Your interest rate is reduced by points, commonly referred to as discount points, in exchange for an up-front payment. The lender accepts a higher interest rate in return for a reduction in your closing fees.
What is discounted points?You can trade off your monthly payment for a lower upfront fee by using points. Paying points results in a higher initial payment but a lower interest rate, which results in a longer overall payment.
For someone who is certain they will keep the loan for a long time, points can be a wise choice. The loan amount is taken into account while calculating points.
Your interest rate reduction will vary depending on the specific lender, the type of loan, and the state of the mortgage market.
For each point you pay, you can occasionally see your interest rate reduced by a sizeable amount. Sometimes, the amount of interest that is reduced for each point paid is less.
It depends on the particular lender, the type of loan, and the state of the market.
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What are cost drivers for airlines?
Labor and fuel are the cost drivers of airlines.
A cost driver is a variable that causes a change in costs when the cost driver changes. In other words, it is a variable that influences the expenditures of the organization.
A cost driver is the immediate cause of a company expenditure. A cost driver is any activity that causes the cost of anything else to increase. As an example, the volume of water at the workplace uses in a month influences the cost of the water bill. The cost drivers are water units, and the cost is the water bill.
Therefore, the answer is labor and fuel since when the prices of these are changes the cost also changes.
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Prashanthi doesn’t keep good financial records. How will this likely affect her investment income?
Prashanthi doesn’t keep good financial records, She will not be aware of whether or not she has to sell a stock or purchase more shares. This is further explained below.
What are financial records.?Generally, Documents known as financial records are those that either give proof of company transactions or summarize them. An important component of every accounting department is a collection of financial data that have been meticulously structured. Invoices and receipts are two types of documents that may be included in the most precise level of financial records.
The three most common types of investment income are interest, dividends, and capital gains. Investment income is defined as money produced by financial assets or financial accounts. Interest is paid on bonds, dividends are paid on stocks, and capital gains, which are another term for profits, may be made from any investment.
In conclusion, Due to the fact that Prashanthi does not maintain accurate financial records, she will be unaware of whether or not it is necessary for her to sell a stock or buy additional shares.
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Concerning the six-step process of personal selling, which step is described as: using a referral or calling on a customer without prior notice to determine interest in the product?
Identifying the prospective buyer is the correct answer.
Identifying prospective buyer, establishing contact and a relationship with the buyer, presenting product to the buyer and demonstrating its uses and benefits, convincing customers about the product by efficiently handling objections from customers, negotiating the price and terms of payment, and finally receiving orders are all part of the personal selling process.
It is a series of activities that must be completed in order to successfully obtain an order and begin building long-term buyer relationships. The activities are applicable to all types of selling and can be tailored to most sales situations.
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What insights does the cash flow statement provide about the company’s performance in relation to other financial statements?
The cash flow statement provides detailed insights into how a company used its cash during an accounting period. It shows the sources of cash flow and different areas where money was spent, categorized into operations, investing, and financing activities.
A cash flow statement, also known as a statement of cash flows, is a financial statement used in financial accounting that breaks down the analysis into operating, investing, and financing activities. It illustrates how changes in balance sheet accounts and income effect cash and cash equivalents.
A cash flow statement is a type of financial statement that gives total information about all of the cash inflows a business makes from continuing activities and outside investment sources. It also includes any cash outflows made within a specific time period to cover investments and business expenses.
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A cash flow statement provides detailed insight into how a company used cash during an accounting period. It shows the sources of cash flow and the different areas where the money was spent, broken down into operating, investing, and financing activities.
The purpose of a cash flow statement is to provide a detailed picture of what happened to a company's cash during a specific period called an accounting period. It indicates an organization's ability to operate in the short and long term based on the amount of money going in and out of the business.
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Company X agrees to purchase Company Y in a privately negotiated sale. Which provision of the Definitive Agreement would allow Company Y to achieve a higher purchase price
The correct option is (c) Go-shop provision.
After a Decision analysis (DA) has been signed, the target firm is permitted to seek a greater price from another buyer under the "go-shop" clause. In targeted auctions or one-on-one discussions, more prevalent.
What is Go-shop provision?An arrangement known as a "go-shop period" enables a publicly traded company to look for rival bids even after it has previously accepted a solid offer. The initial offer then serves as a starting point for potential superior offers. A go-shop session often lasts between one and two months.
Some features of go-shop provisions are-
During the go-shop phase, the target firm may be able to secure a better bargain for its shareholders.The floor value in an M&A deal with a go-shop period refers to the original acquirer's offer.Due to the paucity of time for potential suitors to research the target company, higher bids seldom surface during a go-shop period.Example: Argo Infrastructure Partners, LP stated that it would buy Corning Natural Gas Holding Corp. A 45-day go-shop period is outlined in the acquisition agreement.To know more about decision-making process, here
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The complete question is -
Company X agrees to purchase Company Y in a privately negotiated sale. Which provision of the Definitive Agreement would allow Company Y to achieve a higher purchase price?
A. White knight clause
B. No-shop provision
C. Go-shop provision
D. Material adverse change clause
Population estimates show that by the year 2030, nearly 72 million of the population in the united states will come from which group?
Population estimates show that by the year 2030, nearly 72 million of the population in the united states will come from old age group. We are now able to spend 20 to 25 percent of our lives in active retirement hanks to the enormous increases in both numbers and proportions, longer life expectancies, and active lifestyles.
According to the UN Population Division, by 2035, 1 in 5 persons will be 65 or older. Furthermore, the younger generations of today anticipate that the older population of the future will be better educated, healthier, culturally savvy, and, as people, more discerning consumers.
As their physical and sensory abilities start to deteriorate, they will demand—and respond to—goods and services that enable them to continue their active lifestyles and activities. Examples include flexible scheduling, ongoing education, travel, engaging experiences, and opportunities for companionship.
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The value of the marginal product is equal to the marginal revenue product under perfect competition in the product market because:
The value of the marginal product is equal to the marginal revenue product under perfect competition in the product market because: the firm in perfect competition is a price taker.
What is the perfect competition?Perfect competition is the term that is used to refer to the type of competition that exists where there is perfect information in the market. In this market structure the monopoly does not exist.
There is free entry and there are no forms of barriers. Everyone has opportunity and the prices are not in the hands of the people that are selling or those that are buying. Hence we would have marginal product is equal to the marginal revenue product
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Unless special conditions have been agreed upon, there is usually no management influence in:____.
Unless special conditions have been agreed upon, there is generally no management influence on debt financing.
What is Debt Financing?Corresponds to the issuance of an organization's shares, such as its bonds, notes and fixed income products, with the aim of raising money. Generally, in this type of debt, the creditors will receive shares that will give them an equity share in the company's future earnings.
Financing debt is also used as a strategy to drive the company's growth.
Therefore, financing debt is not influenced by management, but by the financial gains that a company will have in a given period.
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A customer, age 52, has a 20 year investment time horizon, s moderate risk tolerance, and is looking for investments that provide both incom and growth. The best recommendation would be
A 52-year-old customer is looking for investments that would generate income and growth over a 20-year investment horizon and with a moderate risk tolerance. The ideal suggestion would be the best option available is large-cap growth stocks. Large-capitalization equities provide both long-term growth potential and dividend payments, satisfying the needs of their customers.
Large-capitalization equities
The shares of companies with a market value of $10 billion or more are referred to as large cap stocks or big caps. As investors gravitate toward quality and stability and become more risk-averse during choppy markets, large-cap equities tend to be less volatile. With a market value of more than $10 billion, a corporation is considered large-cap. The market capitalization of a small-cap company is less than $2 billion, whereas that of a mid-cap corporation is from $2 billion to $10 billion.
Large-cap firms typically have stronger access to the capital markets as well as a broader market issuing experience. The highest trading liquidity is typically found in large-cap stocks.
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Which of the following is NOT one of a wholesaler's channel functions? Group of answer choices off-price retailing financing risk bearing bulk breaking transportation
D) category killers are not one of a wholesaler's channel functions.
Category killer is a big everything-in-one save that dominates a product category. it's a serious competitor for different smaller stores as it generally has a wide selection of merchandise and lower expenses. Its market penetration, pricing, and product collection offer such huge-container shops a competitive benefit.
A completely famous or a successful product, keep, and many others., that dominates the competition in a specific category Their approach brought seek consequences that creamed the competition's, and it served them up in an easy, quick-loading, no-frills format.
We keep our taxonomy of regulation companies with a term i've borrowed shamelessly from the retail enterprise, “category Killers.” In retail, these have traditionally been huge container shops with exhaustive stock and wickedly aggressive fees on one deep “vertical” class of merchandise: domestic Depot and Lowe's.
The question is incomplete. Please read below to find the missing content.
Which of the following is NOT one of the main types of off-price retailers?
A) independents
B) factory outlets
C) warehouse clubs
D) category killers
E) membership warehouses
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Taxes on employee wages to fund Social Security apply to all earnings up to ________. Group of answer choices $63,700 $46,500 $117,000 $128,400
Taxes on employee wages to fund Social Security applies to all earnings up to $117,000.
In 2022, if you work, approximately 85 cents of Social Security taxes will go to a trust fund to provide monthly benefits to current retirees and their families, as well as spouses and children of deceased workers. be paid.
Employer will give Social Security a copy of her W-2 Income Statement when giving a copy of the income tax return. Keep track of your earnings with these employer reports
In addition to hospitalization and medical benefits, most employers offer group life insurance. Employees typically get lower rates on group plans. Group plans also typically accept all employees, including new hires and non-probationary employees, regardless of health or physical condition.
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As parturition nears, the levels of progesterone ______ and the levels of estrogen ______.
a. decrease; increase.b. increase; decrease.c. decrease; decrease.d. increase; increase.
As parturition nears, the levels of progesterone decrease; and the levels of estrogen increase.
Progesterone helps regulate your cycle. But its main job is to prepare the uterus for pregnancy. After ovulation, progesterone thickens the lining of the uterus in preparation for a fertilized egg. . When there are no more fertilized eggs, progesterone levels drop and menstruation begins.
Progesterone is a hormone that stimulates and regulates vital functions, plays a role in maintaining pregnancy, prepares the body for conception, and regulates the monthly menstrual cycle.
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Floridation of drinking water helped to reduce water-borne infections like cholera and typhoid in the United States. True False
It is false that Floridation of drinking water helped to reduce water-borne infections like cholera and typhoid in the United States
What is Floridation?Water fluoridation is a form of water treatment which helps prevent some ailments.
Florine is good for bones and teeth and therefore the additional of recommended quantity to water helps prevent tooth decaying.
It can be added to public water from help increase flourine contents.
Flourine does not work for bacteria and other infection.
Therefore, It is false that Floridation of drinking water helped to reduce water-borne infections like cholera and typhoid in the United States
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Answer: FALSE
Explanation:
Fluoridation helps to prevent tooth decay but it does not work for bacteria and other infection.
Water fluoridation is the process of adding fluoride to the water supply so the level reaches approximately 0.7 ppm, or 0.7 milligrams of fluoride per liter of water; this is the optimal level for preventing tooth decay
All of the following are true about health insurance except:
The option that's not true about health insurance is that A. People with health insurance can skip lines in emergency rooms.
What is health insurance?
It should be noted that health insurance is a contract that requires a company to pay healthcare costs in exchange for a premium.
In this case, the option that's not true about health insurance is people with health insurance can skip lines in emergency rooms.
In conclusion, the correct option is A.
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Complete question:
All of the following are true about health insurance except:
a. People with health insurance can skip lines in emergency rooms
b. Health insurance protects you financially from medical emergencies.
c. Health insurance lowers your risk of acquiring medical debt.
d. Health insurance allows some medical procedures to be covered by a low-cost co-pay.
To evaluate _____, a systems analyst needs information about projected future volume for all outputs, inputs, and processes.
To evaluate Scalability, a systems analyst needs information about projected future volume for all outputs, inputs, and processes.
Systems analyst uses analysis and design techniques in order to solve business problems using information technology. Apart from that they identify what improvements the organization they work for needs, and so they design systems to implement those changes.
System analysts also evaluate Scalability. Scalability is referred to as the measure of a system's ability to increase or decrease in performance and cost in response to changes in application and system processing demands.
Hence, in order to evaluate scalability, a systems analyst requires information about projected future volume for all outputs, inputs, and processes.
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Which activity is set by policy at the start of a project?
The activity which is set by policy at the start of a project is the detailed project planning.
At the start of a project, the first planning activity is to define project activities, using a Work Breakdown Structure. The purpose of this activity is to establish a common understanding of project scope, it also includes determining and answer and to begin the detailed project planning.
The detailed project planning is necessary as it makes a project valuable and accurate. There are five phases of project planning and management which includes conception and initiation, planning, execution, performance or monitoring, and project end.
Hence, the activity which is set by policy at the start of a project is the detailed project planning.
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Projects should always be discounted at the firm's overall cost of capital.
a. True
b. False
The statement, projects should always be discounted at the firm's overall cost of capital is false.
If overall cost of capital is used by a firm in order to discount cash flows from higher risk projects, in the future it will not be beneficial for a firm as the firm will accept too many high-risk.
A high weighted average cost of capital typically signals higher risk which is associated with a firm's operations because the company is paying more for the capital that investors have put into the company.
It is researched that, as the risk of an investment increases, investors demand an additional return to neutralize the additional risk.
Hence, the projects should not always be discounted at the firm's overall cost of capital.
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A short-run aggregate supply curve shows fixed _____, and a long-run aggregate supply curve shows fixed _____.
A short-run aggregate supply curve shows fixed prices, and a long-run aggregate supply curve shows fixed output.
What is aggregate supply curve?Aggregate supply curve can be defined as the supply curve that shows the amount of product or goods and services a company produces and intend to sell at a particular price during a specific or particular period of time.
Hence, A short-run aggregate supply curve tend to shows or display fixed prices, and on the other hand long-run aggregate supply curve tend to shows fixed output.
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Assume that projects alpha and beta are mutually exclusive. the correct investment decision and the best rational for that decision is to?
The best rational decision is to invest in project Beta, since NPV Beta > NPV Alpha
What is the best rational decision?
Net present value is the present value of after-tax cash flows from an investment less the amount invested. Only projects with a positive NPV should be accepted. A project with a negative NPV should not be chosen because it isn't profitable.
When choosing between positive NPV projects, choose the project with the higher NPV first because it is more profitable.
NPV can be calculated using a financial calculator
NPV calculation for project alpha:
Cash flow in year 0 = -79
Cash flow in year 1 = 20
Cash flow in year 2 = 25
Cash flow in year 3 = 30
Cash flow in year 4 = 35
Cash flow in year 5 = 40
I = 17 %
NPV =$12.01
NPV calculation for project beta:
Cash flow in year 0 = -80
Cash flow from year 1 to 7 = 25
I = 14%
NPV = 27.21
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You vividly remember where you were when you heard about the Boston Marathon bombing, a very traumatic experience. What you remember is a(n) ________ memory.
You vividly remember where you were when you heard about the Boston Marathon bombing, a very traumatic experience. What you remember is a(n) flashbulb memory.
What is a flashbulb memory?This is the term that is used to refer to the type of memory that is accurate and also vivid in nature.
This is the answer here because the memory is vivid and the person still knows all that transpired on that day.
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Which sector of the economy was best represented among the top five spenders in 2016?
Health care sector of the economy was among the top five splendors in 2016.
All enterprises involved in the provision and coordination of medical and associated goods and services are included in the healthcare industry.
This industry has some substantial benefits in the United States, but it is also plagued by a number of variables that pose potential economic concerns.
The healthcare sector in the United States provides for a disproportionate percentage of spending in relation to health results, raising concerns about politically motivated industry change.
The healthcare industry is one of the largest and most complicated in the American economy, accounting for 18% of GDP in 2020. In 2016, health-care spending in the United States climbed by 4.3 percent to $3.3 trillion, or $10,348 per person.
Therefore, the answer is healthcare sector.
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Bella and John are getting married in two months. They pay the company, Wonderful Weddings, to coordinate and plan their wedding. In the context of marketing, this scenario best illustrates a(n)
An exchange in marketing is illustrated when Bella & John pays the company known as Wonderful Weddings to coordinate and plan their wedding.
What is an exchange in marketing?In marketing, this refers to the process whereby an individual or organisation decides to satisfy a need or want by offering some money or goods to the party to satisfy such want or need.
An exchange is normally supposed to produce an utility in the marketing context because it refers to the value of what you trade which is less than the value of what you receive from the trade.
The types of exchange in marketing are:
Restricted Exchanges Generalized ExchangesComplex ExchangesThe concept of an exchange happens, when both parties have to have something of value for each other.
Hence, an exchange in marketing is illustrated when Bella & John pays the company known as Wonderful Weddings to coordinate and plan their wedding.
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The two most basic inventory questions answered by the typical inventory model are:.
The two most basic inventory questions answered by the typical inventory model are order time and order quantity.
What is the Inventory model?Corresponds to a metric that organizations use to control stock, determining the level needed to effectively meet production, raw materials and order demands, in order to identify how much stock is necessary for the flow of organizational processes occur optimally.
Therefore, it is essential that inventory management is analyzed, organized, controlled and reviewed in accordance with organizational objectives and goals.
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A contract between businesses in two different countries falls under Blank______ international law, while disputes between two countries over trade subsidies falls under Blank______ international law.
A contract between businesses in two different countries falls under private international law, while disputes between two countries over trade subsidies falls under public international law.
The body of laws, norms, and standards generally accepted as obligatory between nations is known as international law, sometimes known as public international law, the law of nations, and international ethics.Both civil (also known as Roman) and common law systems can be regarded as the most prevalent in the globe. Civil law is the most prevalent in terms of both population and landmass, whereas common law is used by the most people out of all civil law systems.What is a country's legal system ?The method for making, interpreting, and upholding the laws in a given territory is the legal system of a nation.
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1. You are a small employer wishing to establish a benefits program for your employees. What things should you consider to ensure that the program is a success for your employees?
The program is considered to be success when it is implemented properly.
Employee benefit programs include health and life insurance, preventative doctor care, and the free health checkups, all of which aid employees in maintaining excellent health and fostering wellbeing. These benefits increase employee satisfaction with your company.
Employers have a significant and costly challenge in managing employee benefits. While most companies are required to give mandated benefits such as Social Security payments, worker's compensation insurance, and unemployment insurance, the majority of other benefits are optional and selected by the company.
Therefore, the answer is proper implementation.
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Solaris, Inc. has 2000 shares of 5%, $10 par value, cumulative preferred stock and 50000 shares of $1 par value common stock outstanding at December 31, 2020. What is the annual dividend on the preferred stock
The annual dividend on the preferred stock is $1000 in total.
What is an Annual dividend?An annual dividend is a payment made by an insurance firm to its policyholders each year in the insurance sector. Annual dividends are most frequently given out in combination with plans that provide long-term disability insurance and permanent life insurance. A payment made annually to an insurance policyholder, frequently under a long-term disability or permanent life insurance policy, is known as an annual dividend. The insurance company's income, the success of investments, and the amount of money invested all affect the dividend amount.Annual profits may be paid as cash, used to pay for further insurance, or added to premiums to lower future total payments.
The company has 2000 shares of 5% that is: (2000*5)/100 = 100
with a par value of $10, which becomes:
100*$10 = $1000.
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You run a stop sign and hit another vehicle. Which type of insurance will pay for the repair of your vehicle
You run a stop sign and hit another vehicle. Collisions are the type of that insurance will pay for the repair of your vehicle
This is further explained below.
What is collision insurance?Generally, Collision insurance is a kind of coverage that may assist pay for the repair or replacement of your vehicle in the event that it is damaged in an accident with another vehicle or object, such as a tree or a fence. When you lease or finance a vehicle, the lender will almost always demand you to have collision coverage on the vehicle.
In conclusion, You blow through a stop sign and collide with another car. Your auto insurance company will pay for the repairs to your car if it was damaged in a collision.
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As production workers become better organized and more familiar with equipment, the average cost per unit tends to decrease with the ________. Group of answer choices increase in the diseconomies of scale increase in derived demand decrease in the economies of scale increase in primary demand accumulated production experience
As production workers become better organized and more familiar with equipment, the average cost per unit tends to decrease with the accumulated production experience.
What is Accumulated production?
It refers to the gain a company experiences in producing a product over a period of time. Workers learn shortcuts, materials flow more smoothly, and procurement costs fall. The result is that average cost falls with accumulated production experience. This decline in the average cost with accumulated production experience is called the experience curve or learning curve.
Considering accumulated production experience, the decrease in average cost is classified as:
experience curve.learning curve.Therefore, we can conclude that the correct option is accumulated production experience.
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Bonds Payable has a balance of $900,000 and Premium on Bonds Payable has a balance of $10,000. If the issuing corporation redeems the bonds at 103, what is the amount of gain or loss on redemption
Based on the balance of Bonds Payable and Premium on Bonds, the amount of loss on redemption is $17,000.
How much does the company gain or lose on redemption?The cash the company paid is:
= 900,000 x 103/100
= $927,000
The gain (loss) on redemption is:
= Bond carrying value - Cash paid
= (900,000 + 10,000) - 927,000
= -$17,000
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Wu Company incurred $40,000 of fixed cost and $50,000 of variable cost when 4,000 units of product were made and sold. If the company's volume doubles, the total cost per unit will:
Wu Company incurred $40,000 of fixed cost and $50,000 of variable cost when 4,000 units of product were made and sold. If the company's volume doubles, the total cost per unit will decrease
The cost per unit formula includes the sum of fixed and variable costs, which is divided by the total number of units manufactured during the period. To find the unit cost: Unit cost = (total fixed cost + total variable cost) / total production unit
The unit cost is higher than the cost of producing a single unit of the product. It also represents your break-even point, or the minimum value you must sell an item before you can start making a profit.
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