The most common path is an apprenticeship program.
LUCA makes $58,000 per year, is single, and lives in Seattle, WA. He has $27,000 in Direct Unsubsidized federal loans, but he’s got another $62,000 in private student loans and lives in an expensive neighborhood, so his rent is high. He’s hoping to keep his Federal student loan payments to less than $200 per month for the first few years so that his budget will work out.
What is a potential downside of Luca's taking this loan repayment plan that works in his budge right now?
Answer:
A downside is that his budget may change or things like rent will increase
Explanation:
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With a 10% reserve requirement ratio, a $100 deposit into new bank means that the maximum amount new bank could lend is.
Answer:
If the reserve requirement is 10%, the deposit multiplier means that banks must keep 10% of all deposits in reserve, but they can create money and stimulate economic activity by lending out the other 90%. So, if someone deposits $100, the bank must keep $10 in reserve but can lend out $90.
Explanation:
:)
According to surveys of companies, the most important quality they look for in a job applicant is __________.
I don't know what your choices are but the quality they look for in a job applicant is the ability to communicate effectively
Andrea is an accountant who lives in the state of Texas. Which tax is she not responsible to pay?.
In the states of texas, Andrea is not responsible to pay the inheritance tax as there are no applicability of inheritance tax in texas.
What do you mean by tax?
Tax is an obligatory payment made by the citizens or corporations to the government. These taxes are the major sources of revenue for the government.
As Andrea works as an accountant and lives in Texas, she is exempt from paying the inheritance taxes as this tax is repealed by the state.
Thus, Andrea is not responsible to pay inheritance tax.
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An employee contacts his supervisor to request time off guaranteed to him under the family and medical leave act. Under which circumstance do the provisions of this law apply?.
Answer:
The employee qualifies for time off to care for a newborn child.
Explanation:
Allison, age 40, earns $95,000 annually; her wage replacement ratio has been determined to be 70%. She expects inflation will average 3% over her entire life expectancy. She expects to work until 67, and live until 95. She anticipates a 7. 5% return on her investments. Allison does not expect to receive any Social Security retirement benefits.
Calculate Allison’s annual retirement needs in today’s dollars
What is the amount of Allison’s first retirement distribution at age 67
Calculate Allison’s capital needed at retirement age 67
a. The retirement needs in todays dollars is $66,500
b. $147,715.2 is the amount of Allison’s first retirement distribution at age 67
c. The capital at retirfement at this age is $2,463,098.27
a. The retirement needs in todays dollars= Earnings in this period x wage replacement
= 95000 * 0.70
= $66,500
b. The wage at the age of 40 is = 95000 dollars
Inflation rate that is in the economy = 3%
Age difference = 67 - 40 = 27
Adjusted inflation that is based on age
95000x(1+3%)²⁷
= 95000 x 2.22128
= $211,022.46
The replacement ratio = 70%
$211,022.46 x 0.7
= $147,715.2
$147,715.2 is the amount of Allison’s first retirement distribution at age 67
c. The solution for c is contained in the excel document below.
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________ is a term that denotes the set of assets and liabilities that are linked to a brand and enable it to raise a firm's valuation.
Percy’s GPA is 2. 75, so he should list it on his résumé. Please select the best answer from the choices provided T F.
The given statement that GPA of Percy is 2.75, so he should list it on his resume, is the false statement.
What is GPA?
The full name of GPA is the Grade Average Point. A GPA is the sum of all of the individual grade points earned throughout the degree program.
Graduate students are often obliged to have a certain GPA.
At the time of filling out a resume, there are several basic and necessary questions that a person should consider in order to meet the criteria that the client is searching for.
In terms of GPA, Percy's is comparable. It is not appropriate to include it on a resume unless specifically requested or required. Most of the time it isn't required, thus the given statement is false.
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Answer: False
Explanation:2.75 gpa is bad
what would happened is banking didnt exist? i really have no idea
Answer:
we wouldn't have loans to buy a house or a car. We wouldn't have paper money to buy the things we need. We wouldn't have cash machines to roll out paper money on demand from our account
Explanation:
What are the two key parties to a promissory note?.
Answer:
The party making the promise to pay is called the maker. The party to whom payment is to be made is called the payee.
Explanation:
Olivia keeps her work desk neat and arranges her files in alphabetical order. She’s demonstrating the professional habit of organization . Chang provides support to his coworkers when they need to interpret the computer codes in some records. He’s demonstrating the professional habit of adaptability .
Answer:
Which attributes of professional and ethical conduct are Olivia and Chang demonstrating in this scenario?
Olivia keeps her work desk neat and arranges her files in alphabetical order. She’s demonstrating the professional habit of organization.
Chang provides support to his coworkers when they need to interpret the computer codes in some records. He’s demonstrating the professional habit of helpfulness.
Explanation:
The files on Olivia's desk are arranged alphabetically and she keeps her workspace tidy. She is exemplifying the professionalism of organization. When his colleagues need assistance deciphering computer codes contained in some records, Chang offers assistance. He is practicing being helpful in a professional manner.
What do you meant by a work desk?For academic, professional, or household tasks like reading, writing, or utilizing technology like a computer, a desk or bureau is a piece of furniture having a flat table-style work surface that is used in a school, workplace, home, or places similar to these.
Desks frequently include one or more drawers, compartments, or pigeonholes where objects like office supplies and documents can be kept. Although materials like glass are occasionally encountered, desks are typically built of wood or metal.
Some desks resemble tables, but unlike most typical tables, just one side of a desk is typically acceptable for sitting at (there are notable exceptions, such as a partners desk). Some desks don't take the shape of a table; one example is an armoire desk
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What will most likely cause a lender to approve credit?
O A historic credit score of 500
O Most payments paid on time
O A large amount of debt owed
O A long credit history with high balances
Answer:
Most payments paid on time.
Explanation:
The more you pay off the higher your credit score get the more you can buy.
Most payments paid on time, most likely cause a lender to approve credit. Thus, option (b) is correct.
A lender is less likely to approve loans if you have a 500 credit score historically and a lot of debt. Lenders take into account variables including credit score, payment history, debt-to-income ratio, and length of credit history when determining a borrower's creditworthiness.
Hard credit inquiries that are often needed for mortgage pre-approval can lower a buyer's credit score by five points or fewer. It is advised that throughout the underwriting process, borrowers refrain from opening any new credit lines or taking out any loans, since this could have an impact on the result.
As a result, the significance of the payments paid on time, most likely cause a lender to approve credit are the aforementioned. Therefore, option (b) is correct.
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A city spent $2 million to build a pedestrian bridge that has proved unsafe. The city can repair this bridge or demolish it and build a new one. If the resulting bridge would be equally attractive and useful either way, how should the $2 million already spent factor into the city's decision?
The city should ignore the $2 million, since either way it has already been spent.
What is sunk cost?Sunk cost is a cost that has already been incurred. It means that the amount has already been spent. Cost that has already been incurred should not be considered when making future economic decsions.
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How old do you have to be to start working at a true job.
Answer:
As a general rule, the FLSA sets 14 years old as the minimum age for employment, and limits the number of hours worked by minors under the age of 16.
Which term works best as a title for the list?
?
Is a factor of production
Refers to natural resources
Includes trees, oil, and salt
A. Labor
B. Land
C. Capital
D. Entrepreneur
The Land is th term that works best as a title for the list that it is a factor of production. Hence, option B is appropriate.
What is the meaning of Land?The solid terrestrial surface of Earth that is not covered by an ocean or other body of water is referred to as land, sometimes known as dry land, ground, or earth. It encompasses all continents and islands and accounts for 29.2% of the Earth's surface. The solid terrestrial surface of Earth that is not covered by an ocean or other body of water is referred to as land, sometimes known as dry land, ground, or earth.
The term "land" refers to all natural features that have been given to a place or piece of property, including the surrounding landscape, fields, woods, minerals, climatic conditions, fauna, and water bodies or sources.
The word "land" comes from the Old English word "land," which also meant "defined section of the earth's surface, the home region of a person or a people, territory marked," and "ground, soil."
Hence, option B is correct.
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match each educational qualification with its description
certification a on the job training experience
apprenticeship general two-year college degree
doctoral degree four-year college degree
bachelors degree advanced, specialized degree earned after masters
associates degree an endorsement from a professional,
nongovernment organizations
The educational qualifications and their descriptions are:
Certification - general two-year college degree.Apprenticeship - a on the job training experience.Doctoral degree - advanced, specialized degree earned after masters.Bachelors degree - four-year college degree.Associate degree - an endorsement from a professional, nongovernment organizations.What are some educational qualifications?A certificate involved going to college or an institution of higher learning for two years. An apprenticeship doesn't involve going to school, but gaining experience from working.
A bachelors degree is a four year qualification that is gained from college and a doctoral degree can only acquired after one gets a masters.
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Charlotte complains that a lot of turnover is coming from branches that used to be first american before the merger. She claims that the employees there were not used to so much oversight and had more authority. Based on this information, first american highly valued.
We can infer that based on the fact that employees were not used to so much oversight, First American highly valued Delegation.
What did First American value?Delegation in a company means that superiors endow their subordinates with roles and adequate authority to get a certain job done with little oversight.
Charlotte's complaint about employees not being used to oversight therefore means that there was a lot of delegation in First American where employees had more authority.
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Which eoc configuration allows personnel to function in the eoc?.
Answer: The Departmental Structure allows personnel to function in the EOC with minimal preparation or startup time.
Explanation:
Why is it a mistake to put e-mail addresses of people who don't know each other in the "to:" field?
An email is a form of electronic communication that allows you to send messages to other people. Because of the rise in cybercrime, we might assume that unusual emails can be risky.
Importance of Sending an Email?Email is a popular method of corporate communication since it is quick, cheap, widely available, and easily replicated. Email may be extremely beneficial to organizations because it provides an efficient and effective means of transmitting all types of electronic data.
One of the primary benefits of email is the ability to rapidly and conveniently distribute electronic files such as written documents, photographs, and data sheets to multiple contacts at the same time by simply attaching the file to an email.
Thus, The person you send it to will most likely think it's a fraud or that it was sent to the wrong person. But, most critically, to ensure that no one's email address is leaked. They did not agree to have their contact email shared with others.
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Your younger cousin Mary is a rising senior in high school this year and has been researching the cost of attendance at several colleges. She emails you because she knows that you have just learned about paying for college and she has some serious concerns. Here are some excerpts from her email: --Despite her strong academic performance in high school and her interest in pursuing a career in chemical engineering, Mary reveals, “I’m starting to think that college just isn’t worth it. I don’t see how a college degree is going to help me in the future if it costs so much. Aren’t I better off just going straight into a job with my high school degree and saving my money?” --“I’ve been looking at the published costs of attendance on college websites, and they’re insanely high! There’s no way my family and I can afford such prices.” --“I know financial aid is available for students, but I don’t know what types there are, let alone how to apply for financial aid. Even if I knew how to apply, should I apply? I don’t think I’ll qualify and I don’t want to put in all that work for nothing.” --“I know that I have to start paying my loans right after I graduate college. But what if I don’t have a job by that time? And what if I can’t afford my monthly payments? I don’t want to take that risk.” You recognize that Mary has a few misconceptions and gaps in knowledge about how to pay for college and want to make sure that she makes a decision based on the right information. In 4-5 paragraphs, respond to Mary about each of her concerns.
Please note that the type of letter described above is an informal Letter. This is because there is an existing relationship with the recipient of the letter.
How do you write an Informal Letter?An informal letter should:
have your address on the top right cornerhave the date of the letter underneath your addressstart with a salutation such as "Hello Mary"have an introduction that is may or may not be personal. But preferably personal since you know Mary personally. For example, "It's been a while, Mary, I trust this meets you and yours well."have a body that is clear, and specific. Remember your intention is to narrate your experience. Use short sentences.have a great closing. You may use "Best" or "Warmest regards", or "Best wishes" since this is an informal letter.The last item should be your name and your signature. Your signature should come before your name.
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Exercise 20-17 Preparation of cash budgets (for three periods) LO P2 Kayak Co. Budgeted the following cash receipts (excluding cash receipts from loans received) and cash payments (excluding cash payments for loan principal and interest payments) for the first three months of next year. Cash Receipts Cash payments January $ 525,000 $ 475,000 February 400,000 350,000 March 450,000 525,000 According to a credit agreement with its bank, Kayak requires a minimum cash balance of $30,000 at each month-end. In return, the bank has agreed that the company can borrow up to $150,000 at a monthly interest rate of 1%, paid on the last day of each month. The interest is computed based on the beginning balance of the loan for the month. The company repays loan principal with any cash in excess of $30,000 on the last day of each month. The company has a cash balance of $30,000 and a loan balance of $60,000 at January 1. Prepare monthly cash budgets for January, February, and March. (Negative balances and Loan repayment amounts (if any) should be indicated with minus sign. )
The preparation of the cash budgets for the first three months of next year for Kayak Co. is as follows:
January February March
Beginning cash balance $30,000 $30,000 $69,294
Cash receipts 525,000 400,000 450,000
Total cash available $555,000 $430,000 $519,294
Cash disbursements 475,000 350,000 525,000
Ending cash balance $80,000 $80,000 ($5,706)
Required minimum balance 30,000 30,000 30,000
Available for Loan Payment 50,000 50,000 ($36,000)
Loan Interest & Principal Payment:
Interest repayment $600 $106
Loan:
Beginning balance $60,000 $10,600
Loan repayment ($49,400) ($10,600)
Ending balance $10,600 $0
Data and Calculations:Month Cash Receipts Cash Disbursements
January $ 525,000 $ 475,000
February 400,000 350,000
March 450,000 525,000
Minimum required cash balance = $30,000 per month-end
Loan limit = $150,000
Monthly interest rate = 1%
Interest payment and principal repayment = last day of each month
Interest computation = beginning balance
Beginning cash balance = $30,000
Beginning loan balance = $60,000
The beginning cash balance of March is $69,294 ($80,000 - $106 - $10,600)
Thus, at the end of March, Kayak Co. needs to borrow $36,000.
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Financial assistance from the government to citizens in the form of tax credits or monetary payments is called
Tax relief serves as Financial assistance from the government to citizens in the form of tax credits or monetary payments.
What is Tax relief?Tax relief can be regarded as government program or policy that are been put in place to help individuals and businesses .
It help to reduce their tax burdens or resolve their tax-related debts.
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When a manufacturer produces several products that are substitutes for one another and others that complement these products, it should use Blank______.
It is important that a manufacturer uses a Product-line pricing when its produces products that serves as substitutes for one another and others that complement these products.
What is a Product-line pricing?This is product pricing strategy that is implement when a firm has more than one product in a product line.
The pricing strategy ensured the profitability is achieved by a firm in the market.
Therefore, the pricing strategy is imporant to use when a products serves as substitutes for one another.
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Organizations use ______ such as commissions, profit-sharing, bonuses, and stock options to attract and retain top performers.
Answer:
The answer is incentives
Explanation:
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What risk are you taking when you invest your money in the stock market?.
Answer:
You could lose your entire investment.
Explanation:
A government that enforces strict quality requirements for its imported goods is applying what type of trade regulation?.
Governments can impose import and export limits in addition to abolishing tariffs, levies, or taxes on particular in-demand items. Import quotas regulate the volume or amount of a commodity that may be brought into a nation for a predetermined period of time.
Why do governments regulate imports?This supports economic growth and maintains a healthy economy. A government may implement certain tariffs to draw consumers' attention back to local firms and thereby shield and safeguard their own economy from the outside competition if the home economy is finding it difficult to compete with international rivals.
Governments primarily use tariffs, subsidies, and quota systems to impose trade restrictions. A quota system places limits on the number of commodities that may be imported into a nation. Governments can limit the number of imports to assist safeguard native businesses by using quota systems.
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Elasticity measures the responsiveness of Multiple choice question. one variable to changes in another. one variable to changes in many other variables. many variables to changes in many variables. many variables to changes in one variable
Elasticity measures the responsiveness of one variable to changes in another. The correct option is A.
What are the measures of elasticity?The price of the commodity, the price of related goods, and consumer income are the three quantifiable factors that determine demand and are used to calculate its elasticity. Price, cross, and income elasticities of demand are the three types of elasticities of demand.
The degree to which the quantity of a good is demanded in response to a change in its price is known as its elasticity of demand. The formula for calculating it involves dividing the proportionate change in quantity demanded by the proportionate change in the price level.
Elasticity is a measure of a variable's receptivity to changes in another variable. Elasticities are unitless, so you can measure the underlying variables in any way you like and they won't affect the elasticity. Elasticity and slope are not the same.
Thus, the ideal selection is option A.
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What element of the marketing mix has a unique role in that it is the place where all other business decisions come together?.
The element of marketing mix that has a unique role in that it is the place where all other business decisions come together is known as Place
What is marketing mix?The marketing mix relates to the collection of steps or strategies employed to sell the brand or commodity on the market by an company.
Elements of marketing mix include:
PlacePricePromotionProductHence, the element of marketing mix that has a unique role in that it is the place where all other business decisions come together is known as the place.
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What system is based on the supply and demand of goods to make a profit?.
Answer:
B : market economy
Explanation:
At which stage in the product life cycle do sales experience their most rapid increase?.
Answer:
The growth stage
Explanation:
As product awareness increases, customers are more likely to purchase the item and sales increase. The success of a product in one area can lead to the product being introduced into other market segments.