since 2002, a real estate broker has had an understanding with two of the five mortgage lenders in town. the broker recommends only those two lenders to clients and does not tell clients about any other lenders. in return, the recommended lenders pay for the vacations the broker offers sales associates as rewards for high performance. based on these facts, which of these statements is true?

Answers

Answer 1

D. The broker's arrangement with the lenders is an illegal kickback under RESPA.

What is lenders ?

A lender is a person, a group (public or private), or a financial organization that provides money to a person or business with the expectation that the money will be paid back. Any interest or fees must be paid as part of the repayment.

Repayment can take place in installments (like a monthly mortgage payment) or as a lump sum. A mortgage is one of the biggest loans that customers obtain from lenders.

A lender is anyone who makes money accessible to a person or company with the idea that they will pay them back, whether they are an individual, a public or private organization, or a financial institution.

Repayment involves paying any interest or fees.

Repayment may take place in lump sums (like a monthly mortgage payment)

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Related Questions

what is referred to a process that involves developed action plan that leads to achieving specific goals​

Answers

Answer:

The appropriate approach is "Developing strategic plan ".

Explanation:

Knowing what it does and reevaluating it to ensure that it is the leading northern star for certain activities seems to be the secret to creating a successful strategic planning strategy. This strategy includes defining the intent, strategies, and procedures of an organization which would be used to achieve those objectives. As such, this strategy seems to be an important aspect of the operation of an organization, even though it is necessary to undertake the process of designing the schedule with serious thought and thoroughness.

Goal setting is the process which involves developed action plan.

Let understand that "Goal setting "involves drawing an action plan in order to motivate and guide a person or group toward a goal.

Setting a deadline for a goal create a schedule to achieve the particular goal.

Some benefit of goal setting in an organisation includes:

Goals provides Motivation because energy are directed for accomplishment of the task.Its provides a dedicated direction for the company.Goal setting result to sense of personal satisfaction.Its bring forth clear focus on what is important.Its brings Clarity in Decision Making in a company.New goals become part of an organisation purpose of existence.

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jane believes that adhering to laws and statutes will make her chemical manufacturing company both ethical and socially responsible. her company makes business decisions simply to avoid breaking the law. which theory of corporate social responsibility does jane most likely follow?

Answers

The theory of corporate social responsibility that Jane most likely follow is known as the government hand theory.

What is the corporate social responsibility?

It refers to the management concept whereby most companies integrate their social and environmental concerns in their business operations and interactions with their stakeholders.

The categories of corporate social responsibility includes:

Environmental ResponsibilityEthical ResponsibilityPhilanthropic ResponsibilityEconomic Responsibility.

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If a small municipal government buys $5,000 worth of business supplies, spends $55,000 to hire an administrator, and spends $26,000 for a new automobile used by the administrator, this municipal government's contribution to GDP is: Group of answer choices $0. $55,000. $60,000. $86,000

Answers

Answer:

$86,000

Explanation:

Since the government is hiring a worker, not a private company, it counts towards GDP, as does buying supplies.

$55,000 + $26,000 + $5,000 = $86,000

Which of the following should NOT appear on a resume?
age
work experience
education
references

Answers

Answer:

Age

Explanation:

Age should not appear on a resume.

Extra : -

These also should not appear on a resume

Too much informationA solid wall of text.Spelling mistakes and grammatical errors.Inaccuracies about your qualifications or experience.Unnecessary personal information.Your age.Negative comments about a former employer.Details about your hobbies and interests.

what accounted for the dramatic change in stock prices from 1929 to 1932 ?

Answers

The dramatic change in stock prices from 1929 to 1932 was caused by the stock market crash of 1929. The stock market crash was a result of a perfect storm of economic, political, and psychological factors.

Economic factors such as overproduction, high levels of consumer debt, and a lack of consumer spending created a fragile economy. Political factors such as the failure of the U.S. government to intervene in the economic crisis and the implementation of the Smoot-Hawley Tariff Act, which angered trade partners, further weakened the economy.

Psychological factors, such as speculation, greed, and fear, fueled the stock market bubble, and when it burst, it led to a widespread panic. The crash of the stock market and the resulting economic downturn, known as the Great Depression, had a profound impact on the world's economy and society.

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Suppose that an economy consists of only two individuals. Jeremy has $1690 available to spend on goods. He decides to purchase $470 worth of produce from Michele in the current quarter. No other economic activity takes place during the current quarter. Using this information, answer the questions. For the current quarter, what is the economy's income?

Answers

Answer:

$470

Explanation:

The calculation of the economy income is given below:

Since $1,690 spend on goods and then he decided to purchase for $470 in order to generate it

So here we can see that there is one and only economic activity that took place at the present quarter that is of $470

Therefore the economy income is $470

In a market economy, equilibrium stays constant and never moves.
True or false

Answers

Answer:

false

Explanation:

there is always change in equilibrium any time demand or supply changes.

Interest payments on a loan can be a significant cost for a business. What happens if in a free market the demand for loans increases significantly?

Answers

In a free market, an increase in demand for loans can lead to higher interest rates due to the limited supply of loanable funds.

In a free market, interest rates are under pressure to rise if loan demand rises considerably. This is because there is a finite amount of money that can be borrowed, and lenders can raise interest rates on borrowers as demand for loans increases.

Higher interest rates may make borrowing more expensive for firms, which may discourage investment and impede economic expansion. As a result, companies could need to change how they approach borrowing, either by taking on less debt or looking for new funding options with lower interest rates.

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values and beliefs are directional strategies that provide the focus and parameters for: group of answer choices external analysis. defining internal strengths and weaknesses. product and service quality. straegic goals.

Answers

Values and beliefs provide the focus and parameters for external analysis, defining internal strengths and weaknesses, product and service quality, and strategic goals.

Values and beliefs play a crucial role in guiding an organization's actions and decisions. They act as directional strategies that shape various aspects of the organization. Here's how they provide the focus and parameters for each of the given answer choices:

1. External analysis: Values and beliefs help an organization assess the external environment by considering factors such as customer preferences, market trends, and competitors' actions. This analysis helps the organization identify opportunities and threats.

2. Defining internal strengths and weaknesses: Values and beliefs shape the organization's internal culture and help define its strengths and weaknesses. They influence how employees work together, communicate, and align their efforts towards common goals.

3. Product and service quality: Values and beliefs guide the organization's commitment to delivering high-quality products and services. They define the standards, ethics, and principles that the organization adheres to in order to meet customer expectations.

4. Strategic goals: Values and beliefs provide the foundation for setting strategic goals. They shape the organization's long-term vision, mission, and objectives, ensuring that they align with the core values and beliefs of the organization.


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What is the gross income for a real estate agent in 2021?

Answers

Answer:

It depends on where you live and your experience level, but in the US a real estate agent can make approximately $82,898 a year, while you can expect to be paid around 15 to 30 thousand a year, within the first few years.

I hope this helps :)

​Ashton is working on a project at PowerTek Inc., a well-known multinational corporation. He is using capital budgeting to estimate the project's future cash flows. He finds that the present value of the estimated future cash flows is greater than the cost of the project. How likely is he to gain approval from the board? Group of answer choices

Answers

Answer: A. He will quite certainly gain approval since the project has a positive net present value.

Explanation:

The options are:

A. He will quite certainly gain approval since the project has a positive net present value.

B. Approval is probable but not likely as he failed to account for the time value of money.

C. He will not gain approval as he failed to consider whether the project is leading edge or not.

D. Approval is probable but not likely as the project has been constructed on estimates instead of facts.

Capital budgeting is used to know whether the long term investment for a particular organization's is actually worth investing in or not by the company.

Based on the scenario in the question, since the present value of the estimated future cash flows is greater than the cost of the project, Ashton will quite certainly gain approval since the project has a positive net present value.

gap clothing stores sell primarily what type of products? a. convenience b. shopping c. unsought d. nondurable e. specialty

Answers

The correct response is b. shopping. Gap clothing stores primarily sell shopping products. The clothing at GAP is of high quality. Their jeans have been a part of my wardrobe for seven years, and during that period, I've worn them frequently and washed them at least twice a month. They have

Don's inability to find a pair of jeans that fit him well served as the company's motivation. According to Gap, Inc., the term "Gap" refers to the "generation gap" between what was available in the retail sector at the time and what younger customers actually desired from a clothes store. In order to make it simpler to locate a pair of jeans that fit, Gap was established in 1969 with a dedication to doing more. Since then, the company has expanded into seven brands, and our initial resolve to do more has developed into a global aspiration to promote sustainability, inclusion, and equality. Gap's CEO Sonia Syngal revealed a three-year rehabilitation strategy for the company in 2020. Syngal expects Gap to have a reduced share of Gap Inc's entire business by 2023, but remain profitable.

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In 2017 , Nike had a profit margin of 11.99%. In 2019, Nike's profit margin is 10.54%. In 2021 , Nike's profit margin is 8.99%. Based on this information, which of the following is true about Nike Nike is getting better at turning sales into net income. Nike is getting better at turning equity into net income. Nike is getting worse at turning sales into net income. None of the above

Answers

Based on the given information, Nike's profit margin has been decreasing over time. Therefore, the correct statement is that Nike is getting worse at turning sales into net income.

Based on the provided information, it can be observed that Nike's profit margin has experienced a decline over time. In 2017, the profit margin was 11.99%, which decreased to 10.54% in 2019, and further decreased to 8.99% in 2021. A profit margin represents the portion of each dollar of sales that translates into net income.

Thus, a decreasing profit margin indicates that a smaller percentage of sales is being converted into net income. Consequently, it can be concluded that Nike is getting worse at turning sales into net income. This suggests that either the company's costs have increased relative to sales, or its sales growth has been outpaced by rising expenses, resulting in a lower profitability ratio.

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which of the following describes the term of your mortgage?

A: The length of your loan
B: The amount you are refunded once you pay off your house
C: The amount of money you borrow
D: The interest a person will pay on their loan

Answers

Answer:

answer A-the length of your loan

Answer:

The length of your loan

Explanation:

The term of a mortgage loan is how long the borrower has to repay the loan.  Most home mortgages are typically 15, 20, or 30 years.

the price of an item is usually high when the number of people wanting to buy it is​

Answers

Answer:

High

Explanation:

When the number of customer willing to buy increases, the demand for that product also rise. According to the law of supply and demand, an increase in demand without a subsequent increase in supply results in an increase in the buying price.

An increase in the number of buyers increases competition for the few available goods. Sellers will take advantage of high demand and increase prices to make more profits. Therefore, when there more people willing to buy a product, its price tends to increase.

how do you become popular

Answers

Answer:

Spread the word; advertisements

Explanation:

  In order to get popular you need to spread the word about your business, you needadvertisementst,s and sometimes even create your own website. Some website makers include Wix.

Suppose you think Apple stock is going to appreciate substantially in value in the next year. Say the stock’s current price, S0, is $120, and a call option expiring in one year has an exercise price, X, of $120 and is selling at a price, C, of $18. With $14,400 to invest, you are considering three alternatives. A. Invest all $14,400 in the stock, buying 120 shares. B. Invest all $14,400 in 800 options (8 contracts). C. Buy 100 options (one contract) for $1,800, and invest the remaining $12,600 in a money market fund paying 6% in interest over 6 months (12% per year)

Answers

Option A provides higher level of risk. Option B provides leverage. Option C provides low level of risks.

If you believe that Apple stock is going to appreciate substantially in value in the next year and are considering how to invest $14,400, you have three options.

Option A is to invest all $14,400 in the stock by buying 120 shares at the current price of $120 per share. This option is straightforward and would give you direct exposure to the stock's potential appreciation.

Option B is to invest all $14,400 in 800 call options (8 contracts) with an exercise price of $120 and a current price of $18 per option. This option provides leverage and the potential for higher returns if the stock appreciates significantly, but also involves a higher level of risk as the options could expire worthless if the stock price does not increase as anticipated.

Option C is to buy 100 call options (one contract) for $1,800 and invest the remaining $12,600 in a money market fund paying 6% interest over 6 months (12% per year). This option involves a lower level of risk than option B as the money market fund provides a guaranteed return, but also limits potential gains if the stock price appreciates substantially.

Ultimately, the best option depends on your risk tolerance and investment goals. Option A provides direct exposure to the stock's potential appreciation but carries the highest level of risk. Option B provides leverage and higher potential returns but also involves a higher level of risk. Option C involves a lower level of risk but also limits potential gains. It's important to carefully consider your investment objectives and risk tolerance before making a decision.

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on a timeline, a milestone 14 years in the future will be to the ____ of a milestone 8 years in the future and to the ____ of a milestone 2 years in the future. left; left, right; left, right; right, left; right

Answers

Answer:

Right; Right

Explanation:

.

strategy involves the decisions that senior management makes and the goal-directed actions it takes to gain and sustain competitive advantage in several industries and markets simultaneously. multiple choice question.

Answers

The type of strategy that involves senior management decisions and actions aimed at achieving competitive advantage across multiple industries and markets is Corporate-level strategy. The correct option is D.

Corporate-level strategy involves the decisions and actions taken by senior management to achieve the overall goals of the organization and gain a competitive advantage in multiple industries and markets simultaneously. Corporate-level strategy is concerned with the allocation of resources, coordination of activities, and management of relationships across business units or product lines, with the aim of creating value for the organization as a whole.

It involves identifying growth opportunities, diversification strategies, and mergers and acquisitions, among other activities, to ensure the long-term success of the organization.

Hence, option D. Corporate-level strategy is the right answer.

The complete question is:


Which of the following options best describes the type of strategy that involves senior management decisions and actions aimed at achieving competitive advantage across multiple industries and markets

A. Business-level strategy

B. Operational strategy

C. Functional-level strategy

D. Corporate-level strategy

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In today’s housing market, 85% of individuals qualifying for a mortgage have a fico score of _______ or better.

Answers

In today's housing market, 85% of individuals qualifying for a mortgage have a FICO score of 620 or better.

FICO scores range from 300 to 850 and are based on factors such as payment history, credit utilization, length of credit history, and types of credit. A higher FICO score indicates a lower credit risk and can result in lower interest rates and better loan terms. However, it is still possible to qualify for a mortgage with a lower score, but it may result in a higher interest rate and stricter loan requirements. It is important to regularly check and improve your credit score to increase your chances of obtaining favorable mortgage terms.


In today's housing market, 85% of individuals qualifying for a mortgage have a FICO score of _______ or better. To find the specific FICO score, follow these steps:

1. Research the minimum FICO score required to qualify for a mortgage in the current market.
2. Determine the percentage of individuals who meet or exceed this score (in this case, 85%).
3. Fill in the blank with the FICO score you found in Step 1.

Please note that the FICO score required for a mortgage may vary depending on the lender and market conditions, so it's essential to stay informed on the latest requirements.

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What is the advantage of renting the apartment over buying a home? Check all that apply. Repairs and maintenance costs are not Sasha's responsibility. Utilities, such as electricity and water, are included in Sasha's rent payment. Sasha's up-front costs will be lower, allowing her to keep her savings. Sasha's monthly costs will be lower. Sasha will make money if the value of the apartment increases.

Answers

Answer:

Repairs and maintenance costs are not Sasha's responsibility.

Sasha's up-front costs will be lower, allowing her to keep her savings.

Sasha's monthly costs will be lower

Explanation:

The advantage of renting the apartment over buying a home are that:

• Repairs and maintenance costs are not Sasha's responsibility - The repair and maintenance cost goes to the home owner and not Sasha since she just rented the house. The owner who bought the house bears the cost.

• Sasha's up-front costs will be lower, allowing her to keep her savings. - Her upfront cost will be lower and she can use the money which might have been used for house repair or maintenance to do other things.

Sasha's monthly costs will be lower - There'll be also be a reduction in the amount she spends every month.

The other options such as "Sasha will make money if the value of the apartment increases". and "Utilities, such as electricity and water, are included in Sasha's rent payment" aren't advantages of renting the apartment.

Answer:

Answers 1, 3, and 4.

Explanation:

Option 1: Repairs and maintenance costs are not Sasha’s responsibility.

Option 3: Sasha's up-front costs will be lower, allowing her to keep her savings.

Option 4: Sasha's monthly costs will be lower.

Assuming a longrun aggregate supply curve, an increase in the money supply results in ________ in output and ________ in price level.

Answers

Assuming a long-run aggregate supply curve, an increase in the money supply results in no change in output n output and a decrease in prices _ in the price level.

An instance of a mixture is to mix substances for concrete collectively. To aggregate is to feature together. An example of an aggregate is to add individual amounts of candy bars bought to find the total. the combination is described as “in general.

Aggregation is the consolidation of a man or woman's economic facts from more than one establishment to 1 singular institution. Account aggregation, as a finance control concept, is generally completed by way of a person's economic planner to create brotherly love, clarity, and ease.

Account aggregation is a process in which information from many—or all of an individual's or family's financial debts are gathered in a single area. it is also known as financial statistics aggregation.

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which of the following is(are) true? multiple choice stock advisory services include printed materials ranging from alphabetical listings to detailed financial reports. value line is the only reliable stock advisory service used by investors. zacks handbook of common stocks is a misnomer because it analyzes only industries. standard

Answers

Of the given options, the only true statement is that stock advisory services include printed materials ranging from alphabetical listings to detailed financial reports.

This is because most stock advisory services provide investors with a range of resources to assist in their investment decisions, including newsletters, market analysis reports, and other printed materials. However, it is false to claim that Value Line is the only reliable stock advisory service used by investors, as there are many reputable advisory services available. Additionally, the statement that the Zacks Handbook of Common Stocks is a misnomer because it analyzes only industries is also incorrect, as the handbook provides detailed analysis of individual stocks as well as industry trends. Therefore, it is important for investors to conduct their own research and consider multiple sources before making any investment decisions.

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Sydnee would like a chart to appear once in her report, but she is having trouble making this occur. She does not understand why the chart is showing multiple times in the report. What is most likely causing the problem?

The chart is placed in the header and footer of a database.
The chart is placed in the field of a database.
The chart is placed in a database with one group.
The chart is placed in a database with five groups.

Answers

Answer:

The chart is placed in a database with five groups.

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Do you think lance is right to be concerned about leroy's plan for growth​

Answers

Answer:

yes

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The general cycles of economic recession and economic boom in different businesses affect HR planning.TrueFalse

Answers

True. The general cycles of economic recession and economic boom in different businesses affect HR planning is correct.

A significant, widespread, and prolonged decline in economic activity is called a recession. More complex calculations are often used, but the general rule of thumb is that two consecutive quarters of negative gross domestic product (GDP) growth indicates a recession.

The National Bureau of Economic Research (NBER) considers nonfarm payrolls, industrial production, retail sales, etc. It uses a broad recession measurement method. According to NBER, "There are no hard and fast rules about which actions bring information into the process or how information should be weighted in decision-making."

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western wholesale foods incurs the following expenditures during the current fiscal year. how should western account for each of these expenditures?

Answers

To provide an accurate response, I would need specific details regarding the expenditures incurred by Western Wholesale Foods during the current fiscal year.

Different expenditures are typically accounted for differently based on their nature and purpose. However, I can provide a general overview of how certain types of expenditures are commonly accounted for:

Operating Expenses: These include day-to-day expenses such as rent, utilities, salaries, and advertising costs. They are typically recognized as expenses in the period they are incurred and are recorded on the income statement.

Capital Expenditures: These involve the purchase of long-term assets like property, equipment, or vehicles that are expected to provide future economic benefits. Capital expenditures are typically capitalized and recorded as assets on the balance sheet and then depreciated or amortized over their useful lives.

Research and Development Expenses: These expenses relate to the development of new products or processes. They are usually recognized as expenses in the period they are incurred and recorded on the income statement.

Interest and Financing Costs: These expenses include interest payments on loans or financing costs associated with borrowing funds. They are recognized as expenses and recorded on the income statement.

It's important to note that specific accounting practices may vary depending on the applicable accounting standards and the company's accounting policies.

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propeller blade tracking is the process of determining

Answers

Propeller blade tracking is the process of determining the exact position and orientation of each blade of a propeller in relation to one another and the hub.

This is important for several reasons. First, any deviation from the correct position can cause vibration, which not only reduces efficiency but also can lead to damage or failure of the propeller or the engine. Additionally, a propeller that is not properly tracked can produce unequal thrust, which can cause the aircraft to veer off course or experience handling difficulties.

Therefore, it is crucial to ensure that all blades are properly aligned and balanced, and that any necessary adjustments are made to achieve optimal performance and safety. This is typically done by using specialized equipment to measure the position of each blade and make necessary adjustments until they are all in perfect alignment.

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What should you avoid using when writing a formal email?
O An official signature
O Emojis
O Familiar acronyms
O Last names

Answers

Emojis
Emojis are not formal and they should not go in a formal email

Answer:

emojis

Explanation:

Amy and Lester are partners in operating a store. Without consulting Amy, Lester enters into a contract to purchase merchandise for the store. Amy contends that she did not authorize the order and refuses to pay for it. The vendor sues the partners for the contract price of the merchandise.




A. Must the partnership pay for the merchandise? Why?




B. Does your answer to part a differ if Amy and Lester are partners in a public accounting firm? Explain

Answers

A. In a general partnership, each partner has the authority to bind the partnership to contracts entered into within the scope of the partnership's business.

Therefore, the partnership would generally be obligated to pay for the merchandise even if Amy did not specifically authorize the purchase. This is based on the principle of "actual authority" in partnership law, which means that partners have the authority to act on behalf of the partnership in ordinary business matters. Since the purchase of merchandise for the store falls within the scope of the partnership's business, Lester's contract to purchase the merchandise would likely be binding on the partnership, and they would be required to pay for it.

B. If Amy and Lester are partners in a public accounting firm, the answer to part A may differ depending on the specific partnership agreement and the scope of their authority. In professional partnerships such as accounting firms, there may be limitations on the individual partner's authority to enter into contracts without the consent or authorization of the other partners. If the partnership agreement restricts the authority of partners to make purchases without the consent of all partners, and if Amy did not give her consent or authorization for the purchase, the partnership may not be obligated to pay for the merchandise. However, the specific details and provisions of the partnership agreement would need to be examined to determine the outcome in this situation.

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iii) Monetary policy 2) Wife's employment income is considered to be at arm's length and assessed separate on her.Explain FOUR circumstances when this can happen. the case of 1969 is well known for the supreme court ruling that asserted the constitutional rights to free speech and expression for students in public schools. In the presence of weakened or paralyzed elbow extensors in a patient with a spinal cord injury, contracture of which muscle group will likely result in impaired transfer skills?a. finger flexorsb. knee flexorsc. hip flexorsd. elbow flexors Define first ionisation energy. Wendy initially has 6 hours of pop music and 3 hours of classical music in her collection. Every month onwards, the hours of pop music in her collection is 9% more than what she had the previous month. Her classical music does not change. Which function shows the total hours of music she will have in her collection after x months?. You are hoping to buy a new boat 3 years from now, and you plan to save $5,800 per year, beginning one year from today. You will deposit your savings in an account that pays 5.2% interest. How much will you have just after you make the 3rd deposit, 3 years from now Montanso is a large bio firm that sells genotically modifiod seed to farmers. Thoy need to decide how much seed to put into a warehouse to serve the demand for the next growing season. They will make one quantity decision. If costs Montanso $8 to make each kilogram (kg) of seed. They sell each kg for $45. If they have more seed than demanded by the local farmers, the remaining seed is sent overseas. Unfortunately, they only eam $3 per kg trom the overseas matket (but this is better than destroying the seed because it cannot be stored until next year). If demand exceeds their quantity, then the sales are lost, and the farmers go to another supplier. As a forecast for demand they will use a normal distribution with a mean of 450,000 and a standard deviation of 105,000 . How many kllograms should they place in this warohouse before the 2011 growing season? (Keep answers as integers, no thousand separators) pls help me i dont get it :( Trench foot was a new form of military footwear invented in WWI.TrueFalse please answer this for me!! The fair value method of valuation is typically used by an investor when it holds ________ of the investee's equity securities.A. less than 20%B. more than 80%C. more than 50%D. 20%-50% Human Resources: Motivating Employees through compensationExplain external vs internal equity as well as differentiationvs cost strategy in compensation. what are the conditions that cause a lunar eclipse Maria finds herself increasingly sad and withdrawn. She finds it hard to complete day-to-day tasks and spends most of her time alone. If Maria lived between 500 B.C. and 500 A.D. the most likely explanation of her behavior would be: 4. define a musical hybrid and suggest why these are encountered frequently in latin american music. Dew point is a A) MassB) PercentageC) RatioD) Temperature Yo{select} afeito cada noche. plzzzzzzz help i will give brainliest. Which of the following has mechanical energy?A car batteryB compressed springC glowing incandescent light bulbD nucleus of uranium atomplzzzzzz help i will give brainliest. :(((( plz helpppp i dont get it 1. What were the racial and ethnic differences between the colonial powers and the colonial regions?2. What might these racial and ethnic differences have implied about European's attitudes towards the colonial people?please help