Buyer vaughn is applying for an fha mortgage on a house priced at $108,000. the maximum loan-to-value ratio is 97.75. what is the minimum down payment?

Answers

Answer 1

First, take $108,000 multiplied by 97.75% (maximum loan amount), which equals $105,570.

Then take $108,000 - $105,570 = $2,430 minimum down payment.

Down payment, is an initial up-the front partial charge for the acquisition of steeply-priced gadgets/services which include a car or a house. It also includes paid in coins or equal at the time of finalizing the transaction. A loan of some sort is then required to finance the the rest of the fee.

What's a Down payment?

A down payment is a sum of money that a client will pay within the early levels of buying an expensive excellent or carrier. The down payment represents a part of the overall purchase price, and the buyer will often take out a loan to finance the the rest.

Is down payment a complete fee?

In simple phrases, it's far an advance price for an steeply-priced purchase. The payment represents a percent of the total buy charge. You'll pay the initial prematurely price called the down payment for the acquisition of a vehicle or a house. You'll make the down payment out-of-pocket instead of borrowing the quantity.

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Related Questions

What method is used to account for an equity investment in voting stock when the investor lacks significant influence?

Answers

Typically the “cost method” is used in the cases when an investor has little information in holding the significant influence or when an investor does not fully exercise the influence or control over the investee.

So, in accounting, the cost method is used in cases where there is a need of recording sure and convinced investments in a company's financial statements.

The stock is represented as a non-current asset on a balance sheet using the cost method, at the historical purchase price, and is not changed unless shares are sold or more shares are bought already.

Every dividend that is received is reported as income and is subject to taxation as such.

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Which of these is most likely the cause of a father and son having almost identical-sounding voices

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The most likely cause of a father and son having almost identical-sounding voices is: inherited characteristics.

What is a trait?

A trait can be defined as a distinguishing quality (characteristic) of a living organism. This ultimately implies that, a trait refers to the specific features and characteristics that are possessed by a living organism.

According to Genetics, traits are essentially divided into two (2) and these include the following:

Dominant traits.Recessive traits.

What is an inherited characteristic?

An inherited characteristic can be defined as single attribute of a living organism such as a plant or an animal, which is encoded in deoxyribonucleic acid (DNA) and genetically transmitted from parent (father) to offspring (son) during reproduction, in accordance with genetic principles.

Additionally, some examples of an inherited characteristic include the following:

Hair colorSkin toneSize of toesEye colorVoice

In this context, we can reasonably infer and logically deduce that the most likely cause of a father and son having almost identical-sounding voices is: inherited characteristics.

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Complete Question:

Which of these is most likely the cause of a father and son having almost identical-sounding voices?

O learned behaviors

O environmental conditions

O inherited characteristics

O instinctive characteristics

The principle that irrelevant detail should not be included in a model is known as.

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The principle that irrelevant detail should not be included in a model is known as: Ockham's razor.

Ockham's razor

Ockham's razor theory is the theory that stated that only relevant details or important details that will be of benefit should be included in a model.

This in turn means that irrelevant information or details should be excluded in a model or theory.

Therefore the principle that irrelevant detail should not be included in a model is known as: Ockham's razor.

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If the price of cocoa rises by 10 nd the elasticity of supply is 0.5, then the quantity supplied?

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If the price of cocoa rises by 10, then quantity supplied would rise by 5.

What is the change in quantity supplied?

The price elasticity of supply measures how quantity supplied changes when there is a change in the price of the good. There is a positive relationship between price and the quantity supplied.

When supply is elastic, it means that when there is a change in price, the quantity supplied changes by more than the change in price. When supply is inelastic, it means that when there is a change in price, the quantity supplied changes by less the change in price.

The price elasticity of supply = percentage change in the quantity supplied / percentage change in price

Percentage change in quantity supplied = price elasticity x  percentage change in price

0.5 x 10 = 5

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oday’s managers are moving from a controller role to an enabler role. their goal is to provide support and learning opportunities, coach, and guide their employees. andy and scott discuss their approach at barcelona as one that is empowering. "this is your restaurant," andy tells new managers. scott says, "i think you’re limiting your ability to get better," when you tell managers what to do.

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Remove an item from an unhappy customer's bill,Change menu prices on seafood dishes due to increased market prices,Seek approval from Scott to run an advertisement in a local newspaper announcing new, extended hours for your location,Hire an additional bartender to meet the demand of increased "happy hour" business

Since ancient times, the phrases "happy hour" and "hour" have been used to describe enjoyable periods. Shakespeare's King Henry V quotes him as saying, "Therefore, my lords, omit no cheerful hour/That may assist our adventure" in act I, scene 2. However, it is more modern to use the term "happy hour" to describe a set time for amusement.The United States Navy is one potential source for the term "happy hour," which refers to a set time for amusement. On board the USS Arkansas, "semi-weekly smokes" were organized by a group of housewives known as the "Happy Hour Social" in the beginning of 1913.  The term "happy hours," "happy hour club," or "happy hour social club,"

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The u.s. congress has given the securities and exchange commission the power to promulgate accounting standards for all publicly traded firms. true false

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U.S. Congress has given the Securities Exchange Commission the power to promulgate accounting standards. True.

What is Securities Exchange Commission?

The Securities and Exchange Commission, sometimes known as SEC, is located in Washington, DC, and regulates the different stock exchanges in the US. Beginning in April 2021, Gary Gensler will serve as chairman. Similarities between the Dutch Authority for the Financial Markets (AFM) and the Belgian Authority for Financial Services and Markets can be observed (FSMA).

The SEC was established on June 6, 1934, in the midst of the Great Depression, by American President Franklin D. Roosevelt as a separate regulatory body. The SEC has been granted the jurisdiction to regulate stock exchanges. Founder John F. Kennedy's father James M. Landis, Ferdinand Pecora, and Joseph P. Kennedy Sr. were selected by President Franklin D. Roosevelt to serve as the first chairman of the

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during 2021, belen paid the following taxes: property taxes on residence (paid from escrow account) $ 1,550 property tax portion of car registration (based on value) 400 property taxes on land held for long-term appreciation 350 what amount can belen deduct as property taxes in calculating her itemized deductions for 2021?

Answers

$ 2,300 Itemized Deduction For 2017

All of the above are included in Itemised Deduction.

Taxes on residency + Tax portion of registration +Property tax on land for  long-term appreciation

$1,550+$400 +$350 = $2,300  

Property tax is a tax paid on property owned by an individual or other legal entity, such as a corporation. Most commonly, property tax is a real estate ad-valorem tax, which can be considered a regressive tax. It is calculated by a local government where the property is located and paid for by the owner of the property.

Texas has no state property tax. All property is appraised at full market value, and taxes are assessed by local county assessors on 100% of appraised value.

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a common stock will pay a cash dividend of $5 next year. after that, the dividends are expected to increase indefinitely at 1% per year. if the discount rate is 12%, what is the pv of the stream of dividend payments?

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A common stock will distribute a $5 cash dividend next year. Following that, an endless 1% annual growth in dividends is anticipated. The present value of the stream of dividend payments, at a discount rate of 12%, is $71.43.

Cash dividend minus present value (Discount rate - Growth rate)

The present value is $5. (0.11 - 0.04)

present value = $71.43

Common stock is a type of security that denotes ownership in a company. The board of directors and corporate discount rate policies are chosen by common stockholders. Long term, this type of stock ownership often produces higher rates of return. But in the event of liquidation, common shareholders are only entitled to the assets of the company once bondholders, preferred shareholders, and other debt holders have been fully compensated.

Common stock serves as a residual claim to current and future profits of a corporation. Shareholders are therefore referred to as a company's partial owners. This does not imply that stockholders can enter a company's offices and assert ownership of some of the chairs, desks, or computers. These items are the property of the corporation, a legitimate entity, which is wholly owned discount rate by it. This residual claim, however, is owned by the stockholders. On exchanges, common stock is exchanged, and investors and dealers can buy and sell it. Dividends could be available to common stock holders.

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Which is the best example of economies of scale? select one:
a. a parking garage
b. the pizza business
c. a small family farm
d. the generation of electricity

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The best example of economies of scale is the local power company.

After installing Qualified Infrastructure, current customers of a Local Power Company or TVA are responsible for working with them to coordinate any adjustments to any existing transmission or distribution facilities and for compensating them, as necessary, for any costs incurred.

  What is local power company?

Each Qualified Producer will be required to enter into a contract with TVA (through TVA's TOPS) and the applicable Local Power Company system (or other electric system) for the parallel operation of their production facilities with the TVA transmission system and directly connected to it.The electrical work must be completed in compliance with all the specifications of the most recent edition of the Philippine Electrical Code, as well as the requirements of the local power company and the rules and ordinance of the Baguio City enforcement authorities.Deliveries of electric energy by Local Power Company to Qualified Producer must be made under separate agreements from this Agreement, must be metered and accounted for separately from the deliveries of electric energy made by Qualified Producer to TVA under this Agreement, and must otherwise be provided in accordance with the rates, laws, and service policies that apply to such service provided by Local Power Company to Qualified Producer.

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if you pay $1,000 for a vacation package this year and the inflation rate is 2%, the same package will likely cost $1,020 next year. if you invest $1,000 today at 5%, you will have $1,050 next year from your investment. what is the real rate of return on your investment? 2% 3% 5% 20% 30%

Answers

If  you if you pay $1,000 for a vacation package this year and the inflation rate is 2% and you  invest $1,000 today at 5% and have $1,050 next year from your investment. The real rate of return on your investment is 3%.

Real rate of return on your investment

First step is to calculate the additional purchasing power

Additional purchasing power=$1,050-$1,020

Additional purchasing power=$30

Second step is to calculate the Real rate of return on your investment

Real rate of return on your investment=$30/$1,000

Real rate of return on your investment= 3%

Therefore If  you if you pay $1,000 for a vacation package this year and the inflation rate is 2% and you  invest $1,000 today at 5% and have $1,050 next year from your investment. The real rate of return on your investment is 3%.

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A project has an initial cost of $26,000, a discount rate of 11.7 percent, a life of 5 years, and an npv of $11,216. given this, you know that the project is expected to earn a return:_________

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A challenge has an initial cost of $26,000, a discount price of eleven.7 percent, the existence of 5 years, and an NPV of $11,216. given this, you already know that the task is expected to earn a go back: $ 10247.46

Consider NPV = $11216

PV of cash inflow = NPV of cash outflow = 26000$

11216$ = $37216

Cash flow = Cash inflow PV / PVAF(r%, n) = $37,216/PVAF (11.7%, 5) = $37216/3.6317 = $10247.46

internet present value (NPV) is used to calculate the current cost of a future flow of bills from an employer, task, or funding. To calculate NPV, you want to estimate the timing and quantity of destiny cash flows and select a discount fee equal to the minimum applicable charge of going back.

The internet present value or net gift well-worth applies to a chain of coin flows occurring in one-of-a-kind instances. the prevailing value of a cash glide relies upon the c program language period of time between now and the cash float. It additionally depends on the cut price price. NPV accounts for the time cost of money.

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A ________ helps you to complete projects, keep within your budget, stay on schedule, and work with others.

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A  Project management program helps you to complete projects, keep within your budget, stay on schedule, and work with others. A program is a collection of connected projects handled in concert to achieve benefits not possible while managing them separately.

Program management in modern enterprises

Many individuals confuse the terms "project management" with "program management," possibly under the impression that they have essentially the same meanings. Although the two terms are connected, they are treated very differently depending on who is using them.

Often, program management for results that are in line with attaining company objectives is led by the enterprise program management office (EPMO). The coordination and interdependencies of the cross-enterprise projects that make up the program and collectively fulfill strategic goals are one of its main responsibilities.

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question 1 with 1 blank 1 of 1 eddepnieent: a sales person. question 2 with 1 blank 1 of 1 regatear rrgteeaa: to negotiate the pric

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Dependiente , Regatear are the two factors that effect or lead to the price negotiation by a sales person .

What is Price Negotiation ?

It may appear that the buyer has only two options in a price negotiation or other distributive (single-issue) negotiation: accept the price or lose the transaction. However, losing the sale is a problem for sellers as well. The obvious BATNA (best alternative to a negotiated agreement) in both situations is to back out of the agreement.

But there's nearly always opportunity for negotiation.  BATNA also aids in determining your reservation price, which is the highest price you are prepared to accept during the present discussion.

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What are the effects on the accounting equation when an adjusting entry is made for goods or services provided during the accounting period related to an amount previously received in advance from a customer?.

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The  effects on the accounting equation when an adjusting entry is made for goods or services provided during the accounting period related to an amount previously received in advance from a customer is: Total liabilities will decrease and total stockholders' equity will increase.

Effects on the accounting equation

When goods or services that provided during the accounting period are related to an amount that was previously received in advance from a customer this tend to mean that their will be a decrease in total liabilities while the  stockholders' equity will  tend to increase.

Stockholders' equity=Assets- Liabilities

Hence, Effect on accounting equation:

Total liabilities (decrease)

Total stockholders' equity  (increase)

Therefore the effects on the accounting equation  is Total liabilities will decrease and total stockholders' equity will increase.

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Lucas wants to buy a new car. Before he makes a final purchase, he decides to do a full web-based information search. He also talks with his family and friends to gain even more knowledge. What type of decision-making is this an example of?.

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Lucas wants to buy a new car. Before he makes a final purchase, he decides to do a full web-based information search. He also talks with his family and friends to gain even more knowledge. The type of decision-making he is using is extended problem-solving.

The extended decision-making is that type of decision-making in which a person needs several affirmations before buying a product or service. They consider asking multiple people and taking advices from multiple sources to make the best decision.

This sometime sound as a very helpful method but not always work out as it takes time, so the offer may run out of stock as they make their way using this method.

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Linear programming, waiting line, simulation, and pert/cpm are all elements of which era of operations and supply chain management?

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Answer is operation research. operations lookup (OR) Operations lookup (OR) is an analytical method of problem-solving and decision-making that is beneficial in the administration of organizations.

In operations research, issues are broken down into basic factors and then solved in described steps through mathematical analysis.

What difficulty is operations research?

Operations Research, also known as Decision Science or Operations Analysis, is the find out about of making use of mathematics to business questions. As a sub-field of Applied Mathematics, it has a very interesting position alongside different fields as Data Science and Machine Learning.

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Based on research evidence, top-down management and rules-based management styles suggest that:______.

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Top-down management and rules-based management styles suggest that due process and committee cycles govern change.

Top-down management occurs when your company's senior leaders decide on goals, projects, and tasks independently of their teams. These objectives, projects, and tasks are then shared with the rest of the organization.

The top-down management is preferred by many teams because it eliminates confusion, reduces risk, and keeps initiatives organized across larger teams. Top-down management, on the other hand, is not for everyone. It can stifle creativity and slow problem-solving, so it might not be the best choice for teams that need more flexibility and responsiveness.

The concept of rule-based management is the control of the security of communications and IT events via rule- or filter-driven systems. Firewalls, proxies, routers, IDS, IPS, antivirus, and other rule-based security management systems are examples. Each of these systems is governed by a set of rules. Each rule expressly allows or denies. If no rule matches an event or packet, it should be denied by default.

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a city uses a water tower to store water for times of high demand. when demand is light, water is pumped into the tower. when demand is heavy, water can flow from the tower without overwhelming the pumps.

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A metropolis makes use of a water tower to keep water for times of excessive demand. whilst the call for is light, water is pumped into the tower. whilst the call for is heavy, water can waft from the tower without overwhelming the pumps: gauge strain = P - Pa  = rho gh

height h= (P - Pa )/rho g   = 350000/(one thousand*9.8) =  35.7 meters

Demand can be defined as the quantity of a commodity that a consumer is in a position and inclined to buy, at every feasible price, over a given time period. crucial elements of the call for are amount, capability, willingness, expenses, and period of time.

In economics, demand is the amount of amazing that customers are willing and able to purchase at diverse prices all through a given time. the relationship between rate and quantity called for is likewise called the demand curve. For example, if a purchaser is hungry and buys a slice of pizza, the primary slice will have the best advantage or software. With every extra slice, the client turns into greater glad, and software declines. In concept, the first slice would possibly fetch a better rate from the consumer.

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Which type of growth would follow the reopening of idled manufacturing plants to produce additional product?

Answers

The type of growth would follow the reopening of idled manufacturing plants to produce additional product is short run growth.

The economy would move from below the production possibilities border to above it. When production shifts from a point beneath the PPF to a point to the right of (but still beneath) or on the PPF, short-run growth occurs.This simply signifies a gain in GDP over a specific time period. Short-run growth is feasible without increasing productive capacity if the economy is functioning below capacity (within the production potential frontier); it is simply a matter of using unused resources.Short-run economic growth occurs when the economy employs excess capacity to boost real production. The short run is often described as the time frame over which wages and prices of other production inputs are "sticky," or inflexible, and the long run is defined as the length of time over which these input prices have opportunity to adapt.

Thus this is the meaning of short run growth.

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suppose the cross-price elasticity of demand for butter and margarine is equal to 0.96 while the cross-price elasticity of demand for water and lemon is –0.13. this means that butter and margarine are while water and lemon are . a inelastic goods; elastic goods b substitutes; complements c elastic goods; complements d complements; substitutes e luxury goods; necessity goods

Answers

The accurate solution is: c) substitutes; complements

what is move fee elasticity?

Cross fee elasticity may be understood as a extrade in the amount demanded of the product because of a extrade in fee. A effective fee of the move-fee elasticity corresponds to the truth that merchandise are substitutes, because the call for of replacement will increase due to boom withinside the fee of replacement. While a terrible fee corresponds to the complementary goods.

The move elasticity of call for is an financial idea that measures the responsiveness in the amount demanded of  right while the fee for some other right changes. Also known as move-fee elasticity of call for, this dimension is calculated through taking the share extrade in the amount demanded of  right and dividing it through the share extrade withinside the fee of the alternative right.

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What are the effects on the accounting equation when an adjusting entry is made for goods or services provided during the accounting period related to an amount previously received in advance from a customer?.

Answers

Total liabilities will decrease and total stockholders' equity will increase are the the effects on the accounting equation when an adjusting entry is made for goods or services provided during the accounting period related to an amount previously received in advance from a customer

The accounting equation is crucial to the use of double entry bookkeeping, where every transaction has a dual impact on the financial accounts, and it depicts the relationship between the assets, liabilities, and capital of a corporation. The accounting equation can be simply answered as assets - Liabilities equal capital.

      The remaining interest in a company's assets after all liabilities have been paid off is known as capital (ie what would be left if the business sold all of its assets and settled all of its liabilities). Capital would be referred to as "Equity" in the context of a limited liability business.

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If net fixed assets increased by $28,000 during the year, what was the addition to nwc?

Answers

Net  capital is the net of total current assets of an entity with its total current liabilities.  once we  want to assess the liquidity problems in the company, networking capital is  one among  the most important items to be included.

Sometimes we use this ratio to assess how efficiently  the corporate  uses its current assets. Two main important items  involved  networking capital calculation are current liabilities and current assets.

If current assets are  above  current liabilities, that mean  the corporate  may have enough fund to support its liabilities and operation costs.

And if, current assets are smaller than current liabilities, then entity might face liquidity problems soon.

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project managers and others who bring people together from various parts of the organization to perform a task are in this layer of management.

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project managers and others who bring together people from various parts of the organization to accomplish a task are middle managers.

What is middle management?

Corresponds to the set of managers responsible for managing teams, that is, they are responsible for effectively supervising the teams of a project, thus fulfilling the goals and objectives stipulated by the executive managers.

Therefore, middle managers are essential for a project to be effective in terms of quality, meeting schedule, utilization of resources, and team integration.

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When a company freezes hiring and tightens expenses due to decreased demand for its products or services, it is involved in a(n) ________ strategy. multiple choice question.

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When a company freezes hiring and tightens expenses due to decreased demand for its products or services, it is involved in a(n) defensive strategy.

This is further explained below.

What is a defensive strategy. ?

Generally,  The term "defensive strategy" refers to a kind of marketing technique that assists businesses in retaining prized clients in the face of potential poaching by other businesses.

Other businesses that are either situated in the same market category as one's own or that sell comparable goods to the same demographic of customers are considered to be one's "competitors."

In conclusion, A corporation is engaging in a defensive strategy when, as a result of falling consumer demand for its goods or services, it puts a halt to new employee recruiting and reduces its overall spending.

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On october 1, 20x1, snorkel company issues $4 million, 8% interest bonds at face amount. interest is payable on march 30 and sept. 30. on march 30, 20x2, snorkel should:____

Answers

Snorkel Company should

Debit Interest Expense = $80,000

Debit Interest Payable = $80,000

So, the credit cash will be $160,000.

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when workers are asked to participate in a research study, vulnerabilities related to the subject's employment may include: employees may experience pressure from management to participate in the study because the employer perceives the study to be advantageous to the

Answers

When workers are asked to participate in a research study, vulnerabilities related to the subject's employment may include situations where the employees may experience pressure from management to participate in the study.

When a research is conducted and so workers are asked to participate in a research study, vulnerabilities related to the subject's employment may include situations where, the employer may encourage or deny participation of workers.

This can also include situations where employees experience pressure from the management in order to participate in the study to be advantageous to the organization.

Hence, the research study's finding can also affect an employee's pay, benefits or promotion potential.

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When you are 22 years old, you start working at a new job earning $37,000 per year. If you earn a 2% raise each year, how much will you earn the year that you are 62 years old?

Answers

You will earn $81,697.46 the year that you will be 62 years old.

We will use the amount formula while using the concept of compound interest.

We have the formula for amount,

A= P(1+R/100)^n

We have,

p= $37,000

r= 2%

n= 62-22=40

So, earning when you are 62 years old is= $37,000 (1+2/100)^40

                                                                    = $81,697.46

Since salary is compounded each year on the last year salary, so we use the formula of amount in case of compound interest to calculate our salary at the end of some years.

Simple interest is calculated on the principal, or original, amount of a loan. Compound interest is calculated on the principal amount and the accumulated interest of previous periods, and thus can be regarded as “interest on interest.”

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A marketing mix that is ________ to provide a good, service, or idea to prospective buyers is known as a marketing program. multiple choice question. a. deconstructed b. compressed c. segmentedd. integrated

Answers

The marketing process of discovering, developing, and providing value to satisfy a target market's needs in terms of products and services, sometimes involving the choice of a target audience; Operation of advertising campaigns; selection of specific qualities or topics to emphasize in advertising.

A marketing program is an integrated marketing mix that offers a product, service, or concept to potential customers. When you combine two diverse answers to a problem to get one better one, that is an example of integrating.

When you combine many educational techniques to develop a coherent educational plan, that is an example of integrating. shape, coordinate, or combine into a working or cohesive whole: unify. to include a bigger structure. B: to combine with another object. marketing and integrating school systems is a step.

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The originator of the idea of the invisible hand, which is a fundamental concept in free market capitalism, was?

Answers

Invisible hand, metaphor, introduced through the 18th-century Scottish truth seeker and economist Adam Smith.

That characterizes the mechanisms through which really helpful social and economic results might also arise from the collected self-interested movements of individuals, none of whom intends to deliver about such outcomes.

What Does Free Market Capitalism Mean?

Any economic system is capitalist as lengthy as personal folks manage the elements of production. A merely capitalist financial system is additionally a free market economy, that means the regulation of supply and demand, as an alternative than a central government, regulates production, labor, and the marketplace.

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you own a small manufacturing business that produces widgets. you have spent $150,000 acquiring the fixed assets you need to produce widgets. each widget costs you $2 to make and they sell for $15 each, so your variable cost is 13.3% of the overall revenue.

Answers

To break even at the current operating leverage, 11,539 widgets must be sold.

Thus, 11,539  is correct.

What do you mean by operating leverage?

Operational leverage, a cost-accounting technique, evaluates how much a business or project may increase operating profitability by increasing revenue. Businesses with high operating leverage generate revenues with low variable costs and large gross margins.

In order to find the appropriate price at which to turn a profit and cover your expenses, you must complete the operational leverage calculation. Additionally, it can help you understand how effectively your business can generate profits by utilizing fixed-cost assets like equipment or warehouses.

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The complete Question is:

You own a small manufacturing business that produces widgets. You have spent $150,000 acquiring the fixed assets you need to produce widgets. Each widget costs you $2 to make and they sell for $15 each, so your variable cost is 13.3% of the overall revenue.

At your current level of operating leverage, how many widgets must you sell to break even?

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