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Which of the following can help consumers with excessive debt negotiate with lenders to reduce interest rates and fees
A.Bankruptcy lawyer
B.Credit counseling service
C.Federal trade commission
D.Financial protection bureau
Answers
Answer:
B.Credit counseling service
Explanation:
Credit counseling services involves engaging a credit counselor to pay off unsecured debts through a debt management plan. Credit counselors offer various services, including providing basic money management advice and setting up debt repayment plans.
Credit counseling simplifies the repayment process. Debt payment becomes easy and manageable. Credit counselors may negotiate lower interest rates and reduced monthly payments with creditors, which saves money.
Related Questions
Which statement best describes the first draft of a piece of business writing?
A.
It’s the result of several rounds of revision.
B.
It’s usually ready to be published.
C.
It doesn’t have any grammatical errors.
D.
It needs further development and editing.
E.
It has clear organization in each section.
Answers
Answer:
D. It needs further development and editing.
Explanation: The first draft has the main ideas, but it probably has misspelled words, grammatical errors, and punctuation that must be corrected. It may need reorganization and more development before it is ready for publication.
Answer:
D It needs further development and editing.
Explanation:
plato edmentum
Which of the following can help consumers with excessive debt negotiate with lenders to reduce interest rates and fees?
a
Bankruptcy lawyer
b
Credit counseling service
c
Federal Trade Commission
d
Financial Protection Bureau
Answers
Answer:
Credit counseling service
Explanation:
Credit counseling services are offered by not-for-profit organizations to assist individuals and firms plan how to pay off outstanding debts. Credit counselors are specialists in debt management. They offer their clients debt management advice and help them make debt repayment plans.
Credit counseling services make debt repayment easy and manageable. Credit counselors sometimes negotiate for reduced monthly payments and lower interest rates.
Read the sentence.
Because of the presence of many _[blank]_, California is a leader in entrepreneurship and innovation.
Which best completes the sentence?
A)court battles
B)wealthy investors
C)hardships
D)frontier people
Answers
D) frontier people
Answer:
the correct answer is wealthy investors
Explanation:
I got a 100% on the test and answer D was icorrect the first time I took it.
How can diversity in the workplace make a company more competitive in a global market?
O Diversity inhibits critical thinking and prevents disagreement among team members about global business
strategies.
O Diversity minimizes group think and can bring new ideas, attitudes, and experiences to the development of global
products and services.
O Diversity promotes global domination of the marketplace.
O Diversity is a moral virtue, and morals are consistent worldwide.
Answers
Answer:
Diversity inhibits critical thinking and prevents disagreement among team members about global business strategies.
Explanation:
Diversity in the workplace increases the competitiveness of the company as it focuses on generating new ideas and developing the goods or services provided globally.
Option B is the correct answer.
What is diversity in the workplace?Diversity is the situation where there are diverse or varied resources present in the workplace.
The companies get a competitive advantage due to the diversity in the workplace. It resulted in the emergence of innovative ideas from the working employees which ultimately lead to the development of products or services provided worldwide.
Therefore, the initiation of new ideas developing the global products which provide competitiveness to the company.
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30 POINTS!
Which cell contains an absolute reference?
Answers
Answer:
d11. .......
Explanation:
hii please follow me
Comparing traditional view of the cost of variability and Taguchi's view of cost of variability,
a)Both views are about the same.
b)Traditional view holds that as long as the product is within specification, there is no difference.
C)Taguchi's view holds that closer to the midpoint of specifications better it is.
d)B and C are true.
e)None of the above.
Answers
i had to answer this too lol
Based on the introduction and the job description, which qualities will Sarah need to look for when considering candidates to fill the position at Sarah’s Fruit Pops? List the top three characteristics.
Answers
Answer:
life experiences
Explanation:
high school diploma, college degrees, employment history.
The qualities will Sarah needs to look for when considering candidates to fill the position at Sarah’s Fruit Pops, was an experience.
What are experiences?Experience refers to conscious events in general, and perceptions in particular, as well as the practical knowledge and familiarity produced by these conscious processes. Experience, defined as a conscious event in the broadest sense, entails a subject to which various elements are offered.
The job description, high school diploma, college degrees, and employment history. qualities will Sarah need to look for when considering candidates to fill the position at Sarah’s Fruit Pops
Therefore, By having previous experience in the Fruit Pops, These qualities are Sarah looking for in the candidates.
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*ECONOMICS* Which situation best illustrates the concept of absolute advantage?
O A. A factory in Vietnam can produce more shoes than other
countries.
O B. The total value of U.S. exports is lower than the value of the
country's imports.
O C. A software company is forced to increase its prices to pay for
rising labor costs.
D. A restaurant buys its ingredients from nearby farms to help the
local economy.
Answers
Answer:
O A. A factory in Vietnam can produce more shoes than other
countries.
Explanation:
Absolute advantage is the capability of a commercial entity to produce goods using fewer resources compared to rivals. Using the same inputs, an entity with an absolute advantage produces a larger output compared to competitors. It means the firm has a lower marginal cost of production. Therefore, its products will have the lowest prices in the market.
The factory in Vietnam has an absolute advantage in producing shoes. It is using fewer resources than rivals to manufacture shoes, that why it is producing a higher quantity.
2. List and explain the components of the money supply
Answers
Answer:
Currency such as notes and coins with the people.
Demand deposits with the banks such as savings and current account.
Time deposit with the bank such as Fixed deposit and recurring deposit.
In theory, what conditions must exist to have pure competition among businesses in the same
industry? Select ALL that apply.
A. Businesses have the freedom to enter or leave the industry.
B. Businesses make and sell identical products that require no advertising.
C. Government intervention ensures that businesses in the industry stay competitive.
D. Large numbers of buyers and sellers ensure that no single group can affect product price.
Answers
Answer:
A. B. D.
Explanation:
the answer is the three letters above
At the beginning of the week, Jared had $50 in his bank account. On Tuesday, he made a $20 withdrawal. Thursday he made a $50 deposit. On Friday, he made a withdrawal of $50. What was the balance in Jared's bank account at the end of the week?
Answers
Answer:
Please help me
Explanation:
Third-grade teacher Ms. Lena has implemented a system of offering Reading Rug time to students who line up at the door properly and promptly when asked. To her dismay, she notes that those students who have in the past always lined up without incident now dawdle and chat until plied with Reading Rug points. Ms. Lena is witnessing: Self-efficacy Growth needs Overjustification effect Maslow's Hierarchy
Answers
Answer:
Overjustification effect
Explanation:
The overjustification effect happens when an external motivator, e.g. reading rug time, decreases someone's personal motivation to do something. I.e. Students that used to line up properly will only do it if they are rewarded with reading rug time, even if they did it before just because they felt it was correct. The external motivator actually diminished some students' motivation to act correctly.
Which TCF checking account fee is the most expensive?
Answers
Answer:
Explanation: it’s o stop payment fee
ABC Company issues a 3-year bond with a $1,000 Face Value and a 5% Coupon Rate, with coupons paid once a year at the end of every year. It is now the beginning of its second year and the first coupon has already been paid. Banks are now giving 4% interest for deposits. The Bond's Market Value is $913. What is the bond's yield to maturity?
Answers
Answer:
yield to maturity = 9.78%
Explanation:
yield to maturity = {coupon + [(face value - market value) / n]} / [(face value + market value) / n]]
YTM = {$50 + [($1,000 - $913) / 2]} / [(($1,000 + $913) / 2]] = $93.50 / $956.50 = 0.09775 = 9.78%
The yield to maturity represents the total rate of return that an investor should receive if he/she holds a bond until it matures.
Which loan created a habit where the borrower kept coming back to request an extension?
Answers
Answer:
Extension proposals are not rare because of the buyer's perspective of bridging finance as well as the explanations for both the requirements can indeed be broad. The much more common explanations are.
Explanation:
It has required longer than planned to secure planning approvals. When a transaction has been negotiated, the borrower awaits an exchange of contracts. Additional resources as well as time are needed by the creditor to accomplish his project. Refurbishment analysis was suddenly postponed.Before actually refinancing the debt, the creditor waits for something like a new lender to conclude his thorough research. Throughout the final moment, the buyer of the creditor's property backs out, causing the borrower to bring the estate back into the marketplace. Throughout the last minute, the previous buyer refinancing the property backs out, obliging the creditor to find some mortgage company.It will be able to skip a set number of initial payments if you get a loan extension. Because of the buyer's perspective of bridging extension, finance proposals are common, and the explanations for both demands can be quite extensive.
Obtaining planning approvals has taken longer than anticipated.The borrower awaits the exchange of contracts after a transaction has been negotiated. The creditor will require additional money as well as time to complete his project.The investigation of refurbishment was abruptly postponed.The creditor waits for something like a new lender to finish his or her comprehensive research before refinancing the debt.The buyer of the creditor's property backs out at the last minute, forcing the borrower to relist the property on the market.The prior buyer refinancing the property backs out at the last minute, forcing the creditor to locate another mortgage provider.For more information related to borrower's habits on extension requests, refer to the link:
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who wanan be mark as brainiest
Answers
Answer:
meeee I think i can do it
Explanation:
plz
A system of exchange in which wealth exchanged for wealth is called a?
Answers
Uno dos one two e r
Chicken nuggets.
Answers
Answer:
i swim in points
Explanation:
bonqueque
Answer:
Explanation:
In three to four sentences, explain how wage discrimination results in unequal pay and how can this be corrected??!
Answers
Answer:
Well some people bosses of a business can discriminate people in many ways skin tone height anything honestly. It results in unequal pay because sometimes a boss will pay someone who has a specific skin tone more money then someone else who has the opposite skin tone. That's unequal pay and it can be corrected by making people aware of what there doing or protesting and boycotting the places that do this.
Answer:
Women are paid less because they have less potential in the eye of an employer. Although race or gender have nothing to do with work ethic, it takes a toll on minorities regardless. This can be corrected by paying employees based on the work they have done, rather than the work they might do.
Explanation:
guess my birthday and i’ll mark you brainiest . hint october
Answers
Um...october 22nd ?
i hope this is it lol
Answer:
october 1-31st
Explanation:
no need to thank me
Diseconomies of scale means that a company is too small to purchase in bulk and is unable to lower costs.
True
False
Answers
Answer:
Diseconomies of scale are when production output increases with rising marginal costs. ... Fixed costs do not change with increases/decreases in units of production volume, while variable costs are solely dependent, which results in reduced profitability. They show how well a company utilizes its assets to produce profit.
Explanation:
It's true.
Explanation: It is True.
Identify which account would be debited and credited to record each transaction occurred at Forever Green Lawn Service. The first transaction has been completed as an example. Transactions Debit Credit Ex. Issued a check for monthly rent. Rent Expense Cash 1. Purchased supplies on account. Supplies Accounts Payable 2. Purchased new equipment, issuing a check for a down payment, with balance due in thirty days. Equipment Cash, Accounts Payable 3. Provided services on account. Accounts Receivable Fees Income 4. Purchase supplies for cash. Supplies Cash 5. Issued a check to pay a creditor on account. Accounts Payable Cash 6. Collected payment from credit customer. Cash Accounts Receivable 7. Issued checks to pay employees their monthly salaries. Salaries Expense Cash 8. Performed services for cash. Accounts Receivable Fees Income 9. Received cash for damaged supplies returned. Cash Supplies 10. Issued a check to pay the telephone bill.
Answers
Answer:
Forever Green Lawn Service
1. Purchased supplies on account.
Supplies Debit
Accounts Payable Credit
2. Purchased new equipment, issuing a check for a down payment, with balance due in thirty days.
Equipment Debit
Cash, Accounts Payable Credit
3. Provided services on account.
Accounts Receivable Debit
Fees Income Credit
4. Purchase supplies for cash.
Supplies Debit
Cash Credit
5. Issued a check to pay a creditor on account.
Accounts Payable Debit
Cash Credit
6. Collected payment from credit customer.
Cash Debit
Accounts Receivable Credit
7. Issued checks to pay employees their monthly salaries.
Salaries Expense Debit
Cash Credit
8. Performed services for cash.
Accounts Receivable Debit
Fees Income Credit
9. Received cash for damaged supplies returned.
Cash Debit
Supplies Credit
10. Issued a check to pay the telephone bill.
Telephone Expense Debit
Cash Credit
Explanation:
Every business transaction at Forever Green Lawn Service involves two or more accounts. One or two are debited or credited as the case may be. The general journal is used to record transactions as they occur while the general ledger records details about each account and summarizes the balances at the end of each accounting period into the trial balance. Accounting records are based on the double-entry system and follow the accounting equation of Assets = Liabilities + Equity.
Note that common skills are listed toward the top, and less common skills are listed toward the bottom. According to O*NET, what are common skills needed by Librarians? Check all that apply.
speaking
equipment selection
reading comprehension
operation and control
active listening
writing
Answers
Answer:
1,3,5,6
Explanation:
Answer:
(1) A. speaking
(3) C. reading comprehension
(5) E. active listening
(6) F. writing
Explanation: I'm looking at my answers right now and it shows check marks so I'm 100% correct.
Match the scenario to the organization/team responsible.
1. As a result of a tornado, many water pipes are broken and it is feared sewage is leaking into the drinking water.
A. CDC
2. As a result of an earthquake, many stores cannot sell food and it is feared some crops have been contaminated.
B. DHS
3. As a result of a disaster, it is determined the local resources cannot adequately address all the needs of a community.
C. FDA
Answers
Answer:
A. people were drinking contaminated water
Explanation:
Lee is preparing a presentation about the terrestrial planets. He creates the table below using the Drag option.
A 3 column table with 4 rows. Column 1 is labeled Planet with entries Mercury, Venus, Earth, Mars. Column 2 is labeled Mass (10 Superscript 24 Baseline kilograms) with 4 blank entries. Column 3 is labeled Diameter in kilometers with 4 blank entries.
Over how many squares did Lee drag his cursor horizontally to create the table?
Over how many squares did Lee drag his cursor vertically to create the table?
Answers
Gooday to you, the answer is 3 and 5. I could explain why, but if you really think about it its not that hard. Also, if it reassures you, I took the test for BOS in Edg 2020
Answer
The answer is 3 and 5.
Explanation:
Refer back to the original information. Blake has decided to add stadium blankets to his product line. He has found a supplier who will provide the blankets for $32, and he plans to sell them for $60. All other variable costs currently incurred for selling mascots will be incurred for selling blankets at the same rate. Additional fixed costs of $125 per month will be incurred. He believes he can sell one blanket for every four stuffed mascots. How many blankets and stuffed mascots will Blake need to sell each month in order to break even? Round all amounts to two decimal places.
Answers
Answer:
Blake must sell 80 blankets and 320 stuffed mascots in order to break even.
Explanation:
The question is incomplete, the accounts are missing, so I looked for them:
February March
Sales revenue $25,000 $37,500
Cost of goods sold 10,000 15,000
Gross profit 15,000 22,500
Rent expense 1,500 1,500
Wages expense 3,500 5,000
Shipping expense 1,100 1,650
Utilities expense 750 750
Advertising expense 1,000 1,400
Insurance expense 585 585
Operating income $6,565 $11,615
The income statement using the contribution margin format would be as follows:
Income Statement Year 1 Year 2
Sales revenue $25,000 $37,500
Variable costs:
Cost of goods sold $10,000 $15,000 Wages expense* $3,000 $4,500 Shipping expense $1,100 $1,650 Advertising expense* $800 $1,200Contribution margin $10,100 $15,150
Period costs:
Wages expense* $500 $500 Advertising expense* $200 $200 Rent expense $1,500 $1,500 Insurance expense $585 $585 Utilities expense $750 $750Net income $6,565 $11,615
*high low cost method for wages expense and advertisement expense:
variable wages expense = ($5,000 - $3,500) / (3,000 - 2,000) = $1.50 per unit
fixed wages expense = $5,000 - (3,000 x $1.50) = $500
variable advertising expense = ($1,400 - $1,000) / (3,000 - 2,000) = $0.40 per unit
fixed advertising expense = $1,400 - (3,000 x $0.40) = $200
contribution margin per stuffed mascot = $15,150 / 3,000 = $5.05 per unit
contribution margin per blanket = $60 - ($32 + $1.50 + $0.55 + $0.40) = $25.55
sales ratio 1 blanket : 4 mascots
weighted contribution margin = ($25.55 x 20%) + ($5.05 x 80%) = $5.11 + $4.04 = $9.15
total fixed costs = $3,535 + $125 = $3,660
break even number in units = $3,660 / $9.15 = 400 units
Blake must sell 80 blankets and 320 stuffed mascots in order to break even.
Take a critical and analytical (objective) look at your life. Think about your wants and needs. In two separate columns, list your top ten wants and your top ten needs. For each one, give a one-sentence explanation as to why it is a want or a need.
- I can't think of object types of things that I need.
Here's what I have so far:
Car:
I’m getting my license soon and I need to buy a car.
New fabric/sewing supplies:
I’m starting to make custom clothes for people to make money and I need money for all of my need/wants.
Need to buy food for all of my pets:
If they don’t eat they’ll die, so I feel that is a dire need.
I have to buy new clothes for my interview:
If I go in looking like a scrub they might not hire me and again I need money to just live.
Answers
Answer:
Food is need but having fast food from expensive restaurants is want.
Car is considered as a luxury its is a want, travelling from bus is a need.
Having small studio apartment to live is need but buying expensive villa is want.
Buying new clothes is need when old clothes are torn.
Shopping from grocery stores is need, shopping from malls is want.
buying branded shoes is want but having normal shoes are need.
Explanation:
These is difference between human needs and wants. A person may want so many luxuries in life but actually he can survive without buying it. Needs are the things without which survival of a person is risk.
2. The presence of competition in free markets:
a. Is undesirable because it results in unnecessary duplication of efforts
b. Usually results in better quality and lower prices
c. is rare, since most markets eventually evolve into monopolies
d. is undesirable, because one big firm can usually produce goods more efficiently
than a large number of small firms
Answers
Answer:
b. Usually results in better quality and lower prices
Explanation:
Competition in the markets refers to the rivalry among businesses selling similar products to the same customers. Each business tries to find the best tactics to win more customers, make more revenues, or acquire a larger market share.
In a free-market economy, there are no restrictions on the number of businesses in an industry. The market will usually have many buyers and sellers. The sellers have to be creative and innovative to win more customers in a competitive environment. They develop and improve their products to gain a competitive advantage. In the end, consumers benefit due to the availability of a variety of quality goods at reasonable prices.
I need help with this
Answers
Answer:
B. Someone new contributes money to the company, becoming an owner.
Explanation:
Common stocks or shares represent a portion of the company. Ownership of a share means owning a part of the company. Shares are also known as equity.
A company issues common stocks when it wants to raise additional capital. Anyone buying shares is contributing capital to the business. They become owners of the business or shareholders as popularly known. They are issued with share certificates and are entitled to dividends.
Drew a bill upon Raman amounting to Rs 25000 and he accepted the bill.
Journal entry
Answers
Answer:
left hand side; SALE
RIGHT HAND SIDE: 25000
Explanation: