Banks use debt-to-income ratios to, see how much money a borrower earns compared to how much he or she has borrowed.
Your borrowing risk is evaluated by banks using your debt to income ratio. Your obligations and income may be balanced if your DTI ratio is modest. Low DTI ratio borrowers are better at managing their money. Banks thus favour borrowers with low DTI levels.
Hence, the correct answer is A. see how much money a borrower earns compared to how much he or she has borrowed.
What is the best debt-to-income ratio?The optimal back-end ratio, which takes into account all costs, should be 36 percent or less, according to lenders, with the ideal front-end ratio being no more than 28 percent.
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Unions are concerned with all of the following EXCEPT:
A. union members' wages and hours
B. union members' benefits
(C. union members' job safety
D. union members' job descriptions
Please select the best answer from the choices provided
B
C
D
The best choice is D.
Except for their members' job descriptions, unions are concerned.
Which has something to do with unions?What are the four (4) purposes of a trade union?INTUC is the right response (Indian National Trade Union Congress).
Ask for a higher salary in negotiations. bargain for better working conditions, like as additional holidays or increased health and safety. provide instruction on new abilities. provide general help and guidance.
Which 4 forms of union are there?Several types of trade unions exist, including federations, general, industrial, and craft-based unions. artisanal unions Daily wage workers from a variety of occupations join this union because it offers them a significant amount of negotiating power to protect their rights and interests.
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1 Oligarchy raled
2. Boys were lought to steal but not get cought
3. Volled beauty and learning
4. had slaves
5. Women were trained in wrestling and boxing
6. Women were not allowed to vote
7. valued obedience and military strength
8 Direct Democracy
9 Bables were bothed in wine
10. valued debate among citizens
Identify all of them if it applies to Sparta or athens or both
Spartan women received training in abilities more typical of a girl in ancient Greece in addition to sports and weapon handling.
Identify all of them if it applies to Sparta or athens or bothSparta-was ruled by oligarchy
Boys were taught how to steal while avoiding detection in-Sparta.
Greece, which valued learning and beauty
Having slaves, both women had boxing and wrestling training, -Sparta.
Both times, but more strictly in Athens, women were not permitted to vote.
Sparta valued submission and military prowess.
Athens-Direct Democracy
At Sparta- infants were washed in wine.
Athens is a city where inhabitants value discourse.
Specifically, they received training in exquisite dancing and singing, which were as as vital as the athletic skills they acquired.
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which statement about people and events surrounding president harrison's inauguration is not correct?
This statement is not correct about people and events surrounding president harrison's inauguration. John Tyler appeared to steerage from Whig party leaders after Harrison died.
Party leaders are individuals who hold prominent positions within a political party and are responsible for leading and representing the party's interests. In many countries, party leaders are elected by the party's members, while in others, they may be appointed or selected by other party officials. Party leaders play a crucial role in shaping a party's policies, strategies, and campaigns, and they are often the public face of the party.
The roles and responsibilities of party leaders can vary depending on the political system and the size and structure of the party. However, in general, party leaders are responsible for setting the party's direction, promoting the party's agenda, fundraising, managing party operations, and communicating with the public and the media.
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Which method of influencing Congress is most likely to happen near elections
Ocampaign finance
Odrafting of bills
lobbying for political support
requesting government regulations
11 1
Why do the documents published long after the Great Chicago Fire include more details about the scope of the fire’s destruction?
The rapid spread of the fire as a result of a prolonged drought in that year's summer, strong winds from the southwest, and the destruction of the water pumping system were the only factors that city officials identified .
How did the Great Chicago Fire affect people over time?The three-day blaze that destroyed 2,100 acres of the city resulted in the deaths of approximately 300 people and the displacement of 100,000. Both the heart of the business district and Chicago's center were destroyed. However, only 20 years after the fire, the city's populace had developed from 300,000 to 1 million individuals. When the Cook County Courthouse caught fire in October 1871, many private records kept at home as well as official property deeds stored there were destroyed. The state and the city of Chicago worked together to get the missing documents back as the city rebuilt.
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What are the names of three people that have won the metal of honor?
Answer:
John Andrews (Navy), Charles Brown(Marine Corps), and John Coleman(Marine Corps)
Explanation:
In the case Roe v. Wade, the Supreme Court ruled that state laws
were protected by federal laws.
were protected by the Ninth Amendment.
violated the right to privacy.
violated the Second Amendment.
In the case Roe v. Wade, the Supreme Court ruled that state laws were protected by the Ninth Amendment. Thus, option B is the correct option.
What was Roe v. Wade?The historic Roe v. Wade decision by the U.S. Supreme Court determined that a pregnant person's right to an abortion is usually protected by the U.S. Constitution. The ruling invalidated a number of abortion restrictions and sparked a heated discussion in the United States over whether or how much abortion should be permitted, who should make that choice, and what place morality and religion should have in politics.
The ruling also influenced the discussion of the Supreme Court's constitutional review procedures. Norma McCorvey, who filed the lawsuit under the fictitious name "Jane Roe" in court, became pregnant with her third child in 1969 and used that year to bring the complaint.
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Why were the Articles of Confederation replaced with the Constitution?
Responses:
A) They took too much power from the states.
B) They made the federal government too weak.
C) They were not clear enough to understand.
D) They were too similar to British laws.
Answer:
B,.
Explanation:
The Articles of Confederation were replaced with the Constitution because they failed to provide a strong central government and lacked the ability to regulate commerce and taxes effectively, leading to economic instability and political unrest. The Constitution addressed these issues by establishing a stronger federal government with more power to govern and regulate the nation.
the following map shows canals either built or under construction by 1840. what did the construction of those canals accomplish?
It helped to alleviate some of the Mississippi and Ohio rivers' congested shipping traffic.
The initial Erie Canal traveled 363 miles from Albany to Buffalo and was constructed between 1817 and 1825. The largest public works undertaking in North America, it was also the longest artificial canal. The canal established New York as the Empire State, the top state in terms of people, industry, and economic power. New York became the busiest harbor in the US as a result. It connected seaports on the Atlantic and Gulf coastlines to the Great Lakes.
Instead of spending two weeks in crowded stagecoaches, canal packet boat passengers could journey from Albany to Buffalo in five days and relative comfort. Compared to shipping via an ox-drawn wagon, freight prices decreased by 90%. Produce from the Midwest was shipped by freight vessels from Buffalo to Albany. The majority went on to the seaport in New York City while being towed in fleets by steam tugboats down the Hudson River. Farmers, loggers, miners, and manufacturers in the Midwest gained new access to lucrative overseas marketplaces.
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PLEASE HELP ME
1. How would you describe the attitude of the narrator toward elite New York society?
-
2. Why do you think Wharton uses words such as ¨pressed,¨ ¨expected,¨ ¨obliged,¨ ¨forced,¨ and ¨plunged¨?
-
3. How does the young girl described in the excerpt contrast with those around her?
-
4. How does the author foreshadow that problems will arise for the young girl depicted in the excerpt? Cite evidence from the text to support your answer.
-
5. Why do you think Wharton´s novel reflected overall trends in society?
"The Age of Innocence" portrays New York's elite society as shallow, hypocritical, and obsessed with maintaining social norms.
How is the atmosphere described?The suffocating atmosphere constrains characters and reflects broader social and cultural shifts of the late 19th century, such as industrialization and social reform.
May Welland, the young girl, represents innocence and purity in contrast to corrupting influences.
Her engagement to Newland Archer is uncertain, foreshadowing problems.
The novel highlights the growing divide between the established elite and the upwardly mobile middle class.
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which medium was the first to contain advertisements? group of answer choices babylonian clay tablets egyptian papyrus the boston newsletter in 1704 the new york times in 1866
The first medium to contain advertisements was Babylonian clay tablets. The correct option is babylonian clay tablets.
These clay tablets date back to around 3000 BCE and were used by the ancient Babylonians for various purposes, including recording commercial transactions and promoting goods or services.
The process of creating these advertisements involved carving messages and illustrations into wet clay, which was then left to dry and harden. Once the clay tablets were dry, they could be easily displayed or distributed to potential customers. This early form of advertising was a simple but effective way for merchants to communicate their offerings to the public.
While Egyptian papyrus, the Boston Newsletter in 1704, and the New York Times in 1866 also featured advertisements, these mediums came much later in history. Egyptian papyrus was used for written communication around 3000 BCE as well, but there is no clear evidence that it contained advertisements before the Babylonian clay tablets. The Boston Newsletter was the first newspaper in America to include advertisements, and the New York Times started incorporating ads in the 19th century.
In summary, Babylonian clay tablets were the first medium to contain advertisements, predating other forms of advertising in Egyptian papyrus, the Boston Newsletter, and the New York Times. These early advertisements showcased a creative way for merchants to promote their goods and services to potential customers. The correct option is babylonian clay tablets.
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Which iS an invention that improved safety for railway passengers?
• refrigerated rail cars
• Pullman sleeping cars
• time standardization
O air brakes
The invention that improved safety for railway passengers is air brakes.
Why is it so?Air brakes is an invention that improved safety for railway passengers. Air brakes were first introduced in the late 19th century and allowed trains to stop more quickly and efficiently than the previous methods of braking. This greatly reduced the risk of accidents and collisions on the railways, improving safety for passengers and crew.
Air brakes in railways -Air brakes are widely used in Indian Railways, particularly in freight trains. In fact, Indian Railways was one of the first railways in the world to adopt air brakes on a large scale. The use of air brakes has greatly improved the safety and efficiency of train operations in India. Air brakes help reduce the stopping distance of the train, making it easier for drivers to control the train and avoid accidents. They also allow for faster and more efficient braking, which helps reduce wear and tear on the train's wheels and other components. Overall, air brakes have played a crucial role in making Indian Railways one of the safest and most reliable railway systems in the world.
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which most accurately describes conditions that led to the overthrow of the romanov dynasty? responses british-led conspiracy to install a communist government british-led conspiracy to install a communist government success of the democratic reforms instituted in 1905 success of the democratic reforms instituted in 1905 staggering rates of inflation and food shortages staggering rates of inflation and food shortages unhappiness over the treaty of brest-litovsk unhappiness over the treaty of brest-litovsk
The c. staggering rates of inflation and food shortages staggering rates of inflation and food shortages describe conditions that led to the overthrow of the Romanov dynasty
The circumstances that resulted in the overthrow of the Romanov empire were most correctly characterised as staggering rates of inflation and food shortages. Prior to the Russian Revolution of 1917, the nation was usually going through a severe economic crisis that was defined by high inflation, a lack of food, and widespread destitution. Widespread societal discontent was caused by these circumstances, which also helped to increase support for revolutionary groups like Vladimir Lenin's Bolsheviks.
The economic catastrophe and discontent with the Romanovs were significant contributors to the monarchy being overthrown and the first communist administration in history being installed. The collapse of the Romanov empire was not significantly influenced by the British-led conspiracy, the success of the democratic changes implemented in 1905, or discontent with the Treaty of Brest-Litovsk.
Complete Question:
Which most accurately describes conditions that led to the overthrow of the romanov dynasty?
a. responses british-led conspiracy to install a communist government british-led conspiracy to install a communist government
b. success of the democratic reforms instituted in 1905 success of the democratic reforms instituted in 1905
c. staggering rates of inflation and food shortages staggering rates of inflation and food shortages
d. unhappiness over the treaty of brest-litovsk unhappiness over the treaty of brest-litovsk
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Which Reconstruction-era political group is depicted in this image?
This picture shows the political faction known as the carpetbaggers during the Reconstruction.
During the American Civil War, what did a carpetbagger do?In order to identify Northerners who moved to the South after the war, purportedly in an effort to become wealthy or obtain political influence, opponents of Reconstruction created the term "carpetbagger." From 1865 and 1877, during the Reconstruction era, the Southern states that had seceded from the Union were reconstituted as a part of it.
A carpetbagger fact is what?White Republicans from the North who relocated to the South after the American Civil War were referred to as carpetbaggers. Many white people in the South saw them as opportunists who utilized the votes of formerly enslaved people to gain political power so they could profit financially.
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What is it? Goals Tactics Why is it Significant?
Black Panthers
Brown Vs. Board of Education (1954)
Civil Rights Act 1964
Freedom Rides
March on Washington
Tallahassee bus boycott
Montgomery bus boycott
Little Rock Nine
Letters from Birmingham Jail
Voting Rights Act 1965
Student Nonviolent
Coordinating Committee
(SNCC)
Helpppp!!
Answer:
It is a plan set aside to be achieved
There are several steps in the pretrial process for a felony criminal case. Place each step in the correct order.
Police officers investigate a The suspect appears before a The judge determines probable
judge.
Intro
crime.
cause.
A suspect is arrested and
booked.
The pretrial process for a felony criminal case typically involves several steps, including the initial appearance, the preliminary hearing, and the arraignment.
What are the several steps in the pretrial process for a felony criminal case?The pretrial process for a felony criminal case is a critical stage in the criminal justice system. The process begins with the initial appearance, which is the defendant's first appearance in court. At the initial appearance, the defendant is informed of the charges against them and advised of their rights. The next step is the preliminary hearing, which is a hearing to determine if there is sufficient evidence to hold the defendant for trial. At the preliminary hearing, the prosecution presents evidence and witnesses, and the defense has the opportunity to cross-examine the witnesses and challenge the evidence. If the judge determines that there is sufficient evidence, the case proceeds to arraignment. At the arraignment, the defendant enters a plea, and the judge sets a date for the trial. The pretrial process also includes discovery, which is the exchange of evidence between the prosecution and defense, and plea bargaining, which is a negotiation between the prosecution and defense to resolve the case without going to trial.Read more about felony case
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The author argues that "We need to be on the lookout for when we, too, become 'used to' the casual oppression of others, when our everyday compassion for people different from us disappears." Can you think of examples from your own life or from your society of people getting "used to" bad treatment of others? Are there ways in which we can act to avoid repeating this kind of atrocity? (Answer on the back)
Answer:
Example 1: Victim Blaming. When a victim was called a *****, and told that "she enjoyed it" because "she threw herself on her r*p*st".
Example 2: Victim Blaming. When a victim was blamed because she wore clothes that are "too revealing" and "turned on" her r*p*st even though she was only seven years old.
Example 3: Toxic Masculinity. A woman reports physical abuse from a man, everyone believes her and comforts her. A man reports physical abuse from a woman, no one believes him and makes fun of him.
Example 4: Toxic Masculinity. A woman cries, she's heartbroken. A man cries, he's a crybaby and weak.
Example 5: Discrimination. A man as the breadwinner of the family, he's great father and husband. A woman as the breadwinner of the family, she's weak and a show-off.
There are still lots of examples I can think of, but I'll just leave it here.
Are there ways we can do to avoid repeating this kind of atrocity?
Yes, there are ways. There have always been lots of ways, it's just that most people chose to ignore them. We can avoid these kind of atrocities by:
STOP VICTIM BLAMING.STOP TOXIC MASCULINITY AND DISCRIMINATION AGAINST WOMEN.STOP JUDGING OTHERS.STOP TELLING OTHERS WHAT AND HOW THEY SHOULD ACT.DON'T BE RUDE, RESPECT OTHERS!DON'T SAY "Respect is not given, it is earned!". RESPECT OTHERS WHETHER OR NOT THEY "DESERVE" IT.In short, mind your own business and stop telling others how they should act or look based on your " perfect standards". Treat others the way you want to be treated!
in the 1920s, which political party denounced racial equality and supported white rule? group of answer choices populists
The political party that denounced racial equality and supported white rule in the 1920s was not the Populist party, but rather the Ku Klux Klan (KKK), which gained significant influence during that time period. The KKK was primarily associated with the Democratic Party, although it also had some support among Republicans.
In the 1920s, the political party that denounced racial equality and supported white rule was the Ku Klux Klan.What is a political party?A political party is a political organization that wants to gain and hold political power within government, typically by participating in electoral campaigns.
Political parties play a vital role in democratic governance since they nominate candidates for elected office, serve as a means of connecting citizens to their government, and develop and promote policy proposals to address society's most pressing issues. Political parties are made up of people who share similar beliefs about how government should operate. These people work together to persuade voters to elect their party's candidates to public office. Political parties have a lot of power in government because they can control legislation, budgets, and appointments to public positions.
In the 1920s, the Ku Klux Klan was a white supremacist organization that denounced racial equality and supported white rule. They sought to prevent black people from voting, holding public office, and receiving equal treatment under the law. The Klan's influence in politics was significant in the South, where they used violence and intimidation to maintain their power.
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Jacob Smith is an African American man in his fifties. He heads to a local restaurant for dinner and is told by the hostess that he is going to have to sit on "that side” of the establishment, as she gestures to a part of the restaurant where only other African Americans are sitting. Mr. Smith feels offended and leaves the restaurant.
Based on passage of the Civil Rights Act, what is Mr. Smith’s best recourse?
which moment in the French Revolution that showed that if the people banded together they could defeat the military might of france:
a)reign of terror
b)storming of bastille
c)commitee of public safety
PLEASE DO NOT ANSWER IF U DONT KNOW IT I RLLY NEED THIS PLS
Reign of terror is the moment in the French Revolution that showed that if the people banded together that they could defeat the military of France. Hence option A is the answer.
The French Revolution, which lasted from 1789 to 1799, was a time of significant upheaval in politics and society in France. It was distinguished by a succession of popular uprisings and radical reforms intended at toppling the absolute monarchy and establishing a democratic government.
From 1793 to 1794, the French Revolution was characterized by widespread violence and repression as the revolutionary government sought to eliminate its perceived enemies which are known as the Reign of Terror or "French La Terreur". This resulted in the execution of thousands of people, including King Louis XVI, and eventually contributed to the radical Jacobin government's demise.
So, the Reign of Terror is the period when people cam up together to fight against the military of Jacobian government.
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1. What do you think the author means by ¨the badge of color¨?
-
2. Why would references to race increase prejudice?
-
3. Based on the article, how did reporters use ¨malice aforethought¨?
-
4. What policy did two of the great dailies of the time adopt?
-
5. How does this article relate to recent events?
Answer:
The author most likely means that the color of someone's skin is seen as a marker or symbol of their racial identity, and that this identity can often be the subject of discrimination or prejudice.
References to race can increase prejudice because they can reinforce stereotypes and biases about certain racial groups, leading people to make assumptions or judgments based solely on someone's skin color or ethnicity.
The article doesn't provide specific examples of how reporters used "malice aforethought," but it suggests that they deliberately portrayed African Americans in a negative light in order to appeal to racist attitudes and increase circulation.
Two of the great dailies of the time adopted a policy of objective reporting, striving to present an unbiased view of events and to avoid using racial stereotypes or inflammatory language.
This article relates to recent events in that it highlights the persistence of racial prejudice and discrimination in society, and the ongoing struggle to combat these issues. It also underscores the importance of responsible journalism in promoting understanding and tolerance, and in avoiding the perpetuation of harmful stereotypes and biases.
Which of these is NOT considered
capital?
A. student loan debt
B. business equipment and machinary
C. residential property
Answer: Its C
Explanation:
help it is for a test
Washington are the same distance from the equator, and both cities are near the ocean. The air temperature in Fairview is colder than the air temperature in Washington. What causes the air temperature in these places to be different? Explain what causes the difference as completely as you can.
The distance between Fairview and Washington from the equator is the same, and both cities are close to the ocean. Around Fairview, the ocean's surface is colder than the overall ocean.
Why does it get colder the farther you get from the equator?In general, a place will be colder and have more snow the further it is from the equator. This is due to the fact that lower-latitude, tropical locations receive more sunlight and energy from the Sun than higher-latitude regions.
Ocean currents directly affect weather, the environment, and sea life, which has an impact on how people live. Water density, tides, winds, and of course the rotation of the Earth's axis all contribute to ocean currents.
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What factors kept Britain and the United States from saving many of the Jews from the death camps?
3. How did Algeria's resistance to French rule differ from the East Africans' resistance to German rule?
Answer:
Explanation:
The resistance of Algeria to French rule and East Africa's resistance to German rule differed in several significant ways:
Historical Context: The historical context of Algeria's resistance to French rule and East Africa's resistance to German rule was different. Algeria had been under French rule since 1830, and the resistance movement started in the 1950s. In contrast, Germany began colonizing East Africa in the late 19th century, and the resistance movement started in the early 1900s.
Resistance tactics: The resistance tactics used in Algeria were more violent and aimed at guerrilla warfare. The National Liberation Front (FLN) used bombings and assassinations to fight against French rule. In contrast, the resistance movements in East Africa were more focused on traditional warfare tactics, such as ambushes and raids.
Leadership: The leadership of the resistance movements was also different. In Algeria, the FLN was a centralized organization with clear leadership, while in East Africa, the resistance movements were more fragmented and lacked a centralized leadership structure.
Objectives: The objectives of the resistance movements were also different. The FLN in Algeria aimed for full independence from France, while the resistance movements in East Africa sought greater autonomy within the German colonial system.
International support: The international support for the resistance movements was also different. Algeria's resistance movement received support from several countries, including China, the Soviet Union, and Cuba. In contrast, the resistance movements in East Africa received little international support.
Overall, while both Algeria and East Africa resisted foreign colonial rule, the differences in historical context, resistance tactics, leadership, objectives, and international support resulted in different outcomes and experiences for these two regions.
Election laws make it harder to get on the ballot and the Electoral College makes it
harder for third parties to earn votes.
True
O False
The statement is true. Election laws, such as ballot access requirements, can make it difficult for third-party candidates to get on the ballot, and the Electoral College system in the US can make it harder for third-party candidates to earn votes, as it tends to favor the two major parties.
What is election laws?Election laws are a set of rules and regulations that govern the conduct of elections, including the qualifications of voters and candidates, the procedures for registering voters and casting ballots, the methods of counting and certifying votes, and the resolution of disputes related to the election process. These laws may be established at the federal, state, or local level, and are designed to ensure the fairness, transparency, and accuracy of the electoral process.
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write down the five causes of WWII
End of colonialism and imperialism.
End of dictatorship in Germany and Italy.
Germany was divided into West Germany and East Germany.
Strengthening of nationalist movements in Africa and Asia. ( 5 crore deaths (2.2 crore soldiers and 2.8 crore civilians)
Source : crearias
30PTS. Answer the following questions in a few short paragraphs.
Which period from fashion history do you choose to focus on – 20 or 40 years ago?
Which trend from that fashion period do you choose to incorporate into your design?
How might you adapt or change the style to suit current fashion trends?
Answer:
Which period from fashion history do you choose to focus on – 20 or 40 years ago? I choose to focus on the fashion period from 20 years ago as it was a time when minimalism and simplicity were in vogue, and there was a shift towards sustainable and ethical fashion practices.
Which trend from that fashion period do you choose to incorporate into your design? I choose to incorporate the bold prints and bright colors that were popular during that time. These elements will add a playful and energetic vibe to my design.
How might you adapt or change the style to suit current fashion trends? To adapt the style to current fashion trends, I would research popular color palettes and patterns and incorporate them into my design. Additionally, I would consider the overall aesthetic of current fashion trends and ensure that my design aligns with it.
Explanation:
What is an alliance permitting states or nations to
act together on matters of mutual concern.
Answer:
confederation
Explanation:
confederation is when a group of people or nations form an alliance, it is called a confederation, allowing each member to govern itself but agreeing to work together for common causes. Perhaps the best-known confederation was the South during the U.S. Civil War.
How is the concept of Lincoln garnering support for the Emancipation Proclamation developed throughout the passage?
A
Lincoln wanted to support the Union troops by giving them a cause to rally around, so he wrote the Emancipation Proclamation.
B
Lincoln wished to support freedom for all men and women right away but could not gather enough of it to pass the Emancipation Proclamation.
C
Lincoln realized that Europe was going to support the Confederate Army and wrote the Emancipation Proclamation to discourage them from doing so.
D
Lincoln decided to bide his time and introduce the Emancipation Proclamation as a strategic military move, gradually gaining support for it over the course of the Civil War.
Lincoln made the decision to be patient and slowly win over supporters of the Emancipation Proclamation throughout the duration of the Civil War.
The Emancipation Proclamation is what, exactly?The language of a legal proclamation that President Abraham Lincoln signed on January 1, 1863, requesting the freedom of "all persons held as slaves" throughout the abolitionist southern states, is known as the Emancipation Proclamation.
What were the Emancipation Proclamation's three main effects?The Proclamation expanded the objectives of the Union war effort by explicitly including the abolition of slavery in addition to the nation's reunification. The Proclamation also barred the involvement of European armies in the conflict on the side of the Confederacy.
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