How personal loans are repaid
You are responsible for paying interest and any other fees related with your personal loan in addition to the principal amount.
Principal: The sum borrowed and credited to your account.Interest is the fee the lender charges you for a loan. Your interest rate and paid upfront expenses, like as origination fees, are included in your annual percentage rate (APR). Your monthly payments won't fluctuate over the course of the loan because the majority of personal loans have fixed interest rates. Your credit score and credit history impact interest rates; the better your credit score, the cheaper your interest rate will be.
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If an entrepreneur believes in himself/herself and that their accomplishments and setbacks are within their own control, they possess a(n)?
If an entrepreneur believes in himself/herself and that their accomplishments and setbacks are within their own control, they possess an internal locus of control.
Confident businesspeople attract what they want. They put their best foot forward when speaking with potential customers, and those customers pick up on their enthusiasm and assurance. Others will believe in you when you are confident in yourself and know that you are the ideal person to complete the task. The internal locus of control of entrepreneurs is frequently very strong. The idea of locus of control describes whether a person thinks they are in charge of their future or that someone else is. For instance, we've all met folks who feel powerless over their life.
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suppose your weekly earnings (the number on your paychecks) increase by 2 percent over the course of a year and prices in the economy rise by 3 percent. in this case, your earnings have increased and your earnings have decreased. please choose the correct answer from the following choices, and then select the submit answer button. answer choices
Suppose your weekly earnings (the number on your paychecks) decrease by 2 percent over the course of a year, and prices in the economy fall by 3 percent. In this case, your nominal earnings have Fallen and your real earnings have risen.
What is the economy?Economics can be defined as the market conditions that can be evaluated. It is regarding the trade and the buying and selling of goods and services. It is generally related to the amount of money flowing in the market.
Let's say that over the course of a year, your weekly wages decline by 2 percent, while prices throughout the economy reduce by 3 percent. Your real profits have increased in this instance, but your nominal earnings have decreased.
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marta's display campaign has delivered results beyond her expectations. she knows she increase returns with added spend, but that's not possible for her at the moment.
Marta’s Display campaign has delivered results beyond her expectations. She knows she increase returns with added spend, but that’s not possible for her at the moment. A performance planner would benefit her in this situation.
How would a performance planner benefit her in this situation?By teaching her employees the fundamentals of personal budgeting.By optimizing her available ad budget for maximum growth.By finding areas of her total budget that could contribute to marketing.By determining which of ads are most appropriate for her brand.To learn more performance planner, refer: https://brainly.com/question/17282947?referrer=searchResults
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When are economists most likely to use the bond market approach to analyze changes in interest rates? when are economists most likely to use the loanable funds approach?
The medium-term bond market model concentrates on changes in the bond market. When considering global savings and long-term global interest rates, the loanable funds model is typically a long-term model.
In exchange for regular interest payments, a bondholder loans money to a business or the government for a predetermined length of time. When the bond matures, the bond's issuer pays the investor their money back.
Similar to an IOU, a bond is a debt obligation. By purchasing corporate bonds, investors are making a loan to the corporation issuing the bond. In exchange, the business agrees in writing to pay interest on the principal when the bond matures and, in most situations, to return the principal.
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Gm invested $500 million in lyft in 2016. what are some possible reasons gm entered an equity alliance with lyft? are there any reasons gm would prefer lyft over uber as an alliance partner?
It was in the year 2016 when GM invested $500 million in the app-based ride-hailing enterprise Lyft which has the second largest taxi fleet in the world after Uber. Many people tried to find out the reason behind GM choosing to invest in Lyft and not in Uber. The one thing about which everybody was sure that being the second largest player in the industry the terms of this investment would have been favorable for GM and Lyft would serve the purpose for which this investment was being made.
GM invested $500 million in Lyft in early 2016 and owns about 9% of the company. Dan Ammann, the carmaker's president, sits on Lyft's board. When they formed the partnership a key goal was to create an autonomous, on-demand vehicle network.
GM invested $500 million in Lyft in January 2016. With a 180-day lock-up period during which GM cannot sell and the expected April IPO of larger rival Uber Technologies Inc further stoking interest in the ride-hailing sector, the value could subsequently rise.
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the short-run aggregate supply curve indicates a(n) relationship between the price level and the quantity supplied of real gdp.
Direct, indirect, horizontal is the short-run aggregate supply curve indicates a(n) relationship between the price level and the quantity supplied of real gdp.
What does the short-run aggregate supply curve represent ?
The short-run aggregate supply curve (SRAS) lets us capture how all of the firms in an economy interact to attempt to keep. The SRAS curve will have an upward slope when prices are stable. According to the SRAS curve, more output results from higher price levels.
Regarding SRAS, there are two significant points to consider. One reason is that it shows a short-term correlation between price level and output volume. As a result of at least one price being rigid, aggregate supply slopes upward in the near run. Second, SRAS informs us that unemployment and inflation have a short-term tradeoff. Because increasing output results in higher inflation, higher inflation also has a short-term relationship with reduced unemployment.
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When auditing the archiving process of emails, the is auditor should pay the most attention to?
The auditor should pay the most attention to the existence of a data retention policy.
A crucial stage in the lifecycle of a record is the retention policy, which is also known as the "schedule." It explains how long a company must maintain a piece of information (a record), where it is kept, and how to get rid of the record once its time has passed. It appears quite simple, and in some ways, it is.
Depending on the type of record, the retention period starts at a particular moment. A financial record, for instance, begins to be retained on July 1 of the following year. Another illustration would be the fact that the records of a job search must be kept for a certain amount of time after the hiring decision has been made.
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one of your clients wants to withdraw $30,000 from his traditional ira. the client is 35 years old and needs the cash for a medical emergency. you should advise your client
one of your clients wants to withdraw $30,000 from his traditional ira. the client is 35 years old and needs the cash for a medical emergency. you should advise your client that they may be able to do this penalty free but should verify with their tax advisor
A financial specialist with advanced training in tax accounting and tax law is a tax advisor. The assistance of a tax counselor is typically sought out in complex financial situations in order to reduce taxes due while maintaining legal compliance. Certified Public Accountants (CPAs), tax lawyers, enrolled agents, and some financial consultants are examples of tax advisors. The Internal Revenue Service regulates tax consultants and preparers, but does not issue licenses to them (IRS). Regulation 10.33(a) of Treasury Department Circular No. 230 describes the obligations and moral obligations of tax consultants.
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a qualitative materiality is an amount set by the auditor that is less than planning the materiality and is used to make decisions about the extent of audit proedures for a particular class of transaction
A performance materiality is a qualitative materiality is an amount set by the auditor that is less than planning the materiality and is used to make decisions about the extent of audit procedures for a particular class of transaction.
What is Performance materiality?Performance materiality can be described as the amount that is been set set to reduce to an appropriately low.
It should be noted that the performance materiality can be gotten by applying a percentage usually the 50% and 75% with regards to the overall materiality amount.
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Assume that actual overhead costs were and overhead allocated to jobs was . the unadjusted balance in manufacturing overhead would be _______.
The unadjusted balance in manufacturing overhead would be: $18,000 debit balance, underapplied
What happens when actual overhead($71,000) is greater than applied overhead($53,000)?
The excess of actual overhead over the applied overhead gives rise to underapplied overhead, since less than the actual overhead cost incurred has been factored into the units produced, in essence, we would credit prepaid expense with the $18,000($71,000-$53,000) underapplied overhead until it is paid in cash to the employees.
In the same vein, we would debit cost of goods for the additional expense, without mincing words, the correct option in this case is that $18,000 underapplied overhead is a debit balance.
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Find attached full question with options
had no stock transactions in 2021, so the change in stockholders' equity for 2021 was due to net income and dividends. if dividends were $45,000, how much was murphy's net income for 2021? use the accounting equation and the statement of retained earnings.
The statement of retained earnings is $539,000.
A dividend is when a employer distributes earnings to its shareholders. while a organization makes a income or surplus, it is able to pay a part of the profit to its shareholders as dividends. amounts now not allotted might be reinvested inside the business enterprise.
Dividends are usually paid to shareholders quarterly, even though some groups pay dividends semi-yearly. payments may be received as coins or reinvested in enterprise stock. Dividends indicate that a business enterprise has solid cash go with the flow and is worthwhile, and also can offer a non-stop profits circulate for buyers.
Equity = Total Assets – Total Liabilities
Dec’18 = 540,000-37000 = $503,000
Dec’17 = 38000-24000 = $14,000
Change in Equity during the year i.e. Change in retained earnings = 503000-14000 = $489,000
Net Income = Dividends + Change in retained earnings
= 50,000+489000
= $539,000
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Courts use a/an ______________________ to halt speech that is outside constitutional protection, like obscenity and false advertising.
Courts use a/an First Amendment to halt speech that is outside constitutional protection, like obscenity and false advertising.
The First Amendment ensures freedoms regarding religion, expression, assembly, and the proper to petition. It forbids Congress from both promoting one faith over others and also proscribing an individual's spiritual practices.
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercising thereof; or abridging the liberty of speech, or of the clicking; or the proper of the human beings peaceably to bring together, and to petition the authorities for a redress of grievances.
The First Amendment lets in people to believe and practice something religion they want. They can also select now not to observe any faith. The government can, but, alter non secular practices inclusive of human sacrifice or unlawful drug use. Freedom of Speech.
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Which goal-setting strategy will increase an employee's sense of responsibility in meeting goals?
Answer: Management by objectives (MBOs) is a goal setting strategy designed to improve both employee and company performance and boost engagement through a rewards-based system.
Explanation:
hope this helps u let me know if you need anything else. ; )
Assets created by selling goods and services on credit are: multiple choice accounts payable. accounts receivable. liabilities. expenses. equity.
An asset created by selling goods and services on credit score is money owed receivable.
An asset is a resource with a financial value that a person, company, or the USA owns or controls with the expectancy that it will offer a future gain. property is mentioned on an employer's stability sheet. they're labeled as modern-day, fixed, economic, and intangible.
In monetary accounting, an asset is any useful resource owned or managed through a business or a financial entity. it's miles anything that may be used to produce fantastic financial cost. assets represent the fee of ownership that may be transformed into coins. assets can be grouped into two primary classes: tangible property and intangible assets. Tangible assets comprise various subclasses, along with contemporary property and glued assets. modern assets encompass coins, stock, and accounts receivable, even as constant belongings consist of land, buildings and equipment. Intangible assets are non-bodily assets and rights that have a price to the firm due to the fact they provide the company an advantage within the marketplace.
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It is argued that it is in the interest of business to protect the environment because:_________
It is argued that it is in the interest of business to protect the environment because Creating defined policies and plans for procuring high-quality raw materials, utilizing cutting-edge technology, employing scientific disposal and waste management approaches, and developing employee skills for pollution control.
Reducing your company's environmental business effect will increase its long-term viability. If your company is less reliant on natural resources than its competitors and has strategies in place to deal with rising expenses due to climate change, it will have a better chance of long-term success. The environment has an important role in the survival of civilization and enterprises.
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which concept/principle supports the fact that assets such as land, buildings, and equipment are not reported at their fair values?
Which concept/principle supports the fact that assets such as land, buildings, and equipment are not reported at their fair value? Cost principle.
What is meant by the cost principle?According to the cost principle, all assets, liabilities, and equity investments must be reported on financial statements at their original cost.For instance, a retailer records inventory purchases from vendors at a cash price. The price is the same as what was paid in the transaction.According to the cost principle, purchases must be reported at the actual price. In the same manner, when a customer purchases goods, the price paid is recorded. The cost principle, in essence, states that each transaction's cost is equal.Which concept/principle supports the fact that assets such as land, buildings, and equipment are not reported at their fair value? Cost principle.
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In analyzing the pharmaceutical industry for a prospective business launch, nicole turco, a ph. D. In pharmacology, concluded that the industry was attractive because the threat of substitutes is ___________.
In analyzing the pharmaceutical industry for a prospective business launch, nicole turco, a ph. D. In pharmacology, concluded that the industry was attractive because the threat of substitutes is low.
There are several analytical techniques employed in the pharmaceutical industry, but the techniques commonly used are chromatography techniques like HPLC, LC-MS, GC, and GC-MS. These techniques from the industry standard for analyzing polymorphism in new drugs. Pharma analytics is the usage and application of knowledge analytics within the pharmaceutical industry.
Integrating big data analytics solutions into the pharmaceutical manufacturing process allows companies to achieve valuable insights to accelerate and optimize production. Investors should evaluate a company's "pipeline" (i.e., what percentage of drugs a corporation has in development and also the various stages of clinical testing).
A strengths, weaknesses, opportunities, and threats analysis. A strengths, weaknesses, opportunities, and threats (SWOT) analysis revealed the subsequent observations. Strengths. Malta encompasses a mature pharmaceutical industry with an adequate manufacturing base and capacity to provide quality drugs.
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Palm coconut oils are more like animal fats than other plant oils. because they __________ than other plant oils, they may contribute to cardiovascular diseas
Palm coconut oils are more like animal fats than other plant oils. because they ___Have fewer double bonds_______ than other plant oils, they may contribute to cardiovascular disease
Heart failure, stroke, hypertensive heart disease, rheumatic heart disease, cardiomyopathy, abnormal heart rhythms, congenital heart disease, valvular heart disease, carditis, aortic aneurysms, peripheral artery disease, thromboembolic disease, and venous thrombosis are other CVDs. Coronary artery diseases (CAD) include angina and myocardial infarction (commonly known as a heart
Cardiovascular disease is a term used to describe a variety of conditions that can affect the heart. The underlying mechanisms differ depending on the disease. It is estimated that dietary risk factors are associated with 53% of CVD deaths. Coronary artery disease, stroke, and peripheral artery disease all involve atherosclerosis. causes and treatment of cardiovascular disease.
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answer: question 6 what are some common activities of an hrpp or irb office? (select all that apply)
To make sure that the IRB has all of the data important to approve the studies, many HRPP or IRB places of work paintings carefully with investigators and studies groups to cope with any initial worries and offer all important documentation and data previous to the preliminary review.
What is the difference between an HRPP and IRB office?An IRB workplace is a studies organization this is answerable for making sure the protection of human members in studies. The workplace guarantees that the take look follows moral requirements and regulations. The IRB workplace is answerable for making sure the studies are moral and follows all rules, federal regulations, or the rules of the organization.
It additionally guarantees that the human members are blanketed from any ability risks, together with bodily and mental harm. The IRB workplace serves as a mediator for conflicts approximately studies proposals or subjects' rights.
HRPP stands for Human Resources Professional Practices, that's fixed of suggestions that HR specialists observe to make certain they're following the law, rules, and procedures.
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Which relationship between marginal utility (mu) and price (p) indicates that a consumer is maximizing his or her utility regarding spending on two goods?
(MUx / Px) = (MUy / Py) is the relationship between marginal utility (mu) and price (p) indicates that a consumer is maximizing his or her utility regarding spending on two goods
What is marginal unity?A consumer's increased enjoyment from owning one extra unit of a good or service is known as marginal utility. Economists utilize the idea of marginal utility to estimate how much of a given good buyers are willing to buy.
When you consume more things, your total utility rises, which is known as positive marginal utility. On the other side, negative marginal utility arises when consuming an additional unit results in a reduction in overall utility.
The concept of marginal utility is used by economists to analyze how consumer decisions are impacted by degrees of satisfaction. The law of diminishing marginal utility is another idea recognized by economists. The initial unit of consumption of a good or service has greater utility than subsequent units, according to this statement.
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placed an order for office supplies costing $2,000. supplier intends to deliver later in the month. purchased equipment that cost $30,000; paid $10,000 cash and signed a promissory note to pay $20,000 in one month. negotiated and signed a one-year bank loan, and then deposited $5,000 cash in the company’s checking account. hired a new finance manager on the last day of the month. received an investment of $10,000 cash from the company’s owners in exchange for issuing common shares. supplies [ordered in (a)] were received, along with a bill for $2,000.
a. placed an order for office supplies costing $2,000
No journal entry
b. purchased equipment that cost $30,000; paid $10,000 cash and signed a promissory note to pay $20,000 in one month.
Equipment Dr. $30000
Cash $10000
Note payable $20000
c. negotiated and signed a one-year bank loan, and then deposited $5,000 cash in the company’s checking account.
Cash Dr. $5000
Note payable $5000
d. hired a new finance manager on the last day of the month
No journal entry
e. received an investment of $10,000 cash from the company’s owners in exchange for issuing common shares.
Cash Dr. $10000
Contributed capital $10000
f. supplies [ordered in (a)] were received, along with a bill for $2,000.
Supplies Dr. $2000
Accounts payable $2000
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10 points print item 4 assume that tea and lemons are complements and that coffee and tea are substitutes. a. how, if at all, will the imposition of an effective ceiling price on tea affect the price of lemons?
Based on the fact that an effective price ceiling was imposed on tea, the effect on the price of lemons is an increase in price.
What happens to complements after a price ceiling?When an effective price ceiling is introduced on a good like it was on tea, this would lead to an increase in demand for the tea.
The compliments such as lemon would then see an increase in demand as well because compliments are bought together. This increase in demand will lead to a rise in price.
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you believe you will spend $30,000 a year for 10 years once you retire in 20 years. if the interest rate is 5% per year, how much must you save each year until retirement to meet your retirement goal?
Annual saving would be $ 7,005.76
What do you understand by interest rate?An interest rate provides information on how costly borrowing is or how profitable saving is. As a result, the amount you pay for borrowing money, stated as a percentage of the total loan amount, is the interest rate if you are a borrower.
Rate increases are typically a positive thing for saving money. With an increase in interest rates, certificates of deposit (CDs), money market accounts, and savings accounts all receive more interest. Savings enthusiasts so receive a higher return on the money they invest in bank accounts or CDs.
Calculation of amount needed in 20 years to spend over next 10 years
value of money 20 years from now = Annual Cash flow
x Present value of annuity of 1
= $ 30,000x 7.721735
= $2,31,652.05;
Working:-
Present value of annuity of 1$ = (1- (1+i)^-n) /;
Where,
= (1-(1+0.05)^-10)/0.05;
i;5%
= 7.721734929;
10 years Annual saving is given as Annual saving =
Future value of annual cash flows/ Future value of annuity of 1$
= $2,31,652.05/33.06595
=$7,005.76
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If lisa and bryce each divides his or her time equally between producing jackets and producing sweaters, then total production is:_____.
If lisa and bryce each divides his or her time equally between producing jackets and producing sweaters, then total production is:3 sweaters and 13 jackets.
A country contains a comparative advantage within the production of a decent if the chance cost of manufacturing that good is lower therein country. Whether or not one country production has an absolute advantage over all said goods, it'll still gain from trading with another country.
The most obvious economic impact of specialization is often seen within the tendency for people to decide on production different vocations that are more in line with their interests, skills, opportunities, and education.
When everyone focuses on producing the products within which he or she includes a comparative advantage, all and sundry can gain from trade but total production within the economy is unchanged.
Trade between nations is predicated on absolute advantage, which occurs when a rustic includes a lower cost of manufacturing an honest. Mexico makes 20 tequila and 10 wines. In total, 100 wines and 40 tequila.
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Complete Question: If lisa and bryce each divides his or her time equally between producing jackets and producing sweaters, then total production is:_____.
trid requires that an informational booklet prepared by the cfpb be given to the borrower at the time of application or provided
TRID requires that an informational booklet prepared by the CFPB be given to the borrower at the time of application or provided within three days of the loan application.
TRID is a sequence of tips enforced through the customer financial protection Bureau (CFPB) that try to close some of the loopholes that unscrupulous lenders have used in the past to trick purchasers. TRID regulations dictate what loan statistics creditors need to offer to borrowers and when they need to offer it.
The Consumer Financial Protection Bureau is an organization of the USA authorities accountable for consumer safety in the financial zone. Complaints provide the Bureau with near actual-time records about the varieties of demanding situations customers are experiencing with monetary services and products. We use them to inform our efforts in client schooling, create clear rules of the road for groups, and take motion towards awful actors inside the marketplace.
The main purpose of the consumer financial protection Bureau is to defend customers from unfair, deceptive, or abusive practices and take action against agencies that break the regulation. We are human beings with the records, steps, and tools that they want to make smart monetary selections.
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A project under strict terms and conditions to produce project deliverables on time or suffer late penalties is an example of a:_______
a. commercial risk.
b. technical risk.
c. legal risk.
d. execution risk.
A project below strict phrases and situations to provide mission deliverables on time or go through overdue consequences is an example of commercial risk.
Industrial chance or enterprise danger is a term used to embody diverse perils that can get inside the way of a commercial enterprise's fulfillment. If now not treated properly, those commercial risks can also cause a enterprise to be in the red or to head under. that is why proper threat management is crucial.
Business dangers can broadly be divided into the subsequent classes: financial or marketplace risks which may also consist of changes to enter and output prices versions in call for from projected ranges; access to and the fee of debt and equity financing and commercial risks.
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A system of management based on involving all employees in a constant process of improving quality and productivity by improving how they work is known as?
Total Quality Management is a management philosophy that centers on incorporating all staff members in a continuous process of raising standards for both product quality and worker efficiency.
Total quality management (TQM) is a method to management that focuses on long-term success via customer satisfaction. In a TQM initiative, every employee of an organization takes part in enhancing their workplace's processes, goods, and services.
TQM may be summed up as a management framework for a client-centered business that incorporates all staff members in ongoing development. To incorporate the quality discipline into the organization's culture and operations, it makes use of strategy, data, and effective communications. The new quality management systems that replaced TQM contain many of these ideas.
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the first step in budgeting is to evaluate your current financial position by looking at just your income and expenses.
This statement is false. The first step in budgeting process is to set financial goals.
What is budgeting?Budgets are essentially future financial plans. Plan can be established for cashflows, production lines, working capital requirements, etc. into many parts of business, which has to be founded on some estimation. The person preparing the budget must take both internal and external considerations into account.
What is the first process of budgeting?The first and important step in budgeting is generating a list of the goals for the arrangement and allocation of financial resources. The numerous goals for carrying out the budgeting activity must be planned. The efficient implementation of the budgeting goals for accomplishing the company's strategic business objectives is facilitated by correctly prepared budgeting goals.
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The complete question is: "The first step in budgeting is to evaluate your current financial position by looking at just your income and expenses. True or false?"
Indicate whether the following statements about the conceptual framework are?
true or false
Indicate whether the following statements about the conceptual framework are True.
What is conceptual framework ?An analytical instrument with numerous iterations and applications is a conceptual framework. Where an overall picture is required, it can be used in a variety of task categories. To distinguish between concepts and arrange ideas, it is employed. Realistic concepts are captured by strong conceptual frameworks in an approach that is simple to understand and use.
In order to draw distinctions between the conceptual worldviews of significant thinkers and novelists, Isaiah Berlin employed the metaphors of a "fox" and a "hedgehog." Berlin characterizes hedgehogs as people who view the world via a single notion or organizing principle (such as Dante Alighieri, Blaise Pascal, Fyodor Dostoyevsky, Plato, Henrik Ibsen and Georg Wilhelm Friedrich Hegel).
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at one point in the evolution of marketing, the united states entered a buyer's market and the customer became king. which era is being described?
Market-Oriented era is being described. Market orientation is a business approach that focuses on identifying consumer wants and desires and developing products and services to suit those needs. The Coca-Cola Company's mission statement reflects market orientation: "Consumer demand drives all we do."
For example, if a car business practices market orientation, it will research what buyers want and need in a car rather than producing models designed to mimic the trends of other manufacturers. For example, if a car business practices market orientation, it will research what Consumer want and need in a car rather than producing models designed to mimic the trends of other manufacturers.
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