Mortgage loans made to borrowers with normal credit quality, but who lack the necessary documentation of their financial circumstances typically needed to meet conforming mortgage standards would most likely be considered alt-A loans.
A loan mortgage is a secured mortgage that lets in you to avail budget with the aid of using imparting an immovable asset, which includes a residence or industrial property, as collateral to the lender. The lender maintains the asset till you pay off the mortgage.Alt-A is a category of mortgages with a chance profile falling among top and subprime. They may be taken into consideration excessive chance because of provision elements custom designed with the aid of using the lender. This kind of mortgage has a tendency to be extra pricey for the borrower, as they'll deliver better hobby charges and/or fees.
Thus the answer will be Alt- A loans.
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does the standard unemployment rate underestimate or overestimate the unemployment problem?
The standard unemployment rate underestimate unemployment problem.
What is unemployment?Unemployment occurs when there are no suitable Jobs for People or individual who are willing to work.
This can be due to a decline in the economy of a country or state.
The rate of unemployment may not be easily measured because of the constant increase and decrease.
Therefore, The standard unemployment rate underestimate unemployment problem.
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A+piece+of+land+produces+an+income+that+grows+by+5%+per+annum. +if+the+first+year’s+income+is+$10,000,+what+is+the+value+of+the+land?
If a piece of land produces an income that grows by 5% per annum. The value of the land is $200,000.
Present value of the landUsing this formula
Present value=Income/Rate per annum
Let plug in the formula
Present value=$10,000/0.05
Present value=$200,000
Therefore If a piece of land produces an income that grows by 5% per annum. The value of the land is $200,000.
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Bill, the owner of FG Kraftco Corp., asks his employee, Megan, for sexual favors in exchange for a raise in her salary. When Megan refuses to entertain his request, Bill reduces her salary. Megan files a charge against Bill with the Equal Employment Opportunity Commission. This case is a ________. Group of answer choices retaliation case res judicata case disparate impact case hostile work environment case quid pro quo case
Based on the fact that Bill reduced Megan's salary because she refused his sexual advances, this is a quid pro quo case.
Why is this a quid pro quo case?This is a case where parties are meant to exchange goods or services in a way that both get what they want.
Megan wanted a raise and Bill wanted a sexual favor. When Megan refused the sexual favor, Bill refused the raise. This is therefore a quid pro quo case.
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A machine is available 10 hours a day. Each part takes 80 minutes to fabricate and 10 minutes to setup. 10% of the parts made are defective and must go through the machine again to be reworked, during which both setup and fabrication have to be performed again. The machine is idle for any unused time. On average, 5 good parts are made each day. What is the overall equipment effectiveness of the machine? Multiple Choice 0.80 0.75 0.067 0.667
The overall equipment effectiveness of the machine is 0.75
How to determine the effectiveness?The given parameters are:
Availability = 10 hours ⇒ 600 minutesFabrication time = 80 minutesSetup time = 10 minutesParts made each day = 5Percentage defective = 10%The total production time for 5 parts is:
Time = 5 * (80 + 10)minutes
Time = 450 minutes
The time to replace defective parts is:
Time = Percentage defective * Parts made each day * Production time for one part
This gives
Time = 10% * 5 * (80 + 10) minutes
Time = 45 minutes
The value added time is the difference between the production time and time to replace defective part
Value added time = 500 - 45 = 455 min
The overall equipment effectiveness of the machine is then calculated as:
OEE = Value added time/Availability
This gives
OEE = 455/600
Evaluate
OEE = 0.75
Hence, the overall equipment effectiveness of the machine is 0.75
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Marketers conduct marketing research primarily to:
Marketers conduct marketing research primarily to to understand or examine the market associated with a particular product.
Who are Marketers?Marketers can be regarded as those people that help in promoting a product so that the potential customers can be convinced and make a purchase.
They help to describe how the audience will react with respect to product or service and study the market very well.
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If today's exchange rate reflects all relevant public information about the euro's exchange rate, but not all relevant private information, then ____ would be refuted. a.semistrong-form efficiency AND strong-form efficiency b.weak-form efficiency AND semistrong-form efficiency c.strong-form efficiency d.weak-form efficiency e.semistrong-form efficiency
If today's exchange rate reflects all relevant public information about the euro's exchange rate, but not all relevant private information, then weak-form efficiency and semi strong-form efficiency would be refuted.
What is exchange rate?An exchange rate is the value of one currency as it relate to another country's currency. Here, it means the rate in which one currency will be exchanged for another.
If today's exchange rate reflects all relevant public information about the euro's exchange rate, but not all relevant private information, then weak-form efficiency and semi strong-form efficiency would be refuted.
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are facial movements that convey emotional messages
By observing a person's emotions one can identify the person's emotions.
General Motors had long-running problems with Chevy Cobalt ignition switches. The switches could disable the emergency airbags, causing accidental deaths. The GM culture discouraged anyone from stepping up and addressing the problem. Mary Barra, the new CEO, made a public commitment to change. After an investigation, two senior managers left the company in 2014. By ________, GM was better able to move forward.
By changing leader, GM was better able to move forward.
Who is leader?A leader is someone that possess leadership skills or someone that control and direct others.
Based on the given scenario since two senior managers left GM, changing leader make it possible for the company (General Motors) to move ahead or forward.
Therefore By changing leader, GM was better able to move forward.
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Describe the role of hotel management in the field of tourism. .
Answer:
The management of staff members as well as the planning, marketing, coordinating, and administration of hotel services including food and lodging amenities are within the purview of hotel managers.
ways in wich painting is an innovative idea
Answer:
ExplanationThey say that it is possible to resist an army of men but not an idea whose time has come. For an artist, generating maritime painting ideas or ideas for any other form of painting is critical. However, no artist flows in continuous inspiration because we have times when the “well” of inspiration dries. But how can you maintain a steady flow of oil painting ideas to express your artistic genius when the occasion demands? The remaining sections of this post will expose some of the ways of doing so.
Look Behind You:
Look Around You
Ask, and You Will Receive
Enhance Your Previous Ideas
which 3 predefined management report templates will a client see in their company file?
The predefined management report templates that a client sees in their company file will be company overview, financial statements, and sales performance.
What is a management report?It should be noted that the management report is the collection of data that is used to make better decisions.
In this case, an example of the predefined management report templates is the financial statements which are written records that convey the business activities and the financial performance of a company.
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2. Which type of customer do business marketers NOT serve
The business marketers do not serve consumers who purchase products and services for their end-use.
Who are business marketers?These are entities that sell products/services to other companies that resell or uses them to support their works.
Hence, these business marketers do not serve consumers who purchase products and services for their end-use but they serve other business organizations.
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margot inc, which uses the perpetual inventory system, purchases 500 units of inventory to be held for resale. margot should debit the purchase to:
Because Margot Inc, uses the perpetual inventory system, purchases 500 units of inventory to be held for resale. Margot should debit the purchase to Inventory.
What is the perpetual inventory system?The perpetual inventory system is an application that enable the entity to estimate inventory continuously using electronic records rather than a physical inventory.
It is thus correct to state that Margot should debit the purchase to Inventory.
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How to advertise a buisiness on Etsy
To advertise a business on Etsy it is necessary to use a strategy aligned with your goals, such as using marketing emails and promoting your store on social media.
What are the advantages of digital marketing?Through advertisements made on the internet, there is greater possibility of reaching and attracting customers in a faster and more dynamic way, through tools that generate value and engagement.
Therefore, to advertise your business on Etsy you need to identify your customer's needs and wants, promoting your product to create value.
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what increases your total loan balance?
Interest compound is known to increase a person's loan balance.
What is interest?This is a term that is used to refer to the additional cost of borrowing money. When people borrow they have to pay an interest for that amount in a given period.
When you fail to pay when due, the interest on this loan would continue to rise till you pay up.
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question content area prepaid expenses are eventually expected to become:
Prepaid expenses are eventually expected to become expenses when their future economic value expires. This is further explained below.
What are Prepaid expenses?Generally, Prepaid expenses are simply defined as an asset on the balance sheet since they represent cash spent in advance for products or services.
In conclusion, When the future economic worth of costs that have been prepaid expires, the prepaid amount is written off as an expense.
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Americans are typically not shy talking up their accomplishments; however, in the United Kingdom, overt self-promotion is taboo. Which cultural influence does this exemplify?
body language
language
cultural baggage
family relationships
The cultural influence that the given scenario shows is C. cultural baggage
What is Culture?This refers to the way of life of a person and how he lives his life, the values that he holds dear and his relationship with others.
Hence, we can see that based on the given scenario, the fact that the Americans will brag about their achievements and the British may not because it is considered taboo is a good example of cultural baggage.
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Answer:
cultural baggage was wrong for me
I think it is language
Explanation:
short notes on audit and auditor
Answer:
Audit
Audit is the examination or inspection of various books of accounts by an auditor followed by physical checking of inventory to make sure that all departments are following documented system of recording transactions.
Auditor
An auditor is a person authorized to review and verify the accuracy of financial records and ensure that companies comply with tax laws.
what is the type of occupation of densist
Answer:
Dentist is an occupation related to dental/tooth disease.
Explanation:
It is an occupation related to dentistry which is in the field of health.
The development of a nationwide computerized job bank listing of all job openings would be most likely to reduce: Group of answer choices frictional unemployment. seasonal unemployment. natural unemployment. cyclical unemployment.
The development of a nationwide computerized job bank listing of all job openings would be most likely to reduce cyclical unemployment.
What is seasonal unemployment?When the abilities that people in the economy have to provide and the skills that employers need from employees do not match, structural unemployment results.What is frictional unemployment?The time between quitting a job voluntarily and finding another is known as the frictional unemployment period.What is natural unemployment?The lowest rate of unemployment brought on by actual or voluntary economic forces is known as natural unemployment, or the natural rate of unemployment. The number of persons experiencing natural unemployment indicates those who are jobless as a result of the structure of the labor force, such as those who have been displaced by technology or those who lack the necessary skills to find employment.What is cyclical unemployment?The portion of overall unemployment that is specifically caused by cycles of economic expansion and contraction is known as cyclical unemployment. Typically, unemployment increases during economic downturns and decreases during boom times.Therefore, the development of a nationwide computerized job bank listing of all job openings would be most likely to reduce cyclical unemployment.
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You buy one Home Depot June 60 call contract and one June 60 put contract. The call premium is $5 and the put premium is $3. At expiration, you break even if the stock price is equal to A) $52. B) $60. C) $68. D) either $52 or $68. E) None of the options are correct.
At expiration, you break even if the stock price is equal to E. None of the options are correct.
How to illustrate the break even?The call price option will be:
= -$60 + $3 + $5
= $68
The put price option will be:
= -$3 + $60 - $5
= $52
Therefore, at expiration, you break even if the stock price increases above $68 or below $52.
In conclusion, the correct option is E.
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Which of these pavement markings separates two lanes traveling in the same direction?
The pavement markings that separate two lanes traveling in the same direction is A broken white line
What is a Pavement Marking?This refers to the mark or sign that is on the road to show a particular function for motorists and pedestrians.
Hence, we can see that in the case of two lanes that travel in the same direction, the pavement marking that is used to clearly show this is called a broken white line.
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Data analysts pay attention to sample size in order to achieve what goals?
Data analysts are known to pay attention to the sample size so as to
To make sure a few unusual responses don't skew resultsTo make sure the data represents a diverse set of perspectiveTo avoid a small sample size leading to inaccurate judgmentsWho is a data analyst?This is a term that is used to refer to a person that is engaged in the handling of data.
Such a person helps to analyze, retrieve and also make conclusions using the available data.
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In economics a computer bought by a firm for its account keeping is classified differently to a computer bought by an individual for playing games and surfing the internet. Explain why.
Answer:
12
Explanation:
An expansionist strategy in regards to capacity is best characterized by Group of answer choices making small, frequent jumps in capacity expansions. using capacity as a competitive weapon in order to compete on cost. willing to use short-term options (e.g., overtime, subcontracting) to meet the demand that exceeds capacity. reducing the risks of over-optimistic demand forecasts.
An expansionist strategy in regards to capacity is best characterized by A. making small, frequent jumps in capacity expansions.
What is an expansionist strategy?An expansionist strategy is a growth strategy aimed at:
Achieving faster growthEarning higher profitsCompeting more favorablyRapidly growing a brandCapitalizing on economies of scale.An organization can use these growth strategies to expand its operations:
Market penetrationProduct developmentMarket expansionDiversification.Thus, an expansionist strategy in regards to capacity is best characterized by A. making small, frequent jumps in capacity expansions.
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The following transactions apply to Ozark Sales for Year 1:
1. The business was started when the company received $50,000 from the issue of common stock. 2, Purchased inventory of $380,000 on account.
3. Sold for $510,000 cash (NOT including sales tax). Sales tax of 8 percent is collected when the merchandise is sold. The merchandise had a cost of $330,000.
4. Provided a six-month warranty on the merchandise sold. Based on industry estimates, the warranty claims would amount to 2 percent of sales.
5. Paid the sales tax to the state agency on $400,000 of the sales.
6. On September 1, Year 1, borrowed $50,000 from the local bank. The note had a 4 percent interest rate and matured on March 1, Year 2.
7. Paid $6,200 for warranty repairs during the year.
8. Paid operating expenses of $78,000 for the year.
9. Paid $250,000 of accounts payable.
10. Recorded accrued interest on the note issued in transaction no. 6.
Prepare the journal entries for the preceding transactions and post them to the appropriate T-accounts.
Answer:
Current liabilities: Accounts payable$130,000
Sales tax payable 8,800
Warranty Payable 4,000
Interest payable 667
Notes payable 50,000
Total current liabilities$193,467
Explanation:
Spatial layout and functionality increase in importance when:
Spatial layout and functionality increase in importance when service is provided in a self-service environment.
What is Service?A Service is an act rendered by either an individual, government, or a firm that could be paid for by an individual or rendered for free.
In the case of spatial layout and functionality, the importance increases when service is provided or in a self-service environment.
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A(n) _____ system is an application used in all the functions of a business and supports decision making throughout the organization
An enterprise system is the application used in all the functions of a business and that supports decision making throughout the organization.
What is an enterprise system?This refers to the large-scale software packages that is used to track or control all of the complex operations of a business.
Hence, the application is also used in all the functions of a business and that supports decision making throughout the organization.
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what is the role of profit in a business ?
Answer:
Profit plays a huge role in business. business is run to gain profit .the main purpose of the business is to make profit if there is no profit in any business then it can no longer be run as it won't be possible to meet up the demands without profits.
Answer:
Profit equals a company's revenues minus expenses. Earning a profit is important to a business because profitability impacts whether a company can secure financing from a bank, attract investors to fund its operations and grow its business. Companies cannot remain in business without turning a profit.
Mr. Troy wants to buy stocks of a local retail company. He needs help with market research and requires some investing advice, as well as someone to do the trading for him. Mr. Troy should contact a(n) _____.
Mr. Troy should can contact securities broker
A consumer's connection to the global financial markets is crucially facilitated by the securities broker. Brokers in securities, also known as sales agents for commodities, financial services, and securities, provide guidance to clients looking to invest money. Securities brokers make arrangements for their clients' purchases or sales of stocks, bonds, and other securities. Brokers guide clients toward the various investment possibilities that best meet their needs among the maze of choices.
Stocks and bonds are the two most popular kinds of securities. By issuing stocks, private companies give the general public a stake in the company. In exchange for using their money to purchase stock, investors may be promised dividends, which represent a portion of the earnings.
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