A mortgage lender is a mortgage banker operating as a correspondent lender who establishes a line of credit with commercial banks.
What is mortgage lender?A mortgage lender serves as a financial institution which offers and underwrites home loans.
These mortgage Lenders posses some specific borrowing guidelines and they do establishes a line of credit with commercial banks.
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Develop a training budget assuming that the trainer is paid $140 per hour, that 8 hours are needed to develop training materials, and that the 5 workers earn $18 per hour including overhead. Present the alternatives in memo form to the business owner, and identify any additional information that should be taken into account when choosing between the two training schedules
The budget for training can be developed for the five workers as explained below:
What is Budget?A budget is the calculation or prediction of the cashflows expected to occur in the next period, there are many types of budgets for example, cash budget, sales budget and expense budget.
The budget for the given scenario is calculated as follows.
The trainer will take $140 per hour and training requires 8 hours
$140 * 8hrs = $1,120.
While the workers earn $18 per hour and there are 5 workers, this is a sunk cost as the employees will be paid whether they attend the training or not but while in the training the workers will not be contributing towards the earnings of the company so this will be considered as an expense.
$18 * 5 workers * 8 hrs = $720.
Adding the two expenses provide $1,840 ($1,120 + $720)
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In 1970, ______ percent of Americans were considered middle-class (with household incomes between two-thirds to two times the national median income) whereas only ______ percent fell into that category by 2015.
In 1970, 62 percent of Americans were considered middle-class (with household incomes between two-thirds to two times the national median income) whereas only 50 percent fell into that category by 2015.
What is the middle class?The middle class is one of the social classes in an economy.
The middle class is described as belonging to "households whose annual incomes are not less than two-thirds to double the U.S. median household income."
In the middle class, we find professional and business people and their families. It is the most critical class in an economy.
Thus, research shows that the middle class has been shrinking since the 1970s.
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In ________ teams, there is an expectation of increased productivity and quality of work life because employees are delegated greater authority and granted increased autonomy.
In self managed teams, there is an expectation of increased productivity and quality of work life because employees are delegated greater authority and granted increased autonomy.
What is self managed team?Self-managed team includes group of people a that work together to render a service or to sell and produce a good.
They do not work under any manage or require managerial supervision.
Therefore, In self managed teams, there is an expectation of increased productivity and quality of work life because employees are delegated greater authority and granted increased autonomy.
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Jones Company signed a 5-year note payable on January 1, 2019, of $100,000. The note requires annual principal payments each December 31 of $20,000 plus interest of 5%. The entry to record the annual payment on December 31, 2020, includes:
The entry to record the annual payment on December 31, 2020, by Jones Company is as follows:
Debit Note Payable $15,000
Debit Interest Expense $5,000
Credit Cash $20,000
How do you record annual payments?Annual payments can be recorded by debiting the accounts that receive the value and crediting the account that gives value as above.
Data Analysis:Note Payable = $100,000
Maturity period = 5 years
Date of Issuance = January 1, 2019
Principal repayment plus interest = December 31
Interest rate = 5%
Annual Interest in dollars = $5,000 ($100,000 x 5%)
Note Payable $15,000 Interest Expense $5,000 Cash $20,000
Thus, the entry to record the annual payment on December 31, 2020, by Jones Company is debits to Note Payable ($15,000) and Interest expense ($5,000), and a credit to Cash account ($20,000).
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Select the type of job best demonstrated in each example.
Jaime works for twenty hours per week as a Food Science Technician.
Solomon's company provides health insurance for him.
Charity is hired as a Mathematician by an employer that requires she have a doctoral degree.
Beth is paid a different amount every week, depending on how much she works.
The type of job that is demonstrated in each example is: Jamie does a part-time job, Solomon is working in a job with benefits, Charity is hired with paid/salaried employment and Beth works mostly on an hourly basis.
What is a job?Job is defined as work, especially a particular undertaking carried out within the framework of the usual profession or at an agreed price.
For example, She gave him the task of mowing the lawn. a put up of employment; full-time or part-time position: She turned into searching for a task as an editor.
Thus, The type of job that is demonstrated in each example is discussed above.
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the team-role which is likely to demonstrate such positive qualities as strategic vision and accurate judgement but may also be overly critical is:
Monitor Evaluator demonstrate positive qualities as strategic vision and accurate judgement but may also be overly critical.
Who is a Monitor Evaluator?Monitor Evaluator serves as one that Provides a logical eye which helps in making impartial judgements in a team.
Therefore, Monitor Evaluator weighs up the team's options in a dispassionate way.
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In which city were the world trade center towers located?.
Ensuring that policies and procedures facilitate good strategy implementation and execution is an important managerial task because\
In managerial task, policies and procedures help to facilitate good strategy implementation and execution because they place boundaries on independent behavior.
Who is a manager?A manager can be defined as an individual who has been trained to provide guidance, support, administrative control, and supervision to the employees who are working in a business organization, especially by being morally upright, well behaved and promoting the business's vison, culture, and values at all times.
As a managerial task, a manager should develop policies and procedures so as to facilitate good strategy implementation and execution because they place boundaries on independent behavior while providing a top-down guidance on how certain things should be done in a business organization.
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Money you will need in the next 5 years should be invested in what?.
Answer:
Savings
Explanation:
Have a good day.
Jim had a very good quarter at his car lot with net sales reaching just over $456,000. this created a net income of $195,000. if jim's operating expenses last quarter were $23,000, what was his gross profit margin? a. 5.0% b. 37.7% c. 42.8% d. 47.8% please select the best answer from the choices provided a b c d
The gross profit margin of Jim given the net income and the net sales is 42.8%.
What is the gross profit margin?Gross profit margin is an example of a profitability ratio. Profitability ratios measures the efficiency with which a company generates profit from its asset.
Gross profit margin = gross profit / net sales
195,000 / 456,000 = 42.8%
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Answer:
c
Explanation:
Give two examples of products sold in perfectly competitive markets and two examples of products sold in monopolistically competitive markets.
Apples and oranges are perfectly competitive products, while Ralph Lauren cologne and Maybelline cosmetics are monopolistically competitive products.
Perfectly Competitive Markets and Monopolistically Competitive MarketsA perfectly competitive can be described as a market in which there are many buyers and sellers, no transaction costs, no barriers to entry and leave, homogeneous products, no market control by a single firm, and perfect information about the price of a good.
Two examples of products sold in perfectly competitive markets are Apples and oranges.
A monopolistically competitive market is one in which several producers compete against one another, yet sell items that differ from one another and are thus not perfect substitutes.
Two examples of products sold in monopolistically competitive markets are Ralph Lauren cologne and Maybelline cosmetics.
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The company or person who has information to convey is the ______ in the marketing communication process.
The source is the company or person who has information to convey in the marketing communication process.
What is marketing communication process?Marketing process refers to the procedure of creating awareness towards consumers that their product exist. The ultimate goal of any marketing communication is to drive the receiver to action.
The next step is to convince potential buyers that they will receive good value if they decide to spend their money on the company's product or services.
Hence, the source is the company or person who has information to convey in the marketing communication process.
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To make this proprietary information available to sales reps to share with customers concerns Thad because of the risk of information getting to his company's competitors. What would theoretically protect the information in this scenario
The non-disclosure agreement is an arrangement that prevent any information available to sales representative to be shared to the company's competitor through the customers.
What is a non disclosure agreement?This is an agreement made in a contract that establishes a confidential relationship between the contracting parties.
In the contract, the party signs that any sensitive information they obtain will not be made available to any others.
Therefore, the agreement is what prevent leak of information to the company's competitors.
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What is a risk management strategy you could use to protect your home?.
Risk management strategy I could use to protect my home is buying a home security system.
What is risk management strategy?A risk management strategy serves as one that provides a structured and coherent approach to management of risk.
As regards risk management at home, installation of home security system is a way to maintain risk.
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When Dunkin’ Donuts participates in National Donut Day by giving away a free classic donut, it is using which channel of IMC strategy?
When Dunkin’ Donuts participates in National Donut Day by giving away a free classic donut, it is using which channel of IMC strategy?
⇒ public relation advertising
Hope that helps!
A project's IRR is independent of the firm's cost of capital. In other words, a project's IRR doesn't change with a change in the firm's cost of capital.
A. True
B. False
A project's IRR doesn't change with a change in the firm's cost of capital. This is true.
What is IRR?
IRR stand for the Internal rate of return. The internal rate of return is the discount rate that equates the after-tax cash flows from an investment to the amount invested.
The cost of capital is not used in calculating the IRR.
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Which ad format is available on a Smart Shopping campaign but not a Standard Shopping campaign? certification
Certification campaign is the ad format is available on a Smart Shopping campaign but not a Standard Shopping campaign.
What is certification campaign?This certification campaign serves as a subtype campaign that combines Standard Shopping and display remarketing campaigns.
This type of.l campaign uses automated bidding and ad placement to promote your products.
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When a primary dealer sells a government bond to the Federal Reserve, reserves in the banking system ________ and the monetary base ________, everything else held constant.
When a primary dealer sells a government bond to the Federal Reserve, reserves in the banking system increase and the monetary base increase, everything else held constant.
What happens when a primary dealer sells a government bond to the Federal Reserve?When a primary dealer sells a government bond to the Federal Reserve, it is known as an expansionary monetary policy. An expansionary monetary policy is a policy that increases the money supply in the economy.
An expansionary monetary policy can either be :
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Naomi is an entrepreneur of skin care products specializing in face mask. She just started the business and plans to sell only withing her city. If you are Naomi, which pricing strategy do you think would best fit for the product and what distribution channel would you choose?
The valued pricing strategy is the best pricing strategy and the Direct selling is the best distribution channel for the skin care products.
What is a pricing strategy?It refers to the method that is used to establish the best price for a product or service.
The valued pricing strategy will help her fix the best price that is proportionate to the value of the Skin care product while the direct selling will connect her directly to her client.
Therefore, the word "valued pricing strategy" and "direct selling" is correct.
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Jackie and Carolyn are working together to develop the operating budgets. If Jackie is working on the direct materials budget and Carolyn is working on the direct labor budget, what common information will they both need to complete their budgets
The common information will they both need to complete their budgets is The direct materials budget which direct labor budget includes the number of units to be produced, the expected labor hours required per unit, and the expected hourly wage rate.
How to calculate the material budget directly?Direct labor budgets are usually presented monthly or quarterly. The basic budget calculation is to import the number of production units from the production budget and multiply it by the standard number of hours worked for each unit.
To calculate this in units, apply another simple formula. Budget production level for period x. units of direct material required for each unit =
direct material of units required for production.
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Xavier is developing a media plan to derive maximum results from his media expenditures. Xavier is using _______ to go beyond human ability to make media decisions by matching the target audience to the right media selection for an effective plan.
Based on the fact that Xavier is using a media plan and want so get the best results, he makes use of artificial intelligence to make the best decisions.
What is Artificial Intelligence?This refers to the use of computer systems that are able to perform tasks without human command such as speech recognition, decision-making, etc.
Hence, because we are told that Xavier is going beyond human ability with his media decisions to control his expenditures, we can infer that he is making use of artificial intelligence.
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The more money you invest in a 401k the ___ you will have when you retire
A. More time
B. More money
C. Less time
D. Less money
The more money a person invest in a 401k, the more money he will have when he retires.
What is 401k?A 401(k) plan is a defined-contribution pension account sponsored by an employer and defined in section 401(k) of the Internal Revenue Code. This is the plan of the United States.
Employee money is deducted directly from their paycheck, and the company may match it. Traditional 401(k)s and Roth 401(k)s are the two varieties (k).
Here the employee receive more money when he retires, and before that he will have to invest more in 401k plan.
Therefore, the employee should have invested more to receive more money at the time of his retirement.
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People had been expecting the price level to be 120 but it turns out to be 122. In response Robinson Tire Company increases the number of workers it employs. What could explain this
The sticky price theory and sticky wage theory is the best explanation why the price level is 122 instaed of 120 with more employment.
What is the sticky price theory?This is the theory that teaches that the sellers of goods and services are reluctant to change their prices.
They are reluctant to change prices even though there may be changes in the cost of inputs used in production.
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Expansionary fiscal policy involves a. increasing taxes or decreasing government purchases. b. increasing the money supply and decreasing interest rates. c. decreasing the money supply and increasing interest rates. d. increasing government purchases or decreasing taxes.
In Economics, expansionary fiscal policy involves: B. increasing the money supply and decreasing interest rates.
The types of fiscal policy.Generally, there are two (2) main types of fiscal (monetary) policy that are used across the world and these include the following:
Contractionary fiscal policy.Expansionary fiscal policy.In economics, an expansionary fiscal (monetary) policy is a type of policy that involves an increase in money supply while decreasing interest rates. Thus, it can be used by the government to increase the amount of credits that is available within a particular country's economy and at a specific period of time.
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You are troubleshooting a wireless token ring network and use the network's beaconing feature to try to repair the problem. However, once this process finishes, you still have connection issues. What are two potential problems that could be causing the issue? (2 points)
Answer:
I think using a different feature other than the beaconing feature, like clearing the interface privileged exec command to reset the Token Ring interface and reinsert the router into the ring. and another way is to the open lobe fault message appears on the console at system power-up, check the cable connection to the MAU.
Explanation:
My suggestion is to reset the Token Ring interface and re-insert the router into the ring using a function other than the beaconing capability, such as clearing the interface privileged exec command. Another method is to examine the cable connection to the MAU if the open lobe fault notice shows on the console upon system power-up.
What is WTRP-Wireless Token Ring Protocol?A medium access control (MAC) protocol for wireless networks is called WTRP (Wireless Token Ring Protocol). In wireless networks, the MAC protocol is crucial for allowing mobile stations to share a single broadcast channel. Due to concealed terminals, a partly linked network design, and random access, the congestion across stations in an IEEE 802.11 network is not uniform.
Quality of service (QoS) is therefore not offered. Bounded latency and reserved bandwidth, which are essential real-time limitations for the applications, are supported by WTRP in terms of assured QoS. WTRP is effective in that it lessens the frequency of retransmissions brought on by accidents. The fact that each station uses the channel for the same length of time makes it fair.
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In which type of document do compensation professionals represent the selection and implementation of pay level and pay mix policies over a specified time period, usually one year
The type of document that compensation professionals use for the selection and implementation of pay level is: Compensation plan.
What is compensation plan?A compensation plan can be defined as the type of document in which details of an employee wages including salaries and benefit are included in document over a particular period of time.
Most companies tend to make use of compensation plan so as to have full details of their employee salary package.
Inconclusion the type of document that compensation professionals use for the selection and implementation of pay level is: Compensation plan.
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How has the free enterprise system contributed to technological innovation?.
Technological innovation has been contributed to by the free enterprise system because people came up with new technologies knowing that they could profit from them.
How has free enterprise driven technological innovation?The free enterprise system encourages people to go into business and make profit with minimal government interference in their affairs.
This encouraged people to come up with new innovations because they know that they can profit from these for themselves instead of worrying about the government taking their hard earned profit.
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Dole Food Company uses a(n) __________ brand to market the company's entire line of food products, including canned fruits, and packaged salads.
Dole Food Company uses a family brand to market the company's entire line of food products, including canned fruits, and packaged salads.
What do you mean by family brand?A family brand is considered as a brand for the products in one or more product lines.
Dole Food Company is an American - Irish agricultural multinational corporation headquartered in Ireland.
The company is the largest producer of fruit and vegetables in the world, operating with 74,300 full-time and seasonal employees who are responsible for over 300 products in 90 countries
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All things being equal, when producers sell goods for a lower price, they make:
A. The same amount of money.
B. Less Money.
C. As much money as the law allows.
D. More money.
Answer:
B) Less Money.
Explanation:
Producers will make less money because they are selling a product for less.
Last year, diana’s boss promised her a big bonus if she met her goals. At the end of the year, after diana had exceeded her goals, she found her bonus was very small. In the future, diana’s _____ will probably be ____.
Answer:
Brainliest pls
Explanation:
instrumentality; low