Occupational Qualification (BFOQ) defense is a legal doctrine that applies to intentionally discriminatory policies, but not to neutral policies that result in discrimination. The BFOQ allows employers to use race or color as a selection criteria in certain circumstances, but only when the employer can make a strong case for why such criteria is necessary. It is the only means by which employers can avoid liability for facially discriminatory policies or practices.

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An electronics company is trying to decide how many new computers it should produce for export to China. Which factor would most likely cause the company to produce a large number of computers?​

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Answer: the chinese government recently lowered taxes on all foreign imports

Explanation:

just took the test

The factor that would most likely cause the company to produce a large number of computers is Chinese consumers believe that computer prices will rise in the future.

Determinants of supply

The determinants of supply are the factors that affect the supply of a good in an economy. The determinants of supply are technology, number of producers, price of raw material, price of other goods, consumer expectations, and so on.

For a company exporting computers to China, the determinants of supply will be:

1. Number of producers in China

2. Price of material in the home country.

3. Price of Chinese computers.

4. Expectations of Chinese consumers.

If the consumer expects the price of computers in China will rise, the demand for imported goods in China will rise. And the producer will export more goods to China.

Therefore the correct option is, Chinese consumers believe that computer prices will rise in the future.

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In year 1 the CPI is 174, and in year 2 the CPI is 190. If Sarah's salary was $49,800 in year 1, what salary in year 2 would cause her to exactly "keep up with inflation"

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Answer:

Salary in year 2 = $54,379.31

Explanation:

The Consumer price index is the weighted average of the cost of basket of good of goods and services consumed by a typical consumer in an economy. It is used to measure the rate of inflation rate.

A rise in the price index implies inflation

Inflation is the increase in the general price level. Inflation erodes the value of money.  

So we can determine the salary in the  year  2 as follows:  

2006 Salary in the base year terms=

CPI in the current year 2/CPI base year 1 × salary in the current year

190/174× 49,800 = 54,379.31

Salary in year 2 = $54,379.31

An explanation of how gdp and gnp is important in marketing and how they relate to the marketing process

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Answer:

The overview of the instance would be described throughout the following section.

Explanation:

Throughout economics, GDP has been utilized to measure the amount profitability of a company manufactured inside the borders of a nation. Whilst also GNP has been utilized to measure the amount of profit of an organization manufactured or organized by the nation's residents, regardless of geographic location.

The following is the trial balance of kencho sales located in Tabs, Thimphu as on 31st December 2019.You are required to prepare financial statements as at 31st December 2019.​

The following is the trial balance of kencho sales located in Tabs, Thimphu as on 31st December 2019.You

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Not sure but good luck

a competency based compensation program pays and rewards employees on the basis of ________.

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A competency-based compensation program pays and rewards employees based on their demonstrated competencies or skills rather than solely on job titles or years of experience.

The program is designed to align compensation with the specific abilities and behaviors required for successful job performance. Competencies can include a wide range of skills, knowledge, behaviors, and attributes that contribute to individual and organizational success. By focusing on competencies, the compensation program aims to recognize and reward employees for their actual performance and contribution to the organization. It promotes a performance-driven culture and encourages employees to continuously develop and improve their skills.

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Amanda borrowed $7000 from two sources: her parents and a credit union. Her parents charged 3% simple interest and the credit union charged 5% simple interest. If after 1 yr, Amanda paid $ 285 in interest, how much did she borrow from her parents, and how much did she borrow from the credit union? Part 1 of 2 Amanda borrowed s from her parents. DR 9 Part 2 of 2 Amanda borrowed 5! from the credit union.

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Amanda borrowed $3250 from her parents and $3750 from the credit union.

Let the amount Amanda borrowed from her parents be x and the amount she borrowed from the credit union be y.

According to the given information:

The interest charged by her parents is 3% of the amount borrowed, so the interest paid to her parents is 0.03x.

The interest charged by the credit union is 5% of the amount borrowed, so the interest paid to the credit union is 0.05y.

The total interest paid after 1 year is $285, the equation: 0.03x + 0.05y = 285.

Now, Amanda borrowed a total of $7000, so the equation: x + y = 7000.

By substitution method,

From the second equation, x = 7000 - y

Substituting this into the first equation: 0.03(7000 - y) + 0.05y = 285.

210 - 0.03y + 0.05y = 285.

0.02y = 75.

y = 75/0.02

y = 3750

Substituting this value of y into the equation x + y = 7000,

x + 3750 = 7000

x = 7000 - 3750 = 3250

Therefore, Amanda borrowed $3250 from her parents and $3750 from the credit union.

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which best deceived the nature of cause and effect in the context of the business cycle?

A. Each effect has other effects
B. Causes and effects cannot be easily defined
C. A cause has multiple independent effects
D. Each effect has a cause

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The option that best describes the nature of the cause and effect in the context of the business cycle is A. Each effect has other effects.
All markets economies go through periods when consumption-spending on goods and services rises. Consumers buy more, companies invest more, and production, income, profit and employment increase. These periods are always followed by periods when investment and spending fall, and unemployment rises. This is the business cycle.

Which of the following is a database system that has been designed and developed specifically for one operation?
representational
relational
proprietary
privatized

Answers

I believe it would be Privatized

T/F are the top three countries for generating spam. group of answer choices nigeria, the ukraine, and mexico the united states, china, and russia china, south africa, and germany

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Overall, Russian-based IPs were the source of 24.77 percent of all spam volume worldwide. With 14.12% of the global spam email share, Germany was second.

Spams are generated to affect the digital system of the countries. different countries generate spam to hack the system or to steal the data of local people. According to Kaspersky, spam about the 2016 Olympic Games in Brazil was very common: "Fraudulent notifications of lottery winnings linked to this popular athletic event were being detected already in 2015."

Although spam emails are down, Kaspersky warns that hazardous and fraudulent messages will rise, with mobile devices predicted to become "yet another weapon in the arsenal of hackers."

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which statement reflects the most probable impact on the prime interest rate of a change in the federal funds rate? the prime rate will move closer to the federal funds rate if the federal funds rate rises, and farther from it if the federal funds rate falls. the prime rate will move in the same direction as the federal funds rate. the prime rate will move in the opposite direction as the federal funds rate. the prime rate will move farther from the federal funds rate if the federal funds rate rises, and closer to it if the federal funds rate falls.

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The statement reflects the most probable impact on the prime interest rate of a change in the federal funds rate is the prime rate will move in the opposite direction as the federal funds rate.

The Federal Open Markets Committee (FOMC) sets the federal funds fee—also called the federal finances goal charge or the fed price range price—to manual overnight lending amongst U.S. banks. it's set as a variety among higher and decreased restrictions.

The federal price range rate is currently 3. seventy five% to four%. The Federal Reserve raised the goal variety for the federal budget price from 75bps to three.seventy-five%-four% at some point of its November 2022 meeting, marking a sixth consecutive fee hike and the fourth directly three-quarter factor increase, pushing borrowing fees to a brand new high on account that 2008.

The federal finance price is the target interest price set through the FOMC. this is the fee at which commercial banks borrow and lend their extra reserves to every different in a single day. The federal price range fee can impact brief-time period prices on customer loans and credit cards.

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A ___ is a Boolean variable that signals when some condition exists in the program. a. flag b. signal c. sentinel d. siren.

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A flag is a Boolean variable that signals when some condition exists in the program.

If a condition is satisfied, it is simple to "flag" a particular outcome by using BOOL in your decision-making procedures. When used in computers, the term "Boolean" refers to a result that can only be true or false. Boolean logic creates a value that can be either true or false by combining two statements or expressions with a logical operator. Operators like and, or, not, etc. are employed to return the result.

A Flag is a Boolean variable that alerts programmers when a certain circumstance occurs. If a flag is set to true, it denotes that a certain condition is present. When a flag is set to false, it denotes that a certain condition is not true.

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Label the parts of the Transactional Model. ​

Label the parts of the Transactional Model.

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Answer:

HOPE THIS HELP..PLZ MARK ME BRILLIENT

Explanation:

Label the parts of the Transactional Model.

When using graphs and charts, the salesperson should most likely:
A) assume the customer will understand them
B) move past them quickly
C) interpret them for the customer
D) assume the customer will read them after the presentation
E) bring only one or two hard copies, even when presenting for a group

Answers

When using graphs and charts, the salesperson should most likely interpret them for the customer.

Interpreting the graphs and charts for the customer helps ensure that the information is clearly understood and effectively communicated. Salespeople should not assume that customers will automatically understand the data presented in the graphs and charts.
Instead, they should take the time to explain the key points, highlight important trends or insights, and relate the information to the customer's specific needs or concerns.
By interpreting the graphs and charts, the salesperson can help the customer make informed decisions and see the value in the products or services being offered.
It is essential to engage the customer in a meaningful way and provide relevant context to enhance their understanding and decision-making process.

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Production Possibilities for
MP3 Players and Semi Trucks
MP3 Players Semi Trucks
0 5
8 4
19 3
28 2
35 1
40 0


Using the table above, a combination of 40 MP3 players and 4 semi trucks
is unattainable given the resources in the economy.
is attainable and efficient.
is attainable but inefficient.
is unattainable and inefficient.
is unattainable through trade with another nation.

Answers

Is unattainable given the resources in the economy. The table shows the maximum output for each combination of MP3 players and semi trucks, and 40 MP3 players and 4 semi trucks is not included in the given options.

What is MP3 players?

MP3 players are electronic devices that allow users to store, organize and play digital audio files. MP3 players are one of the most popular forms of digital audio players and come in many different shapes and sizes. Common features include the ability to store songs, create playlists, shuffle music, and connect to a variety of audio sources. MP3 players are versatile and can be used to listen to music, audiobooks, podcasts, and more. These devices are typically small and portable, ranging from pocket-sized to larger, more advanced models. Some MP3 players also feature a built-in radio, voice recorder, and other capabilities. Modern MP3 players are often compatible with numerous streaming services, allowing users to access their favorite songs, albums, and artists from anywhere.

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The most basic form of ownership in a firm consists of:

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The most basic form of ownership in a firm consists of: Common Stock

Calculate net worth using the following information.

Assets Liabilities
car - $3,500 car loan - $3,000
savings account - $1,000 credit card - $500
cash - $80
stock - $120
$1,200
$8,200
$12,000
$500

Answers

The net worth of the person, using the given information, can be found to be $ 1, 200

What is a person's net worth ?

The value of all assets less the sum of all obligations is what is known as net worth. In other words, net worth is the sum of all assets minus all liabilities.

A person's or company's net worth is the value of their assets less the amount of obligations they have. It is a crucial indicator for assessing a company's health because it offers a helpful overview of its present financial situation.

In the financial industry, one's net worth—also known as net wealth—is used to determine whether a person is eligible for a particular set of investment opportunities or financial products, such as hedge funds, structured products, or other sophisticated or alternative investments.

The net worth of a person can be found by the formula :

= Assets - Liabilities

= 3, 500 + 1, 000 + 80 + 120 - 3, 000 - 500

= 4, 700 - 3, 500

= $ 1, 200

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Who benefits more from a franchise, the individual entrepreneur or the parent company? Explain. Someone pleaseee help me

Answers

Answer:

The parent company

Explanation:

In simple words, the parent company gets more benefit in a franchisee system as compared to the individual entrepreneur. The parent company gets to extend their business and promote their brand , while the handwork is done by some other individual.

The parent company also make high profits and generally keeps a lot of hold on their individuals franchisee branches.

Telling customers that they only have until midnight to get sale prices is an appeal to

A. ethos.

B. logos.

C. pathos.

D. kairos.

Answers

Answer:

D. kairos.

Explanation:

Telling customers that they only have until midnight to get sale prices is an appeal to kairos.

Answer:

It's d

Explanation:

eric is expected to show high deference to his boss who is the ceo of a software company. his boss makes all the decisions without much input from lower level employees. this is an example of a

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Eric is expected to show high deference to his boss who is the ceo of a software company. his boss makes all the decisions without much input from lower level employees. this is an example of a High power (-distant) culture.

An employee is someone who receives paid to work for someone or enterprise. people do not need to paintings full time to be taken into consideration personnel—they in reality need to be paid to work by using an organisation (the character or commercial enterprise that can pay them).

Employees complete tasks for organisation leaders . They use their abilties, knowledge and information to meet a positive function at a firm. They usually work within a particular branch like customer service, marketing, accounting or facts generation.

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A chord of a circle is l cm long. The distance of the chord to the center of the circle is h cm and the radius of the circle is r cm. express r in terms of l and h​

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Answer:

http://www.mrbartonmaths.com/resources/GCSE%20Revision/GCSE%20Maths%20Takeaway/4.%20Grades%20B%20to%20A-star/107.pdf

Explanation:

THis is published by me....

Assuming that the company sells all that it produces, what is the profit function?

Answers

The profit function represents the relationship between the company's profit and the quantity of products it sells. To establish the profit function, we need additional information such as the company's revenue function and cost function.

Let's assume the revenue function is denoted as R(q), where q represents the quantity of products sold. The cost function is denoted as C(q), representing the cost incurred by the company to produce and sell the products.

The profit function (π) can be calculated as the difference between the revenue and the cost:

π(q) = R(q) - C(q)

The profit function provides a mathematical representation of how the company's profit varies with the quantity of products sold. By analyzing this function, businesses can evaluate the optimal quantity to maximize their profits, considering factors such as pricing strategies, production costs, and demand.

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Colleges are investing in golf facilities to boost programs and appeal to donors across sports. Which school is currently renovating or preparing to begin work on a new facility?

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By the implementing appropriate solutions, such as adaptable educational space solutions and its infrastructure, the renovation helps school facility leaders reposition the outdated and ageing infrastructure for the future. Without careful planning, renovating a school can be difficult.

The renovation is characterised as any alteration to an existing structure, or to a part of a structure, which the disturbs painted surfaces. The skills needed today, such as those in science and technology, medical science, and other fields, are taught in the modern education infrastructure. In addition to listening, the modern education includes writing, visualising, imagining, and thinking skills.

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Cody worked 59 hours last week. Of those hours, 40 hours were paid at the regular rate of $12.50. Ten hours were paid at time-and- a-half, and 9 hours at the double-time rate.

a) What was the gross pay for regular hours?
b) What was Cody’s overtime wages?
c) What was Cody’s total gross pay for the week?

Answers

Answer:

Explanation:

a. What was the gross pay for regular hours?

This will be the regular pay multiplied by the regular hours. This will be:

= $12.50 × 40

= $500

b) What was Cody’s overtime wages?

Cody's overtime wages will be the total amount earned during overtime. This will be:

= [10 × ($12.50 × 1.5)] + [ 9 × ($12.50 × 2)]

= (10 × $18.75) + (9 × $25)

= $187.50 + $225.

= $412.50

c) What was Cody’s total gross pay for the week?

The total gross pay for the week will be the addition of the amount that was earned during regular hours and overtime. This will be:

= $500 + $412.50

= $912.50

The basic formula for the price elasticity of demand coefficient is.

Answers

Percentage change in quantity demanded/percentage change in price is the basic formula for the price elasticity of demand coefficient.

What is price elasticity?

Price elasticity is the degree of an individual that person or a consumer can pay to the change in the price of the commodity, it is calculated the price a consumer is willing to pay versus the amount of quantity supplied to the person.

Thus, Percentage change in quantity demanded/percentage change in price

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