In order to prevent unintentionally discriminating against people, lenders must carefully check their regulations on a regular basis. Disparate impact is the name given to unintentional prejudice.
What are lenders?
A lender is a person, a group (public or private), or a financial organization that provides money to a person or company in the anticipation that the money will be paid back. Any fees or interest must be paid as part of the repayment. Repayment might take place in small amounts (like a monthly mortgage payment) or all at once. Mortgages rank among the biggest loans consumers obtain from financial institutions. Lenders offer money for a number of things, including a home mortgage, an auto loan, or a small company loan. The loan's conditions, such as the repayment schedule and the repercussions of late or skipped installments, define how it must be repaid.
To know more about lenders visit:
https://brainly.com/question/13685880
#SPJ4
Corporate bonds are the means by which private firms borrow money directly from the public. true false
The answer is false. A corporate bond is a sort of debt securities that a company issues and sells to investors. The company receives the capital it requires, and the investor receives a predetermined number of interest payments at either a fixed or the variable interest rate.
When the bond "reaches maturity," or expires, the payments stop and the initial investment is refunded. The bond is often backed by the company's ability to repay, which is determined by its future revenue and the profitability projections. The physical assets of the company may be used as the collateral in some instances.
To learn more about bond, click here.
https://brainly.com/question/13050963
#SPJ4
along with balancing the work with relationships, what other attribute does a strategically focused team member display? select an answer: aggressively addressing mistakes. being rigid because the job comes first. limiting your focus to outcomes. demonstrating that you have flexibility.
The other quality a member of a team with a strategic emphasis demonstrates is flexibility.
To get excellent results, effective teams must bring together individuals with varying abilities to collaborate in novel ways and more quickly.
Everyone has a responsibility to function as a team, and good team members can develop into outstanding team players by following a few easy guidelines. The seven necessary qualities of a team player are outlined in the following points, along with explanations of their significance. Team members in businesses with strong business results, high profitability, and high performance typically have extremely clear expectations for their respective positions. These firms are unwilling to take a chance with the standards they hold for their workforce.
To learn more about Strategic activity here
https://brainly.com/question/17313333
#SPJ4
when the life insurance policy's cash value equals the face amount of the policy and the proceeds are paid to the policyowner, this is known as the policy's
when the life insurance policy's cash value equals the face amount of the policy and the proceeds are paid to the policyowner, this is known as the policy's Endowment.
What is Endowment policy?
Endowment life insurance products provide a lump sum payment at maturity by combining term life insurance with a savings plan.
Consumers should examine the fine print before determining whether this is how they wish to invest for their children's education even if they are occasionally advertised as college savings programs.
Prepaid tuition and 529 plans are two more college savings choices that could provide advantages that endowment life insurance does not.
A specialist insurance policy known as endowment life insurance sometimes goes under the guise of a college savings program. As long as you continue to make the set monthly payments, the endowment life insurance policy guarantees a return that is free from danger and will occur on a specific date.
To learn more about insurance from given link
https://brainly.com/question/25855858
#SPJ4
Research strategies that involve comparing groups of people and statistical analyses are called _____; research strategies that involve in-depth interviews are called _____.
Research strategies that involve comparing groups of people and statistical analyses are called quantitative; research strategies that involve in-depth interviews are called qualitative.
What are research strategies?The methodical plan of action that guides a researcher's cognitive process is referred to as a research strategy. It makes it possible for a researcher to carry out their research methodically and on time.
Types of research strategies
Strategy for Qualitative Research
The focus of a qualitative research strategy is collecting and analyzing non-numerical data. Data is gathered by researchers through various methods, such as focus groups, questionnaires, and interviews.
Examples of data include text, audio, and video, among others. Comparative to quantitative research, qualitative research is significantly different.
The majority of qualitative research is conducted in the humanities and social sciences, including anthropology, sociology, history, education, and the arts.
Strategy for Quantitative Research
The primary focus of the quantitative research strategy is the gathering and analysis of numerical data. The end result is the result of statistical and quantitative data analysis.
Researchers that use quantitative methods analyze a sizable amount of data that was collected from the target market or audience.
To know more about quantitative and qualitative research strategies visit:- https://brainly.com/question/12831013
#SPJ4
In situations where an annual budget deficit exists, cutting expenses from the budget is optimal. True or false
The statement "In situations where an annual budget deficit exists, cutting expenses from the budget is optimal. " is True
This is further explained below.
What is the annual budget?Generally, The anticipated earnings and expenditures of a business are mapped out in detail in the form of a yearly budget.
The creation of an annual budget for a company requires striking a balance between the many revenue streams that the company enjoys and the various costs that it incurs.
In conclusion, It is correct to say that "under circumstances in which there is a yearly deficit in the budget, lowering spending from the budget is the best option."
Read more about the annual budget
https://brainly.com/question/13969068
#SPJ4
________ aligns communications with an organization's character and action.
Relationship management aligns communications with an organization's character and action. Relationship management is a method for keeping an organization's audience engaged on an ongoing basis. This management might take place between a company and its clients (business to consumer B2C)
Between a company and other companies (business to business B2B). When a customer makes a purchase, a thank you note is sent. If a customer purchases communications a product, you can upsell or cross-sell them. Providing a birthday greeting with a coupon code. Sending a discount to a consumer who hasn't purchased in a while. Consider it a systematic approach to maintaining strong, positive ties with your clients.
To learn more about communications, click here.
https://brainly.com/question/22558440
#SPJ4
read through each of the following pieces of information about buyers’ debt obligations and determine which one will qualify for an fha loan based on the qualifying ratios.
Housing ratio of 31%, total debt obligations 40%
What do you understand by debt obligations?Accounts payable, obligations resulting from promissory notes, bills of exchange, and obligations emerging under bonds are all considered debt obligations; Sample 1Sample 2Sample 3.
Financial responsibilities are any unpaid debts or required payments that one party has to fulfill. You have a financial commitment, for instance, if you owe or will owe money to somebody. An responsibility to pay money or provide financial stability can take many different forms.
All debt incurred by the company or any member of the lithium group, including without limitation debt incurred in accordance with company financing arrangements, is referred to as company debt obligations.
To learn more about debt obligations ,Visit: https://brainly.com/question/17328386
#SPJ4
The various types of employment interviews differ primarily in? length. amount of structure. methods for establishing rapport. the degree to which body language is studied.
The various types of employment interviews differ primarily in methods for establishing rapport. An interview to assess whether or not a candidate is qualified for a position of employment job interview synonyms the type of interview the interrogation of a person (or a discourse in which information is elicited).
Frequently carried out by journalists An interview is an organized dialogue in which one person asks questions and the other responds. The term "interview" is commonly used to refer to a one-on-one talk between an interviewer and an employment interviewee. The interviewer poses questions to the interviewee, who usually responds with information.
To learn more about interview, click here.
https://brainly.com/question/7638386
#SPJ4
Which rating systems will award a project one or more points for already being leed certified in another rating system?
LEED for Homes, LEED for Commercial Interiors and LEED for Operations and Maintenance are the rating systems which will award a project one or more points for already being LEED certified in another rating system.
LEED (Leadership in Energy and Environmental Design) is the world's most popular green building rating system. LEED, which is available for almost all building types, provides a foundation for healthful, highly efficient, and cost-effective green buildings.LEED is a point-based system that awards LEED points to construction projects that meet particular green building requirements. Projects must meet specific conditions and receive points within each of the seven LEED credit categories.A LEED certification demonstrates knowledge of today's sustainable design, building, and operation standards. Over 203,000 professionals have obtained a LEED certification to help enhance their professions. As a LEED professional, demonstrate your knowledge, experience, and credibility in the green building sector.Sustainable Sites, Water Efficiency, Energy and Atmosphere, Materials and Resources, Indoor Environmental Quality, Innovation in Design Process, and Regional Priority are the seven focus areas of the LEED rating system.Thus this is the meaning of LEED.
To learn more about LEED, refer: https://brainly.com/question/23663661
#SPJ4
A project manager wants to invite suppliers into a bidding process to bid on specific products. what will he use to accomplish the task?
A project manager wants to invite suppliers into a bidding process to bid on specific products. RFQ will he use to accomplish the task. A project manager is an expert in the subject of project management. Project managers are in charge of project planning, procurement, and execution.
In any activity with a specified scope, defined start, and defined conclusion, independent of industry. As project representative, project managers are the initial point of contact for any difficulties or disagreements that arise among the leaders of various departments within an organization before the matter rises to higher authorities. A project manager is in charge of project management task.
To learn more about project manager, click here.
https://brainly.com/question/15404120
#SPJ4
The bureau of labor statistics (bls) collects monthly data on employment and unemployment by?
The way that the Bureau of Labor Statistics (BLS) collects monthly data on employment and unemployment is through personal visits, mail, telephone, email, and video calls.
Where does the Bureau of Labor Statistics (BLS) get data?The Bureau of Labor Statistics (BLS) is able to give monthly updates on employment and unemployment by talking to respondents from their Occupational Requirements Survey (ORS).
These respondents are reached out to via a variety of methods such as mail and telephone calls. Sometimes personal visits are also used if they are necessary. As we are in the digital age, video calls and email are also methods used to get the relevant data on employment and unemployment.
Find out more on the Bureau of Labor Statistics (BLS) at https://brainly.com/question/9531165
#SPJ1
Suppose that you borrow $ from a friend and promise to pay back $ in years. what simple interest rate will you pay?
The simple interest rate will be paid is 21%.
To calculate simple interest, multiply the principal amount by the interest rate and the time. The formula written out is Simple Interest = Principal x Interest Rate x Time.
Solution:
Principle Amount P = $1000.00
Interest I= 2050 - 1000
1 = $1050.00
years T S
Rate of Interest = R = ?
Simple Interest I - PTR/100
1000 XS XR 100 1050 =
1050 = SOXR
R= 1050/50 21%
The Simple Interest rate = is 21%.
An easy-interest mortgage is a non-compounded loan. because of this, your hobby is calculated off the ultimate most important stability of your mortgage, so you pay a hard and fast month-to-month amount plus interest. If you could control to pay greater in this set quantity, it will lower your bills going ahead. a hobby on an auto loan is calculated using simple interest, no longer compound hobby which means the interest doesn't earn hobby. interest on an automobile loan is regularly front-loaded in order that early payments pay more toward interest and less in the direction of the paydown of the essential loan stability.
Learn more about Simple interest rates here:-https://brainly.com/question/20690803
#SPJ4
If+the+weighted+average+cost+of+capital+(wacc)+for+each+project+is+6%,+do+the+npv+and+irr+methods+agree+or+conflict?
The method is conflict.
A B C
1 Year Project Y Project Z
2 0 -$1,500.00 -$1,500.00
3 1 $200.00 $900.00
4 2 $400.00 $600.00
5 3 $600.00 $300.00
6 4 $1,000.00 $200.00
7 IRR>> 13.49% 17.07%
8
9 NPV>> $340.54 $293.36
It is clear from the calculation above that the IRR for both projects is more than the WACC. Both projects have a favorable NPV as well. The situation in this instance is one of competing initiatives. There will be acceptance of one initiative and rejection of another. Both Project Z and Project Y will be approved, with Project Z being approved based on IRR and Project Y being approved based on NPV. The strategies clash as a result.
Learn more about IRR, here
https://brainly.com/question/14120890
#SPJ4
What application is most dependent on text analysis of transcribed sales call center notes and voice conversations with customers?
CRM is most dependent on text analysis of transcribed sales call center notes and voice conversations with customers.
What exactly is Sales call centre?
A sales call centre is a sort of call centre where customers can place an order, submit payment information, and have their orders and queries processed. Providing inbound or outbound call centre sales services is a guaranteed approach to improve customer satisfaction and cultivate loyalty.
To learn more about Sales Call Centre
https://brainly.com/question/28068452
#SPJ4
An economic system will promote progress by advancing ______ and accumulating ______.
The answer is Technology and capital.
Economic system - A country's or a region's social structures can organise and distribute the resources, services, and goods that are accessible through the use of an economic system. Land, capital, labor, and physical resources are all governed by economic systems.
A society's or a specific geographic area's method of producing, allocating resources, and distributing products and services is known as an economic system or economic order. It entails the amalgamation of the numerous institutions, agencies, entities, decision-making processes, and consumption patterns that make up the financial framework of a specific community.
To know more about Economic system
https://brainly.com/question/491016
#SPJ4
Both microsoft and its employees can gain from the new evaluation system if employees are more loyal in return for positive support from the company. this can be called a:_________
Both microsoft and its employees can gain from the new evaluation system if employees are more loyal in return for positive support from the company. This can be called a relational contract.
What is relational contract?Relational contracts are essential for sustaining value over time and supporting the preservation of fruitful contracting relationships. They are focused in the long-term relationship between the parties rather than concentrating solely on the business transaction.
Relational contracts allow to construct deals that are both concrete and abstract, as well as "win-win" scenarios that reduce operating expenses, making both parties satisfied in the end, despite the fact that building trust may initially be difficult.
Thus, it is a relational contract.
For more details about relational contract, click here:
https://brainly.com/question/28484012
#SPJ4
under the net method of handling credit and debit card payments, the . question content area bottom part 1 a. processing fee is debited to the credit card expense account on the date of sale b. business writes a check to the thirdparty processor for the processing fee c. credit to the sales revenue is the selling price less the transaction fee d. net amount of the sale is credited to the sales revenue account on the date of sale
Under the net method of handling credit and debit card payments, the processing fee is debited to the credit card expense account on the date of sale.
The net approach in the accounting records the vendor invoices. If there are coins sold with transaction prices, the processing rate account is debited to the credit card rate account. For example, the sale quantity is $40 and the processing charge is $2, the coins are debited with $38 and the processing price to credit score card expenses is debited with $2, and the sales are credited with the very last amount of $40. Therefore, the precise internet approach for coping with debit and credit card prices is debiting the processing charge from the credit card expense account.
A credit card is a sort of credit facility, provided by banks that permit customers to borrow finances within a pre-approved credit restriction. It permits customers to make purchase transactions on goods and services.
When you open a bank account at a financial institution or credit score union, you commonly get a debit card. A debit card lets you spend cash from your checking account without writing a test. When you pay with a debit card, the cash comes from your bank account right now.
Learn more about the debit card here brainly.com/question/11482534
#SPJ4
Walmart's+dividend+payout+ratio+for+the+year+of+2018+enter+the+answer+in+percentage+format+to+one+decimal+place+without+the+%+sign+->+9.30+and+not+9.3%+or+.093)?
Answer:
111111111111111
Explanation:
The most plausible reason why changes in the price of cotton can cause shifts in the supply curve for tobacco is?
The most plausible reason why changes in the price can cause shifts in the supply curve is firms can switch from growing tobacco to cotton and vice versa
What is Supply Curve?The supply curve is a graphical representation of the relationship between an item's or service's pricing and the volume delivered over a given time period. Typically, in an example, the quantity offered will be shown on the horizontal axis and the price will be displayed on the left vertical axis.
The supply curve will slant upward from left to right, demonstrating the supply rule: The supply decreases when the price of some products rises (all else being equal).
Keep in mind that this formulation suggests that quantity is the dependent variable and price is the independent variable. Economics is an anomaly, where the independent variable frequently sits on the horizontal axis, or x-axis.
The supply curve is a graphic representation of supply as a result.
For more information Supply curve, refer to the given link:
https://brainly.com/question/14925184
#SPJ4
Lucas is the director of a local preschool. He oversees making sure that the staff is
qualified to teach, that the curriculum covers everything a preschooler needs, and
that the facility runs smoothly day to day. The pathway in the Education and Training
Cluster that Lucas's career falls into is___________.
A. teaching and training
B. Administration and administrative
C. professional support services
D. science & mathematics
Teaching and Training. The field of applied or practical philosophy known as "philosophy of education" is concerned with the nature and purposes of education as well as the philosophical issues that arise from educational theory and practise.
A person or/and organization's basic values and educational ideals make up their education philosophy. When it comes to instructing and motivating pupils to study, it focuses on the goals and purposes of educational planning, programmes, and procedures.
Philosophy literally translates to "love of wisdom." In a broad sense, philosophy refers to the pursuit of fundamental truths about oneself, the world in which one lives, and one's relationships to both the world and other people.
To learn more on philosophy of education
https://brainly.com/question/15214437
#SPJ1
In a pure flexible exchange rate regime, a country's central banks will not need to maintain official reserves. under this regime ____________. group of answer choices
In a pure bendy exchange rate regime, a rustic's principal banks will no longer want to maintain legit reserves. below this regime: BKA=-BRA BCA=-BRA=0.
An exchange rate is a rate at which one currency might be exchanged for any other currency. at the same time as maximum alternate quotes are floating and will upward thrust or fall based totally on the supply and call for in the marketplace, a few change costs are pegged or constant to the value of a selected united states forex. an average alternate charge will be the common of the professional alternate charge in force in that us for financial transactions on the first and final commercial enterprise day of the calendar zone for which the Deferred purchase fee is being paid.
The exchange rate is the fee of a rustic's currency in terms of any other foreign money. for example, if the change price between the U.S. greenback (USD) and the Japanese yen (JPY) is a hundred and twenty yen per dollar, one U.S. dollar can be exchanged for a hundred and twenty yen in foreign money markets. trade quotes are decided through elements, which include hobby rates, self-assurance, the present-day account on balance of payments, financial growth, and relative inflation rates.
Learn more about exchange rate here:
https://brainly.com/question/25970050
#SPJ4
free cash flow catering corp. reported free cash flows for 2013 of $8 million and investment in operating capital of $2 million. catering listed $1 million in depreciation expense and $2 million in taxes on its 2008 income statement. what was catering's 2013 ebit?
Cash flow accessible Catering Corp. reported $8 million in free cash flows for 2013 and a $2 million investment in operating capital.
What exactly is free cash flow?
In corporate finance, free cash flow or free cash flow to the firm is the amount by which a company's operating cash flow exceeds its demands for working capital and fixed asset expenditures. The cash generated by a company after deducting cash outflows for operating expenses and capital asset upkeep is referred to as free cash flow (FCF).
To learn more about free cash flow
https://brainly.com/question/28543476
#SPJ4
The value of your money income, in terms of buying goods and services, is referred to as your money's?
The value of the money income, in terms of buying goods and services, is referred to as your money's Purchasing power.
Purchasing power is the value of the currency expressed in terms of the number of goods and services that one unit of money can buy. It can weaken over time with respect to inflation. That's because increasing prices effectively decrease the number of goods and services you can buy. Purchasing power is also known as the currency's buying power. Central banks used to adjust interest rates and try to keep prices stable and maintain the purchasing power. Globalization has linked the currencies more closely than ever protecting therefore purchasing power worldwide is crucial.
Learn more about Purchasing power.
https://brainly.com/question/16467725
#SPJ4
elliot invests $25,000 by purchasing 1,000 shares of an emerging market mutual fund. this mutual fund invests in companies in brazil, india, and china. he bought the mutual fund from the mutual fund company.
Elliot invests $25,000 by purchasing 1,000 shares of an emerging market mutual fund. this mutual fund invests in companies in Brazil, India, and China. he bought the mutual fund from the mutual fund company. This is an example of indirect transfers through financial intermediaries”.
What is financial intermediary?Financial middlemen transfer money from those with extra capital to those that need it. The method minimizes the cost of doing business and produces effective markets.
Financial intermediaries therefore act as a conduit for money from savers to these borrowers. For instance, if a saver deposits extra cash in a bank and receives a deposit certificate, the bank will use that money to mortgage the borrower.
Learn more about financial on:
https://brainly.com/question/12890843
#SPJ4
Elliot invests $25,000 by purchasing 1,000 shares of an emerging market mutual fund. this mutual fund invests in companies in brazil, india, and china. he bought the mutual fund from the mutual fund company. This is an example of .......
what practices are part of human resource management?multiple select question.employee relationstraining and developmentrecruitmentunion organizationcompensation
These are the part of human resource management Compensation ,Employeerelations,
Recruitment, Training and development
What is Human resource management?
Human resource management (HRM) is the process of hiring individuals, providing them with the necessary training and compensation, creating policies pertaining to them, and creating retention plans. Over the past 20 years, HRM has undergone a great deal of development as a field, making it even more crucial in today's enterprises. HRM used to be more of an administrative function than a strategic one that was essential to the organization's success.It involved processing payroll, sending birthday gifts to employees, planning company outings, and making sure forms were correctly filled out. Planning, organising, directing, and controlling are management functions that are covered under human resource management.To know more about Human resource management visit:
https://brainly.com/question/13226544
#SPJ4
what journal entry is made in a job-order costing system when $8,000 of materials are requisitioned for general factory use instead of for use in a particular job?
Materials used for general factory use instead of for use in a particular job come in indirect material.
What are generic building blocks?The following are general traits of building blocks: A building block is a collection of features designed to address the demands of the business across an organization. The functionality can be accessed through public interfaces from a building block. A building block has the potential to work together with other interconnected building blocks.The foundational components of art are seven different types of artistic expression. The seven elements are line, color, value, shape, form, space, and texture.A building block is a collection of features designed to address the demands of the business across an organization. The functionality of a building block is accessible through public interfaces. A building block may work in conjunction with other related building blocks.Nanoparticles, metal-organic frameworks, organic molecular structures, and supra-molecular complexes are building blocks for the bottom-up modular assembly of molecular architectures. Utilizing building blocks ensures exact control over the final composition of a molecule or (supra)molecular construct.Materials used for general factory use instead of for a particular job come in indirect material. It is not direct material that transfers to work in the process account. All the indirect costs which are incurred are charged to manufacturing overhead. So that's why the following entry is passed:
Manufacturing overhead. 8000
Raw Material. 8000
To learn more about generic building blocks, refer to:
brainly.com/question/15908640
#SPJ4
Wolf computer exchanged a machine with a book value of $40,000 and a fair value of $45,000 for a patent. in addition, wolf paid $6,000 as part of the exchange. wolf should recognize?
Wolf should recognize A gain of $5,000.
The machine must be written up from book value ($40,000) to fair value ($45,000), recognizing a gain of $5,000($45,000-$40,000).
The patent is then recorded at a value of $51,000 ($45,000 + $6,000)
Wolf's profit equals fair market value minus book value, or $45,000 minus $40,000, equals $5,000.
The book value of the asset must be compared to its fair market value in order for a corporation to calculate the gain or loss of an exchange transaction. The business will record a profit if the FMV exceeds the book value. The business will experience a loss if the FMV is less than the book value.
Learn more about Market value, here
https://brainly.com/question/15148120
#SPJ4
• the company just reported net sales of $2,500,000. assume that there are no noncash sales. • the operating costs (excluding depreciation and amortization) are 65% of the company’s total revenues. • its depreciation and amortization charges are 5% of total sales. • the interest charges are 15% of ebit, and it pays a 40% tax rate.
Net cash flow, The amount of cash made or spent during a certain time period, typically spanning one or more reporting periods, is known as net cash flow.
What is net cash flow?
The amount of cash made or spent during a certain time period, typically spanning one or more reporting periods, is known as net cash flow. This idea is used to evaluate a company's potential to create cash in the short term, which is regarded to be its financial viability. The best indication of a company's viability is if it regularly produces positive net cash flow over an extended period of time. On the other hand, an ongoing negative net cash flow is the key sign of a variety of operational or financial issues.
To know more about net cash flow visit:- https://brainly.com/question/20711929
#SPJ4
The process of using a customer database to refine marketing efforts is known as customer _____ management.
The process of using a customer database to refine marketing efforts is known as customer relationship management.
Customer is the recipient of an excellent, provider, product or an idea - obtained from a supplier, dealer, or supplier through an economic transaction or alternate for cash or a few other treasured consideration.'
A client is a character or commercial enterprise that purchases every other company's goods or services. clients are essential because they force sales; with out them, groups cannot continue to exist.
The definition of a purchaser is a person who buys products or services from a store, eating place or different retail seller.
Learn more about customer here:https://brainly.com/question/380037
#SPJ4
When price increases along the inelastic range of market demand, total revenues will go down?
A one percent change in price for an inelastic item causes a smaller than one percent change in the quantity required. Total revenue will grow when an inelastic good's price is raised, but total revenue will drop when its price is lowered.
Yes, it is true what it says.What occurs when the price elasticity of demand increases?
When the price elasticity of demand is significantly high, the percentage change in quantity demanded is greater than the percentage change in price (Ed 1). Therefore, when prices are raised, unit sales create more revenue, and vice versa, when prices are decreased (The Price Effect). Fewer units are sold when the price is increased (The Quantity Effect).To learn more about Price Elasticity, click the links.
https://brainly.com/question/13565779
https://brainly.com/question/13691796
#SPJ4