Consumer debt consists of personal debts that are owed as a result of purchasing items that are used for individual or household consumption. These goods can be purchased for consumption either by an individual or by an entire household.
Consumer debt can take many forms, including credit card debt, school loans, auto loans, mortgages, and payday loans, just to name a few. In contrast to other debts, such as those utilized for investments in the process of running a business or debts incurred by the government as a result of its activities, they are unsecured obligations.
A loan that the borrower is required to repay in predetermined amounts of money at regular intervals is called an installment debt. In most cases, the repayment of an installment loan takes the form of equal monthly payments that comprise both interest and a portion of the principal.
This kind of loan is known as an amortized loan, and in order to obtain one, the lender will need to prepare a standard amortization schedule that outlines the payments that will be made over the course of the loan's term.
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Don uses one hour each week to perform certain tasks, including ______, as part of his personal financial system.
Don spends an hour each week on a number of tasks as part of her financial and personal routine, including settling any past-due bills or payments.
What does an accounting bill mean?An forensic accounting document that details the price a customer must pay for a good or service is referred to as a "bill." It is also regarded as a reminder for payments. It before payment is delivered, a bill is issued, and it's used once and right away.
Is paying a bill a cost?A bill is technically an expense. However, both do have two distinct meanings in QuickBooks. A bill is cash that your company owes but will reimburse later. Any money spent by your company at the moment of a purchase is considered an expense.
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A customer buys a 6.5% municipal bond with 20 years left to maturity in the secondary market priced at 120 to yield 5.00%. After taking taxes into consideration, the customer's yield will be:
The correct option is B. The after-tax yield to maturity is $55 / $1,100 = 5.00%.
The yield on this bond consists of 2 components: the annual 6.50% coupon rate and the annual 1% loss of the premium (20-point premium amortized over 20 years = 1 point loss per year). Since there is no tax deduction for the annual loss, the net return each year, after tax, is 5.50% (6.50% coupon - 1.00% annual loss = $55 per year). The bond's average value over its life is $1,100 ($1,200 purchase price + $1,000 redemption price / 2). The after-tax yield to maturity is $55 / $1,100 = 5.00%.
Consideration is one of the maximum important elements of a settlement as it states why each celebration is becoming a member of the agreement. Attention may be the alternative of money for services or products, or it is able to be an alternate of 1 form of product for some other kind of product.
Consideration is a payment made by means of one birthday celebration to any other in exchange for the transfer of something of price. consideration can include the charge of the property, the agreement of duty, or forbearance.
Attention is an essential element of a legitimate settlement. without it, the settlement is void and consequently cannot be enforced. it's far critical to notice that when you enter right into an agreement, you should have valid attention, adequacy of that is immaterial.
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Complete Question:
A customer buys a 6.5% municipal bond with 20 years left to maturity in the secondary market priced at 120 to yield 5.00%. After taking taxes into consideration, the customer's yield will be:
A. less than 5.00%
B. 5.00%
C. between 5.00% and 6.50%
D. more than 6.50%
Which one of the following actions helps increase a company's image rating/brand reputation?
a. Successfully increasing its global marketing efforts to match the efforts of rival companies in the industry
b. Using environmentally friendly camera components and recycled materials for manuals and packaging for the company's action cameras
c. Increasing the company's credit rating of both short and long-term loans
d. Spending sizable sums of money for multiple research and development initiatives to improve the overall image of the company
e. Increasing camera and drone P/Q ratings by 1.5 stars
The company's action cameras are packaged and manuals are made using recycled materials and eco-friendly camera parts, which is option b. A company's reputation will improve if it invests in socially conscious projects.
Which of the following actions helps a company's EPS grow?Pursuing initiatives that will increase net income is one strategy to increase EPS (the numerator in the formula for calculating EPS). Repurchasing stock shares has the effect of lowering the total number of shares held by shareholders while also increasing EPS.
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A customer buys $10,000 worth of new issue municipal bonds at a price of 104, and the bonds have 10 years to maturity. Four years after purchasing the bonds, she sells them at 99. What is the tax loss on these bonds
The tax loss on these bonds is D) 340.
The tax loss is a a situation in which a company or investment loses money in a particular period, so there is no tax to pay on it, and in some cases tax paid on profits in previous periods can be got back: If you make an investment that creates a tax loss, you can then use this loss to reclaim income tax paid previously.
To calculate the tax loss:
-40/10yrs = $-4 every year
-4*4 = +16
-1040-16 = -1024 + 990 = 340
A customer buys $10,000 worth of new issue municipal bonds at a price of 104 and the bonds have 10 years to maturity. Four years after purchasing the bonds, she sells them at 99. What is the tax loss on these bonds?
A) 400.
B) 500.
C) 160.
D) 340
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There are two types of bad drivers: Speeders and Unaware Unaware and Angry Aggressive and Unaware Sunday afternoon drivers and Speeders
There are two types of drivers:n Aggressive and Unaware
In order to avoid these dangerous drivers and road hazards, we should avoid driving while intoxicated.
Who are Aggressive and Unaware drivers?A variety of unsafe driving behaviors are covered by the term "aggressive driving." Aggressive driving typically includes speeding, tailgating, weaving in and out of traffic, running red lights, and any combination of these behaviors.
A driver who is not paying attention can quickly turn in front of you, leaving you with no choice but to hit them. Also, if an ambulance or fire truck enters at the same time as you do, they might think they have a clear path when in fact they don't.
Eight warning signs that you drive aggressively You frequently exceed the speed limit or attempt to avoid red lights:
You frequently honk your horn.You make rude gestures or yell at other drivers.You don't give way to the right.Drivers typically fall into three groups: defensive, aggressive, or unaware. People who drive as though they are unaware that other drivers are on the road with them make up the third category, which may be the largest of the three. We will focus on all three because it is frequently the third group that initiates our defensive or aggressive behavior.
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Which of the following countries would likely view a business contract as a binding document?
1_Mexico
2_Japan
3_Greece
4_Germany
this is business question
North Americans, Scandinavians, and Germans tend to be logical, analytical, and action-oriented communicators.
Which of the following nations' communication cultures exhibits the most context?Even more Asian and African nations lag behind Japan, which has the greatest context culture in the world. This is a crucial consideration when comparing communication techniques between cultures.
What do high context and low context nations mean?Low-context cultures are frequently rational, analytical, goal-oriented, and person-focused. In high-context societies (like those in Japan, China, and Arab nations), the listener is already "contextualized," therefore little background information is required.
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Convergence of lifestyles worldwide makes it ______ for companies to _______.
Convergence of lifestyles worldwide makes it easier for companies to treat the world as a single market.
What is the convergence of global consumer tastes?
Convergence is a key component for identifying how similar or different consumer spending patterns are developing across countries. The degree of similarity in consumer buying behavior is important in shaping a company's marketing strategy.
How is Convergence Used in Marketing?In short, convergence turns traditional marketing into yet another set of data points to collect. An example of the fusion of online and offline marketing is Target, a discount service in the United States. Target, like many companies, has spent time building customer profiles based on big data.
What is a convergence strategy?Strategic convergence means being able to operate with more flexibility, more communication, more interdependencies, more innovation...more than anyone could create on their own. for the possibility
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In the sentence Our company will be hiring 50 new employees, the words will be hiring are a(n) ____.
The words will be hiring are a(n) VERB PHRASE in the sentence Our organisation will be hiring 50 new staff.
A short adverb, such as also, never, or not, might attempt to squeak in between the components since a verb phrase may contain up to four words. Adverbs that are nestled within verb phrases are still adverbs and do not form a part of the verb. A verb, a primary verb following a modal, or one or more auxiliaries make up a verb phrase or verbal phrase. In a verb phrase, the main verb is always placed last.
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How will the workplace change in the future?
The workplace of the future will be more flexible and virtual, with technology playing a larger role in how work is done.
What is workplace?
Workplace is the physical and virtual environment where people come together to work and collaborate. It includes all the tools, technology, processes, and structures that enable work to be completed and goals to be achieved. It also includes the physical workplace such as office buildings, factories, and retail centers, as well as virtual workspaces such as online meetings and virtual workspaces. It includes the processes, policies, and procedures that ensure the effective functioning of an organization and the development of its employees. Workplace also encompasses the culture, values, and practices that shape the way people interact, collaborate, and work towards common goals.
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What is an internment center?
Internment center or detention facility for political prisoners and members of national or ethnic minorities who are imprisoned due to state security concerns, exploitation, or retribution, typically by executive order or military order.
Instead of treating people as individuals and without the benefit of an indictment or a fair trial, these camps frequently place people there based on their association with a particular ethnic or political group. Concentration camps are to be distinguished from prisons housing inmates who have been found guilty of civil offenses in court as well as from prisoner-of-war camps housing captured soldiers who are detained there in accordance with the rules of war.
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One of your fellow investment adviser representatives (IAR) recently turned a large profit on the sale of a security. You overhear him discussing the sale with another employee. He says that he purchased the security from the firm's account and after the transaction was complete, he began recommending the security to all of his clients some of whom purchased large blocks of the specified security. After all of the clients willing to make the purchase had done so, he sold his shares for a large profit. Which of the following is the most serious violation that the IAR committed?
A. The IAR engaged in profit taking
B. The IAR engaged in front running
C. The IAR excessively traded the accounts
D. The IAR made unsuitable recommendations to his clients
Answer:
Option b: The IAR engaged in front running
Explanation:
Investment Adviser are simply individuals who offers advice/analyses on securities and they are involved offering such advice (even if it's not the primary service offered). They also receives compensation for these services that is rendered. Their services also include consultation as they give advise on pension plan, sports and investments.
The SEC do offer or restricts distribution participants (underwriters and issuers) from bidding for or making secondary market purchases of the stock that is being offered in a distribution.
Front Running
This is simply said to be the act of placing a broker's personal orders ahead of a customer's large order so as to make a profit from the market effects of the trade and also when a broker who buys himself shares in a stock just before his brokerage plans to buy a large block of share.
With the growth of managed care, the balance of power in the medical marketplace swung toward: a. providers b. the supply side c. the demand side
Option c is correct. With the growth of managed care, the balance of power in the healthcare market has shifted to the demand side.
Managed care reduces quality of care, increases bureaucracy, increases physician-patient frustration, depersonalizes the physician-patient relationship, shifts costs, but does not save money. .
IT has given hospitals a broader range of patients while increasing physician flexibility, increasing the purchasing power of managed care health plans, and enabling further growth in service delivery in a variety of settings. Employers are beginning to shift from traditional healthcare to managed care plans.
Overall, healthcare costs will increase by 217% (average annual growth rate of 12.2%). The result was the managed care revolution in the early 1990s, with more employers offering managed care plans to their employees. Developed in the United States in response to rising healthcare costs and the breakdown of fragmented services, managed care is not an isolated activity, but a variety of activities performed in different organizational environments.
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Is health insurance the most important benefit?
Possibly the most significant sort of insurance is health insurance. According to a 2016 survey by the Kaiser Family Foundation and the New York Times, one in five persons with medical debt filed for bankruptcy.
Health insurance shields you from dangers to your health and finances. Nobody anticipates getting sick or harmed, but the majority of individuals eventually need medical attention. These expenses are covered by health insurance, along with many other significant advantages.
You are protected against unforeseen, excessive medical expenses with health insurance. Going without health insurance and paying for medical costs as they arise can be less expensive if you are young, healthy, and just starting out on your own.
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You are working with a client who wants to use fewer accounts on his chart of accounts but still needs to see purchases broken out by service type. How should he enter these on purchase transactions
Answer:
nvjnjhunvcddyj jkkooncdyj
Freya wants to use her debit card to purchase a $135 tablet computer. What must Freya consider before using her debit card
As a result, Freya does not need to check her account's interest rate before making the purchase. She doesn't have to make sure she can pay the bills every month because they won't be needed.
What kinds of credit are available to borrowers?Credit can be divided into three categories: open credit, revolving credit, and installment credit There is a distinct structure for borrowing and repaying each of these.
Freya must take into account the following before using her debit card to purchase the $135 tablet computer:
A. She needs to make sure that her bank account has at least $135 available for the purchase.
C. She needs to make sure that her account has any scheduled automatic payments.
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Full Question = Freya wants to use her debit card to purchase a $135 tablet computer. What must Freya consider before using her debit card? Check all that apply. She must be sure there is at least $135 in her bank account for the purchase. She must check the interest rate on the debit card. She must check to see if any automatic payments are scheduled for her account. She must check her credit history. She must make sure she will be able to make the monthly payments.
what would you do if you were offered a promotion that you were not certain about accepting? What factors would you take into account when making your desicion?
Answer:
Answer
Explanation:
I would most likely accept the promotion.
Several factors would influence my decision.
- The new scope of responsibilities
This will include all the additional risks and tasks that I will get by accepting the promotion. Taking new responsibilities might sound scary, and many people will be discouraged by this. But at some point, all great leaders are someone without any experience too. As long as we are open to criticism, we will adapt to our new responsibilities.
- the new pay raise
Economic gain usually comes with promotion. It will motivate me to do more for the company.
- The likelihood of me getting another promotion chance
Chances like this do not come often in our life. The fact that I'm offered a promotion means that the higher up has reviewed my previous work result and determine that I'm the best option for them. I would not let this chance go to waste.
Most likely the amount of hours compared to the pay.
Would the new responsibilities, added hours, and/or the extra stress be worth the money and perks that came with said position?
For example, if I'm starting an 9-3 job as a secretary and I get offered a position to be a 9-5 salesperson, are the extra hours being matched by pay, benefits, or more flexibility in scheduling/vacation time/job perks?
And if you had a family you may take the financial and home-life factors into play. Ex: Do my kids need to get to school? Will a spouse be working at this time too? Or will I have a pet who can't be left alone for this long?
Hope this helped!
Grainne is an inside salesperson who earns an annual salary of $32,800 (paid biweekly) plus a commission on quarterly sales that is paid on the first pay date on the next quarter. She receives a 1% commission for quarterly sales totaling $0 to $25,000, a 2% commission for quarterly sales totaling between $25,001 and $50,000, and a 3% commission for quarterly sales totaling over $50,001. During the second quarter, Grainne's quarterly sales totaled $46,750. What is her gross pay for the first pay period in July
Grainne's gross pay for the first pay period in July is $2,196.54.
Before taxes, benefits, and other paycheck deductions are taken out of an employee's paycheck, that amount is known as their gross pay. Net pay, often known as take-home pay, is the amount that is left after all withholdings have been taken into account.
The first step in figuring out an owner's gross pay is to determine how much is owed for each pay period. Hourly workers multiply their total work hours by their hourly rate, overtime pay, and any other applicable premiums.
Employees on a salary must divide their yearly earnings by the number of pay periods. Before taxes and other deductions, an employee's gross salary is the whole amount they earn. For instance, if your firm gives you a salary of $40,000 per year, that represents $40,000 in gross earnings.
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While training is often the first thing to go in tough economic times (and sometimes is never addressed at some companies), training employees at PlastiPharm always receives high priority. Training focuses on safety, quality, expert equipment operation, and accurately following processes to ensure things are done right the first time. How does the company benefit because of this training approach?
The company benefits by helping new employees connect with the company vision.
The company benefits by training employees to collaborate with each other.
The company benefits from lower costs, higher quality, and less waste.
The company benefits by creating a pipeline for future company leaders.
The company benefits from lower costs, higher quality, and less waste.When employees undergo training, it improves their skills and knowledge of the job and builds their confidence in their abilities.
What are the benefits if you will control waste and costs?The bottom line is that preventing waste will save you money. By consuming and throwing away less, you will reduce the need to handle, treat, and dispose of waste. Waste prevention can take many forms, including: Purchasing durable, long-lasting materials.Saves energy. Reduces greenhouse gas emissions that contribute to global climate change. Helps sustain the environment for future generations. Reduces the amount of waste that will need to be recycled or sent to landfills and incinerators.Recycling saves energy, helps keep materials out of landfills and incinerators, and provides raw materials for the production of new products. When waste cannot be prevented, recycling is the next best option. Recycling is more than extending the life of landfills.Waste reduction is more cost-effective than recycling because it reduces the amount of material that needs to be collected, transported and processed. Waste reduction can save money for businesses and institutions of any size.To learn more about company benefits refer to:
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Which of the following account records would have the most current
balance?
O Your own account register
Your monthly bank statement
Account balance statement from the ATM
All of these records will have accurate account balances
Answer:All
Explanation:All would have to be the same as they are calculated by the bank with every transaction except your own register which should match if you are keeping it up to date.
PLEASE HELP ASAP!! CORRECT ANSWER ONLY PLEASE!!!
Mr. Slater invested $100,000 in a portfolio that is contains 60% stocks and 40% bonds. Over the course of a year, the value of the stocks increased to 67%, and the value of the bonds decreased to 33%. The current value of his investment is $118,400. How much should Mr. Slater move from stocks to bonds to rebalance his portfolio to 60% stocks and 40% bonds?
A. $8,900
B. $8,500
C. $8,288
D. $8,100
Answer:
8,288
Explanation:
Mr. Slater should move 8,288 from stocks to bonds to rebalance his portfolio to 60% stocks and 40% bonds
Answer:
C
Explanation:
Oscar spent much of February in bed, lethargic and sad. His mood improved, however. Then in April, he bought a $3000 plane ticket to Europe. Without telling his family, he emptied most of his savings account to go on a shopping spree during his travels. He is elated and unable to sleep in anticipation of his trip. Oscar is most likely suffering from:
It is a method of enforcing compliance whereby a direct request causes a change in behavior.
Door-in-the-face technique: Also known as DITF, this approach of compliance is known as the "door-in-the-face" technique in social psychology. In 1975, Robert Cialdini and his associates introduced it. It operates under the reciprocity principle. When someone uses the DITF strategy, they try to persuade the other person by agreeing to a huge or large request in the hopes that they will at least persuade them to agree to a smaller request. The door-in-the-face tactic is shown by Oscar's strategy in the aforementioned question. It is a method of enforcing compliance whereby a direct request causes a change in behavior. This method involves two steps: the first asks for something that is unreasonable, followed by a smaller, more reasonable request that gets the listener to agree to the first.
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Julius is asked to conduct an STP analysis for his firm. The first step he should perform in this analysis is to Multiple Choice conduct a SWOT analysis. divide the marketplace into subgroups. choose the best target markets. develop a business mission statement. reposition existing segments.
Julius is tasked with doing an STP study for his company. The initial stage in this study should be to split the market into subgroups. Hence, the correct answer is to divide the marketplace into subgroups.
What is STP in research?Grasp marketing and business strategy requires an understanding of the process of market segmentation, targeting, and positioning (STP). Most marketing textbooks present the STP approach as a simple three-step process. While that method provides a fantastic introduction to this marketing concept, it falls short of addressing the smaller parts of the STP process that must also be understood.
STP marketing (Segmentation, Targeting, and Positioning) is a three-step marketing framework. Using the STP technique, you separate your market, target your consumers, and place your offering in each category.
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Why is human resource management important to all managers? What is the role of line managers in human resource management?
A human resources department is also in charge of making sure that its employees are happy and healthy.
What is the significance of human resource management?
Without effective human resources management, companies would be unable to bring in and keep top personnel, expand and improve their operations, and maintain a supportive workplace environment.
HRD is seen as the secret to increased and improved productivity since it aids in the development of the knowledge, abilities, and attitudes that employers seek in their workforce.
Employee job satisfaction may rise as a result, and team members' ability to communicate with one another may improve.
Therefore, Management of human resources plays a crucial role in every organization.
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Consider the following account starting balances and journal transactions involving these accounts. Use T-accounts to record the starting balances and organize the offsetting entries for the transactions. The starting balance of Cash is $9,900 The starting balance of Inventory is $3,800 The starting balance of Retained Earnings is $21,400 Date Accounts and Explanation Debit Credit Mar 9 Retained Earnings 3 Cash 3 Consumed good or service and paid expense with cash Mar 10 Cash 40 Inventory 32 Retained Earnings 8 Sold and delivered product to customer Mar 11 Cash 25 Retained Earnings 25 Sold, delivered, and received payment for service with no clear associated cost What is the final amount in Retained Earnings
The final amount in Retained Earnings is $21,430. Delivered, and received payment for service with no clear associated cost.
Cash Account
Date Amount Date Amount
Beginning balance $9,900.00 9-Mar $3.00
10-Mar $40.00
11-Mar $25.00 Ending Balance $9,962.00
Total $9,965.00 Total $9,965.00
Inventory Account
Date Amount Date Amount
Beginning balance $3,800.00 10-Mar $32.00
Ending Balance $3,768.00
Total $3,800.00 Total $3,800.00
Retained Earnings
Date Amount Date Amount
9-Mar $3.00 Beginning balance $21,400.00
10-Mar $8.00
Ending Balance $21,430.00 11-Mar $25.00
Total $21,433.00 Total $21,433.00
Final Amount in retained earnings = $21,430
Stock accounting is the body of accounting that offers to value and accounting for adjustments in inventoried assets. An organization's inventory commonly includes goods in three degrees of manufacturing: raw items, in-progress items, and completed goods that can be prepared for sale.
Stock refers to all the objects, goods, merchandise, and substances held via a business for selling in the marketplace to earn an income. example: If a newspaper supplier uses a vehicle to supply newspapers to the customers, handiest the newspaper can be considered stock. The automobile could be handled as an asset.
Inventory is a modern-day asset account determined on the balance sheet, which includes all raw substances, paintings-in-development, and finished items that an agency has collected.
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During his first month of employment, Alix took a draw of 5% against his minimum sales amount of $15,000 in monthly sales that must be deducted from his pay during the first month that he reaches his minimum sales amount. He receives $29,400 annually in base salary plus a 5% commission on his sales. He receives his base salary on a semimonthly basis and receives his commissions on the final pay date of each month. During his second month of employment, Alix sold $47,000 of equipment. What is Alix's gross pay for the end of the second month of employment
The gross pay for Alix for the second month of his employment will be computed to an amount of approximately $4,325 as per the conditions given in the situation provided above.
The total gross pay can be calculated using the formula and method as shown below. The provided information will be used in the formula.
Total Gross Pay =Base Salary + Sales Commission – Drawings against Sales
Total Gross Pay = 29400/24 + 0.05×47000 – 0.05×15,000
Total Gross Pay = 4325
Therefore, the total gross pay will be $4,325.
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Chris operates the Devil's Brew chain of coffee stands. "Devil's Brew" is a a. certification mark. b. trade name. c. service mark. d. collective mark.
Answer:
b. trade name.
Explanation:
What are zones of tolerance?
The zone of tolerance is the difference between customers' expectations regarding their desired service and the minimum level of acceptable service.
What are zones of tolerance?A zone of tolerance is the range between the minimum acceptable standards and the desirable standard as viewed by the customer or consumer of a product or service given by an organisation.
Zone of tolerance, put simply, is the difference between the standard of service that is sufficient and the degree of service that customers desire.
Therefore, the service dimensions with the shortest zones of tolerance—i.e., a service that has a minimal gap between the level of service desired and the level of service deemed adequate—are the most crucial for a firm to supply.
The desired service is the greater level of their expectations, whilst the acceptable service can be thought of as the lower level.
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Calcular el valor futuro de $2,500 que se ahorran al final de cada mes por un periodo de 4 años con una tasa de interés del 9% anual:
Answer:
VF= $143.801,78
Explanation:
Dada la siguiente información:
Deposito mensual (A)= $2.500
Cantidad de periodos (n)= 4*12= 48 meses
Interes mensual (i)= 0,09/12= 0,0075
Para calcular el valor futuro (VF), debemos usar la siguiente formula:
VF= {A*[(1+i)^n-1]}/i
VF= {2.500*[(1,0075^48) - 1]} / 0,0075
VF= $143.801,78
With what official government bodies must a real estate brokerage file paperwork regarding the brokerage's use of an assumed name?
Texas Real Estate Commission and the county clerk in every county where the brokerage does business.
Real property is belongings together with land and the homes on it, at the side of its herbal sources along with crops, minerals or water; immovable property of this nature; an interest vested on this (also) an item of real belongings, (more generally) homes or housing in trendy. In phrases of regulation, real is when it comes to land property and isn't like private assets while property approach the "hobby" someone has in that land assets.
Actual property is different from non-public assets, which aren't completely attached to the land, such as automobiles, boats, rings, fixtures, tools, and the rolling stock of a farm. in the United States, the transfer, owning, or acquisition of actual estate may be through commercial enterprise businesses, individuals, non-profit groups, fiduciaries, or any prison entity as seen within the regulation of each U.S. nation.
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Under the Investment Advisers Act of 1940, which of the following investment advisers is NOT exempt from federal registration?
A)
All of John's clients reside in his home state, and John offers no advice on any exchange-listed securities. He manages $50 million in assets and none of his clients are private funds.
B)
ABC Advisers, with offices in 4 states, deals exclusively with insurance companies.
C)
Marie maintains her only office in Paris, France, deals with fewer than 15 clients (none of whom is a registered investment company) in private funds advised by Marie, has AUM in the United States of less than $25 million, and does not hold herself out as an investment adviser in the United States.
D)
All of Paula's clients are private funds and she has total assets under management of $200 million with less than $25 million of that belonging to foreign investors.
Answer:
D) All of Paula's clients are private funds and she has total assets under management of $200 million with less than $25 million of that belonging to foreign investors.
Explanation:
The exemptions that came from the SEC registration requirement under the Advisers Act involves advisers who renders no suggestion on any exchange security i.e. listed and the clients are in single state also there is some specific foreign advisors who do not hold as an investment advisiors also they have less than 15 clients per year. So in order to qualfy for the exemption related to the private fund adviser, the total AUM would be lower than $150 million. Also there is an exemption for the investment advisors not considering the no of states where the offices would be maintained.
Therefore, the option d is correct