When does a lender have to disclose the annual percentage rate (APR)?
A. Lenders do not use APR when making loan agreements.
B. Lenders must disclose the APR after the loan agreement is signed.
C. Lenders must disclose the APR before the loan agreement is
signed.
O D. Lenders are not required to disclose the APR.

Answers

Answer 1

Answer: ITS C!!!!!!!

Explanation:

Answer 2

Answer:

C. Lenders disclose the APR before the loan agreement is signed.


Related Questions

Scott, the chief operating officer of Barcelona Restaurant Group, does not take long interviews because he:

Answers

Looking at the case study, COO Scott doesn't take long interviews because he thinks candidates don't speak the truth in interviews.

How to conduct an effective interview?

The interview is a useful tool in the recruitment process, and its purpose is to get to know the candidate's personality better and understand their experiences and qualifications. For this, it is essential that the questions are structured and organized according to the needs of the company.

Therefore, the interview is an effective method for a more direct and dynamic conversation between the recruiter and the candidate, and when done well, it can be decisive in the hiring process.

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Chinese currency in the year 800 was _______ by a commodity such as gold, and currency in the modern United States is _______ by a commodity such as gold.

Answers

Chinese currency in the year 800 was commodity-backed paper, and currency in the modern United States is fiat currency. Below is an explanation of its value.

The status of the currency

In 800, Chinese currency was a commodity-backed paper currency. This means that any paper currency could be exchanged for a commodity such as gold or silver. The modern United States uses fiat currency. This currency has no intrinsic value and cannot be exchanged for a commodity.

Therefore, the answers are commodity-backed paper currency and fiat currency.

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Maria has a total of $12,000 invested in two funds. the first fund pays simple interest at 6% per year and the other pays simple interest at 7% per year. if the funds earn a combined $817 in interest in one year, how much does she have invested in each fund?

Answers

Answer:

let a = 1st , and b = other

a + b = 12000

.06 a + .07 b = 817

Explanation:

Which form do you use to inventory the unexpended ammunition and residue you receive from the training field

Answers

The form that can be used to inventory the unexpended ammunition and residue you receive from the training field is DA Form 5203.

What is ammunition?

It should be noted that ammunition simply means the material fired, dropped or detonated from any weapon.

In this case, the form that can be used to inventory the unexpended ammunition and residue you receive from the training field is DA Form 5203.

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If a property appreciated 2% in the past year, how much would the property be worth today if it was valued at $220,000 a year ago

Answers

The value of the property today after it has appreciated in value is $224,400.

What is the value of the property today?

When a property appreciates in value, it means that it becomes more valuable to own the property. The property becomes more expensive when it appreciates.

Value of the property = (1 + appreciation) x initial alue

1.02 x $220,000 = $224,400.

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Attempts to identify distinctive characteristics that account for the effectiveness of leaders are called the ______ approaches to leadership.

Answers

The trait approaches to leadership identify distinctive characteristics that account for the effectiveness of leaders.

What is trait theory of leadership?

The trait theory of leadership stressed that there are some certain innate qualities and characteristics that make someone a leader.

Some of the qualities are;

physical factors intelligence factors.

Therefore, trait approaches to leadership identify distinctive characteristics of a leader.

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Project manager Anna is working with her team on risk management. Match the components of risk management with what each component involves.
includes risk identification
includes impacts of risks and
responses
Includes action for minimizing risks
Includes risk monitoring
includes analysis of consequences
includes prioritization of measures

Answers

These management of risk serves as assessment and controlling of threats to an organization's capital and earnings.

What is risk management?

This management entails the identifiying, analyszing and responding to risk factors that form part of the life of a business.

The risk identification in risk management includes documenting and communicating of concern of threats.

The impacts of risks & responses in risk management includes efforts to assess the consequences of an existing risk.

The action for minimizing risks inculudes use of insurance to minimize loss occuring from a risk.

The action of risk monitoring tracks and evaluates the levels of risk in an organisation.

In conclusion, the risk management is an essential part for an a project management because a managed risks will significantly increase the likelihood of project success.

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Answer:

includes risk identification- Risk Evaluation

includes impacts of risks and responses- Risk Control

Includes action for minimizing risks- Risk Control

Includes risk monitoring- Risk Evaluation

includes analysis of consequences- Risk Evaluation

includes prioritization of  measures- Risk Control

Explanation:

________ at ikea include cost-consciousness, constant desire for renewal, and accepting and delegating responsibility. multiple choice missions competitive advantages competencies strategies

Answers

Explanation:

Answer- related budget; A marketing program is all the people, processes, advancements and exercises associated with making associations and building connections to accomplish a ultimate objective. 

James is considering joining an electronic exchange so that his business can purchase needed supplies easily and possibly at better prices. James would prefer to join an exchange that is open to anyone in his firm's market space. Which type of electronic exchange is James considering

Answers

The type of electronic exchange that James is considering as he prefer one that is open to anyone in his firm's market is known as an independent electronic exchange.

What is an electronic exchange?

This refers to a trading platform that allows the matching of buying and selling orders as well as price determination which are performed through a computer.

In conclusion, the independent electronic exchange is a platform which will allows the exchange to be open to anyone in the firm's market.

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· Hope's contribution to her RETIREMENT plan...
a. is a post-tax contribution on which she pays federal income taxes
b. is pre-tax and therefore not included in federal income taxes
c. Is a contribution to her Social Security
d. is taxed at a rate of 15%

Answers

Based on Hope's check, her contribution to her RETIREMENT plan b. is pre-tax and therefore not included in federal income taxes.

What does the check say?

The check notes that Hope's retirement contribution is not included in her federal taxable income.

This means that the contribution is paid pre-tax and will not be liable for federal income taxes. She will most probably pay taxes on the retirement fund when she withdraws from it.

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A company operates an oil refinery. To reduce risk the company has decided to implement significant controls over safe operations. This is an example of:

Answers

If  company has decided to implement significant controls over safe operations. This is an example of: Risk reduction.

What is risk reduction?

Risk reduction can be defined as the way of preventing disasters or  unforseen or unexpected circumstance by implementing control.

Risk reduction is important as it help prevent loss of life and properties and it as well help to maintain sustainable future.

Therefore this is an example of: Risk reduction

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19. Which medium has the advantage of moving images, sound, and portability in business?
*
(1 Point)
Newspapers
Transit Media
Internet
Radio

Answers

Answer:

Internet

Explanation:

Newspapers can be online, but they are originally on paper, transit media is on billboards or the sides of cars, and the radio is definitely not it.

How should and should accountants adapt to the digital age?

Answers

Accountants can become more adaptable by keeping up with evolving trends, planning ahead and thinking about the future. Individuals might feel stressed when faced with unexpected difficulties, but having the ability to adapt and determine alternative options helps the best accountants cope with change.

The demand for money is downward sloping, because at higher interest rates, a. the opportunity cost of holding money is constant. b. the opportunity cost of holding cash is lower. c. the opportunity cost of holding money is higher. d. the opportunity cost of holding money is decreasing

Answers

The demand for money is downward sloping, because at higher interest rates because opportunity cost of holding money is constant

What Is Opportunity Cost?

Opportunity cost is the cost that is given away when a particular products or services is chosen over another.

Opportunity cost could be some benefits that is attached to using a product which will be lost of such product is substituted for another.

Therefore, the demand for money is downward sloping, because at higher interest rates because opportunity cost of holding money is constant.

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What term describes the relationship between the flow rate and the capacity of each labor resource that works in a process

Answers

The relationship between flow rate and the capacity of labor resources is called labor utilization. To achieve optimal labor use, it is crucial to maintain a balance between flow rate and worker capacity.

It assesses how much of the labor resource's capability is being used to execute a process and is stated as a percentage. It is important to maximize worker utilization to ensure the process is efficient.

Due to underutilization of the human resource, low labor productivity can lead to inefficiencies and increased costs. On the other hand, using too much work could lead to burnout and decreased output.

Therefore, the relationship between flow rate and the capacity of labor resources is called labor utilization.

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#SPJ12

The Finnish company Nokia was an early industry leader in cell phones. This is an example of ______.

Answers

Answer:

National competitive advantage

Explanation:

I could be wrong but i found flashcards with that question with that as the answer so yea \

\

What does a membership organization have that a nonmembership organization does not?.

Answers

What a membership organization have that a nonmembership organization does not have is members from the public sector.

What is a public sector?

public sector serves as a portion of the economy which entails all levels of government and government-controlled enterprises.

This sector doesn't encompass private companies as well as voluntary organizations, and households.

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The type of software that has qualities of both hardware and software is.

Answers

Answer:

Firmware shares qualities of both hardware and software in that it is software that hasbeen permanently embedded in hardware and typically cannot be copied or changed or evenreplaced.

Msi is considering outsourcing the production of the handheld control module used with some of its products. the company has received a bid from monte legend co. (mlc) to produce 11,000 units of the module per year for $17.00 each. the following information pertains to msi’s production of the control modules: direct materials $ 8 direct labor 4 variable manufacturing overhead 4 fixed manufacturing overhead 8 total cost per unit $ 24 msi has determined that it could eliminate all variable costs if the control modules were produced externally, but none of the fixed overhead is avoidable. at this time, msi has no specific use in mind for the space that is currently dedicated to the control module production. required: 1. compute the difference in cost between making and buying the control module. 2. should msi buy the modules from mlc or continue to make them? 3-a. suppose that the msi space currently used for the modules could be utilized by a new product line that would generate $41,000 in annual profit. recompute the difference in cost between making and buying under this scenario. 3-b. does this change your recommendation to msi?

Answers

Msi should continue to make  control module because buying the control module will result into incremental cost of $11,000 to the msi.

Differential analysis

1. Differential analysis

Buy control module (Alt 1) or Make control module (Alt 2)

 Buy control module       Make control module   Differential effect on cost

                    (Alt 1)                      (Alternative 2)                   (Alternative 2)

Purchase price $187,000                   -                                     ($187,000)

(11,000×$17)

Direct materials  $0                        $88,000                              $88,000

(11,000×$8)

Direct labor         $0                        $44,000                              $44,000

(11,000×$4)

Variable  overhead $0                    $44,000                              $44,000

(11,000×$4)

Fixed overhead $44,000                 $44,000                                $0

(11,000×$8)

Total cost  $231,000                          $220,000                           ($11,000)

Difference in cost $11,000

2. Based on the above differential anaylsis msi should continue to make  control module reason being that buying the control module will result into incremental cost of $11,000 to the msi.

3a. Differential analysis

Buy control module (Alt 1) or Make control module (Alt 2)

 Buy control module       Make control module   Differential effect on cost

                   (Alt 1)                      (Alternative 2)                   (Alternative 2)

Purchase price  $187,000                   -                                     ($187,000)

(11,000×$17)

Direct materials    $0                        $88,000                              $88,000

(11,000×$8)

Direct labor           $0                        $44,000                              $44,000

(11,000×$4)

Variable  overhead $0                    $44,000                              $44,000

(11,000×$4)

Fixed overhead  $44,000                 $44,000                                $0

(11,000×$8)

Less profit from new product line

                 ($41,000)                              $0                                     $41,000

Total cost $190,000                          $220,000                           $30,000

Difference in cost $30,000

3b. Based on the above differential anaylsis msi should buy the control module reason being that buying the control module will result into incremental savings of $30,000 to the msi. The recommendation to msi is changed based on the new scenario.

Inconclusion Msi should continue to make  control module because buying the control module will result into incremental cost of $11,000 to the msi.

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This matrix​ _______ the view of the CFOs because​ _______. A. ​supports; there is an incentive to cheat on the agreement because the cheater will earn a greater economic profit B. does​ not; the firms make the greatest profit when they comply with the agreement

Answers

The matrix support the view of the CFOs because there is an incentive to cheat on the agreement because the cheater will earn a greater profits.

Who is chief financial officer?

The chief financial officer serves as the senior executive responsible for managing the financial actions of a company.

Conclusiosively, The support view of the CFOs is because there is an incentive to cheat on the agreement between parties.

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A student purchased a used car for $5,000 three months ago. The car now needs a major repair which will cost $2,000. If the student decides to keep the car and make the repair to the car, then the out-of-pocket costs will be:

Answers

Answer:$2,000

Explanation:

7,000-5,000=2,000

connects you to the people you are speaking with
The conversation tople
Eye contact
Simple words
Using their name repetitively

Answers

As every conversation should
Please mark brainiest

How might a customer react to a salesperson's
weak handshake?

Answers

Answer:

I think the customer will get upset.

The customer will think the salesperson is not ready to attend to him.

Economic activities that involve the extraction of natural resources, such as lumbering, fishing, mining, and agriculture, are called:.

Answers

Activities that do that are called adolescent

If a company uses straight-line depreciation, the average investment is calculated as: (Check all that apply.)

Answers

If a company uses straight-line depreciation, the average investment is calculated as: Average Investment = (Beginning book value + salvage value)/2.

What is average investment?

Average investment can be defined as the start up capital  or amount of money that will be needed to start up a business.

Using straight line method Average investment can be calculated using this formula:

Average Investment = (Beginning book value + Salvage value)/2

Inconclusion Average Investment = (Beginning book value + salvage value)/2.

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Liabilities: Multiple Choice Represent obligations that must be satisfied with cash. Are recorded in the Profit and Loss Statement. Are amounts a company owes to others. Are usually recorded in the equity section of the balance sheet if it is long term.

Answers

Liabilities are C. The amounts a company owes to others such as debt and taxes owed.

What is a liability?

It should be noted that a liability simply means the future sacrifice of economic benefits that an entity is obliged to make.

In this case, it simply means what an individual or company owes others. It's different from an asset.

A liability is something a person or company owes, which is usually a sum of money and are settled over time through the transfer of economic benefits such money, goods, or services. Examples of liabilities include debt and taxes owed.

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the life isnurance policy in which dealth benefits last a lifetime but premiums are all paid after a specified time period is an

Answers

The life insurance policy in which death benefits last a lifetime but premiums are all paid after a specified time period is a limited-pay whole life policy.

All real estate advertising (use of business stationary, newsletters, billboards, etc.) must be done only with the ____________ knowledge and consent.

Answers

When making use of real estate advertising, it is important to get both the broker's knowledge and consent to create awareness.

What is Advertising?

This refers to the creation of awareness for a product or service to get people to buy and create sales and profit as a result.

Hence, in the case of real estate advertising, it is vital that the broker is aware and gives his consent before the awareness creation is done about a piece of property.

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You've been meaning to fix those rotted boards on your porch for years. Finally, last week the deck gave way. The replacement will cost you $3,000. Will you be able to recover the cost of replacement (less your deductible) from your homeowner's insurance?

Answers

We will not be able to recover the cost of replacement (less deductible) from the homeowner's insurance policy.

What is homeowner's insurance?

This is an insurance that provide cover on the insured's home's structure and belongings in the event of a destructive event such as a fire, storm, hurricane, lighting, flood etc

A natural destruction resulting from a wear and tear is not covered under the homeowner's insurance.

Therefore, you will not be able to recover the cost of replacement from the homeowner's insurance policy.

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C. this year casey made a gift worth $16.8 million to stephanie. casey is married to helen in a common-law state, and the 2010 gift was the only other taxable gift he or helen has ever made. casey and helen elect to gift-split

Answers

Casey and Helen both give and receive gifts that can be taxed, so according to their common-law state, they would have to find out which of the gifts are taxable.

What is Gift Tax?

This refers to the federal tax which is levied on a taxpayer who makes a gift of either money or property to someone and is between 18-40%.

Hence, it can be noted that gift taxes are made on any valuable property which is given to another person, regardless of whether the person considers it as a gift.

Please note that your question is incomplete so I gave you a general overview to help you get a better understanding of the concept.

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Answer the following question with at least three complete sentences. Be sure to use specific examples from the lessons in your answer.Why did Chinese sea exploration end after the voyages of Zheng He? How many insurrections were reported in the South before the Emancipation Proclamation was issued by President Lincoln?A: about the 25B: about 250C: about 2,500D: about 25,000 i will give yo 20 points 5Select ALL the correct answers.Observe the expression below and select the true statement(s).41 + 9 y(61 + 7)The x in the first term is an exponent.3The "9" in the second term is a constant.The "y in the third term is a factor.The "6" in the third term is a coefficient.The "4" in the first term is a constant. How will you use simple filter paper to demonstrate chromatography. Show with diagram. The Confederate general who became famous for his strategy and courage at the First Battle of Bull Run wasA.) George McClellan.B.) Robert E. Lee.C.) Joseph Hker.D.) Thomas Stonewall Jackson. what is a thing that you dont use and others use it?? Who is the artist of the image above? A. Richard Hamilton B. Roy Lichtenstein C. Andy Warhol D. Wayne Thiebaud A rocket is launched from a tower. The height of the rocket, y in feet, is related to the time after launch, x in seconds, by the given equation. Using this equation, find out the time at which the rocket will reach its max, to the nearest 100th of a second. If 700, 300-pound buckets each had x rocks and each rock weighed 0.25 pounds how many pounds are in each bucket Refer to your Who Is Sonia Sotomayor? book for a complete version of this text.Part AIn Chapter 9, why does Sonia most want to become a Supreme Court justice?She believes she is more capable to serve as justice than the women who have preceded her.She wants to have the opportunity to interact with more politicians and members of government.She hopes to have more time to pursue other activities related to the law, but outside the courtroom.She wants to inspire young people to pursue their goals, no matter what obstacles they face.Question 2Part BWhich evidence from the text best supports the answer to Part A?Sonia decided to try to meet as many senators as she could ahead of time. Of the hundred U.S. senators, she met with eighty-nine!She wanted minority children to know they were just like her. They could grow up to achieve their biggest dreams if they worked hard enough.For the next ten years, Sonia not only served as a judge, she also taught classes at six different law schools. She gave speeches all over the country.She gave Sonia Sotomayor a similar lace collar to wear on her first day on the court. Sonia wore it for a while, but then stopped. Marlo uses 252 lb of gravel to cover a garden plot of 36 ft2. A car is accelerating from rest at a rate of 2 (m/s)/ s. How fast will it be going after 4 seconds? 6. In your own words, what is Photosynthesis? Help someone out pls! "The callous destruction of thousands in the World Trade Center . . . has no justification in Islamic doctrine or law and no precedent in Islamic history." Bernard LewisBernard Lewis' statement reflects disagreement over Osama bin Laden's claim that the Taliban's work is part of preserving Muslim principles.Please select the best answer from the choices providedTF !!!!!!!!!!!!!!!!!!!!! What is the MAD of these numbers: 52, 65, 63, 48, 52, 53, 60 what were possible experimental reasons for error in determining the neutralizing power of antacids ? What type of fossilization results when the whole animal is preserved?