Option (d), "none of the above." A conventional loan is not FHA insured, VA guaranteed, or HUD originated.
However, it is important to note that conventional loans may still have their own requirements and guidelines set by the lender or investor providing the loan. It could be explained that a conventional loan is a type of mortgage that is not guaranteed or insured by the federal government. Instead, it is backed by private lenders and investors. This means that the borrower may be required to meet certain credit and income criteria in order to qualify for the loan. Additionally, the lender may require a larger down payment than what is needed for an FHA or VA loan. While conventional loans may not have the same government backing as FHA or VA loans, they can still be a good option for many borrowers, particularly those with good credit and financial stability.
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Describe the benefits that a customer would gain from using your enterprises product/service.
Answer:
Meeting certain requirements and needs. Your product or service could also offer convenience or comfort.
Explanation:
which of the following is an internet job search "do"
a. post your resume without considering privacy
b. pay attention to all directions before responding to job postings
c. assume that email is informal, private , or temporary.
d. take a passive role during your online job search.
Answer:
B
Explanation:
andy plays the violin well ........ the trumpet is his favorite instrument
Which SEO strategy should be undertaken at the start of a campaign?
Select one:
a. Keyword Selection
b. On Page Factors
c. Off Page Factors
d. None of the abov
An SEO strategy campaign is a planned set of actions aimed at enhancing search engine rankings. Here is a step-by-step breakdown on how to carry it out.
What makes up the cornerstone of SEO?Generally, watching what your competitors have done is the greatest place to start. In our Backlinks reports, you may look at all of the backlinks, referring domains, and top-level domains that are crucial to the SEO of your rivals.
What SEO strategies exist?A website's content is categorised using an SEO strategy to increase the likelihood that it will show up in search results. The procedure you use to improve your chances of receiving organic traffic from search engines is essentially what it refers to.
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An organization type that is unlikely to be found in a traditional organization is: Hierarchical Networked Flat Traditional
An organizational structure is a system that defines modalities for certain activities to be directed in order to achieve the goals of an organization. Hence, the one not found is networked.
Defining an Organizational StructureCompanies of of different mangnitudes use organizational structures verily. They define a specific hierarchy within an organization.
A successful organizational structure defines each employee's job and how it fits within the overall system. Summarily, the organizational structure lays out who does what so the company can meet its objectives. it is found in traditional structure.
Network StructureThis type of organizational structure is also known as matrix structure. It is also the most confusing and the least used. This structure networked staff across different superiors, divisions, or departments.
Therefore, the answer is network.
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ou would like to buy shares of coldwater creek, inc. (cwtr). the current ask and bid quotes are $21.00 and $20.96, respectively. you place a market buy order for 300 shares that executes at these quoted prices. how much money did it cost to buy these shares?
Total cost is $6,300.00. To calculate the cost of buying 300 shares of Coldwater Creek, Inc. (CWTR), we need to multiply the number of shares by the purchase price per share.
In this case, the current ask quote is $21.00 and the bid quote is $20.96. Since you placed a market buy order, we can assume that the executed price is either the ask or the bid quote, whichever is higher. Total cost = Number of shares × Purchase price per share
When you place a market buy order, it means you are willing to buy the shares at the current market price. To find the total cost, we multiply the number of shares (300) by the purchase price per share ($21.00), which gives us a total cost of $6,300.00.
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How much is a standard tip?
•10-15 percent
•15-20 percent
•20-25 percent
•25-30 percent
Somebody help me pls
Answer:
yr question is not here???????
What is it that you need help with?
It's probably best to specify that in the question first.
Which of these credit card features would be best for customers who think they might need to use their credit card to borrow money?
A. low fees for balance transfers
B. an annual fee that can be waived
C. a long grace period
D. no fees for cash advances
Answer:
D
Explanation:
took the test
Random variations represent either increasing or decreasing movements over many years due to factors such as population growth, population shifts, cultural changes and income shifts.
Answer:
FALSE
Explanation:
THIS IS THE COMPLETE QUESTION
Trends representing either increasing or decreasing movements over many years due to factors such as population growth, population shifts, cultural changes, and income shifts are a component of a time series called "Random Variations"
Random Variation can be regarded as
tendency of an estimated size/ value of a parameter to undergo deviation randomly away from the real/ true magnitude/ value of the parameter.
Research some examples of organizations that experienced bad publicity and how they dealt with it. Write a paper detailing your findings.
Answer:
did you finish it cuase i got the same one
Explanation:
Admit the error, apologize, and present a solution if you or your company is receiving negative press as a result of anything you did incorrectly. Negative publicity won't disappear if you ignore it.
What do you mean by Negative publicity?When damaging material is revealed, negative PR or publicity can take many different forms in company and can impact everything from sales to your reputation.
Various forms of unfavorable PR for your company could include: negative coverage of your business in the media, online, in publications, or on television.
In particular, we contend that by raising product awareness, unfavorable publicity might boost sales and purchase likelihood.
Negative publicity should therefore affect products differently depending on whether they are recognized or unknown. This viewpoint is supported by three investigations.
Your brand's reputation can be severely damaged in a matter of minutes by false information, negative reviews, and nasty social media remarks. Even worse, rumors spread swiftly and negatively impact the reputation of your company.
Negative publicity can have a significant impact on how potential customers see your brand. When customers publicly disparage a company, product, or service, this is known as bad publicity.
Bad publicity includes posting or publishing negative evaluations on websites, review pages, and social media accounts.
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Everyone Deserves to Smile mobile dentist office budgeted for 4,355 patient visits a year. Everyone Deserves to Smile actually saw 4,500 patients during the year, and they have provided the following data:Fixed Portion for Budget Variable Portion per Patient Visit for Budget Actual ResultsRevenue ______ $71 $410,800Personnel Expenses $70,000 ___ $68,000Medical Supplies _____ $11 $38,400Occupancy Expenses $9,000 $1.50 $19,000Admin Expenses $18,000 $0.75 $19,850Based on the given information, what is the flexible budget variance for revenue?A. $91,300 FavorableB. $91,300 UnfavorableC. $10,295 FavorableD. $10,295 Unfavorable
The answer is (B) $91,300.The flexible budget variance for revenue can be calculated as follows:
Flexible Budget Revenue = (Budgeted variable portion per patient visit * Actual patient visits) + Fixed portion for budget
Flexible Budget Revenue = ($71 * 4,500) + $0
Flexible Budget Revenue = $319,500
Flexible Budget Variance for Revenue = Actual Revenue - Flexible Budget Revenue
Flexible Budget Variance for Revenue = $410,800 - $319,500
Flexible Budget Variance for Revenue = $91,300
Therefore, the answer is (B) $91,300 unfavorable, as the actual revenue exceeded the flexible budget revenue by $91,300.
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I NEED HELP ;((((((
please someone
Q5. For United Africa Company the following projected reports the following operating results for the month of June 30, 2023 availed for analysis. Round all percentage answers to one decimal place.
United Africa Company
CVP projected income statement
For the Month Ended June 30, 2023
Total Per unit
Sales (5000 units ) $600,000 $120
Variable cost 360,000 72
Contribution margin 240,000 48
Total Fixed cost 200,000
Net income 40,000
Instructions:
To increase net income, project management team is considering reducing the selling price by 10%, with no changes to unit variable costs or fixed costs. Project Management team is confident that this change will increase unit sales by 25%. Using the contribution margin technique, compute the break-even point in units and dollars and margin of safety in dollars.
A. Assuming no changes to sales price or costs,
B. Assuming changes to sales price and volume as described above.
C. Assuming change (B) approved, Calculate the number of units that the company must sell to earn operating income of $80,000.
D. Comment on your findings.
Answer:
A. Assuming no changes to sales price or costs:
Break-even point (in units) = Total Fixed Cost / Contribution Margin per unit
Break-even point (in units) = $200,000 / $48 = 4,167 units
Break-even point (in dollars) = Break-even point (in units) x Sales price per unit
Break-even point (in dollars) = 4,167 x $120 = $500,040
Margin of safety (in dollars) = Total Sales - Break-even point (in dollars)
Margin of safety (in dollars) = $600,000 - $500,040 = $99,960
B. Assuming changes to sales price and volume as described above:
New selling price per unit = $120 - (10% of $120) = $108
New sales volume = 5000 x 1.25 = 6250 units
New total sales = New sales volume x New selling price per unit = 6250 x $108 = $675,000
New contribution margin = New total sales - Variable costs = $675,000 - ($72 x 6250) = $270,000
New net income = New contribution margin - Total Fixed costs = $270,000 - $200,000 = $70,000
Break-even point (in units) = Total Fixed Cost / Contribution Margin per unit
Break-even point (in units) = $200,000 / $48 = 4,167 units
Margin of safety (in dollars) = Total Sales - Break-even point (in dollars)
Margin of safety (in dollars) = $675,000 - ($200,000 / 0.6) - $500,040 = $174,960
C. Assuming change (B) approved, Calculate the number of units that the company must sell to earn operating income of $80,000:
Required contribution margin = Total Fixed costs + Operating income
Required contribution margin = $200,000 + $80,000 = $280,000
Required sales revenue = Required contribution margin / Contribution margin ratio
Contribution margin ratio = Contribution margin per unit / Sales price per unit = $48 / $108 = 0.4444
Required sales revenue = $280,000 / 0.4444 = $630,063
Required sales volume = Required sales revenue / Selling price per unit = $630,063 / $108 = 5,834 units
D. Based on the analysis, reducing the selling price by 10% and increasing unit sales by 25% results in an increase in net income from $40,000 to $70,000. The break-even point in units remains the same at 4,167 units, but the break-even point in dollars increases from $500,040 to $525,042. The margin of safety increases from $99,960 to $174,960. To earn operating income of $80,000, the company needs to sell 5,834 units, which is less than the new projected sales volume of 6,250 units. Overall, the proposed changes seem to be beneficial for the company.
You are the manager of a project that has an operating leverage rating of 2.8 and a required return of 14 percent. Due to the current state of the economy, he expects sales to decrease by 7 percent next year. What change should you expect in operating cash flows next year given your sales forecast?
Answer:
The change should you expect in operating cash flows next year would be 19.60%
Explanation:
In order to calculate the change should you expect in operating cash flows next year given your sales forecast we would have to make the following calculation:
change should you expect in operating cash flows=operating leverage rating*percentage of decrease sales next year
change should you expect in operating cash flows=2.8*0.07
change should you expect in operating cash flows=19.60%
The change should you expect in operating cash flows next year would be 19.60%
How different would your life be if there weren't social media platforms? Would your life improve? What would you miss?
Answer:
I think it would improve because then people will be more interactive and social and everyone will be way more kind and I think its just way better in every way be social media is addicting to people. do yee. =)
Answer:
It will improve
Explanation:
Because the the citizen will be more caring to other things. I think there isn't a thing that we would miss
Charitable donations, entertainment expenses, and
financial goals are all examples of...
things to consider when creating a budget.
things that are considered needs.
activities that contribute to overspending.
activities that are necessary for a healthy lifestyle.
Answer: Things to consider when creating a budget.
Explanation: Trust me bro
Giving donations, entertainment costs, and financial goals are all examples of the things to consider when creating a budget. As donation and entertainment expenses can be the measures to control the budgeting.
How making budget is helpful?Budget keeps the person spending tightly accurate to the mark and like to help in saving of the money. It facilitates the person income and expenses equally and shows how much person can spend on the specific thing.
Budget cuts the extra expenses of the person and provide the measurement of spending.
Thus, option A is correct.
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An instrument used to enlarge or reduce a map is known as
Answer:
pantograph
Explanation:
you can use a pantograph to do this.
Type the correct answer in the box. Spell all words correctly.
Which form of marketing do firms use when they market their products to all consumers alike, even when not all of them constitute the target audience?
When firms market their products to all consumers alike, even when not all of them constitute the target audience, they exhibit (___?___) marketing.
Answer:
Outbound Marketing is the correct answer
Explanation:
Answer:
outbound marketing - I just took the test this is correct
Explanation:
A small town in Wyoming has three doctors but only one veterinarian. Apply the appropriate label to each characteristic of a small-town veterinarian that tends to make him a monopolist. Drag each item on the left to its matching item on the right. 1. He is known and liked by all the locals and has negotiated long-term service contracts with the local ranchers. 2. barrier to entry 3. unique service without close substitutes 4. He is the only vet in town. 5. sole seller 6. Medical treatment for animals differs from humans.
The characteristic that makes the veterinarian a monopolist is being the only vet in town. This creates a barrier to entry for any other veterinarians to come in and compete with him.
The characteristic that makes the veterinarian a monopolist is being the only vet in town. This creates a barrier to entry for any other veterinarians to come in and compete with him. Additionally, the veterinarian offers a unique service without close substitutes, as medical treatment for animals differs from that for humans. This means that pet owners in the area have no other option but to use his services. The fact that he is known and liked by all the locals and has negotiated long-term service contracts with the local ranchers also contributes to his monopolistic position. As the sole seller of veterinary services in the town, he can dictate prices and terms of service to his customers. Overall, these characteristics highlight the monopolistic position of the veterinarian in the small town in Wyoming.
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a service was performed for a client with payment due in 30 days what accounts are affected
a) debit Capital, Credit bank
b) debit accounts receivable, credit capital
c) debit Bank, credit accounts receivable
d) credit accounts payable, debit capital
Answer:
b) debit accounts receivable, credit capital
Explanation:
Performing service is part of normal business activities. It generates revenue for the business.
Once a service has been performed, revenue increases. Revenue is an equity account (it increases the owner's equity). An increase to an equity account is recorded by crediting the account.
The payment will be received in 30 days. This is an increase in accounts receivables ( asset account). An increase in assets is recorded as a debit.
Why is it difficult to increase the nation’s supply of goods and services when everyone has a job?
How are subsidies similar to tariffs? Both are types of taxes. Both aim to lower the price of domestic goods. Both are types of tax breaks and financial assistance. Both allow domestic goods to compete against foreign goods.
Both subsidies and tariffs are tools used by governments to influence the trade of goods and services between domestic and foreign producers. Both allow domestic goods to compete against foreign goods is the correct statement. Option D
How are subsidies similar to tariffs?The statement "Both are types of taxes" is not accurate. A subsidy is a financial assistance provided by the government to domestic producers, while a tariff is a tax imposed on imported goods.
Additionally, while subsidies aim to lower the cost of production for domestic producers, tariffs are used to increase the price of foreign goods in order to make domestic goods more competitive. So, while both subsidies and tariffs can be used to promote domestic production and protect domestic industries, they work in different ways.
Therefore, the statement that is most accurate is "Both allow domestic goods to compete against foreign goods."
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Both subsidies and tariffs are tools used by governments to influence the trade of goods and services between domestic and foreign producers. Both allow domestic goods to compete against foreign goods is the correct statement. Option D
How are subsidies similar to tariffs?The statement "Both are types of taxes" is not accurate. A subsidy is a financial assistance provided by the government to domestic producers, while a tariff is a tax imposed on imported goods.
Additionally, while subsidies aim to lower the cost of production for domestic producers, tariffs are used to increase the price of foreign goods in order to make domestic goods more competitive. So, while both subsidies and tariffs can be used to promote domestic production and protect domestic industries, they work in different ways.
Therefore, the statement that is most accurate is "Both allow domestic goods to compete against foreign goods."
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whats the difference between net, gross, and operating profit
NEED HELP ASAP. WILL GIVE BRAINLIEST
How do limited resources affect a nation's decision to engage in international trade?
Answer:
it affects growth and population
Explanation:
what is the importance of knowing how to compute the market share in a business
Answer:
Simply put, market share is a key indicator of a company's competitiveness. When a company increases its market share, this can improve its profitability. This is because as companies increase in size, they too can scale, therefore offering lower prices and limiting their competitors' growth.
You can determine a company's market share by dividing its total sales or revenues by the industry's total sales over a fiscal period.
It's important to calculate and understand market size for several reasons. First, entrepreneurs and organizations can use market sizing to estimate how much profit they could potentially earn from a new business, product or service. This helps decision-makers to decide whether they should invest in it.
Which of the following is not an example of professional behavior
?
A firm is selling two products—chairs and bar stools—each at $60 per unit. Chairs have a variable cost of $30, and bar stools $25. Fixed cost for the firm is $22,000.
If the sales mix is 1:1 (one chair sold for every bar stool sold), what is the break-even point in dollars of sales? In units of chairs and bar stools? (Round your unit answers to a whole number before calculating the breakeven point and round the break-even point to the nearest whole number.)
If the sales mix changes to 1:4 (one chair sold for every four bar stools sold), what is the break-even point in dollars of sales? In units of chairs and bar stools? (Round your unit answers to a whole number before calculating the breakeven point and round the break-even point to the nearest whole number.)
We may use the following formula to get the break-even threshold in sales dollars for the first component of the issue: Fixed expenses / Contribution Margin Ratio = Break-Even Point (in Dollars)
We must take the variable cost per unit from the selling price per unit in order to determine the contribution margin ratio:-
Selling price - variable cost for chairs is $60 - $30 representing a contribution margin per unit of $30.
Selling price - variable cost for bar stools is $60 - $25 yielding a contribution margin per unit of $35.
Using a 1:1 sales mix we can then determine the weighted average contribution margin per unit as follows:
Average contribution margin per unit, weighted, equals (1/2) x $30 + (1/2) x $35, or $32.50.
Now we can include the contribution margin ratio & fixed expenses to the formula:-
$22,000 / 0.5 = $44,000 is the break-even threshold in money.
To calculate the break even point in units of chairs & bar stools, we can use the following formulas:-
Break-even point (units of chairs) = Fixed costs / Contribution margin per unit for chairs = $22,000 / $30 = 733 chairs (rounded up to the nearest whole number)
Break-even point (units of bar stools) = Fixed costs / Contribution margin per unit for bar stools = $22,000 / $35 = 629 bar stools (rounded up to the nearest whole number)
For the second part of the problem, we need to recalculate the contribution margin ratio using the new sales mix of 1:4:-
Contribution margin per unit for chairs = $30
Contribution margin per unit for bar stools = $35 x 4 = $140
Weighted average contribution margin per unit = (1/5) x $30 + (4/5) x $140 = $122
Using the same formula as before, we can calculate the break-even point in sales dollars:-
Break-even point (dollars) = $22,000 / 0.122 = $180,328 (rounded up to the nearest whole number)
To calculate the break-even point in units of chairs & bar stools, we can use the new contribution margin per unit values:-
Break-even point (units of chairs) = $22,000 / $30 = 733 chairs (rounded up to the nearest whole number)
Break-even point (units of bar stools) = $22,000 / $140 = 157 bar stools (rounded up to the nearest whole number)
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A sector is a diversified group of companies.
True or False
Explanation:
A diversified company is a type of company that has multiple unrelated businesses or products. A company may decide to diversify its activities by expanding into markets or products that are related to its current business.
For example, an auto company may diversify by adding a new car model or by expanding into a related market like trucks.
Diversified Industries covers a wide range of sub-sectors including Automotive, Transport & Logistics, Building Materials & Construction, Capital Goods, Business Services, Metals and Oil Field Services. Even the way industrial products are developed, manufactured and commercialized is changing. I would say the answer is True
What type of relationship do a lawyer and a client have?
A) an administrative relationship
B) a labor relationship
C) an agency relationship
D) a tort relationship
Answer:
An Agency relationship but it's D on Edge
Explanation:
The type of relationship a lawyer and a client have is an agency relationship. Thus option (C) is correct.
What is an agency?An agency is a business, firm, or organization that provides a specific service. Sometimes but not always the agencies also work on behalf of another group, business, or person.
Some agencies work for the private sector like an advertising agencies, employment agencies, and travel agencies. Some are government agencies for example they are part of the public sector.
The advertising agencies, add agencies, or creative agencies are firms that focus on creating, planning, and handling advertising. In fact, some employment agencies belong to the government; therefore, they may also be in the public sector.
The type of relationship a lawyer and a client have is an agency relationship. Therefore, option (C) is correct.
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