Why do smart consumers often make a down payment when using credit to purchase a good?
A)It reduces risk to the consumer.
B)It eliminates interest charges.
C)It reduces the cost of the financed good.
D)It reduces the interest paid to finance the good.
Answer:
Answer is d
Explanation:
if you owe less on the car from your borrowed money, then you will pay less in interest over time.
Smart customers make a down payment when using credit to purchase a good because it reduces the interest paid to finance the good. Therefore option d is correct here.
What is a down payment?A down payment basically means an amount of money that a buyer pays in the initial stages of purchasing a huge amount of goods or services. Here the down payment represents a portion of the total purchase price and the buyer will take out a loan to finance the remaining money.
For instance, to buy a car or a home or any high-investment goods, money paid upfront in a financial transaction is called a down payment.
Therefore a smart buyer will make a higher down payment because the higher it goes the less the buyer will need to borrow to complete the transaction which ultimately will lead to lower their monthly payments and the less they will pay in interest over the long term.
A down payment which is 20% or more may enable us to have a lower interest rate on an auto loan.
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What quality might be important for someone who works in the Performing Arts pathway of the Arts, A/V Technology, and Communication career cluster? List three specific careers in that pathway and explain how the quality you chose would be important to have in order to succeed in each career.
Answer:A quality that may be important for someone who works in the performing arts pathway would be to express themselves in whatever way they chose.
Audio and video technology and film - They can express their thinking or feelings through film, movies, videos, pictures etc.
Broadcasting and journalism - If people express their feelings or thoughts in Broadcasting or journalism, it would be through writing or talking.
Visual Arts - Visual arts is exactly what it sounds like, you express yourself through painting, drawing, sculptures, designing, and crafts.
Answer:
One quality that could greatly help one advance in the Performing Arts pathway is creativity.
Explanation:
With creativity one can come up with ideas on their own and make it unique by putting effort into it. Creativeness is a way for someone to express their ideas, views, and methods. Then they can share with others their masterpieces.
Marcy has just gotten a promotion at work and she wants to buy a house. She currently pays $350 a
month for a car payment and $200 a month on her credit cards. She has a gross monthly income of
$4,000. Using the Debt Ratio Formula, calculate her potential maximum monthly house payment.
Answer:
$890
Explanation:
As per the 28/36 rule, Marcy can have debts not exceeding 36% of her gross income. If her gross income is $4000, her maximum debts should be 36% of $4000
=36/100 x $4000
=0.36 x $4000
=$1,440
Marcy has a $350 car payment and 200 credit payments every month.
current monthly payments
= $350 + $200
=$550
Marcy's loan limit is at $1440; current repayments total $550.
The maximum amount that can go to a housing loan is
=$1440 - $550
=$890
Apple is offering share of their company for only $ 20 dollars. Anyone who buys a share becomes a part owner of apple. Based off of this knowledge, what type of business organization is this. Explain why
Answer:
A. Publci Corporation
Explanation:
A corporation is recognized by law as an entity separate from its owner. It is one of the business ownership structures. The shareholders are the owners of a corporation. A public corporation is permitted by the exchange authority to trade its shares in the securities exchange market.
When a public corporation wants to raise more capital, it issues new shares to the general public. They are no restrictions as to who can buy what shares. Apple must be a public corporation as its shares are being traded without hesitation.
Which career is best described by someone who buys materials, products, and services for an organization?
O Wholesale Buyer
O Marking Clerk
O Purchasing Agent
O Stock Clerk
Answer:
Purchasing Agent
Explanation:
Purchasing agents work in the procuring department under the purchasing manager. Their role is to procure supplies, equipment, and services for a company. Purchasing agents ensure the business operations do not stop due to lack of supplies.
Ideally, purchasing agents should be good negotiators. They have to balance cost and quality when purchasing. The objective is to buy the best quality of goods or services for the lowest price and adequate quantities.
Answer:
C. Purchasing Agent
Explanation:
They buy supplies needed for there organization or business.
Subtract ( p-q)-(p+q)
Answer:
Explanation:8s9s88s
All the following are ways in which business owners can promote their business to reference groups EXCEPT
a. offering a team discount.
b.selling an item at a competitive sale price.
c.providing free services to children.
d.giving a reduced price if a second person purchases the service.
Answer:
Answer option B) selling an item at a competitive sale price.
Explanation:
Is the correct answer.
Will mark Brainliest!!!
Can someone please explain the different types of stock:
- Income
- Growth
- Common
- Preferred
Explanation:
Income definitions
The definition of income is the amount of money received by a person, group or company during a certain period of time. An example of an income is a $70,000 a year salary. noun.
The definition of Grownth is development; gradual increase. size or stage of development: It hasn't yet reached its full growth. completed development. development from a simpler to a more complex stage: the growth of ritual forms.
The definition of Common is belonging equally to, or shared alike by, two or more or all in question: common property;common interests. pertaining or belonging equally to an entire community, nation, or culture; public: a common language or history;a common water-supply system.
The definition of Preffered is : used or wanted in preference to others a preferred method 'Leveled' is the preferred spelling in American English. 2 : having special status or receiving special treatment or benefits preferred customers.
Which of the following is an example of a B2B Internet service?
Answer:
ge or chain retailers' distributors, selling to organizations.
xplanation:business's audience, strengthen and develop brand affinity, and ultimately drive leads and sales by appealing to other businesses
According to O*NET, what are the two most common levels of education Loading Machine Operators earn? Check all that apply associate degree high-school diploma or equivalent some college, no degree less than high-school diploma. HELP!
Answer:
B D
Explanation:
Trial and error
Answer:
B and D
Explanation:
What role did designer Carter Bryant play in this intellectual property case? A O MGA Entertainment claimed that his design for Mattel was hurting their profits. O Mattel claimed that he created the design under dispute while working for them. Mattel claimed that he stole his design from one of the employees at their company. O MGA Entertainment claimed that his design was too close to one created by Mattel.
Answer:
B Mattel claimed that he created the design under dispute while working for them.
Explanation:
edge 2020
The role designer Carter Bryant played in this intellectual property case was that Mattel claimed that he created the design under dispute while working for them.
Thus, the correct option is B.
What is intellectual property?Intellectual property is a type of property that includes intangible human intellect creations. There are many different types of intellectual property, with some countries recognising more than others.
Carter Bryant was a Mattel employee who left the company to work for MGA Entertainment, Inc. Bryant violated his contractual and common law obligations to Mattel, according to a state court complaint filed against him, by failing to disclose his concept sketches and sculptures of the Bratz dolls.
According to Mattel, Bryant's right, title, and interest in any inventions he imagined or put into action while working for Mattel were mutually intended to be assigned to Mattel under the terms of the Inventions Agreement.
Therefore, Mattel claimed that he created the design under dispute while working for them.
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Which of the following sections of a business plan contains information about the different departments in the company and what they do? A. Organization B. Products and Services C. Marketing and Sales D. Executive Summary
Answer:
A. Organization
Explanation:
The organization and management section outlines the hierarchy of the people involved in the business. It provides the company's organizational structure in a chart format. This section detail the management team, internal and any external human resources that the company uses or intends to use. It may list their names and remunerations paid to each of them.
The organization section also defines how the different roles relate to each other when executing the business mandate.
pls be nice and answer this for me. in the middle of a test. 50 pts!
Nate received an unusually large requisition order from another department for a new type of material that they had not purchased before. He had a good relationship with the supplier so he sent the supplier an invoice for the order. What should Nate have done differently?
A. Solicited for a bid from the supplier
B. Solicited for a purchase order with the supplier
C. Ask the supplier for Verification for the requisition order
D. Used a new supplier since it was a new type of goods
Answer:
Solicited for a bid from the supplier.
Explanation:
Solicited for a bid from the supplier should Nate have done differently. Thus, option (a) is correct.
What is supplier?
The term supplier refers to supplies of the raw material and the goods. The supplier was the always part of the company to provide the customer the goods and the services. Suppliers provided the transportation of those materials. Suppliers are the mediator of the supply chain.
A bid is solicited, it signifies the target is actively looking for a buyer and wants to be bought as the supplier. These offers—also known as those that have the support of the management of both companies are frequently referred to as “friendly takeovers.” Solicitation bids, submission bids, and selection bids are the three different categories of bids.
As a result, the solicited for a bid from the supplier have the differently done. Therefore, option (a) is correct.
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What is the MAIN reason why some stores want to close on Thanksgiving?
Workers want to be paid too much for holiday hours.
BRAINLIEST AND 50 POINTS FOR FREE IF YOU ANSWER THIS QUESTION
Retailers want to respect the holiday and allow families to spend time with one another.
The cost to be open on the holiday is higher than the profits stores make.
It is too difficult to compete with major retailers like Target and Best Buy.
[tex]\mathrm {Hey, there!}[/tex]
Your answer is:
It is too difficult to compete with major retailers like Target and Best Buy.
When a lot of people buy things from a store, there is a lot of turbulence in many stores, espeically in big retailers. The answer will be It is too difficult to compete with major retailers like Target and Best Buy.
Best of Luck!
Answer:
they close stores either because the manager cant go because they wont to be with there families or because no one goes to work that day on purpose
1. As an Organizational Psychologist, you have thought of arranging a picnic in two weeks' time for your employees from all departments and their families to unwind their work stress and give them a healthy mental break. There are many fun activities that you have planned. For the children, there will be games like three-legged races and kite-flying. For the adults, besides the baseball game in the afternoon, there will also be sack race and horseshoes. There will be prizes for the winners of all the events. Lunch should be around noon, and you are generously providing all the food and drinks, so let your employees know that they do not need to bring anything.
Hello. This question is incomplete. The full question is:
As an Organizational Psychologist, you have thought of arranging a picnic in two weeks' time for your employees from all departments and their families to unwind their work stress and give them a healthy mental break. There are many fun activities that you have planned. For the children, there will be games like three-legged races and kite-flying. For the adults, besides the baseball game in the afternoon, there will also be sack race and horseshoes. There will be prizes for the winners of all the events. Lunch should be around noon, and you are generously providing all the food and drinks, so let your employees know that they do not need to bring anything.
Your Task: Write a memo requesting, but not demanding, that employees attend the picnic. Also ask your employees to confirm at least one week in advance whether they are coming or not, and also how many guests they are bringing. Also, make sure employees know when and how to respond to you. Be sure to list the activities for that day as well.
Answer:
MEMORANDUM No. 0120
From: Department of Organizational Psychology
For: All employees and families
Subject: Invitation to the annual picnic for socializing.
November 25, 2020.
Dear employees,
We have the honor of inviting all employees and their families to participate in the annual picnic of fraternization that our company will hold on December 20 at 2 pm, at the Club Santa Anne. On the occasion we will offer recreational activities, games and relaxation sessions to promote a day of leisure for our employees. We also have activities for children and a delicious lunch and snack for everyone.
The piquimique will be offered completely free of charge and we hope to meet everyone, although the presence is not mandatory.
In order to avoid waste, we would like to ask you to confirm your presence and the number of guests you intend to bring. This information should be sent to the psychology department email and we ask that the information be sent by January 10th.
We count on your understanding.
Regards,
Maria Lopes.
Director of the psychology department.
PLEASE HELP NOW
Which is NOT a source of financing in the primary mortgage market?
Savings and loans
Mortgage bankers
Banks
Hedge funds
Answer:
Hedge funds
Explanation:
A mortgage is a long-term loan facility used to finance the purchase of homes and other properties. It is a long-term loan due to the high amount that needs to be borrowed. Customers in need of a mortgage facility may go to a bank, mortgage bankers, or savings and loan institution.
A hedge fund is a portfolio investment instrument. It is an association between a professional fund manager and investors. They pool their resources together in diversified investments. The investors are passive while the fund manager aggressively invests the funds r to generate higher returns to the investors.
PLEASE HELP ME I WILL GIVE BRAINLIEST
Answer:
a supply chain managers. thanks
why lemon pickles are not stored in metal utensils?
Answer:
since lemon pickle is acidic in nature , it. an react with the untensil's metal ( like copper , aluminium, etc ) , to form toxic salts , hydrogen gas and oxides , which lead to oxidation and hence spoliage of pickle
Unitron Corp. Is considering project Z, which costs $50 million and offers an annual after-tax cash flow of $7.5 million in perpetuity. The project is in an industry that has greater market risk than Unitron's typical projects. Unitron's company weighted-average cost of capital, based on its typical projects, is 15%. Should Unitron Corp. Accept project Z?
Answer: No, because the NPV of the project is negative.
Explanation:
First calculate the present value of this project's cashflows.
As it is in perpetuity, the present value is;
= Annual Cashflow/ Discount rate
= 7,500,000/0.15
= $50,000,000
NPV = Present Value of Cashflow - Investment
= 50,000,000 - 50,000,000
= $0
We discounted using the company's WACC but this project is said to be in an industry that has greater risk than Unitron's other projects.
This means that the relevant rate will be higher than 15% and when NPV is computed with anything higher than 15% for this project, the NPV will be negative because 15% is where it is at $0.
This project should not be accepted because it will have a negative NPV.
Rayman Automobiles, an automobile manufacturing company, was founded in 1912. The company primarily focused on creating greater efficiencies by refining its processes and creating specialized jobs. This allowed the company to increase its output and lower the prices of its products. As a result, automobiles became an affordable commodity. In the context of the history of American business, Rayman Automobiles was most likely founded during the _____. a. marketing era b. digital information era c. production era d. entrepreneurship era
Answer:
Option C: Production Era
Explanation:
The production era. Is known as Stage 2 of marketing's evolution. found in the 1930s, highest production capability than ever before. The problem now became competition then. It was characterized by mass production of lots of products increased the availability of product in the marketplace that is available.
Your email campaign has an open-rate of 9.6%, you emailed 25,000 people. How many people opened your email?
Answer:
2,400 people
Explanation:
if open rate is 9.6%
people emailed were 25,000
the people who opened will be 9.6% of 25,000
=9.6/100 x 25,000
=0.096 x 25,000
=2,400
What are you paying for when you lease a car? A.the purchase price of the car
B.)the production costs of the car
C.)rent on a parking space
D.)the decrease in the car's value
Answer:
D
Explanation:
when you lease a vehicle, your monthly payment will be calculated based on the vehicle's depreciation, or the change between its current value and its value at the end of the lease obviously plus interest and fees. .
The bank pay for the use of money in the form of
Answer:
see below
Explanation:
Banks pay interest on customer deposits. It means that a customer's deposit will grow if left at the banks for some period. When a customer deposits, the bank retains only a small fraction of the money in its custody. The bigger portion is loaned out to other customers. Therefore, a bank uses customer deposits to create loans. In return, the banks will pay customers interest for the use of their deposits. Banks also charge interest when they loan out money.
When people make decisions together, they develop a ____ to each other and are therefore more committed to the outcome.
a. social commitment
b. moral commitment
c. hierarchical commitment
Answer: Social commitment
Explanation: Social commitment is defined as the commitment or burden of the members of a society, whether they are members of a group or as individuals.
When there is a social commitment, people agree and reach a decision in order to fulfill what has been agreed. Regardless of the decisions that have been made as a group, once they are made it is important that they are followed and that everyone does their part.
What are some negative effects of the traditional economy?
a. they are always choosing new ideas and technologies
b. they are inefficient in providing goods and services to the society
c. they assign jobs based on test scores
d. all of the above
Click this link to view O*NET’s Skills section for Accountants. Note that common skills are listed toward the top and less common skills are listed toward the bottom. According to O*NET, what are some common skills needed by Accountants? Check all that apply. mathematics reading comprehension equipment maintenance quality control analysis active listening writing
Answer:
mathematics reading comprehensionanalysisExplanation:
Accountants work in the finance department of an organization. Their services are required in almost all sectors of the economy. Accountants revolve around keeping, updating, and interpreting financial records of a business.
Financial transactions are recorded and reported in numbers. Therefore accountants need to be good at mathematics. They require analytical skills to interpret and evaluate financial information. Accountants also need reading and communication skills to work well with other departments.
Answer:
mathematics
reading comprehension
active listening
writing
i will give brainiest to the answer that is right
Answer:
D. 14.99%
Explanation:
Nancy has been studying microbiology as a part of her cosmetology course. What knowledge would she gain?
OA.
how to prevent transmission of infection
OB.
how to use the right strokes in a facial
OC.
how to inject vitamins
OD
how the personal care products are absorbed in the skin
OE.
how correct body mechanics can help during a procedure
Answer: A. how to prevent transmission of infection
Explanation:
Microbiology deals with understanding microorganisms such as bacteria, viruses, fungi and others. Some of these microorganisms are the cause of infections when they come in contact with other living things.
In studying microbiology as part of cosmetology, Nancy will most probably gain knowledge on how to prevent transmission of these microorganisms that cause infection.
Having a bachelor's degree will allow you to
work as which of the following in education?
A. superintendent
B. vice-principal
C. teacher
what is a skill ?
1. A person may be interested in an occupation.
2. the ability to do a certain task well.
3. Work that you do
4. Needs