suppose that lenders want to receive a real rate of interest of 5%, and that they expect inflation to remain steady at -1% in the coming years. based on this, lenders should charge a nominal interest rate of %.

Answers

Answer 1

If you as a borrower receive a $100 loan at a rate of 5%, you can anticipate paying an interest fee of $5. Inflation has been accounted for by marking up the rate.

What Is Nominal Interest Rate?

The interest rate before accounting for inflation is referred to as the nominal interest rate.

The short-term nominal interest rate that serves as the foundation for other interest rates imposed by banks and other financial institutions is the federal funds rate, which is established by the Federal Reserve.

Investors look at the real interest rate rather than the nominal interest rate to prevent inflation from eroding purchasing power.

Real interest rates can be used to account for the effects of inflation. This real interest is what the lender actually receives in the case of a loan. The (effective) real rate of interest, for instance, is zero if the lender receives an interest rate of  8% loan and inflation is also 8%. In this case, despite receiving a higher nominal amount of currency, the lender would not benefit financially from the loan because each unit of currency would lose value due to inflation by the same percentage as the nominal amount did.

To read more about nominal interest rate visit:

https://brainly.com/question/13324776

#SPJ4


Related Questions

a market where no single buyer or seller can influence the price is a: group of answer choices competitive market. factor market. seller's market. buyer's market.

Answers

No single decision maker has any impact over the market pricing because each buyer and seller is insignificant in comparison to the entire market.

A market that allows for free access and leaves is said to be competitive. This implies that every party has the freedom to enter, operate in, and quit the industry. In other words, neither a party nor a company has a significant enough stake in the sector to act as a gatekeeper.

Furthermore, prices cannot be unilaterally established by any business because they are governed by the forces of supply and demand.

The market price is not influenced by any one decision-maker.

learn more about "Market Pricing" here https://brainly.com/question/17205622

#SPJ4

T/F the money multiplier process also works in reverse when a loan is repaid and the amount of money that is destroyed is equal to the loan repayment times the money multiplier.

Answers

When a loan is repaid, the money multiplier mechanism also acts in reverse, resulting in the destruction of an amount of money equal to the loan payback multiplied by the true value of the money multiplier.

What does term of repayment mean?

The time frame from the first point on credit to the transaction's eventual maturity is referred to as the "repayment term." The accomplishment of the exporter's obligation under the export contract is often the starting point of credit ..

What loan repayment means?

Repaying a loan involves paying back the money you received from a lender plus any relevant interest. The repayment plan often consists of a set process (referred to as a loan payback schedule) inside the form of equivalent monthly instalments, or EMIs.

To know more about repayment visit:

brainly.com/question/29539111

#SPJ4

On average, a black worker earns about cents for every dollar earn by his/her white counterpart.

Answers

The average yearly wage for African Americans in the United States as of December 15, 2022, is $78,975. That comes out to about $37.97 an hour, in case you need a quick pay calculator.

What does the typical white male earn annually?

In 2021, the median income in the US was $69,717. Top paying positions: The best paid jobs in 2021 were chief executives and nurse anesthetists, who both made over $200,000. US earnings by gender: In 2021, the median male wage was $50,391, which was 27% greater than the median female wage of $36,726, which was.

What will a Black man make on average in 2022 in America?

Black men's median weekly wages were $922, or 77.3 percent, less than White men's median weekly earnings ($1,192).

To Know more about  median income

https://brainly.com/question/14708489

#SPJ4

rolf, a citizen of new mexico, wants to file a suit against sandy, a citizen of texas. their diversity of citizenship may be a basis for

Answers

Rolf, a resident of New Mexico, intends to sue sandy, a resident of Texas. Because of their diversity of citizenship, a federal court might be able to exercise original jurisdiction over them.

What type of jurisdiction does the federal court exercise?

Cases involving the United States government, the Constitution or federal statutes, including disputes between states or between the U.S. government and foreign governments, fall under the purview of federal courts.

In common law legal systems, a court's original jurisdiction is its authority to hear a case for the first time, as opposed to an appellate court's authority to review a lower court's ruling.

District courts, which are the trial court, circuit courts, which are the first level of appeal, and the Supreme Court of the United States, which is the ultimate level of appeal in the federal system, are the three primary levels of the federal court system.

To know more about original jurisdiction, refer:

https://brainly.com/question/10456195

#SPJ4

Complete Question:

Rolf, a citizen of New Mexico, wants to file a suit against Sandy, a citizen of Texas, relating to a motorcycle accident in which Rolf's injuries resulted in medical costs of more than $75,000. Their diversity of citizenship may be a basis for

if management can estimate the amount of loss that will occur and the likelihood of the loss reasonably possible a contingent liability should be

Answers

Contingent liability, sometimes referred to as oblique liability, is a accountability that happens based on the consequence of a particular tournament that gives insurance for losses to a 1/3 birthday party for which the insured is vicariously liable.

What is meant through contingent liabilities?

Description: A contingent liability is a legal responsibility or a viable loss that may additionally manifest in the future depending on the effect of a precise event. Potential lawsuits, product warranties, and pending investigation are some examples of contingent liability.

Is contingent liability a contemporary liability?

Current and contingent liabilities are each necessary financial things for a business. The most important distinction between the two is that a modern-day liability is an quantity that you already owe, whereas a contingent liability refers to an quantity that you could potentially owe depending on how positive activities transpire.

Learn more about current liability here:

https://brainly.com/question/14921529#SPJ4

Communicating Effectively
Posttest
You work as an administrative assistant in an engineering firm. A co-worker constantly makes fun of the
engineers by whispering comments to you about the engineers' appearance and behavior.
Read the following possible courses of action and decide which is the BEST way to handle the situation
and which is the WORST way to handle the situation.
1. Make fun of the co-worker behind his back to get back at him.
2. Avoid the co-worker and suggest others do the same until he stops making comments.
3. Tell the engineers exactly what the co-worker says about them.
4. Confront the co-worker and tell him to stop making fun of the other people.
Which is the BEST way to handle the situation?
Option 1
Option 2
Option 3
Option 4
>
Which is the WORST way to handle the situation?
Option 1
Option 2
Option 3
Option 4

Answers

The Best way to handle the situation or communicate effectively the problem is Confront the co-worker and tell him to stop making fun of the other people. The Worst way to handle the situation is Avoid the co-worker and suggest others do the same until he stops making comments.

Thus, the best way is option 4 and worst way is option 2.

What is effective communication?

The process of exchanging ideas, opinions, knowledge, and facts in order to ensure that the message is received and understood with clarity and purpose is known as effective communication. The sender and the receiver are both delighted when we communicate successfully.

You work as an administrative assistant in an engineering firm. A co-worker constantly makes fun of the engineers by whispering comments to you about the engineers' appearance and behavior. Confronting the the co-worker and telling him to stop making fun of the other people is the effective communication for the situation and avoiding  the co-worker and suggest others do the same until he stops making comments is the worst way to deal with the situation

Therefore, Option 4 and 2 are the correct answers.

Learn more about effective communication here:

https://brainly.com/question/1423564

#SPJ1

a classified income statement showed net sales of $455,000, cost of goods sold of $192,000, and total operating expenses of $169,000 for the fiscal year ended june 30, 20x1.

Answers

There was a $243,000 profit on sales. For the purpose of reporting financial and tax information, a company uses a fiscal year, a 12-month accounting period.

What is an example of a fiscal year?

For instance, the fiscal year 2023 runs from July 1, 2022, through June 30, 2023. The divisions into which each fiscal year is further split are referred to as "fiscal periods." For additional information about UCI's fiscal years, keep reading.

Why do businesses employ fiscal years?

Retailers can produce the proper financial report for tax purposes by choosing January as their fiscal year. A fiscal year is frequently used by seasonal enterprises to aid with bookkeeping. For instance, some firms receive the majority of their earnings during the springtime while paying their costs in the winter.

Briefing:

$435,000 − $192,000 = $243,000

To know more about fiscal year visit:

https://brainly.com/question/15875620

#SPJ4

Which of the following is NOT a tool the Fed uses to manage the money supply?
A) open market operations
B) discount policy
C) deposit insurance
D) reserve requirements

Answers

Deposit Insurance is not a tool the Fed uses to manage the money supply. Deposit Insurance is a system in which the government insures deposits made in banks and other financial institutions up to a certain amount. The purpose of this insurance is to protect depositors from losses if the bank fails. This is an important benefit to consumers, as it provides them with some financial security in the event of a bank failure.

The Fed does not directly manage Deposit Insurance. This is the responsibility of the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the federal government that is responsible for insuring the deposits of banks and other financial institutions up to a certain amount. It is also responsible for examining and supervising banks and other financial institutions to ensure they are operating safely and soundly.

To know more about money supply click here

https://brainly.com/question/28891105

#SPJ4

individuals that provide general oversight of the corporation but do not necessarily own it or run its day-to-day operations are known as the corporations:

Answers

Individuals that provide general oversight of the corporation but do not necessarily own it or run its day-to-day operations are known as the corporations the board of directors.

A company is an organization that usually includes a group of individuals or businesses that have been authorized by the state to operate as a single entity and recognized by law for certain purposes. The first companies were established with a charter. Most governments now allow the registration of new companies.

While there are different types of companies, they are generally classified according to the laws of the country in which they are incorporated based on their ability to issue shares or the purpose for which they are incorporated. A corporation can be a general corporation or a sole proprietorship, depending on the number of shareholders.

To know more about Corporation here-

https://brainly.com/question/29098875

#SPJ4

this monopolistically competitive firm is earning economic profits in the short run and: this will cause its demand curve to shift to the right in the long run this will cause its cost curves to rise in the long run will continue to have economic profits in the long run will earn only normal profits (zero economic profit) in the long run

Answers

This monopolistically competitive firm is earning economic profits in the short run and will earn only normal profits (zero economic profit) in the long run.

Monopolistic competition occurs when a large number of enterprises offer items or services that compete with one another and are comparable but not exact alternatives for one another.

In an industry that is monopolistically competitive, the obstacles to entry are low, and the decisions that any one company makes do not immediately effect the other firms in the industry. Pricing strategies and advertising choices are the primary differentiating factors among the competing businesses.

Monopolistic competition is when numerous different companies provide things that are comparable to one another but not exactly the same.

Companies that engage in monopolistic competition differentiate their wares by employing distinct pricing and distribution methods.

In monopolistic competition, barriers to entry, which can refer to the expenses or other restrictions that prevent new rivals from entering an industry, are relatively low.

To know more about Monopolistic firm

https://brainly.com/question/17241373

#SPJ4

For each of the following network diagrams, determine both the critical path and the expected project duration. The numbers on the arrows represent expected activity times.a. Activity-on-arrow diagramPictureThe critical path is (Click to select)1–3–7–8–91–3–6–9–11–121–2–4–7–10–121–2–5–7–8–91–2–5–8–10–12.The expected project duration is .b. Activity-on-node diagramPictureThe critical path is (Click to select)1–2–4–6–8–91–3–7–8–91–2–5–7–8–91–3–6–9–11–121–2–5–6–8–9.The expected project duration is .c. Activity-on-arrow diagramPictureThe critical path is (Click to select)1–3–7–14–161–3–6–13–161–4–8–9–10–11–15–161–4–8–10–11–15–161–2–5–12–16.The expected project duration is .

Answers

a. The expected project duration is 31 weeks.

b. The expected project duration is 55 weeks.

c. The expected project duration is 44 weeks.

What is a project?

An endeavor that is meticulously planned to accomplish a certain goal is referred to as a project. This task can be carried out alone or in a group. It might also entail design or research.

According to a different perspective, a project is managed as a series of related activities that must be completed within specific time, budget, and other constraints.

A project may be a transient (rather than a permanent) social structure (work system), sometimes staffed by teams (inside or across organizations) to carry out specific tasks under time limitations.

A project could be an independent system or a component of a larger program management effort.

To learn more about project, visit:

brainly.com/question/25009327

#SPJ1

. A(n) _____ is an individual who acts as an information broker between the mass media and the views and behaviors of an individual or group.
a. market maven
b. quality analyst
c. price purveyor
d. opinion leader
e. market leader

Answers

The correct option is Option D

An opinion leader is an individual who acts as an information broker between the mass media and the views and behaviors of an individual or group.

Opinion leader:

An involved media user must perform opinion leadership in order to interpret media messages or content for lower-end media users. Opinion leaders are frequently highly regarded by those who share their opinions.

Due to our propensity for consulting others for guidance in social settings, opinion leaders play a significant role in information flow. The target audiences for the mass media's information are not reached directly; instead, it is disseminated to them through a mediation process by powerful individuals. Certain traits of opinion leaders make them influential in the public's behavior and decision-making. Opinion leaders may support personal growth, enhance personal recognition, and assist others in performing tasks more effectively by sharing their knowledge.

For such more question on broker:

https://brainly.com/question/14915532

#SPJ4

bocelli co. purchased $162,000 of 7%, 20-year sanz county bonds on may 11, year 1, directly from the county, at their face amount plus accrued interest. the bonds pay semiannual interest on april 1 and october 1. on october 31, year 1, bocelli co. sold $31,200 of the sanz county bonds at 96 plus $182 accrued interest less a $105 brokerage commission
Provide journal entries for the following (refer to the Chart of Accounts for exact wording of account titles): a. The purchase of the bonds on May 11 plus 40 days of accrued interest; assume a 360-day year. c. Sale of the bonds on October 31 Previous Next

Answers

When they need to raise money, governments and businesses issue bonds. You are extending a loan to the issuer by purchasing a bond.

Bonds: are they a wise investment?

The finest high-return savings account or certificate of deposit is much below what Series I savings bonds offer in terms of interest. Series I savings bonds are cautious, safe investments that grow and fall with inflation. Currently, an I bond's guaranteed rate of return stands at 6.89%.

How are bonds profitable?

The category of investments known as fixed-income securities includes bonds. They are debt obligations, which means that the investor lends a certain amount of money (the principal) to a business or government for a predetermined amount of time in exchange for a regular stream of interest payments (the yield).

Briefing:

S/n    General journal                                  Debit              Credit

a        Investment in Sanz County bonds   $162,000

        Interest                                                $182

        (162,000*7%*40/360)

                Cash                                                                  $162,182

        (The purchase of the bonds on May 11 plus 40 days of accrued

          interest; assume a 360-day year.)

b.       Cash                                                      $3,600

             Interest receivable                                              $182

              Interest revenue                                                  $3418

         (Semiannual interest on October 1)

c.        Cash(150* (99%*30,000) - $100)        $29,750

         Loss on sale of investments               $400

              Investment in Sanz County bonds                     $30,000

              Interest revenue                                                  $150

         (Sale of the bonds on October 31)

d.      Interest receivables                               $1,365

              Interest revenue                                                  $1,365

        (Adjusting entry for accrued interest of $1,365 on

         December 31, Year 1.)

To know more about bond visit:

https://brainly.com/question/29667007

#SPJ4

A legal right of shareholders is:
A) To vote on members for the board of directors.
B) To receive interest, if declared.
C) To publish annual financial reports.
D) To vote on who will become chief executive officer (CEO).

Answers

A legal right of the shareholders is to receive the interest, if declared.

Who is a shareholder?

A shareholder is a natural person or business that a corporation has recognized as the rightful owner of shares in the capital stock of a public or private corporation. Occasionally, shareholders are used to refer to members of a corporation. How much influence a shareholder has over the business is based on the proportion of shares they own. Legally speaking, a corporation's stockholders are separate entities from the business itself. Unless a shareholder has given guarantees, it is argued that their culpability for company obligations is limited to the unpaid share price. In theory, they are exempt from accountability for the corporation's commitments. The corporation only needs to provide documentation for the owner who is listed on the register; the beneficial owner of a shareholding is not required to do so.

To learn more about shareholder, visit:

https://brainly.com/question/29803660

#SPJ4

According to the bond-yield-plus-risk-premium approach, a firm's cost of retained eamings, rs, can be estimated by adding a risk premium of 3 to 5 percentage points toa. its after-tax interest cost of debt, rsTb. its cost of preferred stock, rpsC. its return on equity (ROE)d. the risk free rate of return.e. its before-tax interest cost of debt, rs.

Answers

According to the bond-yield-plus-risk-premium approach, a firm's cost of retained earnings, rs, can be estimated by adding a risk premium of 3 to 5 percentage points to its before-tax interest cost of debt, Rs.

The bond-yield plus risk premium method makes it possible to figure out how much equity capital will cost. By adding the pre-tax cost of debt and the risk premium, which accounts for the higher yield on a company's stock when compared to its bonds, it calculates the cost of common equity. This can be used in place of the CAPM in real-world applications.

The Dividend Discount Model, Capital Asset Pricing Model, and Cost of Equity are some further related topics that you could find interesting to investigate.

Anyone who aspires to work as a banker, investment professional, corporate finance practitioner, or portfolio manager would find this open-access Excel template in XLSX format helpful.

To know more about risk premium:

https://brainly.com/question/28235630

#SPJ4

Listed below are terms and definitions associated with bonds. Terms: 1. Sinking fund. 2. Secured bond. 3. Unsecured bond. 4. Term bond. 5. Serial bond. 6. Callable bond. 7. Convertible bond. 8. Bond issue costs. Definitions: a. Allows the issuer to pay off the bonds early at a fixed price. b. Matures in installments. c. Secured only by the "full faith and credit" of the issuing corporation. d. Allows the investor to transfer each bond into shares of common stock. e. Money set aside to pay debts as they come due. f. Matures on a single date. g. Supported by specific assets pledged as collateral by the issuer. h. Includes underwriting, legal, accounting, registration, and printing fees. Match (by letter) the bond terms with their definitions. Each letter is used only once.

Answers

There are various types of bonds that can be classified based on a number of factors, including the issuer, the type of security, the terms of the bond, and the nature of the interest payments.

What is bonds ?

A bond is a financial instrument that represents a debt obligation between an issuer and a holder. When a company or government issues a bond, it is essentially borrowing money from the holder of the bond and agreeing to pay back the principal and interest at a later date.

Sinking fund - e. Money set aside to pay debts as they come due.

Secured bond - g. Supported by specific assets pledged as collateral by the issuer.

Unsecured bond - c. Secured only by the "full faith and credit" of the issuing corporation.

Term bond - f. Matures on a single date.

Serial bond - b. Matures in installments.

Callable bond - a. Allows the issuer to pay off the bonds early at a fixed price.

Convertible bond - d. Allows the investor to transfer each bond into shares of common stock.

Bond issue costs - h. Includes underwriting, legal, accounting, registration, and printing fees.

To learn more about bond refer :

https://brainly.com/question/25965295

#SPJ4

true and false There are many advantages of an ethical organization, including that it can have a positive effect on employee commitment and motivation to excel.

Answers

There are many advantages of an ethical organization including that it can have a positive effect on employee commitment and motivation to excel is True.

Organizational ethics is the ethics of an organization and how it responds to internal or external stimuli. Organizational ethics depend on organizational culture. Organizational ethics includes various guidelines and principles that dictate how individuals should behave in the workplace.

Also refers to a code of conduct for people working in a particular organization. All organizations operate to make a profit, but more importantly how they make a profit. This means that when an employee reports misconduct, we investigate it thoroughly, and when they commit misconduct, we punish them appropriately.

Learn more about An ethical organization here:- https://brainly.com/question/13311490

#SPJ4

True That there are many advantages of an ethical organization, including that it can have a positive effect on employee commitment and motivation to excel.

Advantages of ethicals:- By using having a code of ethics, it affords you a tool to make constant choices approximately what is proper and wrong. this is mainly helpful while making choices in times of conflict. by means of strolling a moral operation, personnel feels like they may be contributing to society in a wonderful manner.

Ethical people are people who understand the difference between right and incorrect and constantly attempt to set an instance of right conduct. In an enterprise putting, moral behavior is behavior which means applies the standards of honesty and fairness to relationships with coworkers and clients. ethical people take the time to treat anyone with whom they arrive in contact as they could want to be dealt with themselves.

Learn more about advantages of ethical here:- https://brainly.com/question/29451449

#SPJ4

Hudson is making a list of all the costs he must pay to operate his gift shop. He includes rent, utilities, employee compensation, and point-of-purchase tax. Why
should Hudson NOT have included point-of-purchase tax on his list of costs?


A. Because suppliers pay point-of-purchase tax

B.Because distributors pay point-of-purchase tax

C.Because shippers pay point-of-purchase tax

D. Because consumers pay point-of-purchase tax

Answers

Hudson NOT have included a point-of-purchase tax on his list of costs Because consumers pay point-of-purchase tax. Thus option D is correct.

What is point-of-purchase tax?

Customers who purchase the priced items and operations only within the boundaries of the tax must pay a sales tax somewhere at point of the transaction. In the United States, a nation, or occasionally a municipality or county is in charge.

The tax was omitted by Hudson from his list of expenses. The cost to the user of the goods or services includes the tax in addition to the device's or provider's price. Therefore, option D is the correct option.

Learn more about point-of-purchase tax, Here:

https://brainly.com/question/29950817

#SPJ1

Your company is trying to decide whether to proceed with a potential project. The project has a 62% chance of producing a $100,000 profit and a 38% chance of causing a $100,000 loss. Calculate the expected monetary value (EMV) for the project Answer (show all work): a) EMV for project is:

Answers

At Potential Project, we are on a mission to make work feel more human. In this new world of work, people are focused, calm and resilient, even happy at work.

How to Choose the Right Project?

Because, as demonstrated in the lectures for the PMP certification program, the primary cause is due to the project's schedule and financial restrictions. Of course, any project will be expensive to complete. However, even if the budgetary restriction is removed, other factors like market competitiveness will prevent the completion of several projects.

The various project selection techniques will be discussed in this article along with the ideal times to employ each technique. The PMP training contains more thorough information on project selection.

Project managers' responsibilities include understanding why their project was chosen and how it fits into the organization's strategic goal. Due to the fact that during the project planning process.

To learn more about Potential Project refer to:

https://brainly.com/question/15409058

#SPJ4

the company sold 144 units at 60 each and has a tax rate of 30 assuming that a periodic inventroy system is used what is teh ocmpanys gros profit using fifo

Answers

The option with such a cost of $2,800 is correct. Variable costs are frequently the only ones considered by COGS when trying to calculate gross profit.

How is gross revenue profit determined?

Gross profit is determined by subtracting total revenue from the cost of goods sold (COGS).A gross profit percentage of 50 to 70 percent appears to be healthy for many kinds of businesses, including retailers, restaurants, manufacturers, as well as other goods producers.Sales with a profit (140 x $60) - cost of the products sold $5600 (W.N.)   Gross profit = $8400 minus $5600 = $2800 cost of goods sold by using FIFO method.

entire question:

The company sold 144 units at $60 each and paid a 30% tax rate. Assuming a periodic inventory system is employed, what is the company's gross profit using FIFO?

To learn more about Gross profit visit:

https://brainly.com/question/29064762

#SPJ4

A stable share price along with a fluctuating dividend based on market conditions is associated with.

Answers

Adjustable-rate preferred stock is characterised by a steady share price and a variable dividend dependent on market conditions.

What is the share price right now?

It is the latest trading price for a single share or any other security. The present price serves as a starting point in an open market. It price that a buyer and seller would've been willing to pay for a later transaction involving that security.

How do I buy stocks?

Using an online stockbroker is the easiest way to purchase stocks. You may quickly purchase stocks on the broker's website after creating and financing your account. Other choices include buying shares directly from the business or utilizing a full-service broker.

To know more about share price visit:

https://brainly.com/question/28939299

#SPJ4

The going concern assumption assumes that the business
a. will be liquidated in the near future.
b. will be purchased by another business.
c. is in a growth industry.
d. will remain in operation for the foreseeable future.

Answers

The going concern assumption assumes that the business will remain in operation for the foreseeable future.

What is the going concern assumption?A company is referred to as a "going concern" in accounting if it is anticipated that it will continue to operate for at least the following 12 months. It is based on the supposition that the company can make money, pay its debts, and won't need to liquidate in the upcoming year.An entity is considered to be continuing in business for the foreseeable future under the going-concern assumption. A going-concern basis is used to compile general purpose financial statements unless management has no choice but to do so or has plans to stop operations entirely.

To learn more about  going concern  refer,

https://brainly.com/question/14773872

#SPJ4

An adjustable-rate mortgage (ARM) is another common type of mortgage. Determine whether each factor is a pro or
a con of an ARM, and place it in the correct category.

Answers

The determination of each factor as a pro or a con of an ARM is as follows:

Pros of Adjustable-Rate Mortgages

c) lower interest rates are possible

e) low beginning interest rate

Cons of Adjustable-Rate Mortgages    

a) riskier than fixed-rate mortgages

b) higher payments possible

d) interest rates can be raised

What is an Adjustable-Rate Mortgage (ARM)?

An adjustable-rate mortgage (ARM) is a mortgage loan with no fixed interest rate.

The interest rate of an adjustable-rate mortgage is variable, depending on the market forces.

One great advantage of an ARM is that it may attract a lower interest rate initially.

However, the interest rate can skyrocket, thereby, increasing its risk.

Thus, for the borrower, the disadvantages (cons) outweigh the pros (advantages) of an adjustable-rate mortgage.

Learn more about adjustable-rate mortgages at https://brainly.com/question/1287808

#SPJ1

Question Completion:

a) riskier than fixed-rate mortgages

b) higher payments possible

c) lower interest rates possible

d) interest rates can be raised

e) low beginning interest rate

which of the following sampling approaches first divides the population into subgroups based on one or more variables of interest?

Answers

Stratified random sampling approaches first divides the population into subgroups based on one or more variables of interest.

A method of sampling from a population that may be divided into subpopulations is known as stratified sampling in statistics.

Before sampling, a population is stratified by separating its members into uniform subgroups. The population should be divided up according to the strata. This means that each component of the population must be assigned to a single stratum in order for it to be mutually exclusive and collectively exhaustive. Then each stratum is subjected to basic random sampling. Reducing sampling error is the goal in order to increase sample accuracy. In comparison to the arithmetic mean of a straightforward random sampling of the population, it can generate a weighted mean with less fluctuation.

To know more about population visit:
https://brainly.com/question/27991860
#SPJ4

This unit's discussion consists of two parts that focus on competency interviewing and other types of interview questions. Please label your initial response to the different parts as A and B.
Part A: Competency Interviewing
O Define competency interviewing.
O Explain in your own words how it is different from typical interviewing.
O Provide two examples of competency questions that might be used during an interview for your current or previous job.

Answers

In competency-based interviews, questions are used to discover how you have applied particular talents in the past and how you handle issues, tasks, and obstacles.

They are frequently used in first interviews and are also known as behavioral or situational questions.

How you might exhibit particular behaviors or talents in the workplace is demonstrated during behavioral or competency-based interviews. You'll be required to offer an example of a task or circumstance that prompted you to choose a particular course of action.

These interviews are predicated on the idea that behavior from the past is a reliable indicator of behavior from the future. They are especially helpful for hiring managers looking for "raw" talent (such as graduates for training programs where past knowledge may be less relevant than possessing the correct aptitude) and for choosing employees for promotions within an organization.

In a "regular" or unstructured interview, the employer seeks to get a general impression of the candidate by asking open-ended questions. The entire focus of the competency-based interview is on the specifics of what you can perform in regard to the requirements for this particular position.

In an interview, you might be questioned about your competencies in:Describe a scenario when you were in charge of a group.Give an instance of how you resolved a dispute at work.How do you keep a positive working connection with your coworkers?Tell me about a recent significant decision you made.

To learn more about Competency Interviewing from given link

https://brainly.com/question/17046815

#SPJ4

a new employee has been hired for the customer service department and will be using a desktop computer in the office, along with the company intranet. which of the following policies would be most applicable to this user? remote access policy acceptable use policy byod privileged user policy

Answers

A network or other resource users must abide by in order to utilize it is covered by an acceptable use policy. Learn about the nine components that make up AUPs.

What is an illustration of a permissible use policy?

The IT security policies of a business are governed by an AUP. These include prohibitions on utilizing public Wi-Fi, reading dubious email attachments, updating access data, such as passwords, accessing restricted information, and using authentication methods that have been approved by the firm.

What constitutes a lawful policy?

An agreement between two or more parties that specifies the permitted use of access to a corporate network or the internet is known as an acceptable use policy, or AUP.  is permitted and prohibited by this document is described.

To know more about policy acceptable visit:-

https://brainly.com/question/15181866

#SPJ4

one of four babies are now born to mothers aged thirty years or more, compared with just one of six born in 1975.

Answers

The way that the statement can  be written is:  baby in four is now born to a mother aged thirty or older, compared with just one in six. Option D

How has childbirth changed across age of mothers in the world?

A woman may now fairly anticipate that their child would experience a healthy pregnancy and delivery when having a child in an industrialized country. Having children is often healthy and does not indicate disease or a condition.

A hundred years ago, many expectant parents had considerable anxiety before childbirth because they were aware of a parent or infant who had passed away. However, there is now a certain expectation that advancements in delivery technology would not only reduce dangers that may have resulted in death or incapacity a century ago, but will also guarantee a flawless outcome.

Additionally, women may now plan their pregnancies in many areas of the world, and they tend to have fewer children than they did a century ago.

Read more on child birth here: https://brainly.com/question/26978389

#SPJ1

One of four babies are now born to mothers aged thirty years or more, compared with just one of six born in 1975.

(A) of four babies are now born to mothers aged thirty years or more, compared with just one of six born

(B) of four babies is now born to a mother whose age is thirty of older, compared to just one of six babies who were born

(C) baby in four are now born to mothers aged thirty or older, compared to just one in six

(D) baby in four is now born to a mother aged thirty or older, compared with just one in six

(E) baby in four is now born to mothers aged thirty years or more, compared to just one in six

PLEASE HELP WITH CORRECT ANSWER
Why are staffing firms a useful resource you can use in a job search for a career in hospitality and tourism?

They can negotiate better salaries and terms of employment once you are hired.
They host in-person gatherings where you can meet others in the hospitality industry.
They provide crucial trainings for specific job skills in the hospitality and tourism industry.
They work with companies to help them find the best candidates for open positions.

Answers

Staffing firms a useful resource you can use in a job search as ---They work with companies to help them find the best candidates for open positions.

Option D is correct.

Staffing Firm:

A staffing agency - also known as search, recruitment, staffing agency or service - is an organization that connects businesses with job seekers. Registering with a recruitment agency gives you the opportunity to connect with multiple hiring managers looking for the right person for your job.

Why are staffing important?

Find suitable resources. Human Resources plays a very important role in finding the best resources needed to run the company's day-to-day operations. In other words, staffing is the process of finding qualified resources to perform various functions of an organization.

Learn more about staffing:

brainly.com/question/10869273

#SPJ1

The __________ refers to the tendency to disregard outward signs of success and to consider yourself a fake, a fraud, one who does not really deserve to be considered successful.O hidden selfO Johari windowO Pygmalion effectO impostor phenomenonAnswer: impostor phenomenon

Answers

The impostor phenomenon describes the propensity to discount outside indications of achievement and to think of oneself as a charlatan who doesn't truly deserve to be regarded as successful.

What causes imposter phenomenon?Perfectionism and other personality traits, as well as a person's upbringing, are likely contributing factors to imposter syndrome. One hypothesis holds that families that place a high value on achievement are the root causes of imposter syndrome.Self-doubt and a sense of personal incompetence persist despite your education, experience, and accomplishments. This is known as imposter syndrome, also known as perceived fraudulence. You might end up pushing yourself to work harder and hold yourself to higher standards in an effort to combat these feelings.The impostor phenomenon is a widespread psychological perception of perceived intellectual and professional fraudulence. Although present in clinical and healthy populations, it cannot yet be diagnosed. Impostors research is becoming more prevalent in situations more than just clinical ones.

To Learn more About impostor phenomenon  refer to:

https://brainly.com/question/28537019

#SPJ4

A pharmacy has determined that a healthy person should receive 70 units of
proteins, 100 units of carbohydrates and 20 units of fat daily. If the store carries
the six types of health food with their ingredients as shown in the table below,
what blend of foods satisfies the requirements at minimum cost to the
pharmacy? Make a mathematical model for the given problem.

Answers

Answer:

Explanation:

69

Other Questions
LAB: Reverse list Complete the reverse_listo function that returns a new string list containing all contents in the parameter but in reverse order. Ex: If the input list is. ['a', 'b', 'c'] then the returned list will be: ['e', 'b', 'a') Note: Use a for loop. DO NOT use reverse() or reverse(). 3318701732513 LAB ACTIVITY 12.11.1: LAB: Reverse list 0/10 main.py Load default template. 1 def reverse_list(letters): 2 # Type your code here. 3 4 if __name__ ='__main': 5 ch - ['a', 'b', 'c'i 6 print(reverse_list(ch)) # Should print ['c', 'b', 'o'] The Picture and Sound electronics store has hired Brennan to work in the warehouse. He uses a pulley with a hand crank to lift heavy boxes. He turns the crank 15 times to lift a box 15 feet. He turns the crank 45 times to lift a box 45 feet.In this relationship, x represents the number of times Brennan turns the crank to lift a box, and y represents the height the box has been lifted (in feet).Graph two points for this relationship and the line passing through them. Why the sulphides precipitate of group IIA should be washed with distilled water and then centrifuged before addition of dilution solution of HNO3? sandor wants to go into the business of construction contracting. among the reasons that might convince sandor to set up his business as a sole proprietorship would be PLEASE ANSWERE ASAPIf BC = 16.7 ft, what is AY? What two things are being compared ? "She slithered into the room quietly and listened. After several days of observing, she finally uncoiled her long limbs, stretched her neck, leaned against the desk and began speaking, swaying as she spoke. With those first words she began to slowly poison their minds." Help please !!!???!!!! Un texto que tenga siente puntos seguidos 2 punto apartes 1 punto final which psychological problem often occurs with bulimia nervosa? group of answer choices depression histrionic personality disorder antisocial personality disorder gender identity disorder Write Expressions Word Problems 1. You run a small business and would like to print some business cards. Staples offers color business cards for a small fee. The cost is $.75 per card. A) Write an expression for the total cost (in dollars) if you print b business cards. B) How much does it cost you to print 50 business cards? Booker T. Washington Middle School found two companies that would deliver healthy snacks to school. The tables below show the price charged by each company. How many more times does Company B charge per snack than Company A? in-building emergency voice/alarm communication systems (evacs) are an integral part of which type of building (because this type of building presents rescue challenges for fire personnel)? If a company distributes stock to employees by granting stock options, employees exercise the option when they???sell the stock. liquidate the stock. distribute the stock. purchase the stock. retain the stock he decision about approval and justification of new technologies would fall into which one of the five major it decision categories? Han China could be considered a meritocracy because:A) there were no slaves.B) nobles advised the emperor.C) an assembly wrote and voted on the laws.D) people of all ranks could take a civil service exam and rise socially. land appraised at $81,000 is purchased by issuing 1,000 shares of $15 par value common stock. the market price of the shares at the time of the exchange, based on active trading in the securities market, is $98 per share. should the land be recorded at $15,000, $81,000, or $98,000? the land should be recorded at $ to change how cells appear, you use conditional formatting. then, to highlight cells with a value of at least $100, you choose to format cells if they have a value greater than or equal to 100. 1 point true false Step by step !!!!pease help TRUE/FALSE. in multiparty negotiations, research shows that parties who approached multiple issues simultaneously achieved lower quality agreements and decreased the likelihood of achieving agreement compared with groups that approached the issues one at a time, in a fixed or negotiated sequence. Which expression is equivalent to the expression below?7p+3(2q+9p)a.7(p+6q+27p)7(p+6q+27p)b.-2p+12q2p+12qc.-p+9qp+9qd.34p+6q34p+6q