Answer:
When you hear the words “small business lender”, you may imagine a calculator-clutching community banker who spends his time carefully scrutinizing entrepreneur’s financial statements. But increasingly these days that’s anachronistic. Banks have moved from being community-focused to being Fed-focused, and small business lending is less of a priority. That’s why if you talk to any small business owner about the biggest obstacles to their growth, it won’t take long for the conversation to turn to capital access.
In fact, about 80 percent of small business owners who apply for a bank loan get rejected. That’s a staggering number, and it’s easy to think that this is just a ripple effect of the financial crisis of 2008. After all, banks almost by definition tighten the credit spigot during a banking crisis, and there’s no question that the crash is partly responsible for the 20 percent decline in small-business lending from the pre-crisis boom. Moreover, terms on small business loans tightened during the crisis, and have loosened much less for small firms than for large firms during the recovery.
But, that’s not the whole story. The truth is that over the past two decades, small business loans have fallen from about half to under 30 percent of total bank loans. That secular decline is due to a multitude of factors, including high transaction costs of small business loans and regulators that push banks to hold more capital against business loans than consumer loans, further driving up the costs of small-business lending.
Explanation:
Kids Early Start (KES) operates from Monday to Friday. KES provides childcare and educational services for inner-city kids between ages of 3 months and 5 years. It has fixed expenses of $35,000 per week and charges parents $15 per day for each child who attends the program.
Answer:
Actualmente, más de la mitad de los niños menores de 5 años en Estados Unidos asisten periódicamente a algún tipo de programa de guardería o preescolar fuera del hogar. Las experiencias de estos niños en estos lugares afectarán sus vidas futuras. Para muchas familias, lamentablemente, la educación inicial y el cuidado infantil de buena calidad no están disponibles o no son accesibles.
Con el objetivo de tomar medidas para abordar los problemas que se presentan, la declaración de política de la American Academy of Pediatrics (AAP) titulada, "Educación inicial y cuidados infantiles de calidad desde el nacimiento hasta el jardín de niños" (en inglés), detalla tanto la importancia de la educación inicial y los cuidados infantiles de calidad como lo que su pediatra puede hacer para ayudarlo a encontrar estos servicios cerca de su casa.
Explanation:
Presently, more than half of young children in the United States under the age of five consistently attend some kind of preschool or day care program outside the home.
These kids' experiences there will have an impact on how they live in the future.
What does early childhood education process quality entail?The daily interactions and activities that children have in ECEC settings that promote development are referred to as "process quality."
Prior research has mainly evaluated process quality through careful observation of the behaviors and interactions children take.
The American Academy of Pediatrics (AAP) policy statement aims to take action to solve the current problems. Unfortunately, many families lack access to or availability of high-quality early childhood education and care.
For more information about American Academy to refer link
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According to Florida law, a child between the ages of 4 and 5 may only use a seat belt in lieu of a
specialized device if:
a) the driver is not a member of the child's immediate family and the child is being transported gratuitously
b) child is being transported in an emergency
c) when a medical condition requires an exception
d) all of the above
B
Because if the child is an emergency they are required to wear a seat belt for their safety.
The driver is not a member of the child's immediate family and the child is being transported gratuitously and child is being transported in an emergency.
What are the traffic law's of Florida?There is a certain age and weight limits and vehicle experts recommend that you should be placing your child in the rear seat until he or she is less than 20 pounds of weight or less than 4 years of age.Children below 4 years of age are restrained in the vehicle’s rear seat and must always be seated in the car seat with all the belts on.To learn more about Traffic laws of Florida refer: https://brainly.com/subject/law
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What is one of the advantages of having a F a c e b o o k fan page instead of a personal page? Question 10 options: Receiving fewer personal messages Sending bulk messages Saving time More personal convenience
Answer: "More personal convenience".
Explanation:
A F acebook Fan Page is a business account.
It represents a company or organization.It offers unique tools as an added advantage for managing and tracking engagement.One of the advantages is "More personal convenience".
F acebook fan page has the option of keeping personal page of a person separated and not connected to it.
It can be controlled by the privacy settings on the personal page and optimize the publicity for Fan Page.
Hence, the correct option is "More personal convenience".
Answer:
Sending bulk messages
Explanation:
One of the main differences between a Faceb00k profile and a fan page is you can send bulk messages to all your fans. This is according to the provided textbook, which I recommend reading if you want the answers to more of your questions.
Which of the following accurately describes one way that individual goods
differ from public goods?
A. All individual goods are normal goods.
B. Demand for individual goods is always inelastic.
C. Consumer rivalry results in decreasing marginal utility for
individual goods.
D. People can be excluded from using individual goods if they don't
pay.
Which of the following statements about cash basis accounting is true? (Select the best answer.
A.The IRS allows all types of corporations to use it
B.It ensures the company always knows how much cash flow it has.
C.It is more complicated than accrual basis accounting.
D.It follows GAAP standards
Answer: B.It ensures the company always knows how much cash flow it has.
Explanation:
Cash basis accounting is an accounting method whereby the revenues and expenses are recognized as at the particular time that the cash is gotten or paid out. It should be noted that for the accrual accounting, the income is recognized when revenue is earned and also records the expenses when the liabilities are incurred not taking into cognisance of when the cash is either received or paid.
In cash basis accountant, the expense is debited and the cash is credited in the period that the bill is paid. Finally, it should be noted that the cash basis accounting is not also acceptable under generally Acceptable Accounting Principles (GAAP).
ASAP!!!! Really easy
Answer:
Go to Excel and use the following business plan:
Explanation:
revenue sheet, gross profit, and firm statement
Answer:
Go to Excel and use the following business plan:
Explanation:
revenue sheet, gross profit, and firm statement
Economics: Which items make up the marketing mix?
Answer: Price, Product, Promotion and Place.
Explanation:
Answer:
price, product, promotion and place
Explanation:
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What business is most helped by free trade practices
Answer:
Competition
Explanation:
Free markets allow open competition in the marketplace.
Which of the following statements is false? A. We are able to assert dominance over others most exclusively with eye contact in a matter of seconds when we first encounter one another B. We tend to direct our comments toward those from whom we expect or what like feedback C. Males consistently give more eye contact in females D. There is more Mutual contact between friends than other
Answer:
Explanation: need points :D
Use the information presented in the curve to answer
the following question.
What is the equilibrium price for the product?
$25
$20
$15
$10
Answer:
20
Explanation:
How can a country respond to a trade embargo?
A. By developing its infrastructure
B. By pursuing a policy of globalization
C. By seeking other trading partners
D. By imposing a protective tariff
Answer: C. By seeking other trading partners
Which of the following purchases is a matter of marginal, or incremental, cost-benefit analysis?
A large house
A college education
An alarm system
A surgical procedure
An additional sweatshirt
Answer:
An additional sweatshirt
Explanation:
Marginal or incremental cost - benefit analysis are costs associated with producing an additional unit of product as well as the benefits associated as a result of the additional unit. Marginal analysis is normally used when a company desires to expand (or increase) production so that they determine if the expansion would result with an increase in profit or not.
This is done by first determining the additional cost associated with the activity change and its benefits, then the costs and benefits are then compared.
1. The minimum age to receive a Class C drivers license is
A. 15
B. 16
C. 18
What are the consequences of Real wage unemployment?
Answer:
Explanation:
Firstly, in a recession, if you cut wages, it will cause a fall in spending because people have less income, this will reduce aggregate demand and therefore lead to lower economic growth. This, in turn, will lead to less demand for labour.
A(n) ________ ad tries to convince consumers that everyone else is already buying and enjoying the product, and they should too.
Answer: Bandwagon
Explanation: Advertisements which are structured in other to pounce on the emotion of the target audience mainly by utilizing the the fact that some consumers are already on board to spur others. It aims to influence consumer decision by making it known that a certain group, market have embraced or adopted a certain product. The main intention is to appeal to other potential consumers to come on board in other to be a part of what others are doing or enjoying. It is usually regarded as a propaganda or persuasive marketing strategy.
How are jobs affected by supply and demand ?Explain how changes in supply and demand couple impact employment and jobs?
Answer:
Please see explanation below
Explanation:
a. Just as supply and demand affects any other market, so does it affects jobs too. Take for instance if additional workers are added to the existing workforce while the demand for jobs remains the same; it means that employers would likely pay less which will bring about drop in income to employees hence causes less job stability. On the other hand, if there is an increase in demand for jobs while supply remains the same; then employers will be willing to pay more thereby resulting in higher income for few who are employed hence bring about job stability.
b. Change in demand refers to either an increase or decrease in demand for a particular good or service due to changes in consumer tastes, income level, population, price of substitutes etc; while change in supply is when suppliers decided to either increase or decrease their production or output due to changes in technology, process automation, change in the number of competitors in the market, taxes, production costs etc.
An increase in demand for certain goods or services would necessitate an increase in supply for such goods hence create avenue for producers or manufacturers to employ more people to produce them. Also, a decrease in demand for certain goods or services would result in less goods being produced hence lesser people getting employed to produce such goods.
On the other hand, when producers embraces new technology or process automation , the possibility of producing more goods will be higher while such would result in job losses.
In 2012 London hosted the Olympic Games. Explain why business and sales within the hospitality and catering sector increased during and after the games.
How the nation’s total income is spread out among its population is referred to as _______. -) workforce -) income distribution -) the enterprise zone -) the poverty rate m
HEYA PAL!!
Answer:
It is referred to as income distribution.
Explanation:
i know the Answer is income distribution because
workforce is the people engaged in work or available for work, either in a country or area or in a particular firm or industry.
the enterprise zone is an area in which state motive such as tax are offered to encourage business investment. meaning it is money for business investments.
and poverty rate is the ratio of the number of people (in a given age group) whose income falls below the poverty line.
so, there is income distribution left because not only it suits the answer but as long as I remember, i knew the definition of it .
Hope it helps!!
With a(n) _______, the full amount of the loan is received when the contract is signed, but only the interest is paid over the life of the loan. The principal is then paid on the date that the loan is due. Question 2 options: retirement loan balloon loan line of credit installment loan
Answer:
Installment Loan
Which of the following does not promote increased international trade and economic growth?
A. High tariffs
B. Technological improvements
C. Industrialization
D. Trade liberalization
Answer:
High Tariffs
As of December 31, the Stanford company has the following information. Use this information to answer questions 1 to 3. Cash $5,000 Accounts Receivable 15,000 Inventory 40,000 Prepaid Insurance 3000 Fixed Assets 100,000 Accounts Payable 15,000 Notes Payable in 5 Months 12,500 Salary Payable 25,000 Notes Payable in 5 years 35,000 Owner’s Equity 98,000 2. What is the company's Working Capital? Question 2 options: 12,500 10,500 15,000 15,500
Answer:
$10,500
Explanation:
Calculation for Stanford Company's Working Capital
Using this formula
Working capital =Current Assets- Current Liabilities
Where,
Current Assets = Cash + Accounts Receivable + Inventory + Prepaid Insurance
Current Assets = ($5,000 + $15,000 + $40,000 + $3,000) = $63,000
Current Liabilities = Accounts Payable + Notes Payable in 5 Months + Salary Payable
Current Liabilities = ($15,000 + $12,500 + $25,000) = $52,500
Let plug in the formula
Working capital =$63,000-$52,500
Working capital =$10,500
Therefore the Working Capital for Stanford Company will be $10,500
Answer:
10,500
Explanation:
Assume your city government has been contacting with a single garbage collection firm that has been granted an exclusive franchise, the sole right, to pick up trash within your entire city limits. However, it has been proposed that companies be allowed to compete for business with residents on an individual basis. The city government has estimated the price residents are willing to pay for various numbers of garbage collections per month and the total cost facing the garbage collector per resident as shown in the following table.
Pickup (Q) Price/Pickup Total Revenue (TR) Marginal Revenue (MR) Total Cost (TC) Marginal Cost (MC) Average Total Cost (ATC)
0 $4.20 0 --- $3.20 --- ---
1 $3.80 $4.20
2 $3.40 $5.60
3 $3.00 $7.80
4 $2.60 $10.40
5 $2.20 $13.40
6 $1.90 $16.80
1. What are the fixed costs per month of garbage collection per resident? Explain your answer
2. Considering that the current garbage collection firm the city has contracted with has a monopoly in garbage collection services, what is the current number of collections residents receive per month and the price charged residents for each collection? What is the economic profit received from each resident by the monopoly firm? (Note: Profit received form individual resident must be calculated a per unit basis)
3. If competitive bidding were allowed and therefore a competitive market for garbage collection services developed, what would the number of collections per month and the price charged residents per collection? What is the economic profit received from each resident by the competitive firm? (Note that in a competitive market (chapter 13), P=MC=MR)
4. Based on the above analysis, should the city government allow competitive bidding? Why? Would you expect there to be any quality differences between the monopolistic and competitive trash collection firms?
Answer:
collect and recycle
Explanation:
How does physical, chemical and biological factors affect the environment and examples of each
Jaden works for LeoHart. He meets with a team to discuss shareholders’ interests and assign managers to run certain parts of the company.
Answer:
Jaden have to deal with good products
Explanation:
Jaden have to advertise the product and be good bheaving to them
Explain three guidelines for evaluating ads.
Answer:
Looks, actors, what the product is
Explanation:
If it looks perfect, you know it is fake or polished in some way. If the actors talk really fast or act serious, it shows a bad sign in the product. Finally, it needs to have facts not opinions
If you took $1,000 and put it into an interest-bearing savings account compounding quarterly at 3%, how much would your fund be worth at the end of one year? A: $1,030.00 B: $1,120.00 C: $1,030.34 D: $1,120.33
Answer:
C. $1030.34
Explanation:
Given:
Principal = $1,000
Interest = 3%
Number of Times = Quarterly
Time = 1 year
Interest Type = Compound Interest
Required
Amount at the end of the year
To solve this, I'll make use of Amount formula which is;
[tex]A = P(1 + \frac{r}{n})^{nt}[/tex]
Using compound interest notations, the given parameters are:
P = $1,000
r = 3%
t = 1
Quarterly means 4 times a year;
So, n = 4
Solving for Amount (A), the formula becomes
[tex]A = \$ 1000(1 + \frac{3\%}{4})^{4 * 1}[/tex]
[tex]A = \$ 1000(1 + \frac{3\%}{4})^{4}[/tex]
Convert percent to decimal
[tex]A = \$ 1000(1 + \frac{0.03}{4})^{4}[/tex]
[tex]A = \$ 1000(1 + 0.0075)^{4}[/tex]
Solve the expression in the bracket
[tex]A = \$ 1000(1 .0075)^{4}[/tex]
Solve the exponent
[tex]A = \$ 1000 * 1.03033919066[/tex]
[tex]A = \$ 1030.33919066[/tex]
[tex]A = \$ 1030.34[/tex] (Approximated)
Hence, the amount at the end of the year is approximately $1030.34
The demand for digital media has increased over the last several years. How would this affect the wages paid to web developers?
Answer:
Increase in wages
Explanation:
Nowadays we can see that the demand for digital media is increasing immensely, due to which there is also a greater need for a web developer who designs and runs a digital media platform.
Web developers are being paid more salary and wages, due to their high requirement, they get fair wages and also get more employment opportunities.
Answer:
increase
Explanation:
Nowadays we can see that the demand for digital media is increasing immensely, due to which there is also a greater need for a web developer who designs and runs a digital media platform.
Web developers are being paid more salary and wages, due to their high requirement, they get fair wages and also get more employment opportunities.
As of December 31, the Stanford company has the following information. Use this information to answer questions 1 to 3. Cash $5,000 Accounts Receivable 15,000 Inventory 40,000 Prepaid Insurance 3000 Fixed Assets 100,000 Accounts Payable 15,000 Notes Payable in 5 Months 12,500 Salary Payable 25,000 Notes Payable in 5 years 35,000 Owner’s Equity 98,000 2. What is the company's Current Ratio? Question 3 options: 2.5 1.75 2.1 1.2
Answer:
1.2
Explanation:
current ratio = current assets / current liabilities
current assets = cash ($5,000) + accounts receivable ($15,000) + inventory ($40,000) + prepaid insurance ($3,000) = $63,000current liabilities = accounts payable ($15,000) + notes payable in 5 months ($12,500) + salaries payable ($25,000) = $52,500current ratio = $63,000 / $52,500 = 1.2
Which of the following should be considered last when searching for financing? Question 7 options: Family members Banks Commercial finance companies Credit cards
Answer: credit card should be last
Explanation:
Which of these are characteristics of successful entrepreneurs?(select four answers)
Confidence,discipline, optimism,& passion
Answer:
Confidence, discipline, optimism, & passion
Explanation:
You are correct. :)