shawn and his wife are purchasing a home. the cost of the home is $187,500. they will be required to pay a down payment of 5% of the purchase price and to pay closing costs of 7% of the purchase price. how much cash will they need for the down payment and closing costs?

The range of the Sample Student Report is gotten by subtracting the minimum ACT score from the maximum ACT score.

The range of a group of numbers is the difference between the highest and lowest values in a set of numbers. It is given by:

Range = highest number - lowest number

The range of the Sample Student Report is gotten by subtracting the minimum ACT score from the maximum ACT score.

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Answer:

The word “profession” means different things to different people. But at its core, it’s meant to be an indicator of trust and expertise.

Traditionally, a “professional” was someone who derived their income from their expertise or specific talents, as opposed to a hobbyist or amateur. This still carries through to fields today, such as sport.

But given today’s fast-changing environment of knowledge and expertise, it’s now generally understood that simply deriving an income from a particular task might make you an “expert” or “good at your job” – but if you’re a “professional”, this has a broader meaning.

There’s a long history of attempts to clarify this meaning, and to define the functions of professions. These attempts typically centralise around some sort of moral or ethical foundation within the practice of a specific and usually established expertise.

This section is designed to give you an insight into some of the historic and academic ways of defining professions, as well as some regulatory perspectives as to how a group can ultimately become a profession.

A(n) stop payment order is a request by an account holder to the bank not to pay a specific payment. This order can be placed for various reasons, such as a lost or stolen check, a payment made in error, or a dispute with a merchant. Stop payment orders are typically valid for a limited period, such as six months, and may incur a fee from the bank.'

It is important for account holders to act quickly when requesting a stop payment order, as the bank may require certain information such as the check number, amount, and payee. It is also important to note that a stop payment order does not guarantee that the payment will be stopped, as the bank may not be able to intercept the payment in time. Therefore, account holders should also take other measures to ensure that the payment is not processed, such as contacting the recipient directly.

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Answer:

Guaranteed Death Benefit

Explanation:

A guaranteed death benefit may be defined as a benefit term which guarantees that a beneficiary will surely receive a \(\text{death benefit}\) if the annuitant expires or dies before the annuity begins paying the benefits.

It is a safety net where when the annuity dies while making the payments or the contract is in the accumulation phase.

Variable annuity is defined as an agreement or a \(\text{contract}\) between a person and the \(\text{insurance company}\), under which the \(\text{insurer agrees}\) to make \(\text{periodic payments}\) to the person, beginning either immediately or at some future date.

Thus, \(\text{Guaranteed Death Benefit}\) guarantees a beneficiary to receive payments from the variable annuity which is guaranteed by the Guaranteed Death Benefit when the contract owner of the variable annuity dies before annuitization.

Why might you be willing to make a loan to your neighbor by putting funds in a savings account earning a 5% interest rate at the bank and having the bank lend her the funds at a 10% interest rate rather than lend her the funds yourself?

a. Your neighbor suffers from information asymmetry.

b. There will always be a moral hazard problem in lending to a friend or neighbor.

c. There is no way to diversify your savings except with the help of a bank.

d. The costs of writing up the loan contract might exceed the 5% difference between your deposit rate and the bank lending rate.

C. There is no way to diversify your savings except with the help of a bank

The money is deemed to be safest once it has been deposited with a bank. This is so that the commercial bank can restore the money to the depositors at their request. The neighbor, on the other hand, carries a larger risk because there would be no means to recover the money if the neighbor defaulted on the loan. For this reason, the person would be quite eager to deposit the money at the bank so that their neighbor might borrow money from the institution.

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Answer:

decision making role

Explanation:

Management roles vary depending on which type of manager we are talking about: upper, middle or lower management. Management roles include:

Answer:

B sell some

Explanation:

in a scenario where it is dropping, it doesn't mean it won't come back up. So you would sell some but keep a few so if it went up you still make profit

Based on the provided information, what i would do in this case is that i will sell some of the investment.

According to the question, we are to discuss about selling if investment in a case global stock market is often volatile and my entire investment portfolio loss 10% of it's value in a month.

As a result of this i will sell some of the investment, then keep some because the global market can still rise.

Therefore, option B is correct because, global market can still rise.

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The answer to the question is the following :Option A (Standardized product) is not a characteristic of services. It refers to the fact that a service can be customised to meet the specific needs of a customer and that it can be delivered in a variety of ways.

Services are characterized by several characteristics. The five most common characteristics of services are as follows:

1. Intangibility2. Perishability3. Variability4. Inseparability5. Non-ownership of servicesStandardized product, on the other hand, is not a characteristic of services. A service can be tailored to meet the specific needs of a customer. It is delivered in a variety of ways.

A service is generally provided in a highly customized manner, which is tailored to the specific needs of the customer. The customization of a service is one of its most important attributes, as it allows the provider to meet the specific needs of the customer.

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Answer:

Hiiiiii

Explanation:

The correct answer is "b. economies of scale". Economies of scale occur when the firm experiences cost savings as a result of increasing production.

This can be due to factors such as bulk purchasing, specialization of labor, or technological improvements. As a result, the long run average cost curve may initially slope downward, indicating decreasing average costs as output increases. However, it's important to note that this effect can only continue up to a certain point, after which the curve may start to slope upward due to diseconomies of scale, such as increasing coordination costs or congestion in production processes. It's also important to distinguish between average costs and marginal costs, as the latter may not necessarily follow the same trend as the former. Overall, understanding the relationship between economies of scale and the long run average cost curve is essential for firms to make informed production decisions and achieve optimal efficiency.

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Answer:

A. accountant

Explanation:

The accountant has a very significant role in running a business. He or she keeps a precise record of money flow in the company. The accountant function is mainly mathematical as it involves the accurate collection, recording, analysis, and financial presentation of the organization’s business operations.

Business or financial transaction records have a lot of numerical.  Prices, sales volumes, discounts, repayments period are all presented in numbers. An accountant will always be calculating.  If Chloe enjoys math, she will like working as an accountant as the role depends on math.

The answer is: A. accountant

The main duty of an accountant is to prepares the financial information of an individual or an organisation.  In order to do this, you need a really good command of math skills since all the information regarding the assets , liability, and capital of the individuals/organization is recorded in a numerical value.

False. The market maker in this scenario is not acting as a broker but rather as a dealer. As a dealer, they are buying and selling securities for their own account, not on behalf of clients.

Additionally, the fact that the market maker is buying and selling IBM stock for their own account means that they are not acting as a market maker in this transaction. A market maker's role is to facilitate trading by providing liquidity and setting bid/ask prices, not to profit from buying and selling securities. A broker acts as an intermediary between buyers and sellers, and does not hold positions in securities for their own account.

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Answer:

1. False

2. True

3. False

4. False

Explanation:

1. Associate degree

2. A masters in business administration would be an asset to someone wanting to run a business

3.  A minor is a great way to augment skills

4. There is also a bachelors of fine arts

The most accurate statement about leverage among the options provided is:

D. An increase in fixed costs will reduce the company's degree of financial leverage.

Leverage refers to the use of fixed costs or debt to amplify the potential returns or losses of an investment or business. The degree of leverage measures the sensitivity of a company's earnings or profitability to changes in sales or revenues.

In the case of financial leverage, it refers specifically to the use of debt to finance a company's operations. When a company has higher fixed costs, such as interest expense from debt, it increases the financial risk and reduces the degree of financial leverage. This is because a higher proportion of the company's earnings will be allocated to servicing the debt, reducing the amount available for shareholders.

On the other hand, the degree of operating leverage (option A) measures the impact of fixed costs on the company's operating income, and it is not affected by interest expense. Option B is incorrect because a decrease in interest expense would reduce financial leverage, not increase it. Option C is also incorrect as the degree of total leverage is a combination of operating leverage and financial leverage, and without debt, the financial leverage component would be zero.

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Answer:

Copy the doc

Explanation:

Many new products fail despite knowledge of NPD, but the R-W-W Framework and innovation can improve success rates by addressing market needs and providing a structured approach.

The failure of new products can be attributed to several factors. One common reason is a lack of understanding of the target market and customer needs. If a product does not solve a significant problem or meet a genuine need, it is likely to struggle in the market. Additionally, inadequate planning and execution can lead to failures, including insufficient market research, ineffective marketing strategies, and poor product positioning.

Innovation plays a crucial role in the success of new products. By introducing unique features, functionality, or design elements, innovative products have a better chance of capturing customers' attention and creating a competitive advantage. Innovation can also address unmet needs or provide improved solutions, making the product more appealing to the target market.

The R-W-W Framework, which stands for Real, Win, and Worth It, provides a structured approach to evaluate new product opportunities. It emphasizes the importance of assessing market realities, competitive advantages, and value propositions. By following this framework, companies can gain a better understanding of the market dynamics, identify their unique selling points, and ensure that the product offers significant value to customers.

Incorporating the R-W-W Framework along with a focus on innovation increases the likelihood of new product success. It encourages companies to conduct thorough market research, identify gaps and opportunities, develop compelling value propositions, and create products that align with customer preferences and market demand. This approach minimizes the risk of launching products that are unlikely to succeed and increases the chances of delivering successful innovations that resonate with customers.

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The disadvantage of choosing a job that is very popular or a job that is in high demand is that after a while such a job may become saturated or it would become monotonous.

This is the term that is used to refer to a job that the people that wpould employ labor are constantly in need of. Such a job is one that would require the people that have the qualification to opt in and get the places and the roles that they are to fill.

The issues that may arise from such a job that is in high demand is that after a period, such a job may have a lot of persons that would want to fulfil the role.

The number of qualified persons may become more than the job that is available for the people to do in the long run.

Hence this is a disadvantage. Therefore I would conclude by saying that the disadvantage of choosing a highly popular job is that the number of persons that are willing to fulfil the role may exceed the job overtime.

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The likelihood that a decision maker will ever receive a payoff precisely equal to the EMV when making any one decision​ is Low​ (near 0%).

A technological standard for smart payment cards, payment terminals, and ATMs that can accept them is the foundation of the EMV payment mechanism. The three businesses that developed the standard, "Europay, Mastercard, and Visa," are referred to as EMV.

EMV cards are smart cards, also known as chip cards, integrated circuit cards, or IC cards. These cards also include magnetic stripes for backward compatibility and store their data on integrated circuit chips. These comprise both contactless cards that can be read at a close range utilizing near-field communication technology as well as cards that need to be manually inserted or "dipped" into a reader.

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The reason why Martha's credit report has such a low FICO score could be because She filed for bankruptcy last year.

When a person files for bankruptcy as Martha did last year, they are protected from their creditors and often pay back less than they owe.

As a result, it reduces their credit score because creditors would be less trusting of them in future.

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Answer:

Confrontation

Explanation:

Confroning a person is better than talking in publoc due to lots of People listening

Confrontation is a communication technique used to address a negative situation and discuss possible solutions. Thus option A is correct.

The transfer of information is the standard definition of communicating. The phrase may also be used to describe the message sent via such transmission or the area of research that focuses on them. The correct definition of it is a subject of much debate.

A method of communication used to deal with a bad circumstance by setting expectations and emotions like frustration and disappointment. Another technique to talk about a solution is through confrontation. A courteous approach to expressing your thoughts to others is through physical engagement. Therefore, option A is the correct option.

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Answer:

$2

Explanation:

so this question is easy and not need to be explained much but if u don't know then there r many ways to find the answer one of it is to

$14 - $12 = $2

Done!!!!!

Answer:

Consumer Want or Need: My family wants to purchase a new refrigerator because our current one is old and does not function properly.

Consumer Strategies: To find the best product to meet our need, we will use several consumer strategies, including:

a

b. Store Visits: We will visit different appliance stores to see the refrigerators in person and ask questions from the sales representatives. This strategy will help us assess the physical features and functionalities of the refrigerators and enable us to make informed decisions.

c. Recommendations: We will ask for recommendations from friends and family who have purchased refrigerators recently. This strategy will help us gain valuable insights and advice from people we trust.

Buying Process:

a. Need Recognition: The need recognition stage involves identifying the problem or need that the refrigerator will address. In this case, our old refrigerator is no longer functioning correctly.

b. Information Search: During this stage, we will use the consumer strategies mentioned above to gather information about the different types of refrigerators available, their features, and prices.

c. Evaluation of Alternatives: We will compare the features and prices of the refrigerators we have researched and visited in person to evaluate the alternatives that best meet our needs.

d. Purchase Decision: Once we have evaluated the alternatives, we will make a purchase decision based on our evaluation criteria, including quality, price, and availability.

e. Post-Purchase Evaluation: After purchasing the refrigerator, we will assess its performance to ensure that it meets our expectations.

Consumer Protection Agency: In case of any potential consumer complaint resulting from this purchase, the best-equipped federal agency to handle the issue is the Federal Trade Commission (FTC). The FTC is responsible for protecting consumers from fraudulent, deceptive, and unfair business practices. In the event of a dispute, the FTC could help us file a complaint against the manufacturer or retailer and take appropriate action to resolve the issue. The FTC can also provide valuable advice on consumer rights and protections. Locally, we may also contact our state Attorney General's office, which has similar functions and responsibilities for consumer protection.

Explanation:

This answer explains how to identify a consumer's want or need, the strategies to find the best product or service, the stages of the buying process, and the appropriate consumer protection agency.

Consumer Want or Need: An example of a consumer want or need for my family is a new laptop.

Consumer Strategies: To find the best laptop, I would use consumer strategies such as conducting online research, reading reviews, comparing prices and specifications, and seeking recommendations from friends or experts.

Stages of the Buying Process: The stages of the buying process for a laptop would include problem recognition (realizing the need for a new laptop), information search (researching different brands and models), evaluation of alternatives (comparing features, prices, and warranties), purchase decision (selecting and buying the chosen laptop), and post-purchase evaluation (assessing the laptop's performance and satisfaction).

Consumer Protection Agency: In the United States, the Federal Trade Commission (FTC) is the federal consumer protection agency that can handle potential consumer complaints resulting from this laptop purchase. The FTC can investigate deceptive or unfair business practices, provide educational resources, and take legal action if needed.

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Answer:

Life Orientation is a mandatory subject in the South African CAPS curriculum. It's studied by Senior Phase students in Grades 7-9. During Intermediate Phase, children will study Life Skills.

The CAPS guidance for Life Orientation states that the subject's main focus is the development of self in society. It aims to help learners set goals for themselves, solve problems and improve decision-making strategies. It aims to prepare learners for modern society and help with intellectual, physical, social and emotional growth along with lots more.

Explanation:

There are 5 main topics which are studied in Life Orientation in the Senior Phase:

Development of the self in society - This topic works on self-concept, including motivation and self-image. Learners throughout Senior Phase will also look at subjects such as personal diet and nutrition, peer pressure, relationships and friendships as part of the teaching. This topic will also touch on challenging situations including depression, grief, loss, trauma and crisis. This is so that they are better equipped to deal with these situations if they experience them in the real world.

Health, social and environmental responsibility - This topic area covers things like substance abuse and environmental health issues. There is also time spent on common diseases. Learners will also look at things such as volunteering as a concept as well as dealing with health and safety issues related to violence.

Constitutional rights and responsibilities - This topic has a focus on human rights, religions, cultural diversity and fair play. There's also some time spent on the concept of nation building and relating some of the above focuses to South Africa itself. Gender equity, constitutional values and issues that relate to citizens' rights and responsibilities are all looked at.

World of work - This topic area is all about preparing tour Senior Phase students for further education and life after school. Time is spent on different learning styles and career paths. You'll also spend some time talking about which options are available to them after Grade 9, including appropriate subject choices for their chosen career. You could spend some time talking about different careers and how each member of the class wishes to move forwards.

Physical education - During Life Orientation students are introduced to participating in a fitness programme and are encouraged to play various sports and games throughout Senior Phase. They will also participate in outdoor recreational programmes and learn to refine their performance in movement activities as well as take into account safety issues for each activity.

If a fad increases consumption of a particular good: (a) Demand for the good will increase, (d) Supply of the good will decrease, (e) The price of the good will rise, and (g) The quantity purchased of the good will get larger.

When a fad increases consumers' desire to consume a particular good, several outcomes can be expected. Firstly, the demand for the good will increase as more consumers express interest in purchasing it. This is due to the heightened popularity and perceived value associated with the fad.

Secondly, the supply of the good will likely decrease. Suppliers may face challenges in meeting the sudden surge in demand, especially if the production capacity or availability of resources is limited. As a result, the supply of goods may not be able to keep up with the increased demand.

Thirdly, the price of the good will tend to rise. With higher demand and limited supply, sellers can capitalize on the increased interest by raising prices. This is often seen as an opportunity to maximize profits and capture the willingness of consumers to pay a premium for the popular item.

Lastly, the quantity purchased of the good will tend to get larger. As more consumers are attracted to the fad, they are likely to buy larger quantities of the good to satisfy their increased desire to consume it. This higher demand and quantity purchased contribute to the overall market response to the fad.

In summary, when a fad increases consumers' desire for a particular good, the demand for the good increases, the supply decreases, the price tends to rise, and the quantity purchased tends to get larger.

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The gross profit reported by Rylant Corporation in the current year is $41,000.

The gross profit reported by Rylant Corporation in the current year can be calculated by subtracting the cost of goods sold (COGS) from the net sales.

To calculate the COGS, we need to determine the cost of the inventory that was sold. Since Rylant purchased $85,000 worth of used books as inventory, the COGS can be considered as $85,000.

Net sales represent the total revenue generated from the sales of inventory, which in this case is $126,000.

Gross profit = Net sales - COGS

Gross profit = $126,000 - $85,000

Gross profit = $41,000

Therefore, the gross profit reported by Rylant Corporation in the current year is $41,000. This represents the amount left after deducting the cost of the sold inventory from the revenue generated from those sales.

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Answer:

Explanation:

most like to live in : north korea

why ? i would would most like to live here because of the culture and food and the many places to see also because i've always wanted to see the different animals there and compare them from the ones where i'm from .

least like to live in : new zealand

because there winters are a negative -10c and im not for cold weather which is why i would rather not live in this area , but i do like the vast amount of mountains in the area they are beautiful.

Answer:

SIGNING THE BACK OF THE CHECK

Answer:

sorry po talaga need po points

Answer:

Explanation:

Consumer goods are products bought for consumption by the average consumer. ... Clothing, food, and jewelry are all examples of consumer goods.

If a person is 50 days late in in paying his/her credit card bills in that case, this mistake will be staying in credit card history for 7 years from the date of delinquency.

A credit card is a type of payment card that is issued to customers (cardholders) to allow them to reimburse a retailer for products and services according to the amount of debt they have incurred. The credit card issuer (often a bank or credit union) establishes a revolving account and offers the cardholders with a credit line from which they can draw funds to pay for transactions or receive a cash advance. 

Seven years following the initial date of the default, missed payments continue to appear on your credit card history. Although if you pay previous debts, the late payment will not be removed from your credit record for 7 years.

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Answer:

Limit your use!

Explanation:

The best way to reduce anything in life is to limit exposure to the thing. Social media is no different. Many apps are specifically designed to hook your brain on them by utilizing positive reinforcement, most obviously in the form of recieving validation, "likes" or "kudos". If you can sort of wean your brain off of the dopamine rush you recieve any time you receive that validation, it will be much easier to put the phone down and reduce your screen time overall.