if Jeremy, a licensee, receives a referral fee for sending his buyer client to Ajax title This would be a violation of RESPA. This is further explained below.
What is RESPA?Generally, Disclosures about real estate transactions are something that borrowers are required to get from their lenders, mortgage brokers, and loan servicers, as required by RESPA.
The Real Estate Settlement Procedures Act (RESPA) was enacted as part of an attempt to outlaw exploitative activities in the real estate business, such as kickbacks and referral fees, as well as to restrict the usage of escrow accounts.
In conclusion, If Jeremy, a licensee, were to get a referral fee from Ajax Title for referring one of his buyer clients to that company, this would be a violation of RESPA.
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The ______________ enables us to take into account how individuals, in the welter of their daily experience, often become falsely conscious of their position.
The sociological imagination enables us to take into account how individuals, in the welter of their daily experience, often become falsely conscious of their position.
What is sociological imagination?Sociological imagination is the capacity to relate smaller social problems to more significant human ones.
A framework for comprehending social reality that situates individual experiences within a larger social and historical context is known in the discipline of sociology as the "sociological imagination."
What are the 3 components of sociological imagination?It entails three :
tracing the connections between people's behavioral patterns and broader social forces; learning to recognize how people behave according to systems; identifying the social forces that are influencing a person's behavior.To know more about sociological imagination visit:
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An example of an electronic brokerage system used to trade foreign exchange is?
Reuters is an example of electronic brokerage system used to trade foreign exchange. With the use of a website, consumers can utilize e-brokerage to buy and sell stocks online and get information. Nearly all online brokerage firms allow consumers to create their own personal financial manager and have a straightforward sign-up process.
A wholesale electronic trading platform called Electronic Broking Services (EBS) is utilized to transact on the foreign currency market (FX) with market-making banks. Large banks formed it first as a partnership, and it later joined CME Group is electronic trading exchange connects buyers and sellers in a virtual marketplace.
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The chances of a risk event occurring as a project proceeds through its life cycle tend to?.
The correct answer is Slowly dropped.
What is the life cycle of the risk management process?The risk management process, which consists of these five fundamental components, is used to manage risk. Starting with risk identification, it moves on to risk analysis, prioritization, solution implementation, and risk monitoring.Operational risk is the danger of suffering losses as a result of poor or ineffective procedures, rules, plans, or circumstances that interfere with business operations.Risk is the stage where loss or harm occurs due to a lack of correct information, expertise, or experience. This stage can be controlled by using proper Risk management approaches throughout the project life cycle.The chances of a risk event occurring as a project proceeds through its life cycle tend to:
The correct answer is Slowly dropped.
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How readily should a state government use its involuntary corporate dissolution righ?
You are exercising your right of involuntary liquidation in view of the potential adverse effects on community government.
An entity may be dissolved by the Securities and Exchange Commission upon filing a verified complaint and giving proper notice and hearing for reasons prescribed by existing laws, rules and regulations.
State can sue to dissolve the company for any of her five reasons: Retained a representative and did not notify the state of the change.
After the company is dissolved, its assets must be liquidated. Liquidation refers to the process of selling or auctioning a company's tangible assets. Note that only assets owned by the company can be liquidated. Therefore, assets used as collateral for loans cannot be liquidated.
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When a business faces a ________ demand curve, it will choose a combination of quantity and ________ to maximize its profit.
In a monopolistically competitive industry, when a business faces a downward-sloping demand curve, it will choose a combination of quantity and price to maximize its profit.
What is a monopolistically competitive industry?A monopoly is a firm that is distinguished by a lack of competition in a market and the absence of substitutes for its product. Monopolies can impose price increases and create barriers to entry into the market.When several companies offer competing products or services that are similar but not perfect alternatives, monopolistic competition develops. In a monopolistic competitive industry, the barriers to entry are low, and the decisions of any one firm have no direct impact on its competitors.When a business encounters a downward-sloping demand curve in a monopolistically competitive industry, it will choose a mix of quantity and price to optimize its profit.Therefore, in a monopolistically competitive industry, when a business faces a downward-sloping demand curve, it will choose a combination of quantity and price to maximize its profit.
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The complete question is given below:
In a monopolistically competitive industry, when a business faces a ________ demand curve, it will choose a combination of quantity and ________ to maximize its profit.
Based on the discounted payback rule, an investment is acceptable if its discounted payback is less than some prespecified number of years.
a. True
b. False
(a) true
Based on the discounted payback rule, an investment is acceptable if its discounted payback is less than some prespecified number of years.
Payback period rule: Based on the rule of payback investment is having a period of less than specified number of years. Time value of money is ignored and risk differences are been considered.
Payback period is always lower than discount period. It takes longer before the original investment recovers. Shorter payback gets attractive investments while longer paybacks are less desirable. Done with the investment by the annual cash flow to go through any investment.
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Has this white's video prompted you to make any changes in the way that you view or manage your personal finances? Do you think it will impact how you handle your personal finances in the future? Explain.
The video by Elizabeth White should prompt people to make a change in how they handle their finances as it shows how easily our finances can take a turn for the worst.
Why should be manage our personal finances effectively?In this TED Talk, Elizabeth White talks about how her's and the Boomer generation's personal finances are in never ending trouble and how they are being blamed for not planning their finances well.
It shows how easily things can change for the worst financially as Elizabeth White went through a tough time.
This shows that it is important to take stock of our finances such that we won't go through what she did and be able to survive financial emergencies. We can do this by saving up and talking to financial planners.
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If a profit maximizing firm is currently producing 20 units, it should increase production because:____.
At that time, marginal cost is lower than marginal revenue.
Marginal cost:
It also goes by the name incremental cost.A profit maximizing firm will produce a quantity where marginal cost = marginal revenue[tex](MC = MR)[/tex]. If MC is greater than MR, then there is more cost than revenue for each additional unit of output, so it should decrease the output till MC = MR. On the other hand, if MC is less than MR, there is scope for more output; it can produce more quantity until [tex]MR = MC[/tex].In order to determine profitability at various levels of production and sale, marginal costing is useful in profit planning. It is helpful in making decisions on selling price fixation, export decisions, and make or buy decisions. The marginal costing methods of break even analysis and [tex]P/V[/tex] ratio are both effective.Learn about more marginal cost here brainly.com/question/3200587
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Last year, baldwin corp paid their workers $26. 81 per hour. how much will they be paying them 2 rounds from then?
Last year, Baldwin corp paid their workers $26. 81 per hour. They will be paid $29.56 two rounds from then.
It is shown from Baldwin's statement that they increase the salaries of workers by 5% every year.
In 2 rounds/years, therefore, the salary will be:
= 26.81 × (1 + 5%) ²
= 26.81 * 1.05²
= 29.558025
= $29.56
Therefore in 2 rounds from now, they will be paid $29.56.
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How divisional wacc will be calculated for both exploration and production and refining?
Divisional WACC will be 8.13%
What is Divisional WACC?The divisional or project weighted average cost of capital (WACC) is the hurdle rate or discount rate used to evaluate divisions or projects that have a different risk than the company's overall risk, which includes all projects and divisions.
The weighted average cost of capital (WACC) measures a company's total cost of capital, including common stock, preferred stock, bonds, and other kinds of debt.
In theory, WACC indicates the cost of raising an additional dollar. A WACC of 5%, for example, suggests that the corporation must pay an average of $0.05 to obtain an additional $1. This $0.05 could represent the cost of debt interest or the dividend/capital return demanded by private investors.
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When a transaction requires a structural pest inspection, this inspection can be obtained from:_____.
Additionally, the home inspector you select must hold a valid state license to visually evaluate the property's accessible interior and exterior spaces for indications of infestation or structural harm brought on by wood-destroying bugs.
What is a structural pest report?
A structural pest inspection can greatly aid in averting any unforeseen expenses or potential damages. A structural pest inspection should ideally be included in your house purchase contract and must pass for you to be allowed to reject the sale, just like a regular home inspection.
Why is pest inspection important?
You can determine whether you are getting a decent deal on the house or not by using the inspection reports. If there are pests, you can ask the seller to lower the asking price so that it will pay the cost of pest control. Or, you can request seller concessions to help defray any prospective expenses.
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When the housing market collapsed in 2007, the demand for loanable funds decreased and caused interest rates to decrease.
a. true
b. false
It is False When the housing market collapsed in 2007, the demand for loanable funds decreased and caused interest rates to decrease.
Because Interest rates typically decline during recessions as loan demand slows, bond prices rise and the central bank eases monetary policy. During recent recessions, the Federal Reserve has cut short-term rates and eased credit access for municipal and corporate borrowers. No price in the economy is as important as the price of money. Interest rates arguably drive the business cycle of expansion and contraction.
Interest rate is the amount a lender charges a borrower and is a percentage of the principal the amount loaned.
Recession is a period when the business and industry of a country is not successful.
Corporate is formed into an association and endowed by law with the rights and liabilities of an individual.
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Defining property rights contracts and standards for goods are part of the government's interest in which economic goal?
Defining property rights contracts and standards for goods are part of the government's interest in public economic goal.
What are property rights and contractual rights?
The property rights contracts and standards for goods is very essential by Individuals or firms which helps them to be able to give room for individuals to enter into agreements with respect to their .
This do follow the legal system in the event of noncompliance, hence , Defining property rights contracts and standards for goods are part of the government's interest in public economic goal.
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We can measure the profit earned by a firm in a perfectly competitive industry as:________
We can measure the profit earned by a firm in a perfectly competitive industry as Marginal Revenue.
What is Marginal Revenue?The additional revenue generated by the sale of one more unit of output is known as marginal revenue (MR).Although marginal revenue can remain constant at a certain level of output, it will eventually start to decline as the output level rises due to the law of diminishing returns.According to economic theory, firms that are completely competitive keep on producing goods until marginal revenue and marginal cost are equal.If a business wants to maximize its profits, it will produce until marginal cost equals marginal income.Businesses often conduct a cost-benefit analysis and stop production when marginal revenue is less than marginal cost.To know more about marginal revenue with the given link https://brainly.com/question/13383966
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A monopolist will never choose a price-quantity combination where price reductions cause:______
A monopolist will never choose a price-quantity combination where price reductions cause: total revenues to decrease.
A monopoly is an individual, group, or company that controls and controls the market for a particular good or service. This lack of competition and lack of alternative goods or services means that monopolists have enough power to charge high prices in the market.
The easiest way to become a monopoly is for the government to give a company the exclusive right to provide goods or services. State-created monopolies are designed to create economies of scale that benefit consumers by keeping costs down.
The advantage of a monopoly is that it guarantees a steady supply of goods that are too expensive to offer in a competitive market. The disadvantages of monopolies include fixed prices, inferior products, lack of incentives to innovate, and high costs.
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When the marginal cost of producing an output exceeds its average variable cost but is less than its average total cost, _______
When the marginal cost of producing an output exceeds its common variable cost but is much less than its average general cost, the common variable cost is growing even as the common general price is lowered.
Every time the marginal cost exceeds the average cost, the average cost will upward push with every other unit of output. Each time the marginal cost is less than the common cost, the common value will fall with another unit of output.
On every occasion, the marginal cost is more than the common general cost, and the average total cost is growing. The marginal value curve crosses the average overall price curve at it is minimum. 1. Marginal cost finally rises with the quantity of output.
Whilst marginal product is falling, the common product is falling. whilst marginal product exceeds average product, average product is rising.
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The ratios that measure the effectiveness of a firm's management in turning over inventory are called?
The ratios that measure the effectiveness of a firm's management in turning over inventory are called inventory turnover ratios.
What are inventory turnover ratios?Inventory turnover is an example of an activity ratio. Activity ratios are financial ratios that are used to measure the rate of efficiency with which a firm carries out its day to day operations.
Inventory turnover is the cost of goods sold divided by average inventory.
Inventory turnover = cost of goods sold / average inventory
Where: Average inventory = (beginning inventory + ending inventory) / 2
The higher the inventory turnover ratio is, the more efficient the firm is in converting inventory to sales. If a company's turnover ratio is below the average inventory turnover ratio in the industry in which it operates, it is a negative indicator.
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During a meeting, brock pulls out his cell phone to check emails because the cfo's presentation is boring and uninteresting. which principle of listening is ignored in this example?
The principle of listening which is ignored here is that, listening is the responsibility of both the speaker and the receiver.
Research has found that by listening effectively you will get more information from the people you manage, you will also increase others trust in you, you will reduce conflict, and you will better understand how to motivate others.
Listening skills are so important for the both the speaker and the receiver because they enable both parties to have good communication. Thus, individuals should practice good communication in order to ensure that there is no concerns or differences between both parties.
Hence, listening is the responsibility of both the speaker and the receiver.
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Everything else held constant, an autonomous monetary policy easing ________ aggregate ________
Everything else held constant, an autonomous monetary policy easing increases aggregate demand.
A country's central bank uses a set of instruments called monetary policy to regulate the total amount of money in circulation, foster economic expansion, and implement measures like adjusting interest rates and altering bank reserve requirements.
The Federal Reserve Bank of the United States carries out a monetary policy through a dual mandate to maximise employment while containing inflation.
Central bankers utilise monetary policy to maintain economic stability and control inflation and unemployment. A declining economy is stimulated by an expansionary monetary policy, and an inflationary economy is slowed by a contractionary monetary policy. The monetary and fiscal policies of a country are frequently in sync.
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What are the tax advantages of substituting fringe benefits for salary paid to a shareholder-employee?
The shareholder-employee can exclude these sums from personal taxation and the corporation can claim a deduction for the cost.
What is Fringe Benefit?Unless the law expressly excludes it, any fringe benefit you give the recipient is taxable and must be factored into their salary. The exclusions that pertain to particular fringe benefits are discussed in Section 2. Taxable benefits are those that are not exempt from the regulations outlined in section 2.
Are Fringe Benefits Taxable?Basic things are frequently a part of hiring packages and constitute common fringe benefits. Health care, life insurance, financial aid for school, daycare, cafeteria expenses, cafeteria subsidies, below-market loans, employee discounts, employee stock options, and the use of a corporate vehicle for personal use are a few of these.
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In the context of the seller-side marketplace model, _____ prevents purchases from suppliers that are not on the approved list of sellers.
In the context of the seller-side marketplace model, E- procurement prevents purchases from suppliers that are not on the approved list of sellers.
The practice of requesting, ordering, and buying goods and services online is known as electronic procurement, often referred to as e-procurement or supplier exchange. It involves business to business transactions.
E-procurement, which entails using an electronic system or systems to purchase products, works, and services from third parties, is essential to the evolution of procurement processes as a whole. This includes, but is not limited to, the following E-tendering Web-based method for sourcing tenders.
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The following units of an item were available for sale during the year: Beginning inventory 21,600 units at $20.00 Sale 14,400 units at $40.00 First purchase 48,000 units at $25.20 Sale 36,000 units at $40.00 Second purchase 45,000 units at $26.40 Sale 33,000 units at $40.00 The firm uses the perpetual inventory system, and there are 31,200 units of the item on hand at the end of the year. What is the total cost of the ending inventory according to (a) FIFO, (b) LIFO
The ending inventory using LIFO is $673,920.
The ending inventory using FIFO is 823,680.
What are the ending inventories?
Ending inventory are the inventories of a company that were left unsold at the end of a business period. In this question, the ending inventory is 33,000.
LIFO means last in first out. It means that it is the last purchased inventory that is the first to be sold. Ending inventory would be made up of inventories that were purchased the earliest.
The ending inventory would be taken from the beginning inventory and part of the first purchase.
Ending inventory = (21,600 x 20) + [(31,200 - 21,600) x 25.20]
= 432,000 + 241,920 = $673,920
FIFO means first in, first out. It means that it is the first purchased inventory that is the first to be sold.. Ending inventory would be made up of inventories that were purchased the latest.
The ending inventory would be taken from part of the second purchase.
Ending inventory = 31,200 x 26.40 = 823,680
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Who will be responsible for creating the disaster recovery plan and will likely be responsible for testing it and keeping up with its ongoing maintenance?
The disaster recovery planning team will be responsible for creating the disaster recovery plan and will likely be responsible for testing it and keeping up with its ongoing maintenance.
The disaster recovery team is responsible for creating the organization's disaster recovery plan, developing the planning processes and procedures, and implementing the plan to ensure data recovery in the event of a disaster.
Security administrator. network administrator. Executive Response: An organization's executives are ultimately responsible for corporate governance, including deciding whether to implement BCP/DRP controls.
The role of the Local Disaster Recovery Manager is to organize, coordinate and facilitate recovery at the local level. The experience and skills of these individuals should include a strong foundation for community development and a good knowledge of community demographics.
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Suppose the population in a town increases and a breakthrough in technology occurs also. what would we expect to happen in the market?
If the population in a town increases and a breakthrough in technology occurs also the market demand increases and deliver cost decreases.
The demand for a great increases and, on the equal time, deliver of the coolest decreases.Equilibrium charge might lower, but the effect on equilibrium quantity might be ambiguous.
Metal is an enter for the production of cars, population so a fall within the fee of metal reasons the supply curve for vehicles to shift proper. because the call for curve remains the same, equilibrium fee decreases and equilibrium amount will increase.The charge of a product to fall in the destiny purpose demand to decrease and shift to the left.
If a population expects the price of an awesome to head down within the future, they preserve off buying it these days, so the demand for that right today decreases. on the other hand, if a customer expects the price to head up within the destiny, the demand for the best these days will increase.
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Profit is the dollar amount a firm collects from its customers after selling its goods or services.
False, Profit is determined by calculating the difference between expenses and revenues.
Profit is the term used to describe the financial gain experienced when the revenue from a company activity outpaces the costs, and taxes incurred to support the activity in question.
Any profits generated return to the company's owners, who can decide whether to keep the money for themselves, pay dividends to shareholders, or reinvest it in the company. The money a business keeps after deducting all costs is its profit. Any business's main objective is to make money, so a company's performance is measured by its profitability in all of its forms. The income statement lists all three of the main categories of profit: gross profit, operating profit, and net profit. Each profit kind provides analysts with additional details about a company's performance.
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The tax cuts and jobs act allows companies to take bonus depreciation sufficient to write off what percent of investment immediately?
The tax cuts and jobs act allows companies to take bonus depreciation sufficient to write off 100 percent of investment immediately.
Is the tax cuts and jobs act good?
Although numerous other factors undoubtedly had an impact on the economy between 2017 and 2019, the economy did grow more quickly after 2017 than had been anticipated before the TCJA. TCJA dramatically decreased federal revenue compared to what would have been produced had the law not been passed, not withstanding the fervent assertions of its supporters.
What did the TCJA eliminate?
Unreimbursed employee expenses, tax preparation costs, and other supplemental deductions were all abolished by the TCJA. Taxpayers can still claim a deduction for some casualty losses that occurred in places that the government has declared disaster areas, but it canceled the deduction for theft and personal casualty losses.
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It is important for an entrepreneur to have ___________ when approaching an angel investor or venture capitalist
It is important for an entrepreneur to have area of specialization when approaching an angel investor or venture capitalist
Just as the venture capitalist has to be careful in selecting his investment, the entrepreneur should also take several factors into account while selecting a venture capitalist. The entrepreneur should take care in selecting the right venture capitalist to approach based on the venture capitalist's area of specialization.
The entrepreneur while approaching venture capitalist should have a detailed and well organized business plan as is the only way to gain a venture capitalists attention and obtain funding. They do not invest on a two page summary.
Hence, it is important for an entrepreneur to have area of specialization.
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What effect will the sale of treasury stock have on stockholders' equity and earnings per share, respectively?
Increase and decrease effect will the sale of treasury stock has on stockholders' equity and earnings per share, respectively.
Treasury stock is a contra fairness account recorded in the shareholders' equity section of the stability sheet. due to the fact treasury inventory represents the quantity of shares repurchased from the open market, it reduces shareholders' equity by using the quantity paid for the inventory.
Selling treasury inventory always affects in an growth in shareholders' equity. The preceding instance shows you what takes place while an organization sells treasury inventory at a top rate to price. The accounting is different if an organization sells treasury inventory at a discount to its fee.
The treasury stock approach states that the fundamental proportion depend used in calculating a agency's income in step with proportion (EPS) must be improved because of first-rate in-the-cash options and warrants, which entitle their holders to buy common stocks at an workout fee that's underneath the modern market price.
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The firm's cost of external equity raised by issuing new stock is the same as the required rate of return on the firm's outstanding common stock.
a. true
b. false
The firm's cost of external equity raised by issuing new stock is the same as the required rate of return on the firm's outstanding common stock.
This statement is false.
Cost of equity is the rate of return paid out by company to equity investors. A firm uses cost of equity to assess the relative attractiveness of investments which includes both internal projects as well as external acquisition opportunities.
Companies mostly use a combination of equity and debt financing, with equity capital being more expensive.
The cost of equity can be calculated by using either the CAPM known to as Capital Asset Pricing Model or Dividend Capitalization Model used for companies that pay out dividends.
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True or false: the long-run aggregate supply curve will shift to the right with technological innovation.
The long-run aggregate supply curve will shift to the right with technological innovation. This statement is true.
An improvement in technology always shifts the aggregate production function PF1 to PF2 in the right direction. Other developments which could make an upward shift in the long run aggregate supply curve includes an increase in the capital stock as well as an increase in the availability of natural resources.
Before the technological change, firms employed very few workers at a real wage. If workers are much productive, firms be in profit to hire more of them . The demand curve for labor thus shifts from the initial point.
The real wage will rise and the natural level of employment will also rises. The increase in the real wage rate reflects enhanced productivity of labor, means the amount of output per worker.
The real GDP that the economy is capable of producing also rises. Higher the output means higher natural level of employment, because labor has become more productive as a result of the technological advancement.
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