XYZ Mortgage Company just mailed a Closing Disclosure to a consumer. The waiting period prior to closing will begin:

Answers

Answer 1

Answer:

The waiting period will begin on the third business day after the closing disclosure is mailed.

Explanation:

The closing disclosure is a 5 page form that your mortgage lender must send to you. It includes all the relevant information about the loan that you applied for, e.g. estimated monthly payments, closing costs and other fees, etc. But the closing disclosure doesn't mean that the loan has been approved, it is a formality prior to closing the deal.


Related Questions

Which person has the lowest taxable income
Person A:earns 50,000 per year with 5,000 deductions
Person B: earns 60,000 per year with 10,000 deductions
Person C : earns 90,000 per year with 30,000 deductions
Person D : earns 100,000 per year with 60,000 deductions

Answers

Person D. pls mark brainliest

Taxable income refers to the amount of income remaining as a tax base for a period of time after all allowable deductions have been spent on total revenue. Person D has the lowest taxable income here.

What is Taxable Income?

Income that is subject to taxation and is reflected in the accumulation of a particular benefit or benefit to the taxpayer in particular.

The income on which the Government imposes a tax is called as taxable income.

Here, Person D income is 100,000 and deductions are 60,000. so now, to calculate the taxable income, we have to deduct 60,000 from 100,000 that is 40,000 will be his taxable income.

Thus, Person D has the lowest taxable income.

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In some ways, a debit card is more vulnerable to theft than cash or a checkbook. Explain how this is so. << Read Less

Answers

A debit card is more vulnerable because its contained value are sometimes high.

A debit card is a card issue to a bank account owner to enable easy access to money.

This card works by deducting money directly from the owners checking account with a bank.

A debit card can also be termed a money because its contains value and can be used pay for transaction at any point of sales.

The debit card are more vulnerable because the value therein may be large, so, fraudsters target stealing the card rather than stealing cash or checkbook.

Learn more about Debit Card here

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Total expenditures for coffee reached a maximum at a price of $5 per lb. At this price the demand for coffee is

Answers

Answer:

" Unitary elastic" would be the correct approach.

Explanation:

Whenever the overall spending would be at the optimal energy, the production is component elastic, since the amount spent was hardly starting to fall as well as neither increasing.  And therefore it is wonderfully sensitive to changement in price, and that's why the government spending is optimum as well as the quantity supplied would be unit elastic.  

Total expenditure then becomes the upper limit for unit quantity demanded besides coffee.

Which of the following is the best example of clear and concise writing for a résumé?
a.
explored every avenue
b.
last but not least
c.
at this point in time
d.
finally


Please select the best answer from the choices provided

A
B
C
D

Answers

Answer: D. finally

Explanation:

Answer: D. Finally

Explanation: I just did it on edge. Hope this helps!

You end summer with 105 tennis rackets in inventory. you only average sales of 10 rackets per week over the next three months. How long will your supply of tennis rackets last?
-
a. 10.5 weeks
b. 12 weeks
c. 14 weeks
d. 18.5 weeks

Answers

Answer:

the answer is a 10.5 weeks

Explanation:

this is because if u divide 105 tennis rackets by 10.5 weeks it gives you your average sold a week wich is 10.

10.5 weeks long will your supply of tennis rackets last, as you only average sales of 10 rackets per week over the next three months. Hence, option A  is correct.

What is average sales?

You may easily get the total amount of all sales orders inside the selected timeframe and divide by the intervals to determine the average sales for your chosen period. For instance, multiplying the value of sales for a year by 12 will yield the average sales per month the number of months in the year.

the amount of merchandise that is typically sold each day, as determined by dividing the total amount sold over a period of time by the number of days in that period: In its first month of publication, the newspaper reported average daily sales of more than 21,000.

Thus, option A  is correct.

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A company's issued share capital throughout an accounting period consists of 500,000 common shares of 20 cent each and 100,000 preference shares of $1. If net income after tax for the period is $160,000 and the preference dividend is $10,000 then the basic EPS for the period is: a. $0.30 b. $0.33 c. $0.31 d. $0.32

Answers

Answer:

a. $0.30

Explanation:

Basic Earning Per Share (BEPS) = Earnings Attributable to Holders of Common Stock ÷ Weighted Average Number of Common Stock.

Earnings Attributable to Holders of Common Stock calculation :

Net income after tax for the period                            $160,000

Less Preference Dividend                                           ($10,000)

Earnings Attributable to Holders of Common Stock $150,000

Weighted Average Number of Common Stock calculation :

Outstanding common shares                                      500,000

Therefore,

Basic Earning Per Share (BEPS) = $150,000 ÷ 500,000

                                                     = $0.30

What are two ways the government can stimulate growth in a declining economy?

Answers

The government uses what’s known as fiscal policy, which could include lowering tax rates or increasing government spending to stimulate growth.

The hartley clinic purchased a new surgical laser for $9000. The estimated salvage value is $5000. The laser has a useful life of five years and the clinic expects to us it $10000 hours. It was used 1600 hours in year 1; 2200 hours in year 2; 2400 in year; 1800 hours in a year; 2000 hours in year 5

Answers

Answer and Explanation:

The computation is shown below:

Years          Straight line            Units of production

Year 1 ($90,000 - $5,000 ÷ 5)    1,600 × 8.5 = $13,600

                    = $17,000

Year 2              $17,000                       2200 × 8.5 = $18,700

Year 3              $17,000                       2400 × 8.5 = $20400

Year 4               $17,000                       1,800 × 8.5 = $15,300

Year 5              $17,000                        2000 × 8.5 = $17,000

Total                 $85,000                      $85,000

The 8.5 come from

= ($90,000 - $5,000) ÷ (10,000 hours)

= 8.5

hence, the units of production would be most appropriate

Describe entrepreneurship. How is it different than working for someone else?
How does entrepreneurship affect you? How does it affect the economy?

Answers

It is the study of process involved in identifying a business opportunity and acquiring the necessary resources to start and run the business

~It has created employment

~It has reduced rural-urban migration since some businesses have been set up in Rural areas.

~Saving imports since goods can be locally produced reducing the cost of importing them

~It has raised people's standard of living since one can acquire goods he/she can't produce

~The government can earn there revenue from taxation of the businesses set up by the entrepreneurs

The entrepreneur is the person involved in entrepreneurship.He/she can be the employer of his/her business.Thats what makes it different from being employed/working for someone else.We can say Bill Gates is an entrepreneur since he started Microsoft

The marginal product of an additional worker multiplied by the price of the firm’s output is considered the ________.

Answers

Marginal revenue product of labor (MRPL)

Jaiden is in 6th grade and plans to attend college. He has created a college preparation plan. 1. He will fill out the FAFSA form and send it in immediately. 2. He will ask his parents if they have a college savings account. 3. When he gets to high school, he will start trying harder in school so he can qualify for academic scholarships. 4. During his last year of high school, he will get involved in sports and clubs he enjoys to qualify for scholarships. 5. Upon graduation, he will start saving money for college. Which statements identify errors in Jaiden’s plan? Check all that apply. He should wait until his last year in high school to fill out the FAFSA. He should start saving right away. It is never too early to start a savings account. He should work hard throughout middle school and high school or it might be too difficult for him to excel later, since bad habits are hard to break. He should try different sports and clubs in middle school and early high school. Then he should pick his favorites and invest more time in them. While in high school, he should quit all extracurricular activities so he can work more hours and save money. He should ask all his friends and neighbors to contribute to his college fund so it will grow faster.

Answers

Answer:

-He should wait until his last year in high school to fill out the FAFSA.

-He should start saving right away. It is never too early to start a savings account.

-He should work hard throughout middle school and high school or it might be too difficult for him to excel later, since bad habits are hard to break.

-He should try different sports and clubs in middle school and early high school. Then he should pick his favorites and invest more time in them.

Explanation:

Answer:

1

4

5

I did the test and pretty sure i got it correct

Nokia's dramatic operational change and demonstration of organizational adaptability in transforming their business from wood pulp and logging to communications is one of the best examples of which innovation characteristic

Answers

Answer: Thinking laterally

Explanation:

Lateral thinking simply refers to an indirect way of solving problems. It typically involves a new and creative way of doing something.

This can be seen in Nokia's dramatic operational change and demonstration of organizational adaptability in transforming their business from wood pulp and logging to communications.

Lateral thinking is a new and innovative wa of doing something that's quite different from how others do it. This usually gives an organization a competitive advantage over its rivals.

For each employee, you are required to pay 1.45% federal Medicare tax and 6.2% federal Social Security tax. If an
employee makes $25,000 per year, how much must you pay in these two taxes?

Answers

Answer:

A) $1,912.50

Explanation:

Both the federal Medicare tax and federal social security taxes are calculated based gross pay.

The medicare tax will be

=1.45% of $25,000

= 1.45/100 x $25,000

=0.0145 x $25,000

=$362.5

Social security tax will be

=6.2/100 x $25,000

=0.062  x $25,000

=$1,550.00

Total taxes = $1550.00 + $362.50

=$1,912.50

Robert works part-time for JJ Financial Planning, where he develops financial plans for clients. He asks clients a series of questions about their current finances and investment objectives, and uses their answers to create customized financial plans. These plans often include recommendations that they purchase insurance or variable annuities, opening IRAs or other types of retirement accounts. Robert charges a fee for the plans, but he does not earn commissions for selling clients variable annuities and insurance to implement their plans. Is Robert an investment adviser representative

Answers

Answer: Yes. Robert is is an investment adviser representative

Explanation:

Based on the scenario given in the question, we can deduce that Robert is an investment adviser representative. An Investment Adviser Representative is someone who is an employee for an investment advisory company and the person provides advice that are related to investments activities for the company.

In this case, Robert is performing the duties of an investment adviser representative for JJ financial planning.

ANSWER ASAP Which of the following may help you protect against identity theft? A. Carrying your Social Security card at all times B. Clicking on pop-up windows to verify their information C. Contacting your credit card company if you don’t receive bills D. Including your name in your online passwords

Answers

Explanation:

I think A. Because it is the only safe way to protect yourself even in the credit card company people might steal your identity and they dont know. So I say A

Answer:

Its C) contacting your credit card company if you don't receive bills

Explanation:

EDGE 2021

when you patroniz ea restaurant, you expect the restaurant to serve safe, edible food, and the restaurant expects you to pay for the food that you order. This is an example of which type of contract?

Answers

Answer:

Implied and bilateral (implied contract since the terms and conditions are assumes to by the nature for the agreement. It is bilateral in that the promise of safe and edible food is given in exchange for payment)

Goodnight y’all ! I just wanted to tell y’all that

Answers

Answer:

Good night

Explanation:

Have a sweet drem

Its 5 am where i live. i am not okay

Suppose that if your income is $100,000, your tax is $20,000, but if your income is $200,000, your tax is $45,000. Such a tax is

Answers

Answer:

"Progressive" would be the correct answer.

Explanation:

A Progressive tax was indeed determined by the capability of the tax authorities to charge or compensate. It wants to inflict a lower corporate rate of taxation on low-wage earners unlike those with maximum income levels. This would be generally accomplished by establishing taxation levels for the group of tax-paying citizens based on income frequencies.

That is why the aforementioned seems to be the correct approach.

What are the dangers associated with having a high national debt?

Answers

Answer :

In addition to showing the path of future debt, CBO's Long-Term Budget Outlook described the consequences of a large and growing federal debt. The four main consequences are: Lower national savings and income. Higher interest payments, leading to large tax hikes and spending cuts.

Answer:

Explanation:

Lower income and economic opportunities for the people. Might lose investors and business opportunities.

HELP MEEE PLSSSSSS HELPPPPPPPPPPPPP

Answers

Answer:

Uhhhhhh it's 12

Explanation:

Yea it's 12

A house has a total cost new of $212,340. It is 12 years old and has an estimated remaining economic life of 38 years. The cost to cure deferred maintenance items is $670. Short lived items Cost is $20,000 and depreciation on the short lived items has been identified totaling $4,850. What is the amount of long-lived depreciation attributable to the building

Answers

Answer:

$ 46,000

Explanation:

hope it helps!

.....

If a house has a total cost new of $212,340. It is 12 years old and has an estimated remaining economic life of 38 years. The cost to cure deferred maintenance items is $670. Short lived items Cost is $20,000 and depreciation on the short lived items has been identified totaling $4,850. The amount of long-lived depreciation attributable to the building is $46,000

First step is to determine the total economic life

Economic life=12 years+38 years

Economic life = 50 years

Second step is to calculate depreciation percentage

Depreciation percentage=12/(50) ×100

Depreciation percentage= 24%

Third step is to calculate the cost of long lived items

Using this formula

Cost of items=Total cost-Deferred maintenance -Short lived items

Cost of items=$212,340 - $670 - $20,000

Cost of items= $191,670

Now let determine the amount of long-lived depreciation attributable to the building

Using this formula

Long-lived depreciation attributable to building= Cost of the long-lived items× Depreciation percentage

Let plug in the formula

Long-lived depreciation attributable to building=$191,760×24%

Long-lived depreciation attributable to building= $46,000

Inconclusion if a house has a total cost new of $212,340. It is 12 years old and has an estimated remaining economic life of 38 years. The cost to cure deferred maintenance items is $670. Short lived items Cost is $20,000 and depreciation on the short lived items has been identified totaling $4,850. The amount of long-lived depreciation attributable to the building is $46,000

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Which of the following is NOT a primary reason for technology?
(A)Get tasks done quicker
(B)Make tasks easier
(C)Get tasks done more efficiently
(D)Make tasks more difficult

Answers

A primary reason for technology is the make a task more difficult

Answer:

D

Explanation:

technology was made so that we would do things more efficiently and with less effort, if the device that were created made tasks more difficult, we would have no need for it and it would probably be disreguarded. theres no reason to have technology that makes life more difficult

12 POINTS SENd HELP IM BEING TIMED

Explain how can you avoid conflict by adjusting your own behavior?

Answers

Conflict as in argument well for that first u should stay calm cuz when u angry u can’t make gud decisions second u have to think calmly everything and if u r wrong u have to accept it

Answer:

You can avoid conflict by adjusting your own behavior because if you are calm and don't get irritated with someone it implies that you are not trying to argue or cause a fight.

Explanation:

edge 2020 correct

An industry comprised of a very large number of sellers producing a standardized product is known as:

Answers

Answer:

The appropriate response is "Pure competition".

Explanation:

Pure competition seems to be an economically efficient circumstance where there is already a massive quantity of international customers and retailers as well as the manufacturer would be ready for deployment. Even though both a significant quantity of products as well as extremely similar or defined consumer items seem to be characteristics of pure competition.

During January, Ajax Co. Incurs 1,850 hours of direct labor at an hourly cost of $11.80 in producing 1,000 units of its finished product. Ajax standard labor cost per unit of output is $22 (2 hours x $11.00). Compute the total, price, and quantity labor variances for Ajax Co. For January. Identify whether the variance is favorable or unfavorable?

Answers

Answer:

Std rate per hour: 11.00    

Std hours = 1000*2 =2000    

Actual hours = 1850      

Actual rate = 11.80

   

Labor cost variance = Std cost - Actual cost    

Labor cost variance  = (2000*11) - (1850*11.80)

Labor cost variance = 170 Unfavorable

Labor rate variance = Actual hrs (Std rate - Actual rate)  

Labor rate variance = 1850 *(11-11.80)

Labor rate variance = 1480 Unfavorable

Labor qty variance = Std rate (Std hrs-Actual hrs)  

Labor qty variance = 11 (2000-1850)

Labor qty variance = 1650 Favorable.

Yuto owns a souvenir shop in Tokyo. He wants to reach English speaking tourists in his city during certain hours of the day. Which three areas of his Search campaign does Yuto need to adjust to achieve this goal? (Choose three.)

Answers

Answer:

Location targeting

Ad scheduling

Language targeting

Explanation:

Yuto try three new and improve methods, Location targeting , Ad scheduling ,Language targeting to reach English speaking tourists.

By using these techniques, Yuto focus on specific target and specific location for target his tourist .

The three areas of his Search campaign does Yuto need to adjust to achieve this goal are location targeting, language targeting, and Ad scheduling. The correct options are options B, C, and E.

Language targeting allows one to target the ads to people who use third-party sites based on the language they speak.

An ad schedule is a schedule that allows one to show ads or modify bids during specific times. One can create up to 6 ad schedules in an account per day, per campaign.

Location targeting allows one to choose where he/she wants to display an ad. By default the ads can be shown to people who are in, regularly visit, or have expressed interest in the desired locations.

Thus, the correct options are B, C, and E.

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The given questions do not have the options mentioned. The complete question is given below.

Yuto owns a souvenir shop in Tokyo. he wants to reach English-speaking tourists in his city during certain hours of the three areas of his search campaign does Yuto need to adjust to achieve this goal? (choose three.)select 3 correct responses shared

A) budgets ad

B) scheduling language

C) targeting network settings

D) location targeting

________ means the receiver of the message has become mentally engaged in some way with the ad and the product.

Answers

Answer:

Interest

Explanation:

I majored in Business

HELPPPPPPPPP I will give you brainliest if u r right

What does it mean to deploy a network?
A.
To set it up and implement its use
B.
To shut it down
C.
To hack into it
D.
To design it, but not do physical set up

Answers

Answer:

A

Explanation:

Answer:

AAAA

Explanation:

just did the test :))

to start a new business, a sole proprietor must meet a small number of government. Which of the following is not one of them

A. Site permit
B. Business license
C. Name
D. Work a minimum of 30 hours

Answers

Answer:

d

Explanation:

D. Work a minimum of 30 hours

except media what else can provide job information

Answers

Answer:

see below

Explanation:

Other sources of job information are

1. Trade or professional associations

They are organizations formed by professionals in the same career path. Members frequently meet to share information regarding developments in their profession.

2. Family and friends working in different organizations

Close friends and relatives are an important source of information for vacancies existing in different workplaces.

3. Educational institutions

In some cases, employers share information on their available job opportunities with schools and colleges.

4. Career or employment agencies

Employment agencies have updated information on various labor requirements for different employers

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Jenny had 56 candles. She sold 2/7 of them and then split it evenly among her and her sister. How many candles did each sister get? the domain of y=log(9-x^2),xER, is help me on 28 pleaseeeee Max bought a new pair of basketball shoes that were on sale for 25% off. If the regular price of the shoes was $75.95, what is the amount of discount? b) A satellite with mass m orbits the Earth at a radius r. A second satellite also with mass m orbits theEarth at twice the radius.How does the force of Earth's gravity acting on the two satellitescompare? PLEASE HURRY A 45 kg swimmer starting from rest can develop a maximum speed of 12 m/s over a distance of 20 m How much net force must be applied to do this ?MUST SHOW WORK! i need help asap please! The views expressed in the passage are reflected in which the following economic developments in Europe and America between 1750 and 1900The growth of an agrarian economy to sustain the basic needs of the populationThe evolution of a free market economy with industrialization and expanded tradeThe establishment of merchant banking to invest in projects by qualified individualsThe development of democratic socialism and welfare to counter the interests of wealthy elites What causes you stress in your life? The orange-spotted filefish lives in coral reefs. Warming ocean temperatures have caused coral reef destruction, causing the filefish population to rapidly decline. (2 causes) Habitat Loss Habitat Loss Invasive Species Invasive Species Pollution Pollution Population Growth Population Growth Climate Change Climate Change Overharvesting Overharvesting Sheffield Company originally issued 5400 shares of $10 par value common stock for $162000 ($30 per share). Sheffield subsequently purchases 530 shares of treasury stock for $26 per share and resells the 530 shares of treasury stock for $31 per share. In the entry to record the sale of the treasury stock, there will be a:______.a. credit to Paid-In Capital from Treasury Stock for $2650. b. credit to Common Stock for $13780. c. credit to Treasury Stock for $5300. d. debit to Paid-In Capital in Excess of Par of $15900. The cells in the human body are like little factories. In order to grow, repair, and live, the cells need supplies. Which body systems help these cells get the energy they need?A) circulatory system and immune systemB) digestive system and excretory systemC) circulatory system and digestive systemD) respiratory system and excretory system Hathorne states, At every execution I have seen naught but high satisfaction in the town."What is your reaction to this statement? Find the slope of the line passing through the points (-3. 7) and (2. -6). A specific packet journey, from your computer to a remote server, end-to-end across multiple networks, has the following link bandwidths (packet travels across each of these links, in order): 1000 Mbps, 1 Mbps, 40 Mbps, 400 Mbps, 100 Mbps, 1000 Mbps. Assuming your computer and the server can transfer data at > = 1000 Mbps (so neither device is limiting the data transfer relative to the links), how long, in seconds, will it take to transfer a 125 MB file? Classify the following substances as: Pure Substance Solution Mechanical Mixture Suspension MilkCoffee (black)SoilSugarLemon juiceSalad Dressing If a patient experiencing problems with balance and coordination, how can you tell if the problem lies within the cerebellum or the ears, which are also responsible for balance and coordination? If 765 mL of a gas at 2.78 atm, has the volume Change to 2.47 L , What is the pressure of thegas in atm? What will it take for a woman to play major league baseball, what does she need to be able to play, if she plays centerfield, runs fast, hits a lot of singles and doubles, and sometimes can hit nukes, and is athletic and able to make great catches, and has an arm for a cannon, could she make it to MLB, or are there other requirements that scouts look for other than being a man. Whats the answer ?? The triangle says 84 degrees