Securitization helps lenders to make more loans to lesser-qualified customers.
What is secruitization?Securitization is when a line of credit is backed up by an asset owned by the borrower. Example of a secured loan is a mortgage loan. The loan is secured by the house of the borrower.
If the borrower defaults on the loan, the asset used to securitze the debt can be taken over by the lender.
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HELP ASAP!!!
An investment bank has a position vacant for the post of finance manager. Which three skills will they look for in their candidates?
A. creativity
B. decision making
C. teamwork abilities
D. quantitative data analysis
E. selling skills
Answer:
it ia A
Explanation:
Why do interest rates on loans tend to be lower in a weak economy than in a strong one?
a.
A weak economy tends to have low inflation, so interest rates drop to match.
b.
Borrowers in a weak economy are less likely to default on their loans, so interest rates are correspondingly low.
c.
In a weak economy there is less demand for credit, so the price drops.
d.
The strength or weakness of an economy is determined by interest rates; low interest rates actually cause a weak economy.
Answer:
Interest rates on loans tend to be lower in a weak economy because (c)In a weak economy there is less demand for credit, so the price drops.
Explanation:
Damian works at ulta. A customer approaches him and mentions they saw an advertisement for a new eyeshadow palette that just came out. Damian informs the customer that the store is sold out but will get a new shipment in two weeks. Damian also informs the customer the store has several eyeshadow palettes that are very similar and leads them to a product that he feels will meet their needs. Damian is engaging in _______.
Damian is a sales person at Ulta store. He guides his customer about the eyeshodow palette and help make him decision.
This is an example of Personal Selling.
Personal Selling:It is a technique in which a store has various salesperson who guides their customers by using their interpersonal skills. It is a face to face selling technique.
In this scenario Damian helps his customer to make a buy decision about an eye shadow palette. He guides his customer and tries to satisfy him with his marketing skills.
The correct answer is Personal Selling
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Which of the people or institutions listed exercises the most power over the quantity of money in the united states economy?.
The institutions that exercises the most power over the quantity of money in the united states economy is: The United States Federal Reserve.
United States Federal ReserveUnited States Federal Reserve is a financial institution located in the United States of America which sole responsibilty is to control the amount of money in circulation.
United States Federal Reserve play an important roles when it comes to money in the united states economy as they help to regulate money so as to maintain fiancial stabilty.
Inconclusion the institutions that exercises the most power over the quantity of money is: The United States Federal Reserve.
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Assume that in the year 2010, the US Nominal GDP was $15 trillion, while the GDP deflator was 200. Calculate the US Real GDP for 2010.
Assume that in the year 2010, the US Nominal GDP was $15 trillion, while the GDP deflator was 200. US Real GDP for 2010 is 7.5%.
Real GDPUsing this formula
GDP=Nominal GDP/GDP deflator×100
Where:
Nominal GDP=$15 trillion
GDP deflator=200
Let plug in the formula
GDP=$15 trillion/200×100
GDP=7.5%
Therefore US Real GDP for 2010 is 7.5%.
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As of 2019, Tom Craddick, the representative with the longest tenure of service, has served ______ years.
Answer: 50
Explanation: He is the longest tenure of service
A buyer or seller that is unable to affect the market price is called:.
HELPPP!!!
Discounting items on your restaurant’s menu has a time and place but should be done as frequently as possible.
A. True
B. False
While overall labor union membership has been declining over the last few decades, which type of workers has the highest percentage of union membership
The workers that have the highest percentage of union memberships are those in
educationtraininglibrary occupationsWhat is a labor union?This is a term that is used to refer to the labor unions that are formed in order to represent the workers that are in a country.
The unions are known to represent workers in terms of benefits, wages and labor hours.
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For firms engaged in international lending and borrowing, ____________________ can have an enormous effect on profits.
Another official wants to harvest timber in a more sustainable way. The official wants to assess individual trees and remove only the most economically valuable trees to help maintain the forest ecosystem. Propose a logging technique that would best meet these two goals.
The official can assess individual trees and remove only the most economically valuable trees to help maintain the forest ecosystem.
What is forest ecosystem?A forest ecosystem serves as the functional unit which comprises of soil, trees, insects, animals, birds and they interact together.
Therefore, to maintain most economically valuable trees , we need to maintain the forest ecosystem.
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Which term describes a form of informal training in which an experienced employee guides the work of a new employee?.
The terrm that describe a form of informal training in which an experienced employee guides the work of a new employee is called Mentoring.
What is mentoring?
Mentoring is when a person usually a senior level employee is assigned to give training to a junior employee in an organization. The aim is to help the new employee grow his or her skills and make better decisions
Here, the senior has more experience as it relates to the work, reason he or she is training the other employee.
Hence, the terrm that describe a form of informal training in which an experienced employee guides the work of a new employee is called Mentoring.
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As a young person, why is it important to have a free checking account, if possible?.
It is important to have a free checking account as a young person in order to keep one's money and avoid unnecessary spending.
What is a checking account?A checking account simply means a deposit account with a bank that allows the holder to make deposit.
In this case, it's important to have a free checking account as a young person in order to keep one's money and avoid unnecessary spending.
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Last year a country had exports of $100 billion, imports of $70 billion, and purchased $60 billion worth of foreign assets. What was the value of domestic assets purchased by foreigners
The calculation below shows that the value of domestic assets purchased by foreigners is $30,000.
Calculation of the value of domestic assets purchased by foreignersThe value of domestic assets purchased by foreigners can be calculated using the following formula:
Domestic assets purchased by foreigners + Exports = Foreign assets purchased + Imports ………… (1)
Substituting the relevant values into equation (1) and solving for Domestic assets purchased by foreigners, we have:
Domestic assets purchased by foreigners + $100 billion = $60 billion + $70 billion
Domestic assets purchased by foreigners = $60 billion + $70 billion - $100 billion
Domestic assets purchased by foreigners = $130 billion - $100 billion
Domestic assets purchased by foreigners = $30 billion
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Bond Discount, Entries for Bonds Payable Transactions On July 1, Year 1, Livingston Corporation, a wholesaler of manufacturing equipment, issued $46,000,000 of 20-year, 10% bonds at a market (effective) interest rate of 11%, receiving cash of $42,309,236. Interest on the bonds is payable semiannually on December 31 and June 30. The fiscal year of the company is the calendar year. Required: For all journal entries with a compound transaction, if an amount box does not require an entry, leave it blank. 1. Journalize the entry to record the amount of cash proceeds from the issuance of the bonds on July 1, Year 1. Year 1 July 1 fill in the blank d5f60d01dfe0075_2 fill in the blank d5f60d01dfe0075_3 fill in the blank d5f60d01dfe0075_5 fill in the blank d5f60d01dfe0075_6 fill in the blank d5f60d01dfe0075_8 fill in the blank d5f60d01dfe0075_9 2. Journalize the entries to record the following: a. The first semiannual interest payment on December 31, Year 1, and the amortization of the bond discount, using the straight-line method. (Round to the nearest dollar. ) Year 1 Dec. 31 fill in the blank 4cc83103403c031_2 fill in the blank 4cc83103403c031_3 fill in the blank 4cc83103403c031_5 fill in the blank 4cc83103403c031_6 fill in the blank 4cc83103403c031_8 fill in the blank 4cc83103403c031_9 b. The interest payment on June 30, Year 2, and the amortization of the bond discount, using the straight-line method. (Round to the nearest dollar. ) Year 2 June 30 fill in the blank 532360023fd8f84_2 fill in the blank 532360023fd8f84_3 fill in the blank 532360023fd8f84_5 fill in the blank 532360023fd8f84_6 fill in the blank 532360023fd8f84_8 fill in the blank 532360023fd8f84_9 3. Determine the total interest expense for Year 1. Round to the nearest dollar. $fill in the blank 24bbf0f8207505a_1 4. Will the bond proceeds always be less than the face amount of the bonds when the contract rate is less than the market rate of interest? 5. Compute the price of $42,309,236 received for the bonds by using
The entry to record the amount of cash proceeds onJuly1 is:Debit Cash $42,309,236;Debit Discount on Bond payable $3,690,764;Credit Bonds payable $46,000,000.
Journal entries1. July 1
Debit Cash $42,309,236
Debit Discount on Bond payable $3,690,764
($46,000,000-$42,309,236)
Credit Bonds payable $46,000,000
2a. December 31
Debit Interest Expense $2,327,008
($42,309,236×11%/2)
Credit Discount on Bond payable $27,008
Credit Cash $2,300,000
($46,000,000×10%/2)
2b. June 30
Debit Debit Interest Expense $2,328,493
[($42,309,236+$27,008)×11%/2]
Credit Discount on Bond payable $28,493
Credit Cash $2,300,000
($46,000,000×10%/2)
3. Total interest expense for Year 1=$42,309,236×11%/2
Total interest expense for Year 1=$2,327,008
4. Yes, because investor will not pay the face amount of the bonds in a situation were the interest payment received from the bonds is lower than the interest they could have receive if they invested in other bonds.
5. Proceeds of bonds issue
Present value of $1 at 5.5% semiannual rate 0.11746×Face amount of bonds $46,000,000=$5,403,160
Present value of annuity of $1 at 5.5% semiannual rate 16.04612×Semiannual interest payament $2,300,000=$36,906,076
Proceeds of bonds issue $42,309,236
($5,403,160+$36,906,076)
Inconclusion the entry to record the amount of cash proceeds onJuly1 is:Debit Cash $42,309,236;Debit Discount on Bond payable $3,690,764;Credit Bonds payable $46,000,000.
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Tristan promises to paint Katy's house in exchange for Lila's promise to plant trees on Tristan's property. This is
The third-party beneficiary contract was entered when Lila promise to plant trees on Tristan's property.
What is a third-party beneficiary contract?A third-party beneficiary serves as the type of contract whereby a benefit from a contract is been made between two parties.
In this contract, the beneficiary may have a right to compensation if the contract is not fulfilled.
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Which of the following would be true, "If price for a product declines, then............."
A. Demand decreases
B. Demand is not affected
C. Consumers find alternatives
D. Demand increases
In the nation of Wiknam, the money supply is $80,000 and reserves are $18,000. Assuming that people hold only deposits and no currency, and that banks hold no excess reserves, then the reserve requirement is
In the nation of Wiknam, when the money supply is $80,000 and reserves are $18,000, then the Required reserve ratio is 22.5%.
What is money supply?The money supply is the term that is used in the macroeconomics. It refers to the total amount of currency held by the public at any given time.
There are a variety of methods to define “money,” but the most common indicators are currency in circulation and demand deposits. People hold no currency and bank holds no excess reserve.
Computation of Required reserve ratio:
According to the given information,
Money Supply = $80,000
Reserves = $18,000
Firstly, apply the formula of money supply:
[tex]\text{Money Supply}= \text{Money Multiplier} \times \text{Reserve}\\\\ \text{Money Multiplier}= \dfrac{\text{Money Supply}}{\text{Reserve}}\\\\\text{Money Multiplier}= \dfrac{\$80,000}{\$18,000}\\\\\text{Money Multiplier}=4.44[/tex]
Now, as we know that:
[tex]\text{Money Multiplier} = \dfrac{1}{\text{Required Reserve Ratio}}\\\\\text{Required Reserve Ratio} = \frac{1}{\text{Money Multiplier}}\\\\\text{Required Reserve Ratio} =\dfrac{1}{4.44}\\\\\text{Required Reserve Ratio}= 0.225\\\\\text{Required Reserve Ratio}= 0.225 \times 100\\\\\text{Required Reserve Ratio} = 22.5\%[/tex]
Therefore, required reserve ratio is 22.5%.
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Fixed costs Blank______. Multiple choice question. remain at the same level despite changes in production are not important to setting prices for products and services are only as fixed as production volume go up and down regardless of changes in production
In accounting, the Fixed costs does not change and remain at the same level despite changes in production.
What is a Fixed costs?This is a cost which does not change when there is an increase/decrease in the number of goods or services produced.
Hence, its does not change and always remain at the same level despite changes in production.
Therefore, the Option A is correct.
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What is the percentage of Internet searches conducted via mobile phones?
89%
77%
over 50%
under 40%
Answer:
Over 50%
Explanation:
Globally, 68.1% of all website visits in 2020 came from mobile devices—an increase from 63.3% in 2019
When a country that imported a particular good abandons a free-trade policy and adopts a no-trade policy,.
Answer: When a country allows trade and becomes an importer of a good,. domestic producers become worse off, and domestic consumers become better off.
Hope it helps !
A specialized accounting book in which information is accumulated into specific categories and posted so managers can find all information about one account in the same place is a.
A specialized accounting book for accumulating and posting business transactions into specific categories is a ledger.
What is a ledger?A ledger is a specialized accounting tool. It can also be described as a financial book or computer program.
In the ledger, information from accounting journals is accumulated and posted into specific categories matching the type of accounts.
From the ledger, the trial balance is extracted, which forms the basis for preparing the financial statements that show an entity's financial profitability and position.
Thus, a specialized accounting book for accumulating and posting business transactions into specific categories is a ledger.
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What is the current price of a $1,000 par value bond maturing in 12 years with a coupon rate of 14 percent, paid semiannually, that has a ytm of 13 percent?.
The current price of a $1,000 par value bond maturing in 12 years with a coupon rate of 14%, paid semiannually, and a YTM of 13% is $1,899.31.
How is the price of bonds calculated?The price of bonds can be computed using the present value formula of all future cash flows.
The present value table can also be used. Here, we have used the present value calculator from an online finance calculator, as below.
Data and Calculations:N (# of periods) = 24 (12 x 2)
I/Y (Interest per year) = 13%
PMT (Periodic Payment) = $140
FV (Future Value) = $1,000
Results:
PV = $1,899.31
Sum of all periodic payments = $3,360 ($140 x 24)
Total Interest $2,460.69
Thus, the current price of a $1,000 par value bond maturing in 12 years with a coupon rate of 14%, paid semiannually, and a YTM of 13% is $1,899.31.
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Alicia has been working for ten years. She has not invested her money yet, and the company she works for offers a
401(k). She has saved up $5,000 and could set aside $150 per month for saving or Investing. Using the principles and
strategies of saving and Investing, create an outline of a diversified saving and investing plan.
A diversified saving and investing plan should start with establishing an emergency fund.
This fund should cover at least three to six months' worth of expenses and should be kept in a high-yield savings account or a money market account. After establishing an emergency fund, the next step would be to contribute to a 401(k) if available. If not, consider opening an individual retirement account (IRA) and contribute regularly.
In addition to retirement accounts, consider investing in a diversified portfolio of stocks, bonds, and mutual funds. This can be done through a brokerage account or a robo-advisor. It is important to spread investments across various asset classes and industries to minimize risks. Regularly review and adjust investments to maintain a balanced portfolio.
Lastly, it is important to continually educate oneself on the principles and strategies of saving and investing. Stay informed of market trends and economic indicators to make informed decisions. By setting aside $150 per month, she can gradually build a diversified portfolio and secure her financial future.
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Coupons, discounts, freebies, and rebates are all examples of _______.
Answer:
consumer sales promotions
Explanation:
:) Hope this helps
Answer:
its consumer sales promotions
Explanation:
i got it right
Programs designed to create a workplace that enhances employee well-being are referred to as ________ programs.
Answer: quality of work life programs
I hope this helps :D
You have a hardcopy of a report that you found some errors on that must be corrected. The report is three pages long and you have about 20 minutes before a meeting you must attend to present the report. Unfortunately, the report was created on your laptop at home and you have no way of getting to it quickly. What is your best option
Answer:
important files like that should be saved on a flash so if did you can borrow a computer and correct it.
What does an effective food defense program accomplish?.
Answer:
The system will be able to detect pathogens in food, identify their source, and contain the contamination. It also includes prevention measures such as cooking practices, personal hygiene, and sanitation. Effective food defense systems will help to reduce the risk of foodborne illnesses.
The effective food defense system will be able to identify pathogens in food and identify their source as well as the source of contamination. Cooking practises, personal hygiene, and sanitation are also included as prevention measures. Foodborne illness risks can be reduced with effective food defence systems.
Food security, nutrition, and safety are all inextricably linked. Every year, an estimated 600 million people – nearly one in every ten people in the world – become ill after eating contaminated food, and 420 000 die, resulting in a loss of 33 million healthy life years (DALYs).
Each year, low- and middle-income countries lose US$ 110 billion in productivity and medical costs as a result of unsafe food. Children under the age of five account for 40% of the foodborne disease burden, with 125 000 deaths each year. Foodborne diseases stymie socioeconomic development by taxing health-care systems and wreaking havoc on national economies, tourism, and trade.
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“The Reserve Bank of Australia declared it would stop buying government debt”. Discuss, in terms of fiscal policy, how government debt can be a problem and how interest rates affect government debt.
When it comes to fiscal policy, it can be a problem if government debt is no longer purchased as the government will turn to taxes for funding or reduce spending.
Government debt is affected by interest rates in that when rates are higher, the government borrows less.
What is the effect of government debt on fiscal policy?If the government decides to stop buying government debt as is the case with Australia, it means that the government will either reduce its spending, or increase taxes.
Both of these things will lead to a lower economic growth and so are not desired. The government however, might be forced to reduce borrowing due to high interest rates that make borrowing more expensive.
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____________ packaging is for shipping purposes, while _____________ packaging carries legal and labeling information.
Tertiary packaging is for shipping purposes, while secondary packaging carries legal and labeling information.
What is packaging?Packaging is defined as the science, technology and art of enveloping or protecting commodities for storage, distribution, use, and sale. Packaging also means the activity of evaluating, designing and making packages.
Types of packaging:
There are three types of packaging:
Primary PackagingSecondary PackagingTertiary packaging.Primary packaging is the packaging of the internal products, Secondary packaging contains legal and labeling information, whereas tertiary packaging is used for shipment.
Therefore, packaging is important for the product to make it safe.
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