To calculate loan-to-value (LTV) on a mortgage, the formula is: LTV = (Amount of loan / Property value) x 100, where, amount of loan refers to the amount of money the borrower is borrowing.
Property value refers to the price at which the property is being purchased or the current market value of the property.
Example: Suppose a borrower is taking out a mortgage loan of $150,000 to purchase a home that costs $200,000. In this case,
LTV = (150,000 / 200,000) x 100
LTV = 75%
Therefore, the loan-to-value (LTV) of this mortgage is 75%, which means the borrower is financing 75% of the property value with the loan and making a down payment of 25%.
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Describe and explain how researchers understand the Classical Management Theories and how they are still applicable today.
Classical Management Theories, developed during the late 19th and early 20th centuries, represent a foundation for modern management practices.
Researchers understand these theories by examining their key principles and concepts and evaluating their applicability in contemporary organizational contexts. The Classical Management Theories, including Scientific Management by Frederick Taylor, Administrative Management by Henri Fayol, and Bureaucratic Theory by Max Weber, focused on increasing efficiency, improving organizational structure, and establishing formal processes.
Researchers analyze these theories by assessing their fundamental principles, such as division of labor, hierarchy, clear job roles, standardization, and centralized decision-making. They explore how these principles contribute to productivity, effectiveness, and organizational control. Moreover, researchers examine the relevance of Classical Management Theories today.
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In order to assist in revenue realization, a(n) ______ allocatesresources throughout the firm.a. forecast. b. balance sheet c. budget d. income
In order to assist in revenue realization, a(n) budget allocates resources throughout the firm.
What is a budget?A budget is a calculating plan, typically financial but not always, for a specific time frame, typically one year or one month.
A spending plan based on income and costs is called a budget. In other words, it's a projection of your income and expenses for a specific time frame, like a month or a year. (Or, if you're keeping track of the money coming in and going out of your home as a whole, that's a family budget.)
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What are the 3 significant types of insurance that are involved in Marine
insurance
Answer:
Liability Insurance.
Hull Insurance.
Freight Insurance.
33) acme medical, an american medical device company, opened a number of manufacturing units in a developing country. it employed people from the host country to work in the new units. this move radically lowered the poverty rate in the developing country. in this scenario, acme is
In the given scenario, Acme Medical, an American medical device company, is engaging in foreign direct investment (FDI).
In the given scenario, Acme Medical, an American medical device company, opened a number of manufacturing units in a developing country. It employed people from the host country to work in the new units. This move radically lowered the poverty rate in the developing country. In this scenario, Acme is engaging in foreign direct investment (FDI).Foreign direct investment (FDI) is a kind of international investment that involves setting up operations or buying a business in a foreign country.
Companies that engage in FDI create jobs in the host country, provide skills and technology transfer, improve infrastructure, and boost the economy of the host country. FDI can help to reduce poverty in the developing world by creating jobs and boosting local economies. FDI can lead to higher wages and a better standard of living for workers in developing countries. In conclusion, Acme Medical is engaging in foreign direct investment (FDI) by opening a number of manufacturing units in a developing country, which has significantly reduced poverty in the developing country.
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In the Case Study in the video regarding the strategy change in financial institution, the role of HR in implementing the new strategy was discussed. Which of the following actions was the role of the senior management team and NOT HR?A. Revised job descriptions to incorporate new skills and job requirements associated with new strategy.
B. Revised training to incorporate new strategy.
C. Conducted organizational SWOT analysis.
D. Revised recruiting to incorporate new strategy.
The role of the senior management team and NOT HR IS:
Option(C). Conducted organizational SWOT analysis.
In the case study in the video regarding the strategy change in financial institutions, the role of HR in implementing the new strategy was discussed. The senior management team and not HR carried out organizational SWOT analysis as the role of senior management, not HR. Option C is the correct answer.
SWOT analysis is an important tool for analyzing an organization's strengths, weaknesses, opportunities, and threats. It provides an overview of the internal and external factors that can impact the success of an organization. By conducting a SWOT analysis, senior management can identify areas for improvement and make informed decisions about how to implement the new strategy.
The other options mentioned in the question, revised job descriptions to incorporate new skills and job requirements associated with new strategy, revised training to incorporate new strategy, and revised recruiting to incorporate new strategy are all roles of HR in implementing the new strategy.
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jose needs a new mountain bike since his old one was run over by the garbage truck. he has seen the trek bike company sponsoring races and seen its logos worn by top riders, so he decides to purchase a trek bike. jose was influenced by which marketing tool?
Jose was likely influenced by the marketing tool of "sponsorship" or "endorsement" used by the Trek bike company.
What is Sponsorship ?Companies frequently utilise sponsorship and endorsement as marketing strategies to increase consumer trust, brand awareness, and credibility. Companies attempt to establish a favourable association between their brand and positive qualities and develop a devoted consumer base by sponsoring events or individuals that are well-known in their industry.In this instance, Jose saw that the Trek bike brand sponsored competitions and was used by pro riders, which probably affected his choice to buy a Trek bike. Jose may have chosen Trek over other bike brands because he felt more confident in the brand's performance and quality because of its relationship with prominent and successful athletes.
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Which of the following would be an example of direct finance? Group of answer choices A saver deposits money into a credit union. A saver buys a bond a corporation has just issued so it can purchase capital. None of the above is correct. A saver buys shares in a mutual fund.
Answer:
A saver buys a bond a corporation has just issued so it can purchase capital.
Explanation:
Direct finance is the process of financing in which the borrower borrows thd fund directly from the financial institution without involving the third party i.e intermediate, broker, etc
In the question, the option b is correct as it derives that a saver could purchase a bond since the corporation issued it so the capital could be purchased
hence, the second option is correct
Answer:
A saver buys a bond a corporation has just issued so it can purchase capital.
Explanation:
How many years would it take for money to increase to 3 times the initial amount at an interest rate of 18% per year?
Answer:
7 years (to the nearest year)
Explanation:
Given that;
A = amount
P= principal
t = time
r = rate
A =3P(given in the question)
Formula for compound interest;
A = P(1 + r)^t
Substituting values;
3P = P(1 + 18/100)^t
3P/P= (1.18)^t
3 = (1.18)^t
log 3 = t log 1.18
t = log 3/log 1.18
t = 0.4771/0.0719
t = 6.6 years
t = 7 years (to the nearest year)
Evaluate the importance of emational intelligence in decemining whether or not a porton is likely to he a succesful leader.
Answer:
Emotional intelligence, also known as EQ, is the ability to understand and manage one's own emotions and those of others. It is a crucial skill for effective leadership, as it enables leaders to communicate effectively, build strong relationships, and navigate complex social situations.
One of the key benefits of emotional intelligence for leaders is its ability to improve communication and collaboration. Leaders with high emotional intelligence are able to understand the emotions of others and respond to them in a way that builds trust and fosters positive relationships. This allows them to communicate more effectively and work more effectively with others, which is essential for successful leadership.
Another important aspect of emotional intelligence for leaders is its ability to help them navigate complex social situations. Leaders with high emotional intelligence are able to read social cues, understand the emotions of others, and respond in a way that is appropriate and effective. This allows them to make decisions that are in the best interests of their team and organization, and to resolve conflicts and other challenges in a constructive manner.
Overall, emotional intelligence is a critical factor in determining whether or not a person is likely to be a successful leader. It enables leaders to communicate effectively, build strong relationships, and navigate complex social situations, all of which are essential for success in a leadership role.
How much interest would a person pay to borrow $700 for 9 months at 10 percent?
The principal is Rs 10,000, the interest rate is 10%, and the loan term is six years. The simple interest can be calculated as follows: A = 10,000 (1+0.1*6) = Rs. 16,000. Interest is 16000 divided by 10,000, or Rs. 6,000.
What is interest rate?The amount of interest due each period expressed as a percentage of the amount lent, deposited, or borrowed is known as an interest rate.
The total interest on a loaned or borrowed sum is determined by the principal amount, the interest rate, the frequency of compounding, and the period of time the loan, deposit, or borrowing took place.
The interest rate over a year is known as the annual interest rate. Other interest rates are applicable over shorter time frames, such a day or a month, but they are typically annualized.
An index of the preference for a dollar of present over a dollar of future has been used to describe the interest rate.
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Can someone please help me!
Answer:
The awnser is the Nature of Business
Answer:
nature of business that's
A budget that reports expected cash receipts and cash payments related to the sale and purchase of plant assets is called a: Multiple Choice Cash budget. Capital expenditures budget. Rolling budget. Sales budget. Production budget.
A budget that reports expected cash receipts and cash payments related to the sale and purchase of plant assets is called Capital expenditures budget
Capital expenditures budget shows the cash amounts estimated to be used up for the purchase of additional plant assets or expected from the sale of plant asset. Most Capital expenditures are usually for huge projects or for long term assets.After a financial evaluation to estimate if a company's return on investment targets are met, The Capital expenditure budget can then be reviewed to see what project to be done.Learn more here:https://brainly.com/question/15683430
If a person has $1,000 in a savings account and earns $20 a year in interest on that account, the rate of return on the money is close to
Answer:
2%
Explanation:
Can anyone here help me with a P.O.B sba??
Please
Answer:
que
Explanation:
Question 1 / 10
Which of these BEST concludes the story?
Concludes means ends. Which option is the best to end the story?
A.
Rita and I will most likely make the team because of our talent.
B.
As soon as we get to school tomorrow, Rita and I will read the list.
C.
Tomorrow, Rita and I will go to the community park to practice again.
D.
If Rita and I do not make the team, we will try out for a different sport.
Answer:
As soon as we get to school tomorrow, Rita and I will read the list.
Explanation:
Because I know.
Which type of market is the one in which a person buys stock in the fast-food company that makes their favorite breakfast sandwich?
Product market
Factor market
Financial market
Closed market
The type of market is the one in which a person buys stock in the fast-food company is Financial market. Thus 3rd option is correct.
What is Financial Market?Any location or system that gives buyers and sellers the ability to trade financial assets, such as bonds, shares, the various international currencies, and derivatives, is referred to as a financial market.
The connection between people with capital to invest and those who need capital is facilitated by financial markets.
The kind of market where a consumer purchases shares of the fast-food chain that sells their preferred breakfast sandwich is referred as financial market.
Thus 3rd option is correct.
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Answer: Financial market
Explanation: stocks
The coverage grace period gives you an extension of generally ________ in which to make your premium payment without cancelling your policy. question 47 options: 15 days 30 days 45 days 60 days
The grace period for coverage provides you an additional 15 days to pay your premiums without having your insurance cancelled.
An insurance grace period is a period of time beyond the due date for the premium during which the policyholder may pay the premium without the expiration of coverage. Depending on the insurer and kind of coverage, the grace period for insurance can change. A grace period is a time period that begins right away when a deadline that would otherwise result in a late fee or other consequences is approaching. The length of the grace period would differ depending on the method of premium payment in this instance of health insurance policies, thus the same is to be taken into consideration.
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5.
An efficient economy is one that
Ouses its resources to make the most goods and services.
Ohas very few people who do not work for a living.
Omake it possible to increase an economy's output.
Omakes the best use of all its goods and services.
I
Identify the problem by analyzing the given scenario. An IT software company is losing market share because it fails to launch new products in a timely manner. Decisions are centralized at the top, and employees have little or no voice. One way to solve this problem is to use teams to eliminate ____ in the company.
Explanation:
to eliminate their best efforts in the company
Answer:
"bureaucratic barriers"
Explanation:
i got it right on plato
Drive-Ins borrowed money by issuing $ 2 comma 500 comma 000 of 8 % bonds payable at 96.5. Interest is paid semiannually. Requirements 1. How much cash did Sonic receive when it issued the bonds payable? 2. How much must Sonic pay back at maturity? 3. How much cash interest will Sonic pay each six months? Requirement 1. How much cash did Sonic receive when it issued the bonds payable?
Answer:
I don't think he got any back
Explanation:
The money could have been a tip.
The main types of markets are called _____.
residential
consumer
industrial
customer
Which asset is the most liquid?
A. A certificate of deposit
B. An individual retirement account
C. Commercial real estate
D. Residential real estate
the negative impact of the coronavirus as one of the socio- economic issues on businesses
Answer: reducuced workforce across all economic sectors and caused many jobs to be lost.
Explanation:
Cardiac Science is a California-based company that makes defibrillators,heart monitors,and other medical equipment.It is preparing to market its products in Greece.The company's marketing manager is responsible for the promotional campaign in Greece,and she wants to avoid any problems that might arise because her field of experience does not coincide with that of her Greek target audience.Which of the following is the best example of a communications problem that might arise because her field of experience is different from that of her audience?
A) The name of the product,when translated into Greek,has an unintentional meaning.
B) Her target audience is strongly ethnocentric.
C) The trade journals in which the company wants to run its ads do not accept ads from foreign companies.
D) A Greek bureaucrat who is responsible for determining that the Cardiac Science products meet national standards has taken a personal dislike to her.
E) The ads are in trade journals that Greek hospital administrators don't read.
The correct answer is A) The name of the product, when translated into Greek, has an unintentional meaning.
Explanation:
In business, communication problems can emerge due to a difference in language that prevents the business from communicating appropriately its purpose, name, slogan, and from advertising its products. This mainly occurs if the translation does not reflect the original meaning or there are cultural features that create a barrier.
This situation occurs in "The name of the product when translated into Greek, has an unintentional meaning" because due to the lack of experience of the manager in Greece and the differences in language, she does not know how to communicate in Greek the name of the company, which creates a communicative barrier as Greek customers will not understanding the real meaning of the company.
Which two are benefits of equity funding? (Choose two)
1. Loan payments are predictable; they do not change with the fortunes of the business.
2. Can be used to raise working capital.
3. Investors do not get paid if the business does not make a profit.
4. Loan payments can be set up so they match seasonal sales of the business.
5. Investors have no say in the management or direction of the business.
The benefits of equity funding are it can be used to raise working capital.
Investors do not get paid if the business does not make a profit. Option 2 and option 3 are appropriate response.
What is equity funding?
The practice of raising money through the selling of shares is known as equity funding. Companies raise money to pay expenses in the short term or because they have a long-term objective and need money to invest in their expansion.
A firm effectively sells ownership in their business when it sells equity shares in exchange for money. There are two methods of equity funding: the private placement of stock with investors and public stock offerings.
Equity funding is used when companies, have a short-term need for cash. It is used to raise working capital. It carries no repayment obligation, investors are only paid when the business is profitable.
Hence option 2 and option 3 are correct response.
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Structured and semi-structured interviews were developed to address what main problem? 1. Clinicians and researchers had tremendous difficulty in making consistent and accurate diagnoses of mental disorders with unstructured clinical interviews 2. The DSM used during development of structured interviews was not field trialed and resulted in disorders with weak validity 3. Insurance companies did not cover visits with diagnoses resulting from a structured interview 4. None of the above
Structured and semi-structured interviews were primarily developed to address the main problem of clinicians and researchers having tremendous difficulty in making consistent and accurate diagnoses of mental disorders with unstructured clinical interviews option (1).
Unstructured clinical interviews lacked standardized procedures, leading to variability in the way questions were asked and information was gathered. This lack of structure made it challenging to compare and analyze data across different interviews and clinicians, resulting in inconsistent diagnoses and decreased diagnostic reliability.
Structured interviews were designed to overcome this problem by providing a standardized set of questions and a systematic approach for gathering information. These interviews typically include a predetermined set of questions with specific response options, ensuring consistent data collection across different interviewers and settings. By using a structured format, clinicians and researchers can obtain more reliable and valid diagnostic information, leading to improved consistency in diagnosing mental disorders.
The other options mentioned in the question are not the main problems that structured and semi-structured interviews were developed to address. While the DSM's field trialing and insurance coverage are relevant considerations, they are not the primary reasons for the development of structured interviews.
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Imagine a friend, who has a degree in business information management and certifications in IT, is looking for a job in a large multinational company or a consultancy firm. Research online and inform your friend about any three of the available career options and their related job descriptions.
Answer: Any 3 off of this list would work. My definitions were as close as I could make them.
Information Resource Manager
Development and organization of an organization's resources. Such as financial resources, inventory, skills, production resources, or information technology.
Business Analyst
Analyzes an organization or business domain and documents it's business, processes, or systems. Assessments are made on the business model, or it's integration with technology.
Support Specialist
Technical Support Specialists provide technical support to organizations by managing, maintaining, and troubleshooting their IT systems.
Technology Consultant
A technology consultant advises clients on how to best use IT practices to achieve their business objectives. A Technology consultant would also manage and implement strategies.
Systems Analyst
Uses analysis and design techniques to solve business problems using IT. They may serve as change agents who identify the organizational improvements needed, design systems to implement those changes, and train others to use the systems.
Answer:
I researched online and found the following career options in business information management. Here are the job descriptions for each of the three careers.
Information manager: An information manager is required to analyze and implement information solutions for companies. The job description includes the following tasks:
Provide information on the latest trends in information management.
Develop and maintain online portals on information management.
Analyze information and implement solutions based on the analysis.
Provide training to those who use the implemented information.
Attend review meetings on information management and contribute ideas/opinion.
Update one’s own knowledge on information management by attending seminars and work groups.
IT consultant: IT consultants advise managers on how to develop new IT-enabled solutions. The job description includes these tasks:
Assess the performance of existing business systems.
Draw up strategic plans and implement new business processes.
Train employees on implemented IT solutions/business processes.
Propose solutions for organizations that want to improve their software systems.
Install data networks and provide support for troubleshooting.
Management trainee: Management trainees usually follow a two-year “on the job” training and continue their career in a management position. Their job description includes these tasks:
Perform tasks in response to instructions from seniors.
Get trained on the allotted work and department.
Track own performance progress and set performance goals.
Get acquainted with operations, management system, and company policies.
Explanation:
PLATO
Soft skills 2 sentences that will help
Answer:
Include the terms most closely related to the job in your resume, especially in the description of your work history. Highlight Skills in Your Cover Letter: You can incorporate soft skills into your cover letter. Include one or two of the skills mentioned here, and give specific examples of instances when you demonstrated these traits at work
Explanation:
Who is most likely to be treated with deference, such as always getting the best seat in the conference room during meetings
what are the outputs of the production process with regards to goods and services
Answer: they will go faster
Explanation: it does a thing.