High finance rates or, worse yet, being denied a loan altogether can be the outcome of a high debt-to-income ratio.
What is high debt to income ratio?
The percentage of a consumer's monthly gross income that is used to service loans is known in the consumer mortgage market as their debt-to-income ratio (commonly shortened as DTI). There are two basic types of DTI. Specifically, DTIs frequently involve more than just debts; they can also include principle, taxes, fees, and insurance premiums. Nevertheless, the term is a set phrase that serves as a handy, well-understood shorthand.
The notation is used to represent the two primary types of DTI as a pair.
The first DTI, also referred to as the front-end ratio, shows what proportion of an individual's income goes toward housing expenses. For renters, this proportion is represented by the rent payment, while for homeowners it is represented by PITI (principal and interest on a mortgage, mortgage insurance premium (if applicable), hazard insurance premium, property taxes, and homeowners' association dues [if applicable]).
The second DTI, sometimes referred to as the back-end ratio, shows what proportion of gross income is used to pay all recurring debts, including those covered by the first DTI, as well as other obligations including credit card, automobile, student, child support, alimony, and court judgment payments.
The debt-to-income (DTI) ratio calculates how much money a person or business needs to make in order to pay off their debts.
The maximum DTI that a borrower can have and still get approved for a mortgage is typically 43%, however lenders prefer ratios of no more than 36%.
A borrower is more desirable if they have a low DTI ratio, which suggests that their income is sufficient to cover their debt obligations.
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High finance rates or, worse yet, being denied a loan altogether can be the outcome of a high debt-to-income ratio.
What is high debt to income ratio?The percentage of a consumer's monthly gross income that is used to service loans is known in the consumer mortgage market as their debt-to-income ratio (commonly shortened as DTI). There are two basic types of DTI. Specifically, DTIs frequently involve more than just debts; they can also include principle, taxes, fees, and insurance premiums. Nevertheless, the term is a set phrase that serves as a handy, well-understood shorthand.The notation is used to represent the two primary types of DTI as a pair.The first DTI, also referred to as the front-end ratio, shows what proportion of an individual's income goes toward housing expenses. For renters, this proportion is represented by the rent payment, while for homeowners it is represented by PITI (principal and interest on a mortgage, mortgage insurance premium (if applicable), hazard insurance premium, property taxes, and homeowners' association dues [if applicable]).The second DTI, sometimes referred to as the back-end ratio, shows what proportion of gross income is used to pay all recurring debts, including those covered by the first DTI, as well as other obligations including credit card, automobile, student, child support, alimony, and court judgment payments.The debt-to-income (DTI) ratio calculates how much money a person or business needs to make in order to pay off their debts.The maximum DTI that a borrower can have and still get approved for a mortgage is typically 43%, however lenders prefer ratios of no more than 36%.A borrower is more desirable if they have a low DTI ratio, which suggests that their income is sufficient to cover their debt obligations.Know more about DTI ratio visit:
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luke is aware of where he currently is and is also aware that he is struggling to pay attention during class because his keeps thinking about what he needs to do when he gets home from class. this example of .
Luke is example of Attention-deficit/hyperactivity disorder, or ADHD
Define ADHD.A prevalent neurodevelopmental condition in children is ADHD. Children with ADHD may struggle to focus, manage impulsive behaviors (doing without considering the consequences), or be extremely active. Even though it is unclear what causes ADHD, research is still being done.
Genetics, the environment, or issues with the central nervous system at critical junctures in development are some of the variables that may play a role in the development of ADHD. The signs of ADHD are typically identified at a young age and may worsen as a child's environment changes, such as when they start school.
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every year, americans gather on july fourth to celebrate independence day in honor of july 4, 1776, when the original american colonies declared independence from england. what particular component of ethnicity is embodied in this celebration?
Every year, Americans gather on July fourth to celebrate independence day in honor of July 4, 1776, when the original American colonies declared independence from England. The particular component of ethnicity is embodied in this celebration is the origin myth.
The Thirteen British Colonies, the Thirteen American Colonies, or later known as the United Colonies, or the Thirteen Colonies, were a group of British colonies on the Atlantic coast of North America.
As a result, the British colonies in North America were largely commercial. They provided an outlet for England's surplus population and (in some cases) more religious freedom than England, but their main purpose was to raise money for their sponsors.
Britain, France, Spain and Holland establish colonies in North America. The motives for colonization and expectations for potential gains varied from country to country.
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On what issue were many of the disagreements of Hamilton and Jefferson based?
Hamilton and Jefferson's disagreements stemmed from their divergent perspectives on what was best for the new nation. The American economy's foundations the two leaders disagreed on economic policy.
Hamilton supported the creation of the Bank of North America because he believed in the establishment of a central bank. Hamilton deemed the issuance of debt as "a national blessing if not excessive." Jefferson strongly disagreed and did not support it.
Americans were cautioned by Jefferson against the central banking system. The banks and corporations that will develop around the American people will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered if the American people ever allow private banks to control the issue of their currency, first through inflation and then through deflation.
Jefferson represented the interests of landowners in the South, whereas Hamilton represented the East Coast merchants. Jefferson held a pastoral ideal of small farmers.
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the double yellow arches often bring to mind cheap fast food for people who see them while they're driving. what sociological perspective helps explain this behavior?
The behavior where double yellow arches often bring to mind cheap fast food for people who see them while they're driving displays the sociological perspective of symbolic interaction.
In the field of sociology, symbolic interaction can be described as the way people respond to a particular thing based on the subjective meaning of the thing. Symbolic interaction is based on practical considerations of people.
In symbolic interaction, people focus on the symbols that help us in understanding the meaning of things.
In the case above, a symbol has been formed for the double yellow arches that bring cheap fast food to the people that are driving, hence this is an example of symbolic interaction.
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which statement is true according to piagetian theory? group of answer choices b. children can think symbolically if asked directed questions. c. children come to conclusions based on logic. a. children need few materials to explore. d. children make decisions on what they see.
Answer:
d. children make decisions on what they see.
Explanation:
According to Piagetian Theory, it is true that children make decisions on what they see. Children are taught mostly by adaptation when you look into Constructivist Theory.
if someone asked you about the effectiveness of critical incident stress debriefing following a disaster, you would be correct (based on the research) in saying that: group of answer choices
If someone asked you about the effectiveness of critical incident stress debriefing following a disaster, you would be correct (based on the research) in saying that there is little evidence that debriefing works.
Critical incident stress debriefing (CISD) refers to a structured process provided in small groups led by a facilitator conducted shortly after a traumatic event or disaster with individuals deemed to be under stress from trauma exposure. It is developed to assist people process the traumatic event to reduces symptoms of depression, traumatic stress, and anxiety. Critical incident debriefing consists of seven stages, can lasts for three hours or less. According to research (2019), though it is considered important by hospital personnel there is still limited evidence that whether it reduce symptoms of traumatic exposure.
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your son's physical education teacher praises the power behind his shot and asks him to now concentrate on making contract with the ball closer to its center to generate even greater power. this feedback is .
This feedback is extrinsic and knowledge of performance.
What is extrinsic feedback?
Extrinsic feedback comes from outside sources before, during, or after a performance. It consists of elements the performer can hear or see. A wheelchair basketball player, for instance, is able to verbally pick up on feedback from a coach, teammates, crowd reaction, and referee rulings. The player can watch how far the ball travels and the score.
A performer may require more extrinsic input at first if they are new to the sport. They gain the fundamental abilities as a result of this. However, beginners should also have time to practise alone so they may start to feel comfortable with and comprehend those skills.
Two knowledge domains are used to base feedback:
knowledge of performanceknowledge of resultKnowing how well an athlete did, as opposed to the outcome, is the focus of performance knowledge. A golfer, for instance, might hear that their putting was excellent while having poor drives.
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your son's physical education teacher praises the power behind his shot and asks him to now concentrate on making contract with the ball closer to its center to generate even greater power. this feedback is .
Margie insists that she never dreams, but her sister feels she can prove otherwise. To prove that margie does dream, the sister should.
Her sister should according to the question wake Margie up a few minutes after her REM sleep and then ask about what she saw as a dream.
REM sleep and dreams:
Rapid eye movement (REM) sleep is "a type of sleep that occurs intermittently throughout the night and is characterized by faster respiratory and pulse rates, greater dreaming, and increased physical movement." Dreamlessness is a hallmark of non-REM (non-rapid eye movement) sleep.
NREM sleep is characterized by a drop in mental activity and consists of phases 1-3 (formerly stages 1 through 4). It is dreamless sleep. a condition that differs from REM sleep in terms of its EEG (electroencephalographic) pattern and lacks the latter's obvious rapid eye movements and twitches. The person sleeping in this position is still, breathing, has a slow heartbeat and brain waves, and has low blood pressure.
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To prove that Margie does dream, the sister should wake Margie following 5 minutes of REM rest and ask her what she's dreaming.
What is REM?Stage R, often known as rapid eye movement (REM) rest, typically starts an hour and a half after you fall asleep. Your mind starts to move more, your eyes start to move quickly, and your heart rate, blood pressure, and breathing rate all increase. Additionally, most of your dreaming occurs at this time. REM sleep is important for memory and learning. The majority of the time that you are sleeping in REM, your body is still; nevertheless, if you experience exceptionally vivid or shocking nightmares, you may find yourself tossing, kicking, or striking. Clamours include loud noises when you're sleeping, such as yelling or talking.To prove that Margie does dream, the sister should wake Margie following 5 minutes of REM rest and ask her what she's dreaming.To learn more about REM refer to:
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How would implementing Discretionary Spending Caps affect inflation?
The implementation of a Discretionary Spending does not influence inflation, therefore, it does not affect an inflation rate in all country
What do we know as discretionary spending?In finance, a discretionary spending refers to a government spending implemented through an appropriations bill. This type of spending is an optional part of fiscal policy and in contrast to social programs for which funding is mandatory and determined by the number of eligible recipients.
Some of the examples of sectors funded by a discretionary spending by the government includes the national defense, foreign aid, education and transportation etc.
A study conducted by Louis Federal Reserve found that government spending has little to no impact on inflation. In fact, about a 10% increase in government spending may even lead to a 0.08% decline in inflation. Therefore, there is no correlation between Discretionary Spending and inflation.
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After sequencing an unknown gene from a mouse, you blast it to try to figure out the function of the gene. You use a blastx, which compares the translated nucleotide sequence to protein sequences. The following are your results. What do they mean?.
The unknown gene in the mouse probably encodes a protein similar to the paired box 2 (pax2) protein.
The function of the Pax2 gene
The PAX2 gene gives instructions for making a protein that is important in the development of the eyes, ears, brain and spinal cord (the central nervous system), kidneys, urinary tract, and genital tract during embryonic development.
Who is PAX3 gene-carrier?
Individuals with craniofacial-deafness-hand syndrome, a disorder marked by unusual facial features, substantial hearing loss, and abnormalities of the hand muscles that can limit movement, have at least one PAX3 gene variant (also known as a mutation).
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researchers can isolate a single factor and examine the effect of that factor alone on a particular behavior through use of a(n) . group of answer choices
Researchers can isolate a single factor and examine the effect of that factor alone on a particular behavior through the use of choices in an experiment. An experiment means when a hypothesis is tested scientifically and checks when the cause is changed what would affect that factor alone.
Why is it crucial for researchers to randomize the order in which participants experience the experiment's various conditions?
An essential component of experimental research is random assignment to conditions in between-subjects experiments or the ordering of conditions in within-subjects studies. Its goal is to manage auxiliary variables to prevent them from becoming confusing.To learn more about researchers, follow the link https://brainly.com/question/24174276
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whenever valerie experiences intense feelings of fear, she is overwhelmed with childhood memories of her abusive parents. valerie's experience best illustrates:
The answer is mood-congruent memory
Flashbulb memories include the assassination of US president John F. Kennedy in 1963 and remembering the moment you learned of Princess Diana's passing in 1997
Which of the following best describes a memory that suddenly came to you?
Flashbulb memories include the assassination of US president John F. Kennedy in 1963 and remembering the moment you learned of Princess Diana's passing in 1997. recollecting your location during the time of the 1989 fall of the Berlin Wall.
Only personal memories of the circumstances surrounding how one learned about a public occurrence are referred to be "flashbulb memories."
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udy calibuso and her coworkers brought a case against merrill lynch, charging them with workplace practices related to gender inequality. what relevant sociological phenomenon was most specifically at play in the charges against merrill lynch?
The relevant sociological phenomenon was most specifically at play in the charges against Merrill lynch glass ceiling.
Sociology is the study of social causes and consequences of social life, social change, and human behavior. Sociologists study the structure of groups, organizations, and societies and how people interact in these contexts.
The sociological perspective is an approach to understanding human behavior by placing it in a broader social context. C. Wright Mills identified the sociological perspective as the intersection of biography (individuals) and history (the social factors that influence individuals).
Sociology is the social science that study human societies, their interactions, and the processes that maintain and transform them. This is done by examining the dynamics of social constructs such as institutions, communities, population groups, gender, race and age groups.
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which of the following studies is linked most directly to the establishment of the national research act in 1974 and ultimately to the belmont report and federal regulations for human subject protection? tearoom trade study (humphreys) phs tuskegee study stanford prison experiment (zimbardo) all of the above none of the above
Establishment of the national research act in 1974 and ultimately to the Belmont report and federal regulation for human subject protection is .The Tuskegee Study of Untreated Syphilis in the Male Black Population by the Public Health Service.
In 1974, the National Research Act was enacted, establishing the Commission for the Protection of Subjects of Health and Behavioral Study. According to study, they identified a number of fundamental concepts and considered how they might be applied.
One of the most heinous and immoral clinical studies was the Tuskegee Study of Untreated Syphilis in African-American Male, carried out by the State Health Service beginning in 1932. The subjects in this study were given the false impression that they would receive free health care from the federal government, despite the fact that the project's purported goal was to evaluate the prevalence of untreated syphilis.
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where do personal identities begin?group of answer choiceswithin the home and, often, the extended family (grandparents, aunts, uncles) teach the child about the family's cultural and ethnic heritagesfrom self reflection over time, thinking about one's family's origins and ethnic heritage within the family of origin and teaches the child about the family's cultural and ethnic heritage within the family of origin, however, external influences can shape one's personal identity
Personal identities begin within the home and, often, the extended family (grandparents, aunts, uncles) teach the child about the family's cultural and ethnic heritages from self-reflection over time.\
An ethnic group or ethnicity is a group of people who identify with each other based on common characteristics that distinguish them from other groups.
While race can be inferred from skin color, ethnicity takes into account cultural makeup. For example, you may have German ethnicity because your great-grandmother or grandfather was from Germany, speaks German, and follows German cultural traditions.
Your ethnicity refers to your heritage, culture, religion, ancestry, or sometimes the country in which you were born.
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In his first message to congress, president andrew jackson proclaimed that the five civilized tribes presented a major problem for.
In the first message to congress, President Andrew Jackson proclaimed that the five civilized tribes presented a major problem for state sovereignty.
State sovereignty defines the legal authority and responsibility of an independent state to regulate and govern its political affairs without foreign interference. President Andrew Jackson in his first congress message stated that the Indian tribes living independently within the state as sovereign entities presented a major problem for US state sovereignty. As a result, he pursued a policy of removing and resettling these tribes in the West. Hence, the Indian Removal Act offered the tribes land in an area west of Mississippi as well as compensation for the property abandoned.
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one of the goals of delivering bad news is to: group of answer choices protect the audience's self-esteem by only hinting at the news budget additional time to re-explain the message state the news clearly, yet sensitively do whatever is necessary to get the point across, even if offending your audience gloss over facts that may cause legal complications
one of the goals of delivering bad news is to gloss over the facts that may cause legal complications.
It is important to be upfront and honest about what happened and what you're going to do to make it right rather than trying to "sugarcoat" the facts. Keep in mind that your attitude and the clarity of your message are two important factors in this conversation. Be direct, clear, and sincere.
When communicating bad news, whether verbally or in writing, the following seven objectives should be kept in mind:
Be succinct and straightforward to avoid the need for further explanation.Avoid using offensive language or actions.Prevent using absolutes and paradoxes.Avoid being unclear or misunderstood.Keep your privacy and respect.Hence, Option A is the correct answer.
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The correct question is:
One of the goals of delivering bad news is to ________.
A) gloss over the facts that may cause legal complications
B) budget additional time to re-explain the message C) offend your audience, if necessary, to get the message across
D) protect the audience's self-esteem by only hinting at the news
E) state the news clearly, yet sensitively
because of an impaired ability to focus and a tendency to become easily distracted, individuals with attention-deficit hyperactivity disorder may have an especially difficult time dealing with what barrier to effective listening?
Individuals with attention-deficit hyperactivity disorder may have an especially difficult time dealing with a barrier to effective listening called : information overload.
What is attention-deficit hyperactivity disorder?Attention-deficit hyperactivity disorder can be defined as the type of a disorder in which a person in unable to pay attention to details or to listen carefully to what someone is telling them and this disorder can affect every day life activities of the person because of this condition sufferred by the person.
On the other hand information overload has to do with inability of a person to to understand an issue which in turn can lead to making wrong decision and this occur due to excess information the person have received regarding the issue leading to difficulty processing the information.
Therefore this scenario is an example of information overload.
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Why do you think Britain made the proclamation of 1763
HELP MEEE
Answer:
You're answer is correct and raising taxes
Provide an evidence-based intervention nurses can implement to meet the nutritional needs of their patients?.
Nutrition interventions may include optimizing the patient's oral intake, providing oral nutrition supplements, and administering enteral and parenteral nutrition. Nurses play a key role in implementing these interventions.
What are the nutritional needs?
Nutritional needs are the amount and chemical form of a nutrient needed to support normal health, without disturbing of the metabolism of other nutrients. Nutrient intake recommendations are based on the estimated average requirement (EAR) of a population group.A healthy diet throughout life promotes healthy pregnancy outcomes, supports normal growth, development and ageing, helps to maintain a healthy body weight, and reduces the risk of chronic disease leading to overall health and well-being.Nurses have the expertise and responsibility to ensure that patients and clients' nutritional needs are met. Providing nutrition screening and appropriate nutrition advice is essential to improve healthy eating and subsequent health outcomes. Non-communicable diseases are often associated with modifiable risk factors.to follow more about nutrition and its need follow
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The __________ shows the number of data items with values less than or equal to the upper class limit of each class.
Cumulative frequency distribution shows the number of data items with values less than or equal to the upper class limit of each class.
What does a tabular summary of a set of data displaying the percentage of all items in various classes show?
A table summary of a collection of data displaying the relative frequency of items in each of multiple non-overlapping classes is known as a relative frequency distribution. The percentage or share of all the entries in a class that are in the relative frequency.
What kinds of variables are there in statistics?
These statistics variables can be generically categorised into four groups: independent variables, dependent variables, categorical variables, and continuous variables. These are not the only data types that quantitative and qualitative variables can store, including nominal, ordinal, interval, and ratio data.
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What big ideas have survived from freud’s psychoanalytic theory? in what ways has freud’s theory been criticized?.
he importance of childhood experiences was big ideas have survived from Freud's psychoanalytic theory
Why did many oppose Freud's psychoanalytic theory?
The theory is frequently criticised for being too simplistic to ever describe anything as complicated as the human mind, as well as for Freud's overemphasis on sex and lack of balance in this area. These objections are made by both laypeople and experts alike (was sexist).
What is wrong with psychoanalytic thought, exactly?
Freud's theories, to begin with, are founded on the "unconscious mind," which is challenging to describe and study. The "unconscious mind" is not supported by scientific research. And since no one truly understands what the unconscious mind is, it would be challenging to identify who would be equipped to make assumptions about this.
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Identify the two major savannas of south america and explain how they are distinctly different from each other.
The two major savannas of South America are Pampas and Patagonia that are distinct from one another due to their varied flora and geology.
The Pampas are the nation's biggest and most valuable grassland plains and it takes up roughly one-third of Argentina's total land area. The Quechua word for "flat plain" is Pampa. It covers 750,000 square kilometers and continues through Uruguay to the Andes. The gaucho, sheep estancias and cattle ranches all call this place home.
On the other hand, Patagonia is a vast, arid plateau that extends southward to Tierra del Fuego and is covered in mountain valleys, meadows, woods and lakes. It encompasses both Chile and Argentina and is covered with glaciers, ice fields and stunning mountain peaks.
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austin can't remember jack smith's name because he wasn't paying attention when he was introduced to jack. austin's poor memory is best explained in terms of group of answer choices
Austin's poor memory is best explained in terms of encoding failure.
What is encoding?
The initial experience of perceiving and acquiring information is referred to as encoding. Psychologists frequently use lists of words or images to test people' memory. In these circumstances, encoding is fairly simple. Encoding in "real life" is far more difficult.
The different encoding types include:
Visual EncodingAcoustic EncodingSemantic Encoding.What is encoding failure?
Failure to encode describes a malfunction in the transmission of information to the cognitive system. Failures in the encoding prevent the data from being stored in memory. Inattention to the target information or interference while the target information is delivered can both result in encoding failures.
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What ethical dilemma did harriet beecher stowe face when she first witnessed slavery in kentucky in 1833?.
The ehtical dilemma nevered diiferred when fugitive slaves would ask her for help escaping, as she was disgusted by the practice of slavery.
Slavery and enslavement are both the country and the circumstance of being a slave, who's someone forbidden to give up their carrier for an enslaver, and who is handled by using the enslaver as their belongings. slavery, circumstance wherein one person changed into owned via some other. A slave changed into considered by using regulation as property, or chattel, and turned into deprived of most of the rights by and large held through loose people.
Historically, there are numerous exceptional varieties of slavery along with chattel, bonded, compelled labour and sexual slavery. the key characteristics of slavery are ones typically agreed which include the lack of freedom of movement and legal rights. Many kids are forcibly kidnapped for use as opponents. Others are made to work as porters, chefs, guards, servants, messengers, or spies. younger women can be compelled to “marry” or be raped with the aid of commanders and male opponents.
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Pretend you are going to start a group in your community (give it a name). State why you are forming this group, how you would recruit members and one project you want the group to undertake immediately
Think about it logically: A group is either willing to accept a new member in project or it is not.
In project joining No matter how you go about it, if they aren't willing, nothing you say will change anything. You might as well act as though each group you contact will be delighted to welcome a new member and presume that they are open to doing so. You adopt a positive outlook by viewing things from that angle. People prefer positive individuals in their study groups and do not typically enjoy downers who dampen the atmosphere. Therefore, approaching a group with positive optimism increases the likelihood that they will be delighted to accept you. Consequently, how you approach
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What should be changed to make the following sentence true? asch conducted his prison experiment to demonstrate that social roles have a great deal of influence on individual behavior.
To make the sentence of the utterance true, the "individual" word should be changed to the "collective" word.
What are social roles?Corresponds to a term related to the social sciences, which designates that in society there are pre-defined roles for citizens that are learned and culturally implemented through the process of socialization, with social roles being the set of behavior and actions expected of a group of people.
In the case of the prison experiment, the researcher may have chosen the prison as a system of social structure where social roles could be clearly observed and how these would impact and direct collective behavior.
Therefore, social roles are constructions that are passed on in society through local culture, which are sometimes dominated by a bias that generates gender inequality and prejudice.
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Canada’s national government is made up of an executive, legislative, & judicial branch which governs the whole nation. However, the provinces & territories have their own governments which take care of issues that do not belong to the national government. What type of government is being described?
A. autocratic
B. federal
C. unitary
D. Confederal
Answer:B
Explanation:
What lessons did the Tet Offensive teach us, according to Kennedy? What reasons does Johnson give for withdrawing from the presidential race?
Kennedy was worried about the communist Viet Cong's advancements, but he did not want to get embroiled in a ground conflict in Vietnam.
What lessons should be learned from the Vietnam War?The Tet Offensive altered how the general public saw the Vietnam War. The strikes made South Vietnamese and Americans doubt the fate of the war, despite being a costly defeat for North Vietnamese and Viet Cong communist forces.
There are many things to learn from Vietnam, but three stand out as the reasons the United States lost the conflict: ignorance, haughtiness, and the lack of a strong local friend. All three still define American foreign policy today and contribute to the failure of the wars in Afghanistan and Iraq.
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a researcher investigates the association between urban gangs and violence by analyzing data. he then constructs a theory stating that violent behavior is a function of deviant subcultures. his research project is an example of:
Its an example of Inductive research that the researcher has used in finding the association between urban gangs and violence.
what is inductive research?
The inductive approach, commonly referred to as inductive reasoning, begins with observations, and theories are presented as a result of those findings toward the end of the research process. Through a succession of hypotheses, inductive inquiry "involves the search for pattern from observation and the development of explanations - theories - for those patterns". Inductive investigations don't start with theories or hypotheses in place, and once the research process has started, the researcher is free to change the study's path as they see fit. It is crucial to emphasise that using an inductive method when developing research questions and objectives does not imply ignoring theories. This strategy seeks to derive meanings from the gathered data set in order to spot trends and linkages and develop a theory.
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