Never missing a payment is the most crucial technique to keep high credit since it accounts for the largest percentage of your score. Automate all of your payments for credit cards, loans, utilities, and insurance so that you never miss a payment.
How is a good credit history built?Try to pay your bills on time, and if you can, pay more than the minimum. The most crucial thing you can do to improve your score is to make all of your credit card and loan payments on time, every time. Your score will benefit if you can pay more than the required amount.
The most crucial component of credit scoring is payment history, and even one late payment will lower your score. When assessing you for new credit, lenders want to be certain that you will repay your debt and on time.
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Is there a curfew in Hawaii?
Answer:
Children under the age of 16 cannot be in a public place without adult supervision between the hours of 10:00 p.m. to 4:00 a.m. A child who is in a public place without an adult during these hours can be arrested by the police.
Donna is thinking about buying a house that costs $100,000. If she puts down $20,000 and is able to get a 5 percent mortgage, she wants an estimate of her total monthly housing expenses. The average annual cost for owning a house, beyond the 5% cost of mortgage interest, is 4. 09 percent of the value of the house. Not including the opportunity cost of the down payment, amortization on the loan or any tax benefits from home ownership, what will be her monthly cost the first month?.
Answer:
Donna is thinking about buying a house that costs $100,000. If she puts down $20,000 and is able to get a 5 percent mortgage, she wants an estimate of her total monthly housing expenses. The average annual cost for owning a house, beyond the 5% cost of mortgage interest, is 4. 09 percent of the value of the house. Not including the opportunity cost of the down payment, amortization on the loan or any tax benefits from home ownership, what will be her monthly cost the first month?.
Explanation:
Grace has a net spendable income of $1,700 per month. She decides to check her expenses for the previous month and adjust her budget.
With an income of $1,700 per month, Grace is going to be over budget. The correct answer is A.
Grace is going over budget because her expenses are greater than her net spendable income. Her net spendable income is $1,700 per month, and her expenses total $1,859 per month. She has increased her expenses in the categories of food, entertainment, clothing, savings, and medical by $50, which is resulting in her going over budget. Even though she has adjusted her budget in some categories, the overall expenses are still higher than her net spendable income.
It's important to note that she has also reduced her debt expenses by $25, but that's not enough to cover her increased expenses in other categories. She should look into cutting down her expenses in the other categories or increasing her income to balance her budget and avoid going over budget.
This question is incomplete and also should be provided with answer choices as follows:
Grace has a net spendable income of $1,700 per month. She decides to check her expenses for the previous month and adjust her budget. Expenses Housing $510 Food $204 Transportation $255 Insurance $51 Debts $0 Entertainment $85 Clothing $85 Savings $85 Medical $0 Miscellaneous $85 Grace then adjusts her budget for her main expense categories. Old Budget New Budget Housing $510 Housing $510 Food $204 Food $254 Transportation $295 Transportation $295 Insurance $51 Insurance $51 Debts $25 Debts $0 Entertainment $85 Entertainment $100 Clothing $85 Clothing $100 Savings $85 Savings $100 Medical $85 Medical $0 Miscellaneous $85 Miscellaneous $100.
Evaluate Grace's new budget:
A. She is going over budget.B. She is putting less than the recommended percentage of her income into the savings category.C. She is putting the minimum recommended percentage of her income into all categories except debt.D. She is putting less than the recommended percentage of her income into the clothing, medical, and miscellaneous categories.The correct answer is A.
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Which among the four factors of production you consider the most important factor why?
One could argue that land is most important, since all physical products originate from the resources it provides. However, professional services and software are increasingly important in the modern economy. Therefore, you could argue that labor is the most crucial factor of production.
What do production factors entail?The materials employed in the manufacturing of a good or service in order to generate revenue are referred to as the factors of production. Land, labor, capital, and entrepreneurship are considered the four main components of production by economists.
What are the four factors of production, and what do they all mean?Land, labor, capital, and entrepreneurial activity are the four conventional divisions made by economists of the components of production. Natural resources are referred to as land, work effort as labor, and anything created that is used to create something else is referred to as capital.
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Which nation has a communist command economy?NorwayNorth KoreaSouth Koreathe United States
Please help me:(
Answer the following questions in your course journal or in the course discussion board:
What makes Wall Street the ideal location for the financial headquarters of the United States? Be sure to explain your answer. Would you place the center of financial activity in another
location? If so, where would that be and why?
Answer:
Wall Street consists of the largest stock exchanges, the largest financial firms, and employs thousands of people. As the trading hub of the world's biggest economy, Wall Street has an enduring impact not just on the American economy, but also on the global one.The physical location of Wall Street is in lower Manhattan, where the New York Stock Exchange is housed. The street's name refers to a long-gone wall that was erected in the 17th Century by Dutch settlers intent on keeping out the British and pirates.
I would not.
Explanation:
Is there excess supply in market equilibrium?
There is no excess supply or excess demand in market equilibrium. If there were excess supply, the price would fall until the quantity supplied equals the quantity demanded.
In market equilibrium, the forces of supply and demand are balanced, meaning that the quantity of goods that consumers want to buy is equal to the quantity that producers are willing to sell. At this point, there is no excess supply or excess demand. The price at which this equilibrium occurs is referred to as the equilibrium price.
If the price were to rise above the level of market equilibrium, there would be a surplus of goods as producers would be supplying more than consumers are willing to buy therefore resulting in the excess of supply. Ultimately, this would lead to a fall in the price until it reaches the market equilibrium.
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Which of the following is a benefit of budgeting which helps a manager motivate employees and evaluate performance?
-Planning
-Coordination and Communication
-Rolling Budget
-Benchmarking
Benchmarking will be the correct answer
What is benchmarking?
Benchmarking is the practice of comparing your goods, services, and operations to those of businesses that are thought to be industry leaders in one or more areas. Even if they are in a different industry or serve a different clientele, benchmarking may provide you with the crucial insights you need to know how your company stacks up against others in a similar situation.
Organizations can find areas, systems, or processes that can be improved through incremental (continuous) or significant (business process re-engineering) changes by using benchmarking.
Technical and competitive benchmarking are two separate categories that have been established. To visualise the benchmarking review, Gantt charts and the House of Quality matrix are frequently utilised.
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market is most efficient when
Social or economic surplus is maximized
Producer surplus is greater than social surplus
Consumer surplus is equal to producer surplus
Consumer surplus is greater than producer surplus
Consumer surplus and producer surplus can be added to determine the net benefit of any economic activity. Production and consumption maximize net benefit at the demand-supply curve intersection.
The competitive nature of markets is taken for granted in the demand and supply model. In these markets, everyone simply accepts the equilibrium price as it is and adjusts their actions accordingly. Such situations result in a price being set where supply meets demand.
However, in some marketplaces, single buyers or sellers can significantly shift prices. Our future chapters will focus on situations where either producers or consumers can influence the prices they set or pay. Market power, defined as the ability to influence prices in a market, will lead to price distortions in which the price does not reflect the true level of firms' marginal costs.
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What is meant by ownership of property?
Advertisement is supposed to use possession of the property. Period “ownership” is a manner to have or preserve an issue. The black law dictionary defines possession as “the package deal of rights permitting one to use, control, and enjoy the assets.
If you have possession of something it means that you are the proprietor; it belongs to you. The term does not best refer to human beings, but also different entities. For instance, the government is the proprietor of a state organization.
Ownership is the state of owning something. Whatever humans are personal or possess gives them the satisfaction of possession.
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Command Economy refers to which of the following?ACapitalist EconomyBSocialist EconomyCMixed EconomyDAll of the above
Socialism is the foundation of the command economy. (Choice b) In a command economy, all economic decisions are made at the discretion of the central authority.
Which of the following statements might apply to a command economy?A command economy might take the form of socialism or communism. In all three, the national economy, businesses, and resources are under the control of the state. Central planning is a feature of all. As an alternative, a command economy is one in which all factors of production are controlled by a centralized government that controls most, if not all, firms. Command economies can be seen in the former Soviet Union, North Korea, and East Germany.
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Job descriptions list every task an employee will be responsible to perform.
False
True
ANSWER IS FALSE, got 100% on edge
What are the 5 basic steps of meal planning?
Your daily caloric demands will be met if you eat a balanced diet, which guarantees this.
What is meant by a "balanced diet"?
In a balanced diet, all of the essential elements that the body need are present.
Water, lipids, proteins, fiber, vitamins, minerals, and carbs are just a few of the nutrients that must be included in a well-balanced diet. By consuming a nutritious, well-balanced diet, the risk of disease is decreased, and general health is enhanced.
What is a balanced diet and why is it so important?
An appropriately balanced diet provides the nutrients your body needs to operate correctly. Without a healthy diet, your body is more susceptible to ailments, infections, tiredness, and subpar performance.
Children who don't consume enough food may have problems with their growth and development, their academic performance, and their susceptibility to repeated infections.
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An open communication climate in an organization is essential because:
Because employees must share and practice a leader's vision communication, an open communication climate is crucial in any firm.
What is an open communication climate?Employees feel free to share opinions, voice grievances, and make suggestions in an environment where communication is open.
The ability to express oneself freely is essential for innovation and creativity.
It might be difficult to create an environment where employees feel comfortable speaking their thoughts.
Any company must have an open communication atmosphere since employees must practice and share a leader's vision.
Communication in a restricted environment is limited to a select few, with the majority remaining silent and mute.
Everyone has the right to voice their thoughts, grievances, and suggestions in a free environment.
Therefore, because employees must share and practice a leader's vision communication, an open communication environment is crucial in any firm.
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pricing strategy where extra services cost money codycross
Freemium is a pricing strategy where extra services are paid for and cost money.
Freemium is a pricing strategy where a basic version of a product or service is offered for free, but additional features or services are available for a fee. This strategy is commonly used for software, mobile applications, and online services. The basic version of the product or service is usually functional enough for the user to get a sense of the product, but if the user wants to access additional features or wants to use the product without limitations, they must pay for it.
This strategy allows companies to attract a large user base and generate revenue from a small percentage of users who are willing to pay for additional features. It is also a way to upsell to users who are already familiar with the product and have found it useful.
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What are three features of an electronic cover letter?
One specific topic line is one of an electronic cover letter's three elements. An introduction, Body with bullets, and Finality.
What kinds of cover letters are there?Application Cover Letter for a Job- The standard cover letter that is submitted with a resume when applying for a job looks like this. The application letter is tailored toward a particular position and addresses the skills and qualities listed in the job posting. Letter of Interest for Prospecting- Like a cover letter for an application, a prospecting cover letter is written by a job applicant for a firm of interest. On the other hand, this kind of cover letter enquires about open positions generally. It is not a response to a particular job posting. Networking Cover Letter- The networking cover letter is the bad boy of the cover letter family. This format is the most casual and frequently the shortest.
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What strategies one can use to make presentation more interesting?
Presentation Techniques that increase interest while also fixing the structure When giving a presentation, preparation is essential. Educate yourself. The next step is to confirm your knowledge. Become eye contact. rely more on pictures than text. Make every attempt to get better.
A speaker teaches an audience through a presentation. A presentation's common goals include informing, persuading, inspiring, motivating, creating goodwill, or introducing a brand-new idea or service. It is common for presentations to need advance planning, writing, the use of visual aids, stress management, and question-and-answer sessions. The presenter, audience, message, response, and method of speech delivery for organizational achievement are the fundamental components of a presentation. In tertiary professional settings, accountants generally use presentations to give in-depth financial analysis of companies, whereas entrepreneurs commonly use presentations to market their business venture ideas to investors. In addition, this phrase may be used to refer to a formal or ritualized greeting or gift.
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What are the trade-offs between privatization and federalization? When would one or the other be more appropriate? What problems might you foresee and what future events would merit a shift in the current mix?
Privatization is the operation of an organization that is not controlled by the government. Privatized organizations can be non-profit, for-profit, or for-profit. Federalized organizations are ones that are overseen by the government.
Privatisation can refer to a variety of things, including the transfer of something from the public to the private sector. It is also a metonym for deregulation, which occurs when a heavily regulated private corporation or industry becomes less organized. Federalism is a combination or compound method of governance that combines a general government (the central or "federal" government) with regional governments (provincial, state, cantonal, territorial, or other sub-unit governments) in a single political system, sharing powers between the two. Federalism in the contemporary age was born in the unions of states that existed under the Old Swiss Confederacy.
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What are the 5 sections of a credit report?
Your payment history, debt you have, the age of your credit accounts, the variety of credit you have, and your desire for more credit are the five elements used to compute your FICO credit score.
What is debt?Debt is money that one party borrows from another. Many businesses and individuals utilise debt as a means of financing significant purchases that they would otherwise not be able to make.
In a debt-based financial arrangement, the borrowing party receives authorization to borrow funds on the understanding that it would be reimbursed at a later time, typically with interest.
The four primary forms of debt are secured, unsecured, revolving, and mortgaged.In order to raise capital, businesses issue debt in the form of bonds
With the exception of the loaned amount fluctuating over time in response to the borrower's needs and having a rolling, or open-ended, repayment date, credit card debt functions similarly to a loan.
The majority of debt can be categorised as mortgage, revolving debt, secured debt, or unsecured debt.
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What is the present value of the following cash flow stream if the interest is 6.
The present value of the cash-flow stream is $547.83. It is determined by discounting the future cash flow to its present value using a discount rate, which is typically the interest rate or the required rate of return.
The present value of a cash flow is the current value of a future cash flow. To calculate the present value of a cash flow, you use the formula:
[tex]PV = \frac{CF}{(1 + r)^t}[/tex]
where PV is the present value, CF is the cash flow, r is the discount rate, and t is the number of time periods in the future when the cash flow is received.
The present value of the cash-flow stream can be calculated using the formula:
PV = [tex]\frac{CF_1}{(1 + r)^1} + \frac{CF_2}{(1 + r)^2} + \frac{CF_3}{(1 + r)^3}[/tex]
where PV is the present value, CF1, CF2, and CF3 are the cash flows in years 1, 2, and 3 respectively, and r is the interest rate.
Plugging in the given values, we get:
PV = [tex]\frac{120}{(1 + 0.06)^1} + \frac{320}{(1 + 0.06)^2} + \frac{220}{(1 + 0.06)^3}[/tex]
PV = 114.29 + 266.35 + 167.19
PV = 547.83
The complete question is shown below.
What is the present value of the following cash-flow stream if the interest rate is 6%? note: do not round intermediate calculations. round your answer to 2 decimal places.
Year Cash flow
1 $120
2 $320
3 $220
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An accounting information system is defined as a system that records, processes and reports on business transcations
An accounting information system is defined as a system that records, processes and reports on business transactions---- True
What is a system in an accounting information system?
An accounting information system is a method of tracking all the accounting and business activities of a company. An accounting information system typically consists of six main components: People, procedures and instructions, data, software, IT infrastructure, and internal controls. An accounting information system is a system for collecting, storing, and processing financial and accounting data for use by decision makers.
Why is accounting called an information system?Accounting as Information System "AIS" is a system for collecting, storing and processing financial and accounting data for use by decision makers. An accounting information system is generally a computer-based method for tracking accounting activities related to information technology resources.
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The following places are three of the wettest locations on earth. For each site, determine the rainfall in centimeters per year and fill in the missing information. Use the conversion equivalency of 2. 54 centimeters (cm) = 1 inch.
The annual rainfall in centimeters per year for each site are: 1186.18 cm, 1177.29 cm, and 1041.4 cm.
All we need to do is to convert the annual rainfall in inches to annual rainfall in centimeters.
Use the conversion equivalency of 2.54 centimeters (cm) = 1 inch.
Location 1 – Mawsynram, India
Annual Rainfall (in inches): 467
Annual Rainfall (in centimeters): 467 * 2.54 = 1186.18 cm
Location 2 – Tutenendo, Columbia
Annual Rainfall (in inches): 463.5
Annual Rainfall (in centimeters): 463.5 * 2.54 = 1177.29 cm
Location 3 – Mt. Waialeale, Hawaii
Annual Rainfall (in inches): 410
Annual Rainfall (in centimeters): 410 * 2.54 = 1041.4 cm
Hence, the annual rainfall in centimeters per year for each site are: 1186.18 cm, 1177.29 cm, and 1041.4 cm.
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Although part of your question is missing, you might be referring to this full question: The following places are three of the wettest locations on Earth. For each site, determine the rainfall in centimeters per year and fill in the missing information. Use the conversion equivalency of 2.54 centimeters (cm) = 1 inch.
Location: Mawsynram, India
Annual Rainfall (in inches): 467
Annual Rainfall (in centimeters):
Location: Tutenendo, Columbia
Annual Rainfall (in inches): 463.5
Annual Rainfall (in centimeters):
Location: Mt. Waialeale, Hawaii
Annual Rainfall (in inches): 410
Annual Rainfall (in centimeters):
a. 1186.18 cm, 1177.29 cm, 1041.4 cm
b. 183.86 cm, 182.48 cm, 161.4 cm
c. 1006 cm, 946 cm, 997.1 cm
d. 854.86 cm, 931.55 cm, 812.9 cm
The sticker price of an institute of higher education includes _____.
The sticker price of an institute of higher education includes any costs the school may impose, like a parking permit or library card fee, as well as the total annual cost of tuition, books, lodging, and board.
The sticker price, often known as the "cost of attendance" (COA) includes Tuition fees, accommodation and board, books, supplies, and other costs depending on the accommodation and dining options are chosen or the number of credits a student takes each semester, the cost of attending a specific school may vary.
This is often confused with net price. The sticker price (COA), minus the amount of federal and institutional financial help, is the net price, or what you will pay.
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Which of the following are features of municipal bonds?
a. The interest on municipal bonds is exempt from federal taxes.
b. They are issued by state and local governments.
c. The interest on municipal bonds is, in some cases, exempt from state taxes in the state of issue.
The interest on municipal bonds is exempt from the federal taxes are features of the municipal bonds.
What is a municipal bond?A sort of bond known as a "muni," or municipal bond, is one that is issued by local or state governments as well as the authorities and special districts they create. Most of the time, but not always, holders of municipal bonds are exempt from paying federal and state income taxes on the interest they earn. For investors in the highest tax rates, tax-exempt municipal bonds are often preferred above taxable municipal bonds. To compare the two categories properly, the taxable equivalent yield must be determined. The American municipal debt market is quite small when compared to the corporate market. Local authorities in many other countries throughout the world issue bonds that are comparable, often referred to as local authority bonds or by other names.
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-1 Name the Act that makes provision for employees to improve their work performance.
Shelby's annual take-home pay is $51,000. What is the maximum amount that she can spend per month paying off credit cards and loans and not be in danger of credit overload?.
The maximum amount that Shelby can spend per month paying off credit cards and loans without being in danger of credit overload is $850. To determine the maximum amount that Shelby can spend per month paying off credit cards and loans without being in danger of credit overload, we can use the "50/30/20" rule.
This rule states that no more than 50% of your take-home pay should go towards necessities (such as housing, transportation, and utilities), 30% should go towards discretionary spending (such as dining out, entertainment, and shopping), and 20% should go towards paying off debt and saving for emergencies.
Based on this rule, the maximum amount that Shelby can spend per month on debt repayment is:
20% x $51,000 = $10,200.
To calculate this amount per month, we divide $10,200 by 12 (the number of months in a year) which equals $850.
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Coral Manufacturing has decided to cross-train employees for shipping to production for potential job-sharing between these two departments. So far, no employees have volunteered to learn the new machines. Which approach is most likely to increase employees' willingness to cross-train?
a. offer overtime pay for employees who cross train
b. develop a rotation plan so that everyone works in all departments
c. send managers through training on motivating employees
d. tell employees that cross-training is required
e. create a compensation plan that rewards employees for learning new skills
The approach that will most likely increase employees' willingness to cross-train is a. offer overtime pay for employees who cross train.
Cross-training your employees can be an effective way to increase workplace productivity and improve overall job satisfaction. To maximize the success of this approach, consider offering overtime pay for employees who cross train. Hence, option a is correct.
This can be a great incentive to get employees excited about learning new skills and diversifying their job duties. To encourage your employees to become more open to the idea of cross-training, one approach you can take is to offer overtime pay for those who take on additional tasks.
With the right incentives in place, you can create an environment where employees are eager to learn new tasks and develop new skills such as shipping.
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explain one action that a business can take when revenue decreases
Answer:
Down below
Explanation:
Assuming this is open ended, one action a business can take when revenue decreases is to advertise. Advertising puts the business name in people's minds and lets them think about it. If they realize they need something and remember your business name, they'll go to your business rather than search for others. So, it makes it easier for your customers to find you if you advertise.
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Economists believe that scarcity forces everyone to:a. satisfy all wants.b. lie about their wants.c. create unlimited resources.d. abandon consumer sovereignty.e. make choices.
Economists believe that scarcity forces everyone to abandon consumer sovereignty.
What is consumer sovereignty?According to the economic idea of "consumer sovereignty," consumers have some influence over the items that are made and are the best judges of their own welfare. Consumer sovereignty in production refers to the right of consumers, as opposed to the owners of scarce resources, to determine what final products should be produced from those resources. On occasion, it is proposed as a hypothesis that customer demand drives the production of products and services. Understanding consumer sovereignty requires an understanding of consumers and their needs. Everyone is a consumer, and they all have needs for both raw materials for manufacturing, like time, as well as finished items, like food and commodities like oil and gas.
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How does human population affect Earth's resources?
Overpopulation, pollution, the burning of fossil fuels, and deforestation are just a few of the ways that humans have an impact on the physical environment. These kinds of modifications have led to climate change, soil erosion, poor air quality, and undrinkable water.
How many people live on Earth?
The amount of people in a certain location is referred to as the "human population." The term "human population" simply refers to the total population of a region, which can be anything from a small town to the entire planet.
What exactly is the human population study?
The statistical analysis of human populations is known as demography. To examine the quantity, movement, and composition of people, demographers employ census data, surveys, and statistical models. the total number of people occupying a space or constituting a whole.
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