Debtors are granted some measures or rights. The option that is not a legal right of a debtor is right to declare bankruptcy.
A lot of creditors often do not obey simple rules, and thus uses some kind of deceptive or intimidating actions so as to recover money they are owed. A lot of creditors often uses threats of violence in trying to recover debt.In the State of California’s Rosenthal Act, one, as a debtor, is known to have the right to be free from harassing letters and calls from creditors and collection agencies because of unpaid debt.
it is known to stop creditors from constantly disturbing one at home or sending threatening letters on a regular basis.
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Answer:
A. The right to ignore persistent calls from a debt collector
Explanation:
The _____________ and ______________ provide specific guidelines regarding minimum identification requirements for clients who complete applications for financial products.
Based on existing rules and regulations, the Truth in Lending Act and Truth in Savings Act provide specific guidelines regarding minimum identification requirements for clients who complete applications for financial products.
The purpose of the Truth in Lending Act & Truth in Savings ActThe United States government explicitly made the Truth in Lending Act & Truth in Savings Act to enable customers or citizens to make informed financial decisions precisely when making applications for financial products.
It also requires financial institutions like banks to provide to consumers disclosures on terms and costs relating to deposit accounts, savings, and lending.
Hence, in this case, it is concluded that the correct answer is "Truth in Lending Act and Truth in Savings Act."
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$1,000 par value zero coupon bonds, ignore liquidity premiums Bond Years to maturity Yield to Maturity A 1 6.00% B 2 7.50% C 3 7.99% D 4 8.49% E 5 10.70% The expected one-year interest rate three years from now should be about _________. 8.00% 7.00 % 9.00% 10.00%
Help help businesses please please
Answer:
C
Explanation:
LRAS would shift left because there would be fewer workers available to produce goods at any given price. however sras is capable of shift left and right.
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Select the correct answer
What type of income is received through rent?
A. earned income
B. passive income
C. portfolio income
D. business income
Answer:
earned income is received through rent
Help help help help help help
Answer:
37%
Explanation:
I did the division 290/780*100. Mark brainliest if this answer helped you
Jerome is assisting with strategic planning for his organization's information system. He knows that information system organizational strategy is influenced by four main drivers: _____. a. corporate strategy, business unit strategies, innovative thinking, and technology innovations b. technologies, competencies, people, and projects c. strategic planning focus, information system goals, business unit strategy, and typical projects d. decision-making frameworks, focus of resource use, business opportunities, and communication among management and other personnel
Jerome is assisting with strategic planning for his organization's information system. He knows that information system organizational strategy is influenced by four main drivers: d. decision-making frameworks, focus of resource use, business opportunities, and communication among management and other personnel.
The information system is introduced in companies that want to change their methods of operations, goals, products, and services to meet up to their competitions or supersede them.
To successfully achieve these objectives, the resources, business strategies, decision-making framework, and communication should be strengthened to implement the Information system
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Evaluating debt burden. Ted Phillips has a monthly take-home pay of $1,685; he makes payments of $410 a
month on his outstanding consumer credit (excluding the mortgage on his home). How would you
characterize Isaac's debt burden? What if his take-home pay were $850 a month and he had monthly credit
payments of $150?
According to the the question, the debt safety ratio is 24.33% on the payment of $410 where on the payment of $150 the debt safety ratio is 17.65%.
What do you mean by the debt safety ratio?While your debt safety ratio measures your monthly consumer debt payments to your monthly take-home pay, your debt service ratio compares your total monthly loan payments to your gross monthly income.
This ratio primarily considers debt commitments, such as your mortgage, instalment, and personal responsibilities, that will not be paid off by the minimum needed payments within the next 10 months, and ignores current liabilities.
Debt safety ratio = Total monthly credit payment / monthly take home pay.
Therefore,
On the monthly credit payment = $ 410
Monthly take payment = $ 1685
Debt safety ratio = 410 / 1685 = 0.2433 = 24.33%.
Here,
On the monthly credit payment = $ 150
Monthly take payment = $ 850
Debt safety ratio = 150 / 850 = 0.1765 = 17.65%.
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Which of the following marketing messages are consumers most likely to trust?
A. A TV commercial
B. An article about the company in a city newspaper
C. An Internet advertisement
D. A phone conversation with an employee of the company
Please select the best answer from the choices provided
Ο Α
B
ОООО
OD
Answer:
as a consumer myself, I would most likely trust an article about the company in the city newspaper or a conversation with an employee
Explanation:
The following information relates to last year's operations at the Legumes Division of Gervani Corporation: Minimum required rate of return 6% Return on investment (ROI) 6.8% Sales $ 870,000 Turnover (on operating assets) 2 times What was the Legume Division's net operating income last year
Based on the information given, Legume Division's net operating income last year will be $29580.
Firstly,we will calculate the turnover which will be:
= Sales / Operating costs
= $870000 / 2
= $435000
The return on investment will be:
= Net operating income / Operating assets
Therefore, the net operating income will be:
= $435000 × 6.8%
= $29580
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The Legume Division's net operating income last year was $29,580.
What is the net operating income?The net operating income is the income after deducting the cost of goods sold and operating expenses from sales revenue.
Data and Calculations:Minimum required rate of return = 6%
Return on investment (ROI) = 6.8%
Sales revenue = $870,000
Turnover on operating assets = 2 times
Operating assets = $435,000 ($870,000/2)
Net operating income = ROI x Operating Assets
= $29,580 ($6.8% of $435,000)
Thus, the Legume Division's net operating income last year was $29,580.
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Xavier needed a new business credit card. After evaluating many choices, he decided to sign up for an American
Express Delta Air Lines card. Within a few moments of his online signup and approval, Xavier received two emails.
The first email included his account information and a link to take a survey to give feedback about his account sign
up experience. The second email pointed him to a social media video that walked him through his new benefits,
showed him how to navigate the website, answered basic questions a new customer may ask, and showed him
how to sign up for account alert emails. American Express's marketing team created an easy way to reinforce a
customer's "purchase" decision. Which IMC tools were used to facilitate this process?
a
Integrated Marketing Communications is often used in marketing. The IMC tools that were used to facilitate this process is email, survey and social media.
Integrated Marketing Communications os known to be described as putting together or the integration of marketing tools examples advertising, online marketing, etc.They are known to be promotional tools that are said to be very effective when they used together.
IMC seeks to make a stress-free experience for its customers. The Tools of Integrated Marketing Communications includes
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Which of these statements about game design is FALSE?
Game design involves
incorporating user feedback to
improve the platform.
Games design is not a STEM
career because it is just about
making entertainment.
Game design is iterative.
Game design requires many team
members with lots of different
areas of expertise.
When it comes to game design, it is false to say that Games design is not a STEM career because it is just about making entertainment.
Game design:
Incorporates the feedback of users to make better games. Is quite iterative. Requires that many different people from different careers work in different teams.Game design is a STEM career because it requires people with expertise in science, technology, and engineering. It would be false to say that these careers are not present in game design.
In conclusion, option B is correct.
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Jack is a 74-year-old, single taxpayer whose income consists of $10,000 in wages and $31,000 in social security benefits. The maximum amount he can contribute to a Roth IRA for 2019 is: A) $0 B) $6,000 C) $7,000 D) $10,000
Based on his age and income, the maximum that Jack is able to contribute to a Roth IRA in 2019 is C. 7,000.
In the year 2019, tax laws were such that:
$6,000 was the maximum to be contributed to Roth IRA. $1,000 could be contributed in excess by those above the age of 50.As Jack is above the age of 50, he can contribute an extra $1,000 over the limit which puts him at:
= 6,000 + 1,000
= $7,000
In conclusion, Jack can contribute a maximum of $7,000.
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A broker found a ready, willing, and able buyer who offered full price for a home.
The seller refused to sell because the buyer was a minority. The broker could
legally do all except:
Sue for his commission.
Inform the prospective buyer that help may be available from HUD.
Inform the seller that a possible violation of Federal Fair Housing Laws has occurred.
Show the property only to non-minorities per the seller's instructions.
There are different reasons why people take decisions. The broker could
legally do all except Sue for his commission.
A seller may rejects an offer due to different reasons. Sellers often doo have several options when they are receiving a bid for their property. It is better to make a counteroffer with revisions when your offer is being rejected.
A seller is known too be able to counter and ask for changes to the fastesr money deposit, purchase price etc. In the above scenario, the Sue for his commission is not necessary in this case.
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6.You now have the agreement with the company and will sign the contract as you and the company are satisfied with the contract agreement. Of course, this is will be your first step to build a strong relationship between you and your employer. Your manager will know more about you. This represent which of the negotiation process element?
A- Gather information
B- Manage concessions
C- Manage time
D- Build the relationship
7.You and the other party have either come to an agreement on the terms, or one party has decided that the final offer is unacceptable and therefore must be walked away from. Most negotiators assume that if their best offer has been rejected, there’s nothing left to do. You made your best offer and that’s the best you can do. This represent which of the negotiation process element?
A- Gather information
B- Manage concessions
C- Manage time
D- Build the relationship
8.Assemble the information you’ve gathered in a way that supports your position. You can present facts that show what you will contribute to the organization in the future, which in turn demonstrates your value. This represent which of the negotiation process element?
A- Gather information
B- Manage concessions
C- Manage time
D- Build the relationship
A- Gather information
B- Manage concessions
C- Manage time
D- Build the relationship
7.You and the other party have either come to an agreement on the terms, or one party has decided that the final offer is unacceptable and therefore must be walked away from. Most negotiators assume that if their best offer has been rejected, there’s nothing left to do. You made your best offer and that’s the best you can do. This represent which of the negotiation process element?
A- Gather information
B- Manage concessions
C- Manage time
D- Build the relationship
8.Assemble the information you’ve gathered in a way that supports your position. You can present facts that show what you will contribute to the organization in the future, which in turn demonstrates your value. This represent which of the negotiation process element?
A- Gather information
B- Manage concessions
C- Manage time
D- Build the relationship
What is a "strategic move"?
A strategic move is
1) the outcome of a game in which each player is doing the best it can regardless of what its competitors are doing
2) a commitment to reduce one's options
3) an action that obeys the rules of the game
4) a strategy that is optimal no matter what an opponent does.
5) a value associated with a possible outcome
Answer:
four
Explanation:
The answer is four because the dictionary definition is "in order to gain a strategic advantage and increase one's payoff." If you have an advantage than it doesn't matter what your opponent does. So there for the answer is #4.
This year Andrews achieved an ROE of 30.2%. Suppose next year the profit margin (Net Income/Sales) increases. Assuming sales, assets and financial leverage remain the same next year, what effect would you expect this action to have on Andrews's ROE
It Is expected that Andrew's ROE would increase.
ROE is a short form of return on equity. ROE is a profitability ratio. It measures the ability of a firm to generate profits from its asset
Return on equity = net income / average total equity
ROE can be decomposed into:
ROE = profit margin x asset turnover x financial leverage
ROE = (Net income / Sales) x (Sales/Total Assets) x (total asset / common equity)
If, profit margin increases, ROE would also increase.
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Refer to Figure 33-2. A decrease in taxes would move the economy from Q to
a) P in the short run and the long run
b) R in the short run and the long run
c) P in the short run and O in the long run
d) R in the short run and Q in the long run
A decrease in taxes would move the economy from Q to P in the short run and O in the long run. Thus, option D is correct.
What is an economy?Economics seems to be the science of how individuals and groups allot limited resource for output, allocation, and consumer. Both micro and macro are really the two subfields of economic. Performance in trade and producing is the main concern of finance.
This graph shows the change that has been taking a long with respect to the change in quantity or the change in price.
The following graph there is shown a change from the long run to short run. As the economy has decreased the amount of taxes. Therefore point Q will be shifted to point P which will be regarded as a short run time period. And in long run, it will be changed to o.
Therefore, option D is the correct option.
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What role do you think Netflix and social media
played in popularizing Marie Kondo? Do you think
the popularity of the show "Tidying up with Marie
Kondo' is based on Marie Kondo only, or would any
other personality achieve similar results?
Netflix and social media played an important role in popularizing Marie Kondo.
Yes, Netflix and social media played an important role in popularizing Marie Kondo because the program of Marie Kondo is viewed by million of people across the world through the Netflix and social media and people are loving it which increase the popularity of Marie Kondo.
In my opinion the popularity of the show "Tidying up with Marie Kondo' is based on Marie Kondo only because the people know the method through this program and in my knowledge there is no one that achieve the same result so we can conclude that Netflix and social media played an important role in popularizing Marie Kondo.
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If the reserve requirement is 25%, a new deposit of $1,000 leads to a potential increase in the money supply of
Based on the information given regarding the reserve requirements, there'll be an increase in the money supply by $4000.
A reserve requirement simply means a regulation by the Central Bank where commercial banks set a minimum amount that must be held in liquid assets.
Since the reserve requirement is 25%, a new deposit of $1,000 leads to a potential will lead to an increase in the money supply of $4000. This was calculated thus:
= $1000 / 25%
= $1000 / 0.25
= $4000
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- Assume the company can experience the following return with the following probability
Scenario probability Expected return
A 0.2 +30%
B 0.3 +15%
C 0.1 -10%
D ? -20%
i- Compute the expected return.
ii- Compute the expected value of $2000 investment over a coming year.
iii- Compute the standard deviation of the percentage return over the coming year iv- If the risk-free return is 7 percent, what is the risk premium for a stock market investment
i. The expected return is 1.5%.
ii. The expected value of $2,000 is $30 ($2,000 x 1.5%).
iii. The standard deviation of the percentage return = 0.085 ([tex]\sqrt{0.007175}[/tex]) or 8.5%.
iv. If the risk-free return is 7 percent, the risk premium for a stock market investment is 1.5% (8.5% - 7%).
Data and Calculations:
Scenario Probability Expected Expected Variance Squared
Return Value Variance
A 0.2 +30% 0.06 0.045 0.002025
B 0.3 +15% 0.045 0.03 0.0009
C 0.1 -10% -0.01 -0.005 0.000025
D 0.4 -20% -0.08 -0.065 0.004225
0.015 0.007175
D's probability = 0.4 (1 - (0.2 + 0.3 + 0.1) or 40%
Expected return = (0.2 x 0.3 + 0.3 x 0.15 + 0.1 x -0.10 + 0.4 x -0.20)
= (0.06 + 0.045 - 0.01 - 0.08)
= 0.015
= 1.5%
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Lexie, a marketing manager, regularly interviews candidates for her team. Because Lexie is a
people person, and her department is built on teamwork, when she interviews candidates for a
job, she tries to get to know the candidates as people. She always begins by saying, "Tell me
about yourself," and based on what the candidate says, she lets the conversation unfold for 30
to 60 minutes per session.
Questions
i) How does Lexie’s current interview technique limit her effectiveness as an interviewer?
[3 marks]
ii) Lexie also wishes to contact people or organizations as referees for job candidates to fill
strategic positions in the organizations. Discuss two to three limitations of referee reports
placed on management or organizations for job candidates. How do organizations cope
with this burden?
[4 marks]
iii) The human resource department at Lexie’s organization is preparing to formulat
Lexie's interviews are not as effective because she does not care about the professional training of the people she will hire, which can have serious consequences on the operation of the company. On the other hand, the referral system would also hinder the operation of the company because the skills or abilities of the employees are not verified.
When we do a recruitment process, we must have several aspects in common to hire or dismiss a job applicant. Among the aspects that must be taken into account are:
Work experience.Vocational training.Other experiences.Following the foregoing, the person in charge of the selection process must objectively select the candidate who best fits a job based on her experience or professional training.
According to the above, Lexie is limiting her liability because she only looks at aspects of the applicants' personal lives without evaluating their ability to perform a job. Additionally, you should carry out some tests on the applicants to verify their work capabilities.
On the other hand, in the referral system, she has several limitations because she accepts the criteria of another individual or organization to hire a person without herself evaluating him to fit the job that she requires.
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Intermediaries are businesses involved in selling the goods and services of producers to consumers and other businesses.
b. False
a. True
Answer:
A.true
am i right
Explanation:
correct me if im wrong
thanks
loveya
while calculating the coefficient of correlation between two variables x and y, the following results were obtained: n=25,
Answer:
therefore,the domain of the logarithmic function y=x is the set of positive real number and the range is the set of rwal number.
The circular flow of income model shows
a. that consumers demand products and supply resources.
b. that producers supply products and demand resources.
c. that the two basic institutions of households (consumers and businesses (producers) are each demanders and suppliers.
d. that the real flow and the money flow are in opposite.
e. all of the above
Answer:
e. all of the above
the correct answer is letter C:)
Hope it's help!! :))
happy sunny or night
Help help help help help help
the answer I think is c
Explanation:
for the reason I have no clue I just joined and said to do this so just ignore me
Help help hep pelsss straightforward answer ASAP I’ll give points I need to pass class
Answer:
C. 1
Explanation:
C. 1
This SKU has an inconsistent product classification with the ASIN. Please submit a feed to update this SKU to match the ASIN product classification
It should be noted that a stock-keeping unit (SKU) means a scannable bar code that is usually seen on product labels that are in a retail store.
Your information is incomplete. Therefore, an overview of SKU will be given. The stock-keeping unit (SKU) allows vendors to be able to track the movement of their inventory.
On the other hand, ASIN stands for Amazon Standard Identification Number. It is a ten letters unique identifier for a product that is given by Amazon.
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help pls im having trouble understanding this question
Help help help help bell businesses
Question
Monetary policy can be either expansionary (growing)or contractionary (becoming smaller).
what is the purpose of expansionary monetary policy?
Answer:
C. to increase real output in the economy
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carryonlearing
cost of good s sold RS 80700 opening stock RS 5800 closing stock RS 6000.what is the amount of purchase ?
Answer：80900
Explanation:
Inventory at the beginning of the period = COGS + Inventory at the end of the period-Purchase
5800=80700+6000-P