It is true that a 15-year mortgage typically requires higher monthly payments than a 30-year mortgage but the total interest over the life of the loan will be less.
What is the difference between a 15-year and 30-year mortgage?Although 15-year mortgages can be a reasonable option for some buyers, most homebuyers usually opt for 30-year fixed-rate loans.Our monthly payments can be more manageable if you take out a 30-year mortgage.Although a 15-year mortgage has larger monthly payments overall, the overall cost of the loan is lower.A 30-year mortgage often has a higher interest rate because banks are less risky with 15-year loans than 30-year loans, and because banks can afford to provide shorter-term loans more affordably than longer-term loans.The shorter loan is preferable if an investor can afford the larger payment, particularly if they are nearing retirement and will be reliant on a fixed income.To learn more about fixed income, refer:
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If you desire to have $25,000 for a down payment for a house in elght years, what amount would you need to deposit today? Assume that your money will eam 6 percent. Uset Exhibit 1.C. (Round your PV factor to 3 declmal places and final answer to the nearest whole dollar.)
The amount required to deposit today to have $25,000 for a down payment for a house in eight years at 6 percent is $39,834.88.
Exhibit 1.C. consists of PV factors based on different interest rates and time periods. To determine the amount to deposit today if someone wants $25,000 for a down payment on a house in eight years with a 6 percent earning rate, we need to use the PV factor for eight years at 6%.PV Factor for 8 years at 6% = 0.627 (Rounded to three decimal places)Amount required = Desired future value / Present value factor= $25,000 / 0.627= $39,834.88 (Rounded to two decimal places)Therefore, the amount required to deposit today to have $25,000 for a down payment for a house in eight years at 6 percent is $39,834.88. Exhibit 1.C. consists of PV factors based on different interest rates and time periods. To determine the amount to deposit today if someone wants $25,000 for a down payment on a house in eight years with a 6 percent earning rate, we need to use the PV factor for eight years at 6%.
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Which of the following is not an example of professional behavior
?
In this condition, the practitioner instructs the individual that it is time to work. After the initial instruction, the practitioner delivers a series of demands that the client is typically required to complete. If the client engages in the target behavior, the demand is removed and the client is allowed to take a break. What condition are we implementing
Answer:
Escape Condition
Explanation:
Functional analysis
This is simply known as the study of negative or inappropriate behavior, its antecedents, its consequences is also used to determine one or more functions that the behavior may serve for the learner.
Experimental Conditions
1. Alone
2. Attention
3. Demand (Escape)
4. Play
5. Tangible (if needed)
Escape (Demand) condition
This simply states that the removal of a particular stimuli as soon the occurrence of a behavior will increase the likelihood of that behavior. An example includes; when a room is too cold, we tend to avoid the chill by wearing on an extra sweater. It is also called negative reinforcement and it is because it is the removal of certain stimuli soonest as the occurrence of a behavior.
The number of people ______ from other countries to the united states caused a shift in unemployment in the textile market.
The number of people immigrating from other countries to the United States caused a shift in unemployment in the textile market. Immigration can have an impact on the labor market, including the textile industry.
Here is a step-by-step explanation:
1. Immigration refers to the movement of people from one country to another for various reasons, such as work, education, or to join family members.
2. When people immigrate to a new country like the United States, they often seek job opportunities. This can increase the overall labor force in the country.
3. In the case of the textile market, an increase in the number of people immigrating can lead to an increase in the available labor supply. This means that there are more workers available to work in the textile industry.
4. With more people looking for jobs in the textile market, the supply of labor exceeds the demand for labor. This can result in higher competition for jobs, leading to a shift in unemployment rates.
5. The increased supply of labor can also put downward pressure on wages. When there are more people willing to work for lower wages, employers may have less incentive to offer higher wages.
6. As a result, the immigration of people to the United States can cause a shift in unemployment rates in the textile market. This shift is influenced by the increased labor supply and the potential effects on wages.
It's important to note that immigration can have both positive and negative impacts on the economy. While it can increase the labor supply and potentially lower wages, it can also bring diverse skills, innovation, and contribute to economic growth.
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The increase in migration to the United States from other countries can cause a shift in unemployment in the textile market. The larger labor supply, wage pressures, and changes in market dynamics are factors that contribute to this impact.
The number of people migrating from other countries to the United States caused a shift in unemployment in the textile market.
When people from other countries migrate to the United States, they often seek employment opportunities. This increase in the population can impact various sectors, including the textile market. Here's how:
1. Increased labor supply: With more people coming to the United States, there is a larger pool of potential workers available. This can lead to increased competition for jobs in the textile market, resulting in higher unemployment rates. Employers may have more options to choose from, which can make it harder for some individuals to find employment.
2. Wage pressure: The increase in the labor supply can also put downward pressure on wages in the textile market. When there are more job seekers than available positions, employers may have the advantage of offering lower wages. This can negatively affect workers' bargaining power and their ability to secure fair wages.
3. Shift in market dynamics: The influx of migrants can also impact the overall dynamics of the textile market. It may lead to changes in consumer demand, as the cultural preferences and purchasing power of the new population differ from those of the native population. As a result, some textile businesses may experience shifts in demand for their products, which can further affect employment opportunities.
In summary, the increase in migration to the United States from other countries can cause a shift in unemployment in the textile market. The larger labor supply, wage pressures, and changes in market dynamics are factors that contribute to this impact.
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Max is using a search engine to do research on trends in his industry when he comes across a website that isn’t necessarily related to his research–but is interesting and engaging. Without realizing it, Max spends over an hour browsing through the webpage’s numerous articles and links. When his boss asks him if his research report will be ready by the end of the day, Max isn’t sure how to respond. He’s hardly done any work–but it’s not like he was purposely avoiding work. He was using the search engine for the purpose of research, after all. It’s not his fault that the search results weren’t very relevant. Max is considering asking his boss for an extension on his deadline so that he can spend more time researching. What do you think? What should Max do?
In this situation, Max has to first give his boss some advance notice that he wont be able to complete the report before deadline, explain himself briefly as to why that is, then ask for more time to be able to complete the task.
What is a deadline?A deadline indicates that a task or project is anticipated to be finished by that date and time. There is a clear expectation of what must be provided and by when thanks to deadlines. Employees are able to take charge of their work in this way and include deadlines into their time management techniques.
It's critical to schedule deadlines in advance because your work may be delayed. Recognize that some resources might be delayed and that some people might not be available. You may prevent the disaster of missing a deadline by making plans in advance.
Deadlines are crucial in business for a variety of reasons. They establish standards and encourage productive behavior in the workplace.
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The Diversified Growth Co. Has three different divisions. Its low-risk division accounts for $5 million of its assets and has a beta of 0. 8. Its middle-risk division accounts for $10 million of its assets and has a beta of 1. 1, while its high-risk division has assets worth $15 million and a beta of 1. 8. Diversified’s overall firm beta is therefore equal to _____. (Do not round intermediate computations. )
The Diversified Growth Co. has three divisions with different risk levels and asset values. The low-risk division has $5 million in assets and a beta of 0.8, the middle-risk division has $10 million in assets and a beta of 1.1, and the high-risk division has $15 million in assets and a beta of 1.8. To determine the overall firm beta, we need to calculate the weighted average of the division betas based on their asset values.
To calculate the overall firm beta, we need to take into account the asset values and betas of each division. The formula to calculate the weighted average beta is as follows:
Overall Firm Beta = (Beta of Low-Risk Division x Asset Value of Low-Risk Division + Beta of Middle-Risk Division x Asset Value of Middle-Risk Division + Beta of High-Risk Division x Asset Value of High-Risk Division) / Total Asset Value
Using the given information, the calculation would be as follows:
Overall Firm Beta = (0.8 x $5 million + 1.1 x $10 million + 1.8 x $15 million) / ($5 million + $10 million + $15 million)
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In its simplest form, ___________ represents streams of raw facts with limited usefulness until organized.
In its simplest form, Data represents streams of raw facts with limited usefulness until organized.
What is the data in the examination description?
Research data is any knowledge that has been collected, observed, generated, or finished to validate original research findings. Although usually digital, analysis data also includes non-digital designs such as laboratory notebooks and diaries.
Why is data so essential?
Data allows organizations to more actually determine the cause of problems. Data allows communities to visualize relationships between what is occurring in different locations, divisions, and systems.
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Your credit card has a credit limit of $1,000. Your credit card company reviews your credit line every 6 months.
The time it will take to increase the limit to $1,600 is 2.5 years, when the credit card has a credit limit of $1,000.
What is a credit card?A credit card is a payment card issued to users or cardholders to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt that is promised to the card issuer to pay them for the amounts plus the other agreed charges. The card issuer usually a bank or credit union creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.
A credit card is different from a debit card.
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Your question was incomplete, your full question probably was:
Your credit card has a credit limit of $1,000. Your credit card company reviews your credit line every 6 months. They will not increase your credit line more than 10% each 6-month period. Assuming they increase your limit each 6-month period by 10%, how long will it take to increase your limit to $1,600?
Question 6(Multiple Choice Worth 4 points)
(02.08 LC)
Which type of professional would help the government determine where to set the price of oranges for U.S. markets?
O Consumers
O Economists
O Exporters
Importers
Answer:
Explanation:
Economists
question content area part 1 scarcity part 2 a. can be overcome by discovering new resources. b. stems from the incompatibility between limited resources and unlimited wants. c. is a bigger problem in market economies than in socialist economies. d. can be eliminated by rationing products.
Scarcity stems from the incompatibility between limited resources and unlimited wants
Because the desires of economic agents, such as people, businesses, or the government, are limitless, scarcity is a fundamental economic problem that affects every civilization. The incompatibility of finite resources and countless wants is the root of the world's economic problems.
Resources are constrained in that there is only a certain amount of them, and they cannot be expanded to satisfy everyone's unending needs or those of society as a whole. People and society must therefore decide how to divide up these finite resources in order to best satisfy their needs and wants. All economic activity is fueled by scarcity, which is the reason people have to make decisions and trade-offs.
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if exports ______________, then the economy is said to have a trade surplus.
Answer:
If exports are greater than the imports, then the economy is said to have a trade surplus.
Which examples demonstrate tasks commonly performed in Visual Arts jobs? Check all that apply. Cliff sets up video equipment at a music concert. Rhonda installs and repairs home electronic equipment in customers’ homes. Gary attends a state fair to sell his handmade clothing in a booth. Christopher dances in a large ballet production on a stage. Yolanda uses a computer tablet to draw an illustration for a textbook. Shirley has a meeting with a customer to discuss a wedding she will be photographing.
Answer:
3
5
6
Explanation:
"According to Gartner Research, the data analytics market has split into two segments: the traditional _____ market and the newer __________ market. "
Answer: BI; data discovery
Explanation:
According to Gartner Research, the data analytics market has split into two segments: the traditional BI market and the newer data discovery market.
Data analytics is when raw materials are being analyzed scientifically in order to derive conclusions about a particular information.
Data analytics tools and technologies are data discovery, data visualization, and also geospatials.
How can we apply accounting and bookkeeping in our daily lives?
In which type of economy is a business owner most likely to benefit from free enterprise?
Answer:
Sole proprietorship
Explanation:
I’m not 100% sure but it’s a sole individual business
Yolinda and Wes decide to go into business together as a partnership. As part of their business, they lease a car, with each paying half the monthly expenses. Unfortunately, the business does not make any money. After 2 years, Yolinda decides to leave and take a job with another employer. Wes, on the other hand, decides to make a go of the business. Given this information, which of the following is true?
a. Because Yolinda is no longer involved in the business, she no longer needs to help make the car expenses.
b. If Yolinda stops making her share of the car expenses, Wes will be liable for Yolinda's share.
c. Because the partnership is no longer in existence, the car lease is null and void.
d. Because Wes received only half of the company's profits, he is only liable for his share of expenses.
Given that one of the partners of the business has left the business, the answer that is correct is the fact that
Because Yolinda is no longer involved in the business, she no longer needs to help make the car expenses.What is a partnership?This is a business arrangement that is made by two or more persons. The business arrangement has the partners sharing in the liability of the business.
The reason why Yolanda has to stop sharing in the expenses is simply because she is no longer a part of the partnership.
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Suppose capital one bank gives you a free t-shirt with the company's name for openinga bank account with them. This would be an example of?
Answer: an incentive
Explanation: incentives are rewards given for doing things
1. What's NOT an assumption we usually make about costly products and services?
A. The product/service is rare or difficult to obtain or make.
B. The product/service is lower quality than something similar.
C. The product/service is higher quality than something similar.
D. The product/service is associated with a trusted brand or company.
Answer:
B
Explanation:
I would assume the correct answer would be B. This is because when you go to a store you typically assume the higher cost item is of higher quality then the lower cost item. For example: One may buy a yeti cooler over an igloo cooler because the very high price tag makes them feel as if the cooler is just that much better then the competitor. If correct please mark brainliest.
what are the main roles of the management department in an organization. give 5
Answer:
At the most fundamental level, management is a discipline that consists of a set of five general functions: planning, organizing, staffing, leading and controlling. These five functions are part of a body of practices and theories on how to be a successful manager.
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the types of companies that make particularly attractive acquisition targets when employing an unrelated diversification strategy are
The types of companies that make particularly attractive acquisition targets when employing an unrelated diversification strategy
are those that operate in different industries or have diverse product/service offerings. These companies can bring complementary expertise, resources, and customer bases to the acquiring company, reducing its reliance on a single industry or market. By diversifying into unrelated industries, the acquiring company can mitigate risks associated with economic fluctuations or industry-specific challenges, and potentially unlock new growth opportunities. Additionally, acquiring companies with strong management teams, established brand recognition, and scalable business models can further enhance the attractiveness of such acquisition targets for unrelated diversification strategies.
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in the as/ad framework, the financial friction appears as a: group of answer choices change in the long-run real interest rate. negative demand shock. positive supply shock. the financial friction is only present in the is/mp model. negative supply shock.
In the AS/AD framework, the financial friction appears as a negative supply shock. This is because financial frictions can disrupt the smooth functioning of financial markets and cause a reduction in the supply of credit to firms and households.
This, in turn, can lead to a decrease in investment and consumption spending, causing a leftward shift in the aggregate supply curve and a decrease in output and prices in the short run. Over the long run, the negative supply shock may also result in an increase in the long-run equilibrium price level and a decrease in the long-run equilibrium output. Thus, policymakers may need to implement measures to mitigate the negative effects of financial frictions on the economy.
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Identify three strengths of each human service delivery system?
Answer:
hope it helps
Explanation:
The Medical Model. is the oldest of the three models. Looks at symptoms, illness and sickness.
The Public Health Model. Looks at how illness affects population. Focus is on education, prevention and nutrition.
The Human Service Model. Looks at the client and their environment
murphy's, incorporated, has 31,850 shares of stock outstanding with a par value of $1 per share. the market value is $13 per share. the balance sheet shows $87,650 in the capital in excess of par account, $31,850 in the common stock account, and $145,950 in the retained earnings account. the firm just announced a stock dividend of 12 percent. what will the market price per share be after the dividend?
Murphy's, Inc. has 31,850 shares of stock outstanding with a par value of $1 per share and a market value of $13 per share and After the announced stock dividend of 12%, the market price per share will be $11.52.
To calculate this, we first need to know the amount of the dividend declared per share:
Dividend per share = $1.56 (12% of par value)
Then, we need to calculate the amount of the stock dividend declared:
Stock dividend declared = Dividend per share x Number of shares outstanding = $49,892
Finally, we can calculate the new market price per share:
New market price per share = (Capital in excess of par account + Common stock account + Retained earnings account + Stock dividend declared) / Number of shares outstanding = $11.52
Therefore, the market price per share after the dividend will be $11.52.
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what is the formula for activity ratio
Answer:
The ratio is calculated by dividing the net sales by the working capital. The ratio helps you figure out the net annual sales generated by the average amount of working capital during a year.
Explanation:
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Answer:
The ratio is calculated by dividing the net sales by the working capital. The ratio helps you figure out the net annual sales generated by the average amount of working capital during a year.
Select the items that are needs from your bank statement. ABC BANK Available Balance $230.00 Cell phone plan$45 Rent$400 Car insurance$60 Backpack$10 Electric bill$60 Car payment$250 Submit
Answer:everything but the backpack
Explanation:
During 2021, Crane Corp. started a construction job with a total contract price of $15000000. The job was completed on December 15, 2022. Additional data are as follows:
2021 2022
Actual costs incurred during the year $6300000 $7350000
Estimated remaining costs 6300000 0
Billed to customer 5400000 11400000
Received from customer 4200000 12000000
Under the completed-contract method, what amount should Crane recognize as gross profit for 2022?
$1350000
$450000
$675000
$2250000
The amount that Crane should recognize as gross profit for 2022 under the completed-contract method is $675,000. Under the completed-contract method, revenue and expenses are recognized.
The contract is completed. The gross profit is calculated as the difference between the total contract price and the total costs incurred. In this case, the total contract price is $15,000,000, and the total costs incurred by the end of 2022 are $6,300,000 (actual costs incurred in 2021) + $7,350,000 (actual costs incurred in 2022) = $13,650,000. To calculate the gross profit for 2022, we subtract the costs incurred in 2022 from the total contract price: $15,000,000 - $13,650,000 = $1,350,000 Therefore, the amount that Crane should recognize as gross profit for 2022 is $675,000 ($1,350,000/2), as it represents 50% of the gross profit for the completed contract. It's important to note that under the completed-contract method, revenue and expenses are not recognized until the contract is completed and the gross profit is only recognized in the year of completion.
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what is the name of the department store where buddy works in elf?
Answer:
The name of the department store where buddy works in elf is called Gimbels.
a foreign company's first line of defense in litigation in the u.s. is often that they are not subject to the jurisdiction of the courts. group of answer choices true false
True. Foreign companies are not subject to the jurisdiction of US courts unless a court can establish personal jurisdiction over the foreign company.
Personal jurisdiction is established when the foreign company has minimum contacts with the state or territory in which the court sits. The foreign company must have purposefully availed itself of the benefits and protections of the state or territory, thus allowing the court to exercise jurisdiction. For example, if the foreign company has employees in the state or territory, has an office in the state or territory, or regularly does business in the state or territory, it has minimum contacts with the state or territory and can be brought under the jurisdiction of the court. In the US, personal jurisdiction is an essential element of due process and is mandated by the US Constitution. For a court to exercise jurisdiction over a foreign company, the court must have personal jurisdiction. If personal jurisdiction is not established, the court has no authority over the foreign company, thus the company’s first line of defense in litigation in the US is that it is not subject to the jurisdiction of the court.
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A 3rd degree burn has burnt only part of the epidermis. the epidermis only. the epidermis and dermis. the epidermis and part of the dermis.
A 3rd degree burn has burnt the epidermis and part of the dermis. Option 3 is the correct answer.
A 3rd degree burn is a severe burn that extends through the entire thickness of the skin. In a 3rd degree burn, the epidermis, which is the outermost layer of the skin, and part of the dermis, which is the layer beneath the epidermis, are affected. This type of burn destroys the full thickness of the epidermis and can extend into the deeper layers of the dermis.
The epidermis serves as a protective barrier for the body, preventing the entry of harmful substances and pathogens. It also helps regulate body temperature and plays a role in the production of vitamin D. The dermis provides structural support, contains blood vessels, nerve endings, sweat glands, and hair follicles.
Due to the severity of the injury, 3rd degree burns often require medical intervention and specialized treatment. They can result in extensive tissue damage, loss of sensation, and impaired healing. Treatment may involve surgical interventions, such as skin grafting, to promote healing and minimize the risk of infection. Rehabilitation and long-term care are often necessary to manage the physical and psychological effects of a 3rd degree burn.
Hence, option 3 is the right choice.
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Auditors are concerned about the _____ assertion for revenue transactions because clients are more likely to overstate sales than to understate them.
The occurrence assertion for revenue transactions is an issue for auditors since customers are more prone to overstate revenues than to understate them.
What is an assertion of occurrence?To ascertain if the transactions listed on financial statements actually occurred, apply the occurrence assertion. This can be anything from authenticating trade receivables balances by confirming that a sale occurred on the designated day to confirming that a bank deposit has been completed.
What are the revenue audit assertions?To guarantee that financial records and disclosures are accurate and appropriate, assertions need to be evaluated. Financial statements are correctly reported if all assertions for pertinent transactions or balances are met.
How can it be proven that revenue actually occurs?The need to check for revenue transfers cannot be overstated. The biggest challenge for the majority of organizations will be reversing figures from the general ledger or sales journal to source documents (invoices, shipping documentation, etc.).
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