If young couple with a high credit score would like to buy a run down house in a high risk neighborhood. the lender refuses to lend in that neighborhood, the lender is guilty of redlining.
What is credit score?Credit score is a score that enables lender to know if a borrower can payback the money they lend to them. A high credit score means the borrower will payback the money lend to that within the repayment stipulated period while a low credit score is a sigh that the borrower may not payback the loan amount lend to them.
Redlining is when a service provider refuse to render a service to a person or an individual that reside in some area due to their race.
The lender is guilty of redlining because despite the couple high credit score the lender refuses to lend them because of the neighborhood they came from.
Therefore If young couple with a high credit score would like to buy a run down house in a high risk neighborhood. the lender refuses to lend in that neighborhood, the lender is guilty of redlining.
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The complete question is:
a young couple with a high credit score would like to buy a run down house in a high risk neighborhood. the lender refuses to lend in that neighborhood, the lender is guilty of
________ is a form of freeware, where the developers accept contributions for themselves or for nonprofit organizations.
Donationware is a type of free software where the creators take donations for themselves or for nonprofit organizations.
Donationware is a type of freeware in which the program's creators accept gifts in exchange for the program itself. On the surface, this might seem like an odd idea, but in reality, it's extremely typical and has played a significant role in the business ever since its inception in the early days of personal computing.
The decision to create contribution ware rather than simply selling the item outright can be made for a variety of reasons, and both people who create it and those who buy it can benefit from it in a variety of ways. However, a lot of individuals believe that donationware offers the best of both worlds: a means of self-promotion and money growth without upsetting users or breaching the law.
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A financial magazine conducted a survey. it showed that a person with more years of education tends to have a higher salary. what is likely true?
A financial mag conducted a survey. it showed that a person with extra years of schooling tends to have a better salary. what's in all likelihood authentic? there's no correlation between years of schooling and income.
Financial normally refers to money subjects or transactions of some length or significance: a financial wizard. fiscal is used particularly in connection with government funds, or those of any enterprise: the cease of the economic 12 months. economic relates particularly to cash as such: a monetary device or standard.
Finance is defined as providing cash or credit for something. An example of finance is a financial institution loaning a person money to buy a residence.
Finance may be divided widely into three wonderful categories: public finance, corporate finance, and private finance. greater latest subcategories of finance encompass social finance and behavioral finance.
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if banks are ever running short on funds because they either don’t have a lot of savers depositing money in deposit accounts or get unexpected funding requests, they have a variety of sources they could borrow money from.
False, The banks typically generate income by borrowing funds from depositors and paying them back at a predetermined interest rate.
More about banks:
Furthermore, banks typically diversify their lines of business and make money through nontraditional financial services like investment banking and wealth management. However, the following categories can roughly be used to describe the money-generating activities of banks: Income from interest, capital markets, and fees
Banks are required to keep cash reserves with the Reserve Bank equal to a fraction of their demand and time liabilities. They must keep a current account with the Reserve Bank for this reason. The Banking Departments of the Reserve Bank's Regional offices open the banks' current accounts.
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This agreement would increase utility for each spouse, compared to the nash equilibrium from the previous part of the question. True or false
TRUE. Comparing this agreement to the Nash equilibrium from the first section of the inquiry, each spouse's utility would grow.
When predicting the results of a game's decision-making interaction, Nash equilibrium is used as a representation of the action profiles of each participant. As a result of the blending of all players' strategies, it replicates a steady state in which no player may profit from changing its approach unilaterally.
TRUE.
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The law of supply states that as the price of a good rises, the quantity supplied of that good disappears. decreases. remains the same.
It has been stated under the law of supply that as the price of a good rises, the quantity supplied of the good in the market starts to increase. Therefore, the option D holds true.
What is the significance of law of supply?The law of supply can be referred to or considered as the law under an economy that represents the relationship between price and quantity of a good in the market during a given time. According to this law, when price decreases, the supply is also decreased, and vice versa.
Therefore, the option D holds true and states regarding the significance of law of supply.
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The missing options to the incomplete question have been added below for better reference.
The law of supply states that as the price of a good rises, the quantity supplied of that good
Disappears.
Decreases.
Remains the same.
Increases
Xplain the difference between adverse selection and moral hazard in insurance markets. can one exist without the other?
It happens the borrower knows that someone else can pay for the error he makes. This in turn gives him the incentive to behave in a riskier manner this monetary idea is called a moral hazard. instance: you haven't insured your own home from any destiny damages.
Moral hazard happens while a person going through chance changes one's conduct relying on whether or not or not one is insured. for example, dental care insurance may additionally lead people to be less cautious about their mouth hygiene, which can be pondered in a higher opportunity of caries (ex-ante ethical hazard).
A moral hazard is a scenario wherein one birthday celebration engages in unstable conduct or fails to behave in exact faith because it knows the other celebration bears the economic effects of its behavior. moral danger can occur whilst governments make the selection to bail out large agencies.
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donna quit her job at portland, inc. and joined a rival company. portland, inc. accused her of breaking her contractual obligations and decided to take her to court. in this scenario, which component of social justice is involved?
Donna quit her job at Portland, inc. and joined a rival company. Portland, inc. accused her of breaking her contractual obligations and decided to take her to court.
In this scenario, Civil Justice component of social justice is involved.
What is Civil Justice?
Civil justice is a way for individuals to get a fair solution when they have been injured or harmed due to another person's negligence, recklessness, or malpractice.
The civil justice system gives right to the individual to sue for money damages and obtain recovery for the injuries. The civil justice system allows the individual to hold others accountable for their actions. If the court figures out that one is liable, then that party has to 'show the money' and pay damages to the injured party.
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Donna left Portland, Inc. and started working for a competitor organization. Her contractual commitments were allegedly broken, and Portland, Inc. chose to sue her. Civil justice, a part of social justice, is concerned in this situation.
What is civil justice?When someone has been wounded or harmed because of someone else's carelessness, negligence, or malpractice, civil justice is a mechanism for them to get a fair resolution. The civil justice system permits one to file a lawsuit for monetary damages and receive compensation for injuries. In other words, through the civil justice system, one can make people answerable for their deeds. If one is found to be at fault by the court, they must "present the money" and compensate the victim.Civil law is designed to resolve conflicts in the legal system between individuals or between individuals and corporations. You have the right to file a civil lawsuit against someone you believe has wronged you if you feel that they have violated their rights.Donna left Portland, Inc. and started working for a competitor organization. Her contractual commitments were allegedly broken, and Portland, Inc. chose to sue her. Civil justice, a part of social justice, is concerned in this situation.
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In an electronics manufacturing company, technicians and executives are likely to look for the same types of information in company documents.
a. true
b. false
The correct option is b: False. In an electronics manufacturing company, technicians and executives are not likely to look for the same types of information in company documents.
The term "Company Documents" refers to each information or Subject Instrument as well as all other contracts, indentures, mortgages, deeds of trust, loan or credit agreements, bonds, notes, debentures, evidences of indebtedness, swap agreements, hedging agreements, leases, and other instruments or agreements to which the Company or any of its subsidiaries is a party, by which the Company or any of its subsidiaries is bound, or to which any of the Company's property or assets.
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when sellers use paid, nonpersonal communication to engage in mass selling and identify themselves as the sponsors of that communication, they are using
Sellers who engage in mass selling through sponsored, impersonal communication and identify themselves as the sponsors of such communication are utilizing advertising.
Who are you calling an advertiser?
An approach for interacting with potential customers is advertising. According to the Advertising Association of the UK, ads are paid-for messages that are sent with the intention of informing or persuading the recipients.
An aggressively commercial, impersonal message is used in advertising to sell or promote a product, service, or idea.
The goal of advertising is to convince a certain audience to buy a product or service. This, which, is one of the earliest forms of marketing.
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Which system functionality must your website have to be able to personalize or customize a product for a client?
To be able to tailor or customize a product for a customer, customer on-site tracking also known as website tracking should be available on your website.
What is customer on site site tracking.Businesses can use customer on site tracking to get information about site visitors on their websites. The data may include internet habits like how long a visitor spends on a page or tracking website viewing patterns. It is used for a variety of functions, including as giving firms website analytics information and targeted digital advertising. Websites primarily track users in order to learn more about how their visitors interact with the site, to deliver a more individualized online experience, and to monetize the user. Here are some instances of user tracking on websites that isn't related to advertising.
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The complete questions is: "Which system functionality must your Web site have in order to be able to personalize or customize a product for a client?
A) an ad server
B) a site tracking and reporting system
C) an inventory management system
D) customer on-site tracking"
the balance sheet: multiple choice question. focuses on the organization's earnings for a period of time. is like a movie of the organization's progress over a period of time, such as a year. is like a snapshot of the organization's financial position, frozen at a specific point in time. focuses on the organization's cash flows at a specific point in time.
The balance sheet is like a snapshot of the financial position of an organization, frozen at a particular point in time. Thus, the correct answer option to this question is (c). Balance sheet demonstrates all of the company's assets, liabilities, and owner equity at a particular time frame.
The balance sheet provides a clear picture of an organization’s financial statement and provides the information about how much risk a business is exposed to, and how likely it is that the business will survive.
The Balance sheet demonstrates an organization’s liquidity by imparting how much cash an organization has now and which assets will be accessible in the form of cash.Thus, an organization may use its balance sheet to assess risk, check that it has adequate cash on hand, and determine how to raise further capital (through debt or equity).
While the other options are not correct and don't align with the context of the balance sheet.
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talia’s income has increased from $500 to $1,000 a week. as a result of this, talia’s consumption of tacos at margarita’s mexican grill has increased from 10 tacos a week to 50 tacos a week. what is talia’s income elasticity of demand, using the midpoint method?
Talia’s income elasticity of demand, using the midpoint method is
Income ($) Quantity demanded
Y1 = 500 Q1 = 10
Y2 = 1000 Q2 = 50
Income elasticity (Mid Point Method)
YEd = [(Q2 - Q1) / (Q2 + Q1)/2] ÷ [(Y2 - Y1) / (Y2 +Y1)/2]
=> YEd = [(50 -10) / (50+10)/2] ÷ [(1000 - 500) / (1000 + 500)/2]
=> YEd = [(40) / (60/2)] ÷ [500 / (1500/2)]
=> YEd = [40 /30] ÷ [500 / 750]
=> YEd = [40 /30] * [750 / 500]
=> YEd = 2
the income elasticity of demand is 2.
The demand for a very good will increase or decreases depending on several elements. This consists of the product's rate, perceived high-quality, marketing spend, patron earnings, consumer confidence, and modifications in flavor and style.
The character of call for. the nature of demand. call for—the quantity of a terrific or provider that a patron is willing and able to shop for at numerous feasible expenses all through a given time period. quantity Demanded—amount patron is inclined and in a position to buy at each precise rate at some stage in a given term.
Direct demand is the demand for commodities or offerings meant for final intake. This demand arises out of the herbal desire of a man or woman to devour a selected product.
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Julia sets up a meeting with a team of clients from a media company. which action would convey that julia understands the etiquette of in-person meetings? a. canceling the meeting an hour before the scheduled time b. listening to what the clients say without interrupting c. scribbling notes and passing them to her coworkers d. describing her recent vacation experiences in detail e. rolling her eyes and crossing her arms when listening
Answer:
Listening to the clients
Explanation:
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If+investors+expect+a+14%+return+on+a+$50+stock+that+pays+a+dividend+of+$2.50,+what+is+the+implied+capital+gain+rate?
An investor puts capital to use for long-term gain, while a trader seeks to generate short-term profits by buying and selling securities over and over again. Investors typically generate returns by deploying capital as either equity or debt investments.
Total expected return = Dividend yield + Capital gains yield
Dividend yield = $2.50/$50 = 5%
14% = 5% + Capital gains yield
Capital gains yield = 14% - 5%
Capital gains yield = 9%
An investor puts capital to use for long-term gain, while a trader seeks to generate short-term profits by buying and selling securities over and over again. Investors typically generate returns by deploying capital as either equity or debt investment.
Disclaimer:- The correct format of the question is given below.
If investors expect a 14% return on a
$50 stock that pays a dividend of $2.50, what is the implied capital gain rate?
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Since career objectives are difficult to achieve, most people need to make ____.
Since career objectives are difficult to achieve, most people need to make career decisions.
Secure a career objective in a respected organization to expand your insights, knowledge, and skills. Make full use of your training and skills to secure responsible career opportunities that contribute significantly to the company's success.
Resume career objectives is primarily a resume pitch that mentions career goals and objectives. This is important information for employers, and well-written goals can grab the attention of recruiters.
Goals should be measurable so that achievement can be shown. If your goals aren't measurable, you have no way of knowing if your project is on track or if you've met your goals by the time the project is completed. Achievable: Goals should be realistic and achievable.
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Marketers create _______ for customers when they develop products that allow customers to satisfy their needs and wants through exchange relationships.
Marketers create value for customers when they develop products that allow customers to satisfy their needs and wants through exchange relationships.
What is Product development?Product development is the term used to describe the entire process of bringing a product to market. Additionally, it encompasses updating a current product and launching an outdated product into a new market. This entails figuring out the product's concept, developing the product roadmap, launching the product, and gathering customer feedback.
Product design's fundamental component is new product development (NPD). Till the end of the product life cycle, the process is not complete. By expanding or including new features, you can continue to gather customer feedback and iterate on future versions.
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Employees' feelings about their actual duties and tasks on the job are part of the facet known as?
Employees' feelings about their actual duties and tasks on the job are part of the facet known as satisfaction with the work itself.
What mean duties?
Some thing that one is anticipated or required to do by using moral or criminal responsibility. The binding or compulsory force of something that is morally or legally right; moral or prison responsibility. An movement or project required via someone's function or career; function: the duties of a clergyman.
What are duties instance?
A duties (additionally referred to as an obligation) is something that a citizen is required to do, by using regulation. Examples of duties/obligations are: obeying legal guidelines, paying taxes, defending the kingdom and serving on juries.
What's some other word for duties?
A few commonplace synonyms of duty are venture, chore, task, stint, and assignment. Even as some of these words mean "a bit of labor to be done," duty implies an obligation to carry out or obligation for overall performance.
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If 4 million of those who are currently unemployed become discouraged workers, teh unemployment rate will:________
If 4 million of those who are currently unemployed become discouraged workers, the unemployment rate will decrease.
Offering government training programs to those who are structurally unemployed, paying subsidies to businesses that train displaced workers, assisting those who are unemployed in relocating to areas where jobs are available, and encouraging job seekers to find employment are all suggested policy measures to reduce structural unemployment.
Fiscal policy is the government's second method for lowering unemployment. By expanding spending on government programs, the president and Congress expand the fiscal policy to generate jobs. The New Deal and the Economic Stimulus Program of 2009 are two excellent examples.
By lowering taxes, the program can also provide people with more money to spend. The economy is deemed to be overheated if unemployment is excessively low. Inflation raises its level of concern at that point.
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When a firm puts up collateral assets to back up a loan, the debt is said to be?
In secured debt, a firm puts up collateral assets to back up a loan.
What is Secured Debt?A secured loan is one in which the lender pledges an asset as security for the loan, turning the pledged asset into a secured debt owing to the lender (the creditor). Secured debt has some form of security. In the event of a secured loan default, the collateral may be taken back by the lender. Mortgages, vehicle loans, and credit line cards are a few examples of secured debt. Unsecured debt is not backed by any collateral. An unsecured loan's funding is provided by the lender only on the strength of the borrower's credit and repayment commitment. Secured debts are obligations for which the debtor pledges a valuable item as a guarantee or deposit for the loan.
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This subarea of finance is important for adapting to the global economy.
a) investments financial
b) management international
c) finance financial
d) institutions and markets
An international finance is the subarea of finance that is important for adapting to the global economy.
What is an international finance?As a study, the International finance refers to the study of monetary interactions between two or more countries that focuses on areas such as foreign direct investment and currency exchange rates.
In the economic sphere, it means deals with the economic interactions between multiple countries, rather than narrowly focusing on individual markets. Hence, it is the subarea of finance that is important for adapting to the global economy.
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A widely used activity base for developing factory overhead rates in highly automated settings is?
A broadly used interest base for growing manufacturing facility overhead charges in notably automatic settings is Machine hours.
In business, overhead or overhead fee refers to an ongoing fee for operating a business. Overheads are expenditures that can't be simply traced to or recognized with any specific revenue unit, unlike running fees inclusive of uncooked cloth and exertions.
Overhead charges, regularly referred to as overhead or running prices, refer to the fees related to going for walks in a business that cannot be connected to developing or producing a product or service. they're the charges the commercial enterprise incurs to live in the enterprise, no matter its success level.Overhead expenses are all costs on the profits declaration except for direct exertions, direct materials, and direct expenses. Overhead costs include accounting fees, marketing, coverage, interest, prison expenses, exertions burden, hire, upkeep, supplies, taxes, telephone payments, tour prices, and utilities.
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Abc company has divided its employees into departments of manufacturing, marketing, and finance. the company is said to have a(n) _____ structure.
Abc organization has divided its employees into departments of manufacturing, advertising, and finance. the business enterprise is said to have a(n) functional shape.
Manufacturing is defined because of the introduction of the latest products, both from uncooked materials or additives. Examples of manufacturing include automobile businesses, bakeries, shoemakers, and tailors, as they all create products, in place of providing services.
Manufacturing means producing goods in huge portions after processing from raw substances to extra valuable products. production enables transforming the uncooked materials into completed items on a massive scale and as a result, allows earning earnings as finished goods are costlier than uncooked substances.
There are 4 primary manufacturing methods for producing favored. form of a product. these are casting, machining, becoming a member of (welding, mechanical fasteners, epoxy, and so on.), and deformation methods.
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with the use of integrated marketing communications, a company's mass-market advertisements, web site, e-mail, and personal selling communications all have .
With the use of integrated marketing communications, a company's mass-market advertisements, web site, e-mail, and personal selling communications all have the same message, look, and feel.
What is Integrated Marketing Communication?
The goal of integrated marketing communication (IMC) is to give customers a consistent, seamless, and multidimensional brand experience. This means that the brand will communicate with consumers by integrating a variety of media, including television, radio, newspapers, the internet, and personal media like email and phones. The goal of IMC is to effectively target the target audience and influence their purchasing decisions by delivering the message to customers in a smooth and consistent manner across all media.
Through marketing channels including advertising and content production, the IMC method seeks to maximize brand recognition. Larger brands utilize it to maintain their corporate image. Smaller companies use it to stand out in the marketplace.
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A pro-forma financial balance sheet can help a manager to estimate the amount of external financing her/his firm needs. the formula to calculate external financing needs is stated as:______.
The formula to calculate external financing needs is stated as: Subtract the company's projected working capital needs and capital expenditures from net income.
What is the necessity for external financing?
The difference between projected assets, projected liabilities, and projected equity arises from either too little or too much financing being planned for the anticipated rate of asset growth (external financing required, or EFR).
What does "external finance" mean?
Money that comes from outside a firm is referred to as external sources of finance. Family and friends, bank loans and overdrafts, venture capitalists and business angels, new partners, share issuance, trade credit, leasing, hire buy, and government grants are just a few of the external strategies a business can employ.
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A grand strategy that involves expansion of things like sales revenues, market share, or number of employees is known as a ______ strategy. multiple choice question.
A grand strategy that involves expansion of things like sales revenues, market share, or number of employees is known as a growth strategy.
What is growth strategy?A growth strategy can be defined as the type of strategy that enables companies or organization to plan on how to expand and grow their business.
Most companies tend to make use of growth strategy when they want to do the following:
Increase their market sharesIncrease their sales revenueIncrease their number of workers or employee etc.Therefore a grand strategy that involves expansion of things like sales revenues, market share, or number of employees is known as a growth strategy.
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what should be included in a financial plan to protect assets? a. how much money you will make b. how much money you will have in savings c. how much money you will invest d. how much insurance you will carry brainly
Analyzing several factors that show the required level of protection is part of an asset protection strategy. The sort of assets, the form of the claim, the creditor's identity, and other crucial considerations are only a few. Thus, Option d is correct.
What is a Financial plan?
A financial plan outlines a person's long-term financial objectives and develops a method for achieving them.The plan needs to be thorough but also highly individualised to take the person's personal and family circumstances, risk tolerance, and expectations for the future into account.The strategy is the culmination of the plan, which began with a computation of the person's present net worth and cash flow.A financial plan is a written description of a person's current financial condition, long-term financial objectives, and plans for achieving those objectives. A financial plan can be made independently or with the assistance of a professional financial planner and begins with a detailed assessment of the person's present financial situation and future expectations.To know more about Financial plan visit:
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brendon had total job benefits of $39,500 last year. he was required to wear a shirt with the company logo on it for work that he was responsible for buying. brendon purchased 12 shirts for work during the year at a cost of $23.95 each
Brendon's total employment compensation last year is $39,077.60
What is Employment Compensation?
Employee compensation (CE) is a statistical word used in national accounts, balance of payments statistics, and occasionally in corporation accounts. It essentially refers to the total gross (pre-tax) salary paid by employers to employees for labour performed within a specific accounting period, such as a quarter or a year. However, at least in national accounts and balance of payments statistics, the aggregate includes more than just gross wages. This is due to the definition of CE in these accounts, which is "the total remuneration, in cash or in kind, payable by an enterprise to an employee in return for labour performed by the latter during the accounting period." It is essentially an employer's total labour expense, which is covered by capital or sales.
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The process of translating ideas into words that will convey meaning is referred to as?
The process of translating ideas into words that will convey meaning is referred to as encoding.
What is meant by encoding?A string of characters letters, numbers, punctuation, and particular symbols are transformed into a format for efficient transmission or storage through the process of encoding in computers. Decoding is the process of recovering the original string of characters from an encoded format.
While decoding is translating printed words into sounds or reading, encoding entails employing individual sounds to construct and produce words.
Thus, it is encoding.
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where there are more than two goods being created in every country yet we only use two on the ppf. why is that?
Where there are more than two goods being created in every country yet we only use two on the PPF because it helps in economic growth.
Grouping all things into the two fundamental categories of consumer and capital goods is the easiest way to demonstrate economic progress. A PPF that moves outward indicates that an economy's production capacity has risen.
Even the fundamental economic issue of a nation with finite resources, opportunity costs, and economic scarcity can be shown in a production possibility curve. Opportunity cost is the price paid when one option is chosen over another. PPF is a tool used by economists to demonstrate the trade-offs that result from scarcity.
By dividing the available production space between levels of production that can be achieved and those that cannot, the PPF curve's addition depicts scarcity.
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What is the loan to value of the following property?
current appraisal $103,000,000
book value $88,000,000
loan amount $66,000,000
balloon payment $38,000,000
interest-only period 2 years
The following property has a loan to value of 64%.
Loan to Value = Loan Amount / Current Appraisal of the asset
= 66,000,000 / 103,000,000
= 64.077%
= 64%
What Is the Loan-to-Value (LTV)?
Before approving a mortgage, financial institutions and other lenders evaluate the loan-to-value (LTV) ratio as a measure of lending risk.Loan-to-value (LTV) is a ratio that is frequently used in mortgage lending to evaluate how much of a down payment is required and if a lender will grant credit to a borrower.Lenders prefer lower LTVs, but borrowers must contribute greater down payments because of this.When the loan-to-value ratio is at or below 80%, the majority of lenders offer mortgage and home equity applicants the lowest possible interest rate. Mortgages become more expensive for borrowers with higher LTVs.To know more about Loan-to-value numerical visit:
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