Answer:
Hello ccraft89!
Based on this qualitative retrospective, I’d say “two can live as cheaply as one” has not been true for us, and it’s even possible that we have increased overall. The saying that “two can live as cheaply as one”—at one time seriously suggested to couples hesitant to marry because of financial concerns—would produce only eye-rolls
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The saying "Two can live as cheaply as one" suggests that living expenses can be shared and reduced when two individuals are living together.
However, in contemporary times, there are several factors that can make it challenging for two people to live as cheaply as one. Here are a few reasons:
1. Housing Costs: Housing is typically one of the largest expenses for individuals or couples. While sharing a living space can help reduce costs compared to living separately, the overall cost of housing remains significant. Rent or mortgage payments, property taxes, utilities, and maintenance expenses are still substantial, regardless of the number of occupants.
2. Individual Expenses: Even when living together, individuals still have their own personal expenses, such as clothing, personal care items, transportation, healthcare, and entertainment. These expenses are separate and can add up, increasing the overall cost of living for a couple compared to an individual.
3. Lifestyle and Preferences: Each person may have different preferences and priorities when it comes to spending money. It can be challenging to align spending habits and find a balance that suits both individuals. Different interests, hobbies, or preferences for dining out, travel, or entertainment can contribute to higher overall expenses.
4. Inflation and Cost of Living: Over time, the cost of goods and services tends to increase due to inflation and changes in the economy. This can impact the overall cost of living for both individuals and couples. Expenses such as groceries, healthcare, education, and transportation may rise, making it more difficult for two people to live as cheaply as one.
5. Financial Responsibilities: Couples may have shared financial responsibilities, such as joint bills, debt obligations, or family commitments, that can increase the overall cost of living compared to an individual. These responsibilities can include supporting children, caring for aging parents, or other financial commitments that require additional resources.
While living together can certainly provide some cost savings through shared expenses, various factors contribute to the overall cost of living for both individuals and couples. The saying "Two can live as cheaply as one" may not hold true in modern times due to these factors and the complexities of managing individual and shared expenses.
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joe has cash in a savings account totaling $7,500, and his monthly expenses are $2,500. what is his emergency fund ratio?
Based on the information given his emergency fund ratio is 3.
Using this formula
Emergency fund ratio=Amount saved/Monthly expenses
Where:
Amount saved=$7,500
Monthly expenses=$2,500
Let plug in the formula
Emergency fund ratio=$7,500/$2,500
Emergency fund ratio=3
Inconclusion his emergency fund ratio is 3.
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The fundamental problem with the option ARM loan, as most commonly used, was that it created a rapid increase in the:
Based on loan and credit analysis, the fundamental problem with the option ARM loan, as most commonly used, was that it created a rapid increase in monthly payments.
This situation is often described as payment shock risk.
In this option ARM loan, the monthly payments increase based on many reasons like unscheduled recast when a negative amortization limit is attained.
Hence, in this case, it is concluded that the correct answer is "monthly payments."
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what characterizes a market with oligopolistic competition?
It is an oligopolistic market if it has the following:
- Few number of competitors (economy is shared through a few number of businesses/companies)
- The absence of other competitors besides the dominating ones
- If those few companies have a significant impact on the market (can increase price easily)
in preparing the operating activities section of a statement of cash flows using the indirect method, net income should be adjusted for
Answer: Loss from sale of asset. Gain from sale of asset. Depreciation expense
Net income should be adjusted for Loss from sale of asset, Gain from sale of asset, Depreciation expense, etc
The following information should be considered:
Operating activities deals with the day to day activities. It records the change in the current assets and current liabilities. The net income could be adjusted for depreciation expense, profit or loss for sale of an asset.Therefore we can conclude that Net income should be adjusted for Loss from sale of asset, Gain from sale of asset, Depreciation expense, etc
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Grace wishes to buy a corporate bond with a par value of $1,000 from SFT Legal. If Grace’s broker charges her a commission of 4% of the market value of each bond, and SFT Legal has a market rate of 103. 563, how much commission does Grace owe her broker? a. $107. 56 b. $41. 43 c. $40. 00 d. $44. 14.
Answer:
Answer is b
Explanation:
4×100=400
since it is in percentage
400×103.563=41.43
The term that Faber and Kimelberg use to describe the rise in land value and the possible displacement of poor and minority populations from an area as environmental amenities are added is:
Environmental gentrification is the term that was used to illustrate the rise in land value as well as removal of poor and minority populations away as provision of environmental amenities is made by Faber and Kimelberg.
Environmental gentrification can be regarded aa the process involves displacement of low-income residents from a region as environmental amenities are added.This was explaining by Faber and Kimelberg , that once there is rise in land value , there us high possibility of displacement of the poor.Therefore,Environmental gentrification is the correct term.
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What factors make capital appreciation bonds (CABs) a controversial method for local governments to finance projects
The factors that make capital appreciation bonds (CABs) a controversial method for local governments to finance projects include "Local governments tend to owe investors way above the amount borrowed."
Another factor that makes capital appreciation bonds (CABs) a controversial method for local governments to finance projects is that they enable local governments to fund new projects without raising taxes.
Capital appreciation bonds (CABs) is often described as a form of municipal security whereby its interest on principal rises and compounds until maturity.
Capital appreciation bonds (CABs) allows investor earns a sole payment indicating the face value of the bond and all accrued interest.
Hence, in this case, it is concluded that Capital appreciation bonds (CABs) are a controversial method of financing projects.
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Free trade areas that have a common external trade policy, but don't allow for the free movement of people and capital are called
Answer:
common markets
Explanation:
A ________ pools individual investor dollars and invests them in large numbers of well-diversified securities, thus minimizing the risks of any single security that does not do well.
Funds which involves a large collection of individual investors coming together to invest in a number of different securities is called mutual fund.
Mutual funds involves many individual investors, and not just a single person or organization. This allows the funds available for investment to be substantial, and then invested into a host of different and diverse securities. This will ensure that risk is minimized as all the securities very low chances of not yielding return.Hence, the missing phrase is mutual funds.
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costs incurred internally to create intangibles are
Answer:
Explanation:
Businesses often invest to have a multitude of sources, such as: definite land use rights, computer software, patents, copyrights, fishing licenses, export quotas, limits, etc. import regulations, decentralization, business relationships with customers or suppliers, customer loyalty, market share and marketing rights…
Q, whose birthday is April 1, completed a nonmedical application for life insurance on June 1. In Wisconsin, what is the earliest effective date that the policy could have
Answer:
nbhjsfhbshnvnk
Explanation:
when making a decision only ______ costs and benefits should to be included in the analysis.
If there are not enough jobs for everyone in the economy/the demand for jobs are higher than
the amount of jobs available
A. Cyclical Employment
B. Frictional Employment
C. Structural Employment
Involuntary unemployment which is caused by the economic health of a country, such that the amount of jobs available cannot cater for the number of populees is called cyclic unemployment.
Cyclic unemployment is usually attributed to the strength of the economy, when the number of jobs available cannot accomodate the demand. This is usually witnessed during period of recession and economic decline. Structural unemployment result from the difference in skill gaps of the employees and the skill demand of a job. Frictional unemployment result from the job change and hence are tagged as voluntary.Learn more : https://brainly.com/question/25695175
When a company guarantees the payment of debt owed by a supplier, customer or another company, the guarantor usually discloses the guarantee as a
Answer:
Contingent
Explanation:
Under corporate guarantee, company promises that a client, supplier, or other entity will pay a debt, the guarantor typically identifies the guarantee as a contingent guarantee.
What is corporate guarantee?A corporate guarantee is a contract between a borrower, lender, and guarantor wherein, in the event that the borrower files for bankruptcy, an outside insurance firm assures entire responsibility for the repayment of the loan.
A deed of guarantee and indemnification is a sort of legally enforceable agreement in which a third party agrees to carry out the obligations of another party. It is contingent in nature treated as out of balance sheet item.
Therefore there is only a probable obligation on the company to pay off the debts of principal debtor which is contingent in nature.\
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Complete the statement below with the correct term.
Digital ____ refers to a set of standards for polite behavior when interacting with people online.
Answer:
a0
Explanation:
a0 allows for a user to find, search, and to evaluate information that is related to any digital resources
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what is a significant difference between two-way and one-way models of public relations?
The main difference between two-way and one-way models of public relations is that in a one-way model of public relations, the people only need to receive the message while the two-way involves receiving and sending feedback.
It should be noted that the one-way models of public relations involve the use of a single key such that people only receive the message.
On the other hand, the two-way model of public relations involves receiving and sending feedback. It is persuasive communication that's used to influence the attitude of people.
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Stevie recently received 1,000 shares of restricted stock from her employer, Nicks Corporation, when the share price was $8 per share. Stevie's restricted shares vested three years later when the market price was $11. Stevie held the shares for a little more than a year and sold them when the market price was $16. What is the amount of Stevie's ordinary income with respect to the restricted stock?
A. $0.
B. $11,000.
C. $5,000.
D. $8,000
Answer:
It's D - $8,000
Explanation:
8 * 1,000 = 8,000
Advantages of budgeting include ______. Multiple select question. providing benchmarks for evaluating performance forcing managers to think about and plan for the future promoting cooperation and coordination among different areas within the organization providing each department with the same amount of money to spend, so all are treated fairly providing lead time to solve potential problems
Advantages that can be associated with Budgeting are:
forcing managers to think about and plan for the future
- promoting cooperation and coordination among different areas within the organization
- providing benchmarks for evaluating performance
- providing lead time to solve potential problems.
Budgeting can be regarded as a process involving a creation of a plan to spend your money. It helps the manager think about the future in terms of our finance and give a benchmarks for evaluating performance.Therefore, Budgeting helps in how to spend our money.
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a project has an initial cost of $52,700 and a market value of $61,800. what is the difference between these two values called?
The difference between the initial cost and the market value is called Net present value.
Net present value refers to the value of the all future cash flows of an asset which are discounted to the present.
In other word, net present value is the difference between PV of cash inflows and PV of cash outflows.
Therefore, in conclusion, the difference between the initial cost and the market value is called Net present value.
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The difference between the initial cost and the market value is called Net present value.
The information regarding the net present value is as follows:
The net present value shows the difference between the initial investment and the present value of cash inflows. Since the initial cost is $52,700 and the market value is $61,800 so the difference is the net present value.Therefore we can conclude that the difference between the initial cost and the market value is called Net present value.
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A _____ is a retirement program in which employees are promised a pension amount based on age and years of service.
Defined Benefit Plan or a pension plan
Identify the market structure that most accurately describes the context in which each good or service is sold. retail clothing
Market structure refers to the categorization of firms according to the types of goods they sell and their methods of operation. Given the question, the market structure that describes retail clothing is
Monopolistic CompetitionMonopolistic Competition is that where there are different firms selling similar things that are not particularly, exact.
It is easy to start up this sort of business because there are not so many barriers to entry.
Also, competitors are independent because the decision of one does not affect the others. Retail clothing is an example.
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Why did the length of time required to develop an administrative rule grow from an average of 15 months to an average of more than 35 months over the last four decades
Considering the bureaucratic regulations, the length of time required to develop an administrative rule grew from an average of 15 months to an average of more than 35 months over the last four decades because "it takes a lot of procedures before a conclusion is made."
This is because currently, there is a need to make new procedures that require more public notice.
Also, the administrative rules such as environmental impact statements will have to go through more public hearings, additional cost-benefit analysis, and pass stronger legal obligations.
An administrative rule is made to ensure that certain activities will have no unacceptably large negative consequence on the human or physical environment.
Hence, in this case, it is concluded that making an administrative rule takes a lot of procedures before a conclusion is made.
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Question #4
Generally, when receiving a business card from an international
business person you should:
O Set the card aside so you can study it later.
O Thank the person for giving you their card.
O Immediately place the card in your pocket.
O Carefully review the card and then put it in a special place.
Generally, when receiving a business card from an international business person, you should B. Thank the person for giving you their card.
Expressing gratitude remains the first courtesy practice in any business meeting, much more an international business meeting.
After expressing gratitude for the card, you can later study and thoroughly review it before putting it in your international cardholder.
Thus, the first reaction after receiving a business card from an international business person is Option B.
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The ________ value of a bond, also called the face amount or face value, is paid at a stated future date, known as the bond's maturity date. Multiple choice question. fair market value par selling price net realizable value
The Par Value of a bond also called face amount or face value.
Par Value can also be called Nominal value is the financial instrument value be it bond or stock of a corporate certificate at the time of issue.Par value is also the lowest price per share for shares to be issued for full payout .Typically, most par value are set at $0.001 per shar or lower to reduce the amount paid to founders. It is calculated as Par value of preferred stock = (Number of issued shares) x (Par value per share)
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When a firm finances new investments, it may set up accounts payable with suppliers, but the balance that the firm must supply is called the investment in net capital.
When firm finances new investments, then set up accounts payable with suppliers, in which the balance that the firm must supply is called the investment in net "Working" capital.
This is because investment in net working capital is when the capital remains when the current liabilities are removed from the current assets.
The net working capital can be any of the cash, accounts receivable, inventory, and short-term investments or a combination of any of these elements.
The net working capital can be used to pay debts or invest in the growth of the company.
Hence, in this case, it is concluded that the correct answer is "Net Working Capital."
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Glenn works for a company that supplies food to restaurants. Where does Glenn MOST likely work?
O A.
at a packaging facility
OB.
at a retailer
OC.
at a wholesaler
D.
at a distributor
Based on the information given Glenn MOST likely work: D. at a distributor.
A distributor is a person or representative that supply goods or products by helping to distribute goods to were they are needed.
They mostly purchased goods in large amount from the manufacturer or producer and they supply those goods to the retailers.
Based on the given scenario we can say that Glenn work with a distributor reason being that he help to supply or distribute foods to restaurant.
Inconclusion Glenn MOST likely work: D. at a distributor.
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suppose the federal government attempts to combat a recession by purchasing a new fleet of warships for the navy produced by a us manufacturer. what type of economic policy is the government conducting?
The type of economic policy conducted by the government is known as an expansionary fiscal policy.
A recession is when the gross domestic product of a country for two consecutive quarters is negative. In a period of recession, there is a slowdown in the economy.
Expansionary fiscal policy is are steps taken by the government of a country to increase the money supply in the economy. Money supply can be increased by increasing government spending or cutting tax rates.
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At a recent soccer tournament, a local beer distributor gave free coolers to all adults with a paid admission. What is this an example of
Answer:
Sales promotion
Explanation:
At a recent soccer tournament, a local beer distributor gave free coolers to all adults with a paid admission is sales promotion mix activity.
What is Promotion mix?To accomplish a certain marketing objective, a promotional mix combines marketing strategies such as direct marketing, sales, public relations, and advertising.
Public relations, personal selling, sales promotion, and advertising make up the promotion mix's four main components.
Whereas a transitory campaign or offer is used by a company as part of a sales promotion to raise interest or demand in its product or service. A company may decide to utilize a sales promotion (or "promo") for a variety of reasons, but the main one is to increase sales.
Thus local beer distributor use sales promotion mix strategy.
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In which two places is aggregate generally found? floodplains and alluvial fans alluvial fans and mines mines and beneath the topsoil beneath the topsoil and above the topsoil.
Answer:its A
Explanation:
i just took the test
Aggregate is typically found in floodplains and grassy fans. Therefore, option A is correct.
How are aggregates formed?Deposition of particles, including soil, silt, rocks, stones, and pebbles, results in the formation of an aggregate. They are deposited due to erosion and withering, two natural processes. Sediment accumulation will take place over the flood-prone area in floodplains.
When water runs across a mountain valley, soil, silt, and gravel aggregates are dumped in grassy fans. The aggregate of soil, rocks, and other materials is removed during mining to acquire minerals.
Underground physical, chemical, and biological activity results in the formation of soil aggregates. Human actions like tilling, stepping on the ground, or fertilising your garden might affect them. Finer soil primary particles join together to form aggregates first.
Sand, silt, and clay are the three basic constituents of soil. As they are known to soil scientists, aggregates can be formed from these particles.
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what is postulated to have caused a sudden inflation of the early universe?
Statement that explains the postulation that caused a sudden inflation of the early universe is:
The energy released from the "freezing out" of the strong force from the GUT force.Towards the end of that era, there was a grand unified theories that predicted that there was a freezing out of the nuclear strong force due to the extreme cooling of the universe.This is considered as the sudden inflation of the early universe.
Therefore, freezing out" of the strong force from the GUT force is the correct answer.
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