Business College

which of the following describes a federal student loan? a funds provided by a private business that do not need to be paid back b funds provided by credit unions that must be paid back c funds provided by government that do not need to be paid back d funds provided by the government that must be paid back

Answers

Answer 1

Answer:

Explanation:

Plain and simple:)

mark brainliest? :)

Related Questions

Which is not an advantage of a savings account?
A. You can deposit money in a savings account anytime.

B. The FDIC insures your savings against loss.

C. Savings accounts have low interest rates.

D. Savings accounts earn interest.

Answers

Answer:

C. Savings accounts have low interest rates.

'Savings accounts have low interest rates,' is not an advantage of a savings account.

What is a savings account?

A savings account is a deposit account that lets you deposit money safely with a bank. It also ensures safety and access to your money whenever you need. You can withdraw your money, either digitally or in person, at any point in time, from your savings account.

In savings accounts, interest can be compounded, either by daily, monthly, or quarterly means and you can earn interest based on that. In exchange for the ease and liquidity that savings accounts offer, one earns a lower rate than that paid by more restrictive savings instruments and investments.

Why does a savings account offer low interest rates?

When rates on loans are low, banks like to keep savings account rates even lower so that they can continue making money on them. Another reason of low interest rates is that, the RBI has slashed the repo rate from 6.25% to 6% on cues of low inflation.

Thus, this has enabled banks to get funds from RBI at lower interest rates. So this leads to the reduction of the interest rates on savings accounts and fixed deposits for its customers.

Hence, option C is correct.

To learn more about the savings account here:

https://brainly.com/question/14375799

#SPJ2

As a bank loan officer, you are considering a loan application by Endurance Sporting Goods. The company has provided you with the following information:

Cash $ 25,000
Account Receivable $45,000
Inventory $140,000
Fixed Assets $190,000
Current Liabilities $70,000
Long-Term Liabilities $90,000

Endurance Sporting Goods’ debt to owners' equity ratio (rounded to the nearest tenth of a percent) is

Answers

Endurance Sporting Goods’ debt to owners' equity ratio is 66.7%.

First step is to calculate the Owner's Equity

Owner's Equity=Total Assets - Total Liabilities

Where:

Total Assets =$25,000 + $45,000 + $140,000 + $190,000

Total Assets = $400,000

Total Liabilities =$70,000 + $90,000

Total Liabilities=$160,000

Let plug in the formula

Owner's Equity=$400,000-$160,000

Owner's Equity=$240,000

Second step is to calculate debt to owners equity ratio using this formula

Debt to owners equity ratio= Debt (total Liabilities)/Owner's Equity

Let plug in the formula

Debt to owners equity ratio = $160,000/$240,000

Debt to owners equity ratio = 0.667×100

Debt to owners equity ratio= 66.7%

Inconclusion Endurance Sporting Goods’ debt to owners' equity ratio is 66.7%.

Learn more about debt to owners' equity ratio here:https://brainly.com/question/25847981

A lessor enters a sales-type lease with an unguaranteed residual. The lessor will record:____.
a. A credit to sales revenue for the fair value of the asset less the gross amount of the unguaranteed residual value.
b. A debit to lease receivable for the gross amount less the present value of the unguaranteed residual value.
c. A credit to sales revenue for the fair value of the asset.
d. A credit to sales revenue for the fair value of the asset less the present value of the unguaranteed residual value.

Answers

Answer:

Explanation:

mark me as brainliest pls

Nexis Corp. issues 1,000 shares of $15 par value common stock at $25 per share. When the transaction is recorded, credits are made to: Group of answer choices Common Stock $15,000 and Paid-in Capital in Excess of Par Value $10,000. Common Stock $25,000 and Retained Earnings $15,000. Common Stock $15,000 and Paid-in Capital in Excess of Stated Value $10,000. Common Stock $25,000.

Answers

Based on the information given the transaction that is recorded are: credits are made to: Common Stock, $15,000, and Paid-In Capital in Excess of Par, $10,000.

Nexis Corp. Journal entry

Debit Cash $25,000

($25×1,000 shares)

Credit Common Stock, $15,000

($15×1,000 shares)

Credit Paid-In Capital in Excess of Par, $10,000

[($25-$15)× 1,000 shares]

(To record common stock)

Inconclusion the transaction that is recorded are: credits are made to: Common Stock, $15,000, and Paid-In Capital in Excess of Par, $10,000.

Learn more about common stock here:https://brainly.com/question/25765493

Once an online catalog is in place, there are high costs in maintaining and accessing it.

True

False

Answers

Answer:

False, once an online catalog is in place, there is little cost in maintaining it

Human Resources and many other departments at Walmart will use the following as a form of business communication

Answers

Human Resources as well as many other departments at Walmart usually use Accounting as a form of business communication.

Human resources can be regarded as division of a business which carry out some functions such as;

finding and screening of employees. recruitment of employees.training job applicants.administering employee-benefit programs.

This department overseas the employees affairs as well as their behavior.

Therefore, they use accounting as means of communication.

Learn more human resources at:https://brainly.com/question/14595106

A group of 10 golfing buddies have the following annual incomes: $32,000, $12,000, $56,000, $120,000, $10,000, $38,000, $70,000, $16,000, $20,000, $24,000. The share of income received by the lowest quintile of this income distribution is

Answers

The lowest quintile received $22,000.

Data and Calculations:

The number of golfing buddies = 10

A. = $10,000

B. = $12,000

C. = $16,000

D. = $20,000

E. = $24,000

F. = $32,000

G. = $38,000

H. = $56,000

I. = $70,000

J. = $120,000

Total - $398,000

The lowest, first, or bottom quintile is between 0 to 20%.

Thus, the lowest quintile received $22,000 ($10,000 + $12,000) from the income distribution.

Learn more: lowest quintile here: https://brainly.com/question/2392523

give two examples of graphs and two examples of charts.

Answers

Answer:

A Bar Chart. A PIE CHART. LINE CHART. Area Chart. Dot Plot. A Pictogram. Radar Chart.

Explanation:

Answer:

Types of Graphs and Charts

Bar Chart/Graph.Pie Chart.Line Graph or Chart.Histogram Chart.Area Chart.Dot Graph or Plot.Scatter Plot.Bubble Chart.

Question 4
4-1) Consider any organization you are aware of from work, study, or the
media. How do they manage people? Do people in those organizations
feel important?

Answers

Answer:

save the children they aware a lots of people to save thir child future

Help help help help

Answers

Answer:

Explanation:

The answer is B because the short-run Phillips curve is unemployment. When unemployment happens, it is decreasing and not increasing.

The airline business is a very capital intensive business, what do you think it consists of ?
please sort in order the top three are based or further researched information and describe.

Answers

Airline EconomicsBecause of all of the equipment and facilities involved in air transportation, it is easy to lose sight of the fact that this is, fundamentally, a service industry. Airlines perform a service for their customers - transporting them and their belongings (or their products, in the case of cargo customers) from one point to another for an agreed price. In that sense, the airline business is similar to other service businesses like banks, insurance companies or even barbershops. There is no physical product given in return for the money paid by the customer, nor inventory created and stored for sale at some later date.Chief Characteristics of the Airline Business (Service Industry) Capital IntensiveUnlike many service businesses, airlines need more than storefronts and telephones to get started. They need an enormous range of expensive equipment and facilities, from airplanes to flight simulators to maintenance hangars. As a result, the airline industry is a capital-intensive business, requiring large sums of money to operate effectively. Most equipment is financed through loans or the issuance of stock. Increasingly, airlines are also leasing equipment, including equipment they owned previously but sold to someone else and leased back. Whatever arrangements an airline chooses to pursue, its capital needs require consistent profitability.High Cash FlowBecause airlines own large fleets of expensive aircraft which depreciate in value over time, they typically generate a substantial positive cash flow (profits plus depreciation). Most airlines use their cash flow to repay debt or acquire new aircraft. When profits and cash flow decline, an airline's ability to repay debt and acquire new aircraft is jeopardized.Labor IntensiveAirlines also are labor intensive. Each major airline employs a virtual army of pilots, flight attendants, mechanics, baggage handlers, reservation agents, gate agents, security personnel, cooks, cleaners, managers, accountants, lawyers, etc. Computers have enabled airlines to automate many tasks, but there is no changing the fact that they are a service business, where customers require personal attention. More than one-third of the revenue generated each day by the airlines goes to pay its workforce. Labor costs per employee are among the highest of any industry.Break-Even Load FactorsEvery airline has what is called a break-even load factor. That is the percentage of the seats the airline has in service that it must sell at a given yield, or price level, to cover its costs. Since revenue and costs vary from one airline to another, so does the break-even load factor. Escalating costs push up the break-even load factor, while increasing prices for airline services have just the opposite effect, pushing it lower. Overall, the break-even load factor for the industry in recent years has been approximately 66 percent. Airlines typically operate very close to their break-even load factor. The sale of just one or two more seats on each flight can mean the difference between profit and loss for an airline.Seat ConfigurationsAdding seats to an aircraft increases its revenue-generating power, without adding proportionately to its costs. However, the total number of seats aboard an aircraft depend on the operator's marketing strategy. If low prices are what an airline's customers favor, it will seek to maximize the number of seats to keep prices as low as possible. On the other hand, a carrier with a strong following in the business community may opt for a large business-class section, with fewer, larger seats, because it knows that its business customers are willing to pay premium prices for the added comfort and workspace. The key for most airlines is to strike the right balance to satisfy its mix of customers and thereby maintain profitability.

Tanya's employer offers a cafeteria plan that allows employees to choose among a number of benefits. Each employee is allowed $6,000 in benefits. For 2021, Tanya selected $3,480 ($290 per month) of parking, $1,720 in 401(k) contributions, and $800 of cash. How much must Tanya include in taxable income

Answers

Based on the benefits that Tanya chose, the benefits to be included in taxable income is $1,040

The amounts that Tanya can include in taxable income are:

Cash Parking benefits

The Parking benefits are however limited to $270 per month in 2021 which means Tanya can only include:

= (290 - 270) x 12 months

= $240

The amount to be included is therefore:

= 240 + 800

= $1,040

In conclusion, Tanya can include $1,040 of benefits in her taxable income.

Find out more on taxable income at https://brainly.com/question/9065391.

As a Paralegal, you have been asked to prepare a contract for your client based upon the following: Client: Tire Manufacturer, FT. Wayne, Indiana. The client is contracting to provide 15,000 tires per month to Car Assembly Plant in Louisville, Kentucky for the next 3 years. The price agreed upon is $30 per tire. The tires must be all-weather with a 60,000-mile warranty. It will be a destination contract. The car Assembly Plant is insistent that the tires be delivered in a manner so that there is always only a two-day supply stored at the Car Assembly Plant. The plant does not have enough room to store any additional tires. They would like there to be a penalty if the Tire Manufacturer brings too many. Your client is concerned about this provision as the number of cars manufactured each day varies. Car Assembly Plant is also concerned that the tire supply is never delayed because Car Assembly Plant has to pay the assembly workers if the assembly line stops because there are no tires. Car Assembly Plant wants Tire Manufacturer to pay for any downtime expenses due to lack of tires. Your Client would like there to be an Arbitration clause and that Indiana is the state to resolve issues. Additionally, there should be a Liquidation clause and a non-disclosure clause. Prepare a contract for your client. Attach the completed contract.

Answers

The question is about a contract between the Car assembly plant and tire manufacturer.

Supply Agreement is effective {date} between

Tire Manufacturer, FT. Wayne, Indiana. {the supplier}

and Car Assembly Plant in Louisville, Kentucky. {the purchaser}

Whereas Tire Manufacturer will supply Car Assembly Plant with 15,000 tires per month at a fixed rate of USD 30/- per tire for the next 3 years. The tire will be all-weather and a warranty of 60,000 mile is agreed.

The supply of the tire will be delivered by the Tire Manufacturer according to the daily needs of Car Assembly, the number of tires to be delivered will be communicated five days earlier and the tires should arrive at Car Assembly with in three days, failure to do so will result in a penalty. If the number of tire delivered are more than the number of tires ordered will result in penalty.

Learn more at https://brainly.com/question/25841859

Miguel won $600 at Lucky Casino and $1,450 at Riverboat Casino. His losses for the year at Lucky Casino were $800, and his losses at Riverboat Casino were $1,000. He also spent $200 for lottery tickets without winning anything. How much can he deduct for gambling losses on Schedule A, Itemized Deductions

Answers

Based on Miguel's activities in the casinos, the amount that can be deducted is $2,000.

Gambling tax laws are such that one can set off their gambling losses against their wins. This means that one can deduct the lower amount between their winnings and their losses for the year.

Miguel's winnings:

= 600 + 1,450

= $2,050

Miguel's losses:

= 800 + 1,000 + 200

= $2,000

The amount he can deduct is therefore $2,000.

Find out more on gambling deductions at https://brainly.com/question/24315976.

10 roles of insurance in a business

Answers

Considering the benefits and importance of insurance, the ten roles of insurance in a business include "security and safety."

The other roles of insurance in a business are:Mitigation of riskProvision of insurance service by the insurance company Protection from unexpected lossesEase of getting loansProvision of social cooperationIt enhances saving habitsIt aids some contracts that require it.There are tax benefits.Promotion of trades and industry, etc.

Hence, in this case, it is concluded that insurance plays various roles in business.

Learn more about Insurance here: https://brainly.com/question/4953989

Alpha and Beta Companies can borrow for a five-year term at the following rates: Alpha Beta Moody’s credit rating Aa Baa Fixed-rate borrowing cost 10.5% 12.0% Floating-rate borrowing cost LIBOR LIBOR + 1% This time assuming more realistically that a swap bank is involved as an intermediary. Assume the swap bank is quoting five-year dollar interest rate swaps at 10.7% - 10.8% against LIBOR flat. Consequently, Alpha will issue fixed-rate debt at 10.5% and Beta will issue floating rate-debt at LIBOR + 1%. Alpha will receive 10.7% from the swap bank and pay it LIBOR. Beta will pay 10.8% to the swap bank and receive from it LIBOR. If this is done, Alpha’s floating-rate all-in-cost is: 10.5% + LIBOR - 10.7% = LIBOR - .20%, a .20% savings over issuing floating-rate debt on its own. Beta’s fixed-rate all-in-cost is: LIBOR+ 1% + 10.8% - LIBOR = 11.8%, a .20% savings over issuing fixed-rate debt. Is that analysis correct?

Answers

Based on the information given about the LIBOR, it can be deduced that the analysis is correct. Therefore, it's true.

From the information given, the quality spread differential will be calculated thus:

= Differential fixed rate debt - Differential floating rate debt

= (12.0% - 10.5% - 1%)

= 0.5%

In this case, a positive quality spread differential implies that the swap is in favor of both parties.

In conclusion, the analysis that's given is correct.

Learn more about LIBOR on:

https://brainly.com/question/14099953

What is the advantage of using agents and brokers when a firm does not have its own sales forces?

Agents and brokers have extensive knowledge of the needs of consumers.

Agents and brokers gather and sort information for online consumers.

Agents and brokers can act as e-intermediaries for internet sales.

Agents and brokers have extensive knowledge of the markets and merchandise.

Agents and brokers encourage syndicated selling.

Answers

The advantage of using agents and brokers when a firm does not have its own sales force is that the agents and brokers have extensive knowledge of the markets and merchandise. Hence, Option D is correct.

Who are the agents and brokers?

Brokers and agents are the people who are used by manufacturers for the possession of their goods in the market. They are the key source for such manufacturers who want to make their products easily available in the market.

The key role of the brokers and the agents is to bring in new buyers or clients for the company. They are hired by the companies as their representatives in front of the buyers.

As the agents and the brokers have a deep knowledge of the local market, it makes it easy for companies who do not have their own sales force to hire agents and brokers to sell their products in the market.

Therefore, Option D: Agents and brokers have extensive knowledge of the markets and merchandise.

Learn more about agent from here:

https://brainly.com/question/14363935

#SPJ2

According to the figure, which point(s) would see tax revenues increase if the tax rate decreased?
O a. only c
O b.only B
O c. A and C
O d. B and C
O e. only A

Answers

D. I think sorry if it’s wrong

The Demand Curve is a line that is
downward sloping and to the right.
What important aspect of demand
does this illustrate?
A. At high prices, people want a small quantity. At low
prices, people want a large quantity.
B. At high prices, people want a large quantity. At low
prices, people want a small quantity.
C. People are indifferent to price.

Answers

Answer:

A. At high prices, people want a small quantity. At low

Explanation:

Suppose the price of movie tickets decreases by 4%, causing the quantity demanded of popcorn to increase by 10%. What would the cross-price elasticity for movie tickets and popcorn be in this example

Answers

The cross-price elasticity of movie tickets and popcorn will be -2.5 in this example. The cross elasticity of demand in economics describes how responsive a market is to changes in the price of one good relative to another.

An economic concept known as the cross elasticity of demand quantifies how responsively consumers purchase more of one commodity when the price of another good increase. This statistic, which is also known as cross-price elasticity of demand, is determined by dividing the percentage change in the quantity demanded of one commodity by the percentage change in its price.

In other words, it establishes the relationship between the quantity of one thing that is required in response to changes in the price of another good or product. Simply put, it tracks how demand for one good varies in response to changes in the price of another.

Therefore, the cross-price elasticity will be -2.5.

Learn more about cross-price elasticity here:

https://brainly.com/question/30593168

#SPJ12

Which of the following is an example of a consumer service?
• brickmaker
• refrigerator repair
automobile manufacturer
laptop builder

Answers

Answer:

refrigerator repair

Explanation:

Freer trade, advances in information technology, and more global customers are pressuring many large global companies to:

Answers

Firms are often involve in different kinds of trade. Freer trade, advances in information technology, and more global customers are pressuring many large global companies to shift from functional structures to geographically based divisionalized structures.

There are great advances in information technology (IT). Firms often get benefits of free trade in IT as they are able to expand their business into other different new areas with less effective charges.

FTA is known to be very good to optimal sharing of resources in the region as it helps to boast the efficiency of economic activities and also increase the stock of a country's technology.

Learn more about trade from

https://brainly.com/question/3520350

Provide some examples of the application of the following from a to f in the hospitality or travel businesses.

a. Volume discounts.

b. Discounts based on time of purchase.

c. Psychological pricing.

d. initiating price increases.

e. buyer reactions to price changes.

f. competitor reactions to price changes.

Answers

Answer:

weight of discount

disfount on festival offer

Below are five items that would be included in the balance of payments for the United States. Sort each item into either the current account or the capital account.

a. a Japanese citizen earns dividend income on shares of stock of a U.S. firm
b. a U.S. citizen buys a vacation home in Acapulco, Mexico
c. a U.S. citizen buys a BMW made in Germany
d. a Japanese citizen donates money to a U.S. charity

Answers

The following items would be in the current account:

a U.S. citizen buys a vacation home in Acapulco, Mexico

c. a U.S. citizen buys a BMW made in Germany

The following items would be in the capital account:

A Japanese citizen earns dividend income on shares of stock of a U.S. firm.

a Japanese citizen donates money to a U.S. charity

The current account records information on the flow of tangible goods and services in a country.

Components of the current account

Trade balance - it records import and export. Net income - it records the income received by a country's residents less the income paid to foreigners. Transfers - it includes income sent to a country by its citizens working in foreign countries.

The capital account is used to record capital transfers and investments.

To learn more about a current account, please check: brainly.com/question/24029724

What is the unemployment rate in Cuba?

Answers

Answer:

Unemployment refers to the share of the labor force that is without work but available for and seeking employment. Cuba unemployment rate for 2020 was 3.87%, a 2.2% increase from 2019. Cuba unemployment rate for 2019 was 1.67%, a 0.03% decline from 2018.

Explanation:

Internet domain names are linked to trademark issues. Technology makes it easy to copy and distribute music and movies without paying royalties. Business conducted on the internet raise security and privacy issues. What legal concerns are raised by these issues

Answers

Considering the situation described above, the legal concerns raised by these issues are "Piracy."

What is Piracy?

Piracy is a term used to describe the unauthorized use or reproduction of another person's work.

Given that the issues above were centered on trademark, royalties, and privacy issues relating to works on the internet, this is an example of Piracy issues.

Hence, in this case, it is concluded that the correct answer is "Piracy."

Learn more about Piracy here: https://brainly.com/question/306405

Ava School of Learning obtained a charter at the start of the year that authorized 50,000 shares of no-par common stock and 20,000 shares of preferred stock, par value $10. During the year, the following selected transactions occurred:

a. Collected $42 cash per share from four individuals and issued 5,200 shares of common stock to each.
b. Issued 6,200 shares of common stock to an outside investor at $42 cash per share.
c. Issued 8,200 shares of preferred stock at $22 cash per share.

Required:
Prepare the journal entries indicated for each of these transactions.

Answers

Answer:

plan c

Explanation:

I just guessed !!!! thanks for the points though

Answer:

plan c

Explanation:

my answer it coudn't be

What is polycentricity?

O A. Independent elements that are separate by bound to each other

O B. Independent elements that are separate

OC. Independent elements that are only nominally separate

O D. The consolidation of independent elements

Answers

Answer:

Definition of polycentric

: having more than one center (as of development or control): such as. a : having several centromeres polycentric chromosomes.

Explanation:

Mark as Brainliest Answer

What should I make handmade for a Christmas gift

Answers

Answer:

it really depends on the person what is that person into like maybe draw one of theree favroite things paint them something thats all i can think of for homemade

Explanation:

As a high school student, which of the three error types would you be most concerned about? Why?

Answers

The three error types i would be most concerned about is wrong address, misspelled name and wrong name because they could lead to lower credit scores

The error in this context related to credit report errors which can happen while been a high school student.

Credit report refers to the organized record database of borrower's credit history from different sources.

Based on statistics, the student responded that the error they are most concerned about includes:

Wrong AddressMisspelled NameWrong Name.

Hence, the three error types i would be most concerned about is wrong address, misspelled name and wrong name because they could lead to lower credit scores.