You probably have a fair amount of monthly income to spend toward investments or savings if your DTI ratio is 36% or lower. For most lenders, you are a sure bet to be able to afford the monthly payments on a new loan or line of credit.
What is the DTI (debt-to-income ratio)?Your debt-to-income ratio (DTI) measures the percentage of your monthly income that is used to pay down debt. It relates specifically to the portion of your gross monthly income (pre-tax) that is used to pay off debts like rent, a mortgages, credit cards, and other obligations.
What happens if I have a high debt to income ratio?Higher DTI borrowers will have a hard time being accepted for a mortgage. Too much debt may be an indication that you might miss a payment or go into default on the loan. Lenders want to know that you can make your monthly mortgage payments.
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discuss how the stock for your company is trending. explain why the stock is in either an uptrend or downtrend. convince your peers either to invest in your chosen company or not invest in the company. explain your reason why.
Walt Disney is the company I selected. The stock price has a downtrend tendency when viewed in aggregate. Disney is always a good investment since it is constantly changing.
The highest stock price during the past year was 201.91; today, it is 175.48. It peaked in the second quarter of the fiscal year 2021. In the past year, there has been a lot of uncertainty. something could have changed the pattern. COVID is the main contributing factor. Due to the economy's decline during COVID, many businesses suffered. Disney opened its Florida parks during the past year, but because to a mandate, they were unable to remain open during the pandemic. Disney has regained its position as a leader in the entertainment industry with the reopening of their parks.
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which management function is involved with ensuring that an event occurs as it was intended to occur?
Answer: The answer is Organizing and Controlling
Explanation: Organizing would ensure that the events is well- prepared and controlling able to control how the events would go
Hope this was helpful
if you would like to notify recruiters that you are looking for a job, as well as customize the types of jobs you are looking for, you should use which feature?
LinkedIn is the feature I use if you would like to notify recruiters that you are looking for a job, as well as customize the types of jobs you are looking for.
How do you make your availability known to recruiters?Click Change next to the statement Let recruiters know you're open to opportunities in the Job seeking preferences section. To share that you're available and show up in recruiters' searches for candidates with similar career interests, set the toggle to Yes. To avoid disclosing your job interests to recruiters, set the option to No.
What is the work of a recruiter?Let's start with the fundamentals: a recruiter assists a company in matching competent candidates with open openings. On Handshake and other platforms, they look for candidates and contact them. Additionally, they act as a conduit between the applicant and the business during the interviewing process.
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the global reporting initiative’s (gri’s) social standards pertain to the following topics: garrison 17e rechecks 2021-12-09 multiple choice a) diversity. b) labeling. c) profit sharing. d) a and b only. e) a and c only.
Global reporting Initiative (GRI) a non-profit that promotes a sustainable global economy by offering recommendations for social audits and sustainability reporting.
The GRI Standards: What Are They?The GRI Standards were created to make it possible for every company, no matter how big or little, private or public, to comprehend and report on its effects on the economy, environment, and people. The comparable and reliable nature of these reports will increase transparency regarding their contribution to sustainable development. These cover a wide range of corporate stakeholders, such as financiers, legislators, capital markets, and civil society.
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which other track early in the sgt. pepper sessions, was released as a half of a single instead, at the insistence of their record company?
"Strawberry Fields Forever" was released as a half of a single instead, at the insistence of their record company in the early sgt. pepper sessions.
What do you know about sgt. pepper sessions.?
Sgt. Pepper's is the most iconic album by the world's most iconic band and the Big Bang of modern rock music. This is the most sacred thing in rock music. However, there are two reasons why the news of a Sgt. Pepper's 50th anniversary remix was not met with howls of derision. The first is that Giles Martin, the son of the late, great Sir George Martin, is widely respected and regarded as a trustworthy individual. The second reason, as Martin Jr. already mentioned, was that the previous remixes of the Beatles' back catalogue in which he had been involved had received widespread approval.
So, The required answer is "Strawberry Fields Forever."
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An individual bank can safely lend only an amount equal to its excess reserves, but a commercial banking system can lend
(A) based on the amount of the reserves held in the Federal Reserve Banks.
(B) based on the amount of tis collective excess reserves.
(C) by a multiple of its collective excess reserves.
(D) based on the amount of its total demand deposits.
The whole amount of surplus reserves held by the commercial banking system can be lent out many times over. Option C is correct
A financial institution that accepts deposits, offers checking account services, makes various loans, and gives people and small companies access to basic financial products such certificates of deposit (CDs) and savings accounts is referred to as a "commercial bank." Public sector banks, private sector banks, foreign banks, and regional rural banks are additional categories for commercial banks (RRB). Contrarily, there are two categories for cooperative banks: urban and rural. A payments bank is another relatively recent addition to the structure in addition to these.
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Layla works during her meeting to pull together the ideas of her committee members into a coherent whole. Layla is performing a ________role.
Because putting thoughts together is a typical chore or action in this role, Layla is acting out a task.
The correct answer is C. Task
What does being "on task" mean?
dedicated to and centered on a specific task. If we want to complete your project before the deadline, we must remain focused. I truly wish you would focus and stop wandering off. A task is an item that symbolizes some work that needs to be completed. If the operation yields a response, the task will provide it to you if it can let you know if the work is finished.
What is learning through tasks?
A method to language learning known as task-based learning involves assigning interactive activities to students. They must talk to one another to do this. When the assignment is finished, the teacher goes through the language employed. The students create a schedule for a guest who is coming to stay with their teacher.
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suppose you wanted to lock in an interest rate for an investment that begins in one year and matures in five years. what rate would you obtain if there are no arbitrage opportunities?
investment with a one-year start date and a five-year maturity. assuming there are no prospects for arbitrage, what price would you get. To calculate the interest rate for four years.
How does investing work?An asset or object purchased with the intention of earning revenue or growth is referred to as an investment. The term "appreciation" describes a rise in an asset's worth over time. When a person buys a product as an investment, they don't intend to utilize it right away; instead, they plan to use it to make money later on.
why people invest,A great method to put your funds to work and possibly increase your wealth is through investing. Your money may grow in value and outpace inflation with wise investing. The power that compounding and the threat trade-off are principally responsible for investing's higher growth potential.
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which of the following statements regarding accounts payable is incorrect? question content area bottom part 1 a. because accounts payable are typically due in 30 days, they are current liabilities. b. accounts payable occur because the business receives the goods or services before payment has been made. c. accounts payable represent debts owed to creditors. d. the accounts payable account is decreased with a credit.
The account payable account is decreased with a credit is an incorrect statement. The correct option is (d).
What is Account Payable?Accounts payable are amounts that a company owes to its suppliers and are shown as a liabilities. It varies from notes payable liabilities, which are commitments established through formal legal contracts. A corporation's clerical, administrative, & financial assistance is handled by the accounts payable section.
They are in charge of keeping track of the business's immediate liabilities, paying vendor invoices & bills, and paying creditors like suppliers and other lenders. The change in total AP from the previous period is shown on the cash flow statement. In order to increase cash flow, management may decide to pay its outstanding debts as near to their due dates as possible.
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the earned income tax credit, a government program that supplements the incomes of low-wage workers, is an example of a
'The earned income tax credit, a government program that supplements the incomes of low-wage workers is an example of a tax incidence.
In economics, tax incidence or tax burden is the effect of a particular tax on the distribution of economic wealth. Economists distinguish between the entity that ultimately bears the tax burden and the entity that initially receives the tax.
Tax accrual is a measure of who ultimately pays the tax, either directly or through a tax burden. This burden can be shared between buyers and consumers, or different groups within the economy.
Tax incidence refers to the extent to which an individual or organization is subject to taxation, which can affect consumers, producers, or both. Incidence is also called tax burden. How the incidence falls depends on the price elasticity of demand.
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explain spirit's pricing strategy in your own words. does the company employ good-value pricing or value-added pricing? explain.
Spirit Airlines uses GOOD-VALUE pricing because they provide the ideal balance of high caliber and excellent service at a reasonable cost. The primary offering of the business is an airplane seat.
Value pricing is possibly the most essential pricing technique of all. This considers how valuable, significant, and useful your consumers consider your goods or services to be.
According to the pricing technique known as penetration pricing, manufacturers of new products set their prices extremely low in the hopes of luring consumers to buy them. Although penetration pricing enhances a company's market share, it can also result in the company making very little money.
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Pavel was an inventor. He read that there were several million people who could not sleep at night until they
looked under the bed. He invented a light that could be put under a bed and went on automatically when
someone looked there. Pavel's product is designed to help people perform a ________.
a) ritual
b) symbolic exchange
c) convention
d) rite of passage
ANSWER: Here Pavel's product is designed to help people perform a ritual.
WHAT IS MEANT BY RITUAL?
An established sequence of actions, including gestures, words, objects, or actions and actions, is known as a ritual. Rituals may be prescribed by a community's traditions, particularly those of a religious society. Aspects of ritual that are differentiating but not defining include formalism, traditionalism, invariance, rule-governance, sacred symbolism, and performance.
Every known human society practices rituals. Weddings, burials, rites of passage, cleansing and atonement rituals, dedication ceremonies, coronation and presidential inaugurations, as well as the worship rituals and sacraments of organized religions and cults, fall under this category. Rituals can also involve commonplace actions like handshakes and greetings.
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Firms suddenly becoming pessimistic about future business prospects is an example of a ______ demand shock, which would shift the AD curve to the ______.
A. negative; left
B. positive; left
C. negative; right
D. positive; right
Answer: A. negative; left
Firms suddenly becoming pessimistic about future business prospects is an example of a negative demand shock, which would shift the AD curve to the left.
A demand shock is a sudden and unexpected event that dramatically increases or decreases demand for a product or service, usually for a short period of time. A positive demand shock is an unexpected increase in demand curve, whereas a negative demand shock is an unexpected decrease in demand. Unexpected changes in the economy will cause the aggregate demand (AD) or short-run aggregate supply (SRAS) curves to shift. Negative shocks lower output and raise unemployment.
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manufacturing facilities have multiple-location-criteria considerations that are primarily centered on customer service and destination. group of answer choices true false
This claim is untrue. Manufacturing facilities do not take into account several geographical criteria that are largely focused on destination and customer service.
What does location management for operations involve?Assessment of the impact of location on consumer purchase decisions is done using the location planning technique. In no two places can the same be said. Despite the fact that this information ought to be obvious, manufacturers and vendors regularly ignore it.
At the national, regional, and site levels, what factors affect location decisions?The most important factors affecting location choices include regional, social, and site-specific factors. A few examples of community elements are standard of living, amenities, attitudes, taxes, regulations pertaining to the environment, utilities, and development assistance.
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an increase in the actual price level does not shift the short-run aggregate supply curve, but an expected increase in the price level shifts the short-run aggregate supply curve to the left. a. true b. false
The statement "An increase in the actual price level does not shift the short-run aggregate supply curve, but an expected increase in the price level shifts the short-run aggregate supply curve to the left." is true.
Give a brief account on the supply curve.The supply curve is a graphical representation of the relationship between the cost of an item or service and the volume supplied over a given period of time. In an example, the quantity given will typically be displayed on the horizontal axis and the price will typically be displayed on the left vertical axis.
The law of supply is represented by a supply curve that slopes upward from left to right as the price of a particular good increases. Remember that this equation calls for price to be the independent variable and quantity to be the dependent variable. Economics is an exception, where the independent variable frequently sits on the horizontal axis, or x-axis.
The supply curve can change depending on a number of variables, such as shifts in production costs such as raw material and labor costs, advancements in technology, the level of competition and the number of sellers/producers, as well as the regulatory and tax environment.
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lei is following the seven pillars of information literacy to work on the report her manager has asked her to prepare. she has no idea where to start. what should she do first?
The seven pillars of information literacy are identify, scope, plan , gather, evaluate, manage and present. hence lei should start to work on report by Investigating what she need to know.
What are the principles of information literacy?Information literacy refers to a set of skills that make it possible for someone to find, analyze, and use information. The five elements of information literacy are finding, evaluating, applying, and acknowledging sources of information.
What is media literacy ?The capacity to access, scrutinize, assess, and produce media in a variety of ways is known as media literacy. Definitions, however, change throughout time, and a more comprehensive definition is now required to place media literacy in the perspective of its significance for preparing students for the media culture of the twenty-first century.
Who is the father of information literacy?One of the pioneering teachers in the United States who introduced explicit media education curricula in schools was John Culkin (1928-1993).
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the requirements of this and any other contractual agreement do not include a. legality. b. practicality. c. capacity. d. consideration.
The necessities of this and some other agreement do now no longer include a.practicality.
The required details about practicality is mentioned in below paragraph.
Something that demonstrates practicality makes suitable sense. If you pick out your new footwear primarily based totally on their practicality, you may possibly purchase a couple of sneakers, as opposed to knee-excessive boots with 5 inch heels.
A person's practicality also can be known as not unusualplace sense, and an item or action's practicality has to do with how green or appropriate it is. The practicality of docs cautiously washing their fingers earlier than surgical treatment is clear, at the same time as the practicality of dressing your canine in a ballerina dress is much less so. The root of practicality is practical, which in flip comes from the Old French word practique, "suit for action."
(COMPLETE QUESTION)
Jennifer Lopez contracts with Harry Styles to have Styles sing at her birthday bash. The requirements of this and any other contract do not include
a.practicality.
b.legality.
c.capacity.
d.consideration.
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research the current status of hsieh's decision to eliminate all managers and to implement holacracy. what have been the benefits? drawbacks?
Tony Hsieh implemented the "Holacracy" management style at Zappos in an effort to foster an inclusive workplace atmosphere.
What advantages does holacracy offer?Holacracy proponents contend that it gives team members the freedom to freely submit ideas, just like in an idea meritocracy. It is achievable due to the autonomy of all employees and their freedom to express ideas they believe would improve the company.
Benefits of drawbacks: what are they?You can uncover solutions to problems that you might not otherwise have explored by using disadvantages as a catalyst to help you evaluate your position from new angles. Benefits may make it difficult for you to see the need to continuously looking for new and more effective ways to pursue success.
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a consumption tax is a tax on a. the amount of income that people spend. b. goods but not on services. c. the amount of income that people earn. d. the amount of income that people save.
A consumption tax is a tax on the amount of income that people earn.
What is a consumption tax, exactly?A tax on the purchase of a commodity or service is known as a consumption tax. Sales taxes, tariffs, excise taxes, and other taxes on consumed products and services are examples of consumption taxes.
Are products and services subject to consumption taxes?How Do Consumption Taxes Work? Consumers often pay consumption taxes directly or indirectly in the form of retail sales taxes, excise taxes, tariffs, value-added taxes (VAT), or income taxes, where all savings are tax-deductible. Consumption taxes are typically levied on the purchase of products and services
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the policies that enabled the high-risk mortgages and financial instruments that caused the 2008 financial crisis reflect a
The policies that enabled the high-risk mortgages and financial instruments that caused the 2008 financial crisis reflect a neoliberal policy.
What serving as a representative of the city category of answer options, what significance does Mourinho have?
He points out the manner in which Morrinho has gained relevance outside the virtual city, particularly as the teenager's manipulation of the city's miniature inhabitants has shed light on the junction of class, power, kinship, identity, the state, and politics.
What particular artistic works did archaeologists find at Blombos Cave in South Africa?Our idea of when our ancestors began using drawings to express themselves has been altered by a discovery uncovered by researchers working in Blombos Cave in South Africa's southern Cape region. On a silcrete (stone) flake, they discovered a cross-hatched drawing that dates back 73 000 years. With an ochre crayon, it was created.
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suppose southeast mutual bank, walls fergo bank, and pjmorton bank all have zero excess reserves. the required reserve ratio is presently set at 20%. hubert, a southeast mutual bank customer, deposits $1,500,000 into his checking account at the local branch.
Answer:45
Explanation:65
The asset reserve T-account and liabilities T-account of the Southeast Mutual Bank will each be debited by $1,500,000.
What are reserves?To comply with central bank standards, financial firms must maintain bank reserves as a minimum amount of cash. The bank is required to retain this actual paper money in a local vault or on deposit with the central bank. Liabilities that appear on the balance sheet are reserves. Reserves are money set aside to cover upcoming obligations.
Journal entry of this transaction will be:
Dr Assets Reserves $1,500,000
Cr Liabilities Deposits $1,500,000
When the bank borrowed $1.5 million, it also increased its cash on hand and liability. The T-liabilities account's side rose by $1,500,000, boosting demand deposits, while the assets side climbed by $1,500,000, increasing bank reserves.
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lola, along with many of her friends, grew up in a very poor country and didn’t attend school. a consumer products company wants to do marketing research in her country and plans to send out a survey. what problem is most likely to hamper the research using this tool?
Using this tool for research illiteracy.
What exactly is research illiteracy?
A person has functional illiteracy when they are unable to use their reading, writing, and math skills for the benefit of both themselves and the community as a whole.Functional illiteracy has a significant negative impact on social and economic development as well as personal growth.
What are the benefits of research literacy?
Research literacy enables us to appropriately educate our patients about the research they uncover, in addition to guiding clinical decision-making.The only way to tell between clinically meaningful and irrelevant results, as well as high-quality studies and low-quality ones, is to be knowledgeable about research.
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as a marketing director at a large company, cara's considering launching a display ads campaign, as it will let her reach global internet users across as many websites and apps as possible. what's another benefit a display ads campaign will provide cara?
If as it will let her reach global internet users across as many websites and apps as possible. The another benefit a display ads campaign will provide cara is: c. It makes it possible for her to engage with valuable audiences quickly and often.
What is marketing?Marketing can be defined as the way of creating brand or product awareness so as to attract customers to a product which in turn can enables a company to make more sales leading to more revenue or profit for the company.
One of the advantage of an display advert campaign is that it makes it possible for company to engage with their audiences quickly and often.
Therefore the correct option is C.
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The complete question is:
as a marketing director at a large company, cara's considering launching a display ads campaign, as it will let her reach global internet users across as many websites and apps as possible. what's another benefit a display ads campaign will provide cara?
a. It can always be used as a Shopping campaign.
b. It allows her to collect statistical usage data from the websites where her ad appears.
c. It makes it possible for her to engage with valuable audiences quickly and often.
d. It can sometimes be used as a Shopping campaign.
when plotting a supply curve the price goes on the horizontal axis. the quantity demanded goes on the vertical axis. the quantity supplied goes on the vertical axis. the quantity supplied goes on the horizontal axis.
When plotting a supply curve option D: the quantity supplied goes on the horizontal axis.
The supply curve illustrates the relationship between the price of an item or service and the volume delivered over a specific time period. In a typical scenario, the quantity supplied will be shown on the horizontal axis and the price will be shown on the left vertical axis. The law of supply is expressed by the supply curve, which rises from left to right: The amount supplied rises as a certain commodity's price rises (all else being equal).
According to this formulation, quantity is the dependent variable and price is the independent variable. Economics is an exception to the general rule that the independent variable appears on the horizontal or x-axis.
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the process of adjustment to actual or expected climate and its effects. in human systems, these strategies seek to moderate or avoid harm or exploit beneficial opportunities. these strategies are referred to as:
These strategies are referred to as:
Mitigation strategies Adaptation strategies Resilience strategies Sustainability strategiesStrategies for Climate Change Mitigation, Adaptation, Resilience, and SustainabilityMitigation strategies refer to actions taken to reduce the severity or impact of climate change. These strategies can include reducing emissions, investing in renewable energy sources, and improving energy efficiency. Adaptation strategies involve actions taken to adapt to the effects of climate change. These can include changes to infrastructure and the environment to reduce vulnerability and build resilience. Resilience strategies are used to build the capacity to respond to and recover from the impacts of climate change. These strategies involve reducing risk and strengthening the ability of communities to cope with the impacts of climate change. They include steps such as early warning systems, contingency planning, and improved access to resources. Sustainability strategies are used to ensure that the environment, economy, and society remain healthy and productive over the long-term. These strategies involve reducing resource use and waste, investing in renewable energy sources, and promoting sustainable development.Learn more about climate change at: https://brainly.com/question/1789619
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home sweet home company orders plywood from georgia products. home sweet home has an or- dering cost of $45. the carrying cost is 20%, and the annual demand is 100 sheets. what do you recommend?
In a situation wherein the home sweet home company has ordering cost $45, and the carrying cost is 20%; annual demand being 100 sheets, then, it can be concluded that the firm should continue its operations in the long run.
The ordering cost can be referred to or considered as the cost incurred by an organization to place one order of raw materials at a given time to make or manufacture its products being sold. If the ordering cost is lesser than the annual demand, then it is beneficial for a firm to continue its regular operations in the long run.
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the cost of capital used to evaluate a project should be the cost of the specific type of financing used to fund that project, i.e., it is the after-tax cost of debt if debt is to be used to finance the project or the cost of equity if the project will be financed with equity.
The following statement "The cost of equity is generally harder to measure than the cost of debt because there is no stated, contractual cost number on which to base the cost of equity" is Correct.
Equity in the context of finance refers to ownership of assets with potential obligations such as debts. For accounting reasons, equity is calculated by deducting liabilities from the value of the assets. A single asset, like a vehicle or house, or an entire company may be covered by equity.
A company that wants to launch or grow its operations might sell stock to raise money that doesn't need to be returned on a predetermined timeline. Assets are referred described as being "underwater" or "upside-down" when the obligations associated to them surpass the value of the asset.
The above question was incomplete, the complete question is-
Which of the following statements is CORRECT? Select one:
a. The cost of capital used to evaluate a project should be the cost of the specific type of financing used to fund that project, i.e., it is the after-tax cost of debt if debt is to be used to finance the project or the cost of equity if the project will be financed with equity.
b. The after-tax cost of debt that should be used as the component cost when calculating the WACC is the average after-tax cost of all the firms outstanding debt.
c. Suppose some of a publicly-traded firms stockholders are not diversified; they hold only the one firms stock. In this case, the CAPM approach will result in an estimated cost of equity that is too low in the sense that if it is used in capital budgeting, projects will be accepted that will reduce the firms intrinsic value.
d. The cost of equity is generally harder to measure than the cost of debt because there is no stated, contractual cost number on which to base the cost of equity.
e. The bond-yield-plus-risk-premium approach is the most sophisticated and objective method for estimating a firms cost of equity capital.
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Big Dog Florists (BDF) just purchased a new delivery truck for $29,000, a light truck. Using MACRS tables for a five-year asset, calculate the following:
The book value at the end of the year 4.
a. $ 5,800.00
b. $ 1,670.40
c. $25,659.20
d. $ 3,340.80
e. $ 5,011.20
Answer:
e. $ 5,011.20
Mobile marketing
Broad set of interactive messages options that are used to communicate through personal mobile devices
Price Comparison
Location Based promotions
Loyalty Programs
Broad set of interactive messages options that are used to communicate through personal mobile devices like price comparison, location based promotions, and loyalty programs is mobile marketing.
Mobile marketing is, in essence, a multi-channel and digital marketing approach that aims to connect with a target audience through websites, emails, SMS, MMS, social media, and other mobile devices like smartphones, tablets, and other portable electronic devices.
As attention has begun to migrate in recent years from desktop to mobile, marketers are following suit in an effort to foster real multichannel engagement. Marketing also grows more dispersed as technology does.
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Standardized agreements to buy or sell a specified amount of currency at a date in the future at a pre-determined price are called_____.
Standardized agreements to buy or sell a specified amount of currency at a date in the future at a pre-determined price are called Future contracts.
What is the purpose of a contract?A contract is a legally binding arrangement between two or more parties. Each party agrees to uphold the rights and obligations set forth in this agreement after it is signed. In essence, a promise forms the foundation of any contract.
What benefits do contracts provide?Well-written contracts have several benefits for you and your business, including clarity in contractual obligations, parties' rights, and business relationships. Avoiding future legal disputes and contract issues. preventing misinterpretations of communications and agreements.
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