Credit unions are naturally A. member-owned financial cooperatives, and not mortgage lenders, special commercial lenders, or large institutions comparable with commercial banks.
How are credit unions different from other financial institutions?Unlike other financial institutions, credit unions operate as non-profit financial institutions with low-interest rates.
Other financial institutions include:
Central banks (e.g. the Federal Reserve)Retail and commercial banksInternet banksMortgage banksSavings, and loans.Thus, Credit unions are naturally A. member-owned financial cooperatives.
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Scenario 3: Your first semester of college, you take out a small loan to help pay for books. Despite being busy, you get a part time job. Although you don't have to pay your loan back until you graduate, you've saved enough by the end of the semester and you will pay off the loan in full. Does your credit score go up or down? Why does it go up or down? If your score goes down, how can you fix it?
A credit score rating is based on a credit score report, statistics usually sourced from credit score bureaus.
What is a credit score?A credit score rating is a numerical expression primarily based totally on a degree evaluation of a person's credit score files, to symbolize the creditworthiness of an individual.
As per the information,
1. The loan taken here is an unsecured loan, therefore, the early payment of the loan will increase the credit card score.
2. In this case, the credit card score will go up as pre-payment of small and unsecured will have a positive impact on the credit card score. The score goes up and down based on your credit card purchase behavior.
3. If the credit card score goes down, it can be fixed by maintaining a healthy credit card utilization ratio.
hence, in this way, the credit card score issues can be resolved.
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U
Drag each label to the correct location on the image.
Match the descriptions to the possibility of being addressed by a Trial Balance.
can detect the accuracy
of the accounting process
can help prepare the
income statement
can help check whether a
particular transaction has
been completely omitted
helps serve as a proof of
the application of the
double-entry system
Possible
can help check whether the
debit side is equal to the
credit side
Not Possible
The descriptions to cases that will possibility be addressed by a Trial Balance are:
can detect the accuracy of the accounting process(possible)can help check whether the debit side is equal to the credit side(possible)can help prepare the income statement(possible)helps serve as a proof of the application of the double-entry system(not possible)can help check whether a particular transaction has been completely omitted(not possible)What is trial balance?A trial balance can be regarded as bookkeeping worksheet which contains the ledger that is arranged into debit and credit account column .
Therefore, with trial balance, one can check whether the debit side is equal to the credit side.
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How would you manage the school if you are the headmaster?
Answer:
i wouldn't manage
Explanation:
The modern enterprises reported all assets in the accounts at current market value. This action is a violation of:
This action is a violation of Cost Principle or Historical Cost Concept.
What is Historical Cost Concept?The historical cost principle states that a company or business must account for and record all assets at the original cost or purchase price on their balance sheet and not at its market price.
The historical cost principle forms the foundation for an ongoing trade-off between usefulness and reliability of an asset.
Thus, if the modern enterprises reported all assets in the accounts at current market value. This action is a violation of Cost Principle or Historical Cost Concept.
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As a project manager, the project is your number one priority. However, you have team members with competing priorities from other projects. You want to influence them to make your project their priority. To do this, you bridge the high-level goals of the project and the day-to-day perspective of the team. You collaborate to find an outcome that works for everyone. What interpersonal skill did you mainly use in this scenario
As per the given scenario, the interpersonal skill that should be used is negotiating effectively.
Who is a project manager?A project manager refers to the person who is in overall charge of the planning and execution of a particular project.
As a project manager, the project is on number one priority. The interpersonal skill that is mainly used in this scenario is negotiating effectively.
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10 C What is the effect of education on employment?
The effect of education on Employment is that it increases the employment rate and reduces unemployment
Effect of Education on EmploymentWith proper education, individuals can get the skills needed to to employed as skilled labor and earn a decent amount of money as a salary.
Without education, most people become unemployed and at best even get a job that is not enough to take care of them.
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Samantha is part of a project management team working on the initiation phase of a project. What is her team expected to do in this phase? In the initiation phase, Samantha’s team needs to clarify the project’s and justify it.\]\\
Answer:
The Initiation Phase is the stage of the project lifecycle in which the project proposal is conceived, assessed, and then approved for implementation by the Project Sponsor and the Vice Chancellor/Chief Information Officer. A formal project discovery process documents and reviews the project justification, important deliverables, risks, projected cost and resource needs, and other project information.
The team is supposed to agree on a project vision, set primary targets, and justify the initiative. Examine project charters, project change procedures, and past project experience gained; determine all project stakeholders and define service/product owners, project team member roles and duties, resources needed, cost estimates, and a general schedule. By developing the project charter and receiving Project Sponsor agreement to proceed with detailed planning.
How long do you have to be employed to buy a house.
Employers include __________ plan coverage in fringe benefit programs to retain high-quality employees and ensure productivity by providing preventive medical care to create a healthy workforce.
Employers include" Group health" plan coverage in fringe benefit programs to retain high-quality employees and ensure productivity by providing preventive medical care to create a healthy workforce.
What do you mean by fringe benefit program?
The fringe benefit program include health insurance, worker's compensations, retirement benefits and medical leave.
As a company it's the duty of owner and management to take care of their employees health.
It is very common to say that health is wealth. Therefore, it is mandatory in every company to cover all the health benefits for better growth.
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When a product reaches equilibrium price, then:
- The company will lose money
- The product will not sell
- The product will sell off the shelves
- The product will sell about 50%
Answer:
b the product will not sell
Long-term trends in global trade include(s): Group of answer choices regional trading blocks are becoming more popular despite tariffs falling more generally. regional trading blocks are becoming more popular as tariffs rise more generally. nations are accusing each other of dumping goods. in general, special interests within trading nations are better protected than ever.
The long-term trends in global trade include:
nations are accusing each other of dumping goodsspecial interests within trading nations are better protected than ever.What are long-term trends?These refers to long term practices that happens in global trade.
Generally, the trends includes many nations are accusing each other of dumping goods and special interests within trading nations are better protected than ever.
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Interview a business owner on the crisis experience in the workplace
Answer:
1. business cannot operate due to lack of productivity
2. The business might receive less profit due to damages goods
3. May lead to poverty and crime in society due to lack of income
What house designs are eco friendly?
Answer:
Cob.
Straw Bale. ...
Underground Homes. ...
Rammed Earth Construction. ...
Earth Sheltered Homes.
Solar Roofing. ...
Bamboo Flooring. ...
Cork Flooring.
Explanation:
hopes this helps
A mutual fund had NAV per share of $23.00 on January 1, 2016. On December 31 of the same year, the fund's NAV was $23.15. Income distributions were $0.63, and the fund had capital gain distributions of $1.26. Without considering taxes and transactions costs, what rate of return did an investor receive on the fund last year
The rate of return did an investor receive on the fund last year is : 8.87%.
Rate of returnUsing this formula
Rate of return=(Dec fund's NAV -Jan fund's NAV +Income distribution+Capital gain distribution)/Jan fund's NAV
Let plug in the formula
Rate of return = ($23.15 - $23.00 + $.63 + $1.26)/$23.00
Rate of return =$2.04/$23.00×100
Rate of return = 8.87%
Therefore the rate of return did an investor receive on the fund last year is : 8.87%.
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At the check-out counter in Market Street Grocery, there are energy bars that are high in protein placed in plain view at eye level on a shelf. When Viviana is at the check-out counter and sees the energy bars, she buys one because she feels that it is a healthy snack. Viviana's behavior is an example of a _______.
The fact that Viviana bought the energy bar at the check-out counter means that this was a Nudge.
What is a nudge?This is a strategy employed by stores to sell more goods by placing those goods at the checkout counter.
When a customer like Viviana is paying for the other things they bought, their eyes catch the displayed goods and buy them.
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Streaming media is a relatively new type of source compared to books and journal articles. What citation component is new
The citation component is the newest is the 7th edition APA Manual that was published in October 2019.
What is a citation component?An example of the citation component is the MLA citations.
The MLA citations follow a template of applicable core elements such as the author, title, container, contributors, version, number, publisher, date, location etc
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A research paper which has been turned in for credit is a final product. please select the best answer from the choices provided t f
It is a true statement that a research paper which has been turned in for credit is a final product.
What is a research paper?This means the document that entails all the research chapter on a research topic.
When it is presented for approval or credit, it is often a final product before the submission.
Therefore, it is a true statement.
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What impacts did the decentralization of the u.s. banking system during the free banking era have on the currency in the united states? select the two correct answers.
the purchasing power currencies issued by state banks varied wildly from state to state.
monetary reserves decreased.
the money supply declined.
the amount of loanable funds increased.
land was frequently purchased with counterfeit currency.
The impacts of the decentralization during the free banking era are :
( A ) The purchasing power currencies issued by state banks varied wildly from state to state.( C ) The money supply declined Impacts of free banking eraDuring the free banking era the banks did not survive for long as necessary as they were unable to redeem their notes as the purchasing power of currencies varies from state to state.
Hence we can conclude that the impacts of the decentralization during the free banking era are as listed above.
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Bobbie created a new piece of workout gear. although she couldn't initially find potential investors, she secured a personal loan and borrowed additional money from her parents. her drive to continue believing in her idea and to remain enthusiastic shows that bobbie is
Based on the given description of Bobbi and her unrelenting attitude, we can conclude that Bobbi is D. characteristically self-nurturing.
What is Business?This refers to the venture that involves the buying and selling of goods, with the primary aim of making a profit.
Hence, we can see that based on the fact that Bobbi has a new idea to make workout gear and she does not find investors, she persists and gets a business loan which shows that she is characteristically self-nurturing.
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Carolina went to Target to check the quality, sizing, and price of some branded clothes. But she found the same items at a cheaper price online and bought them online instead of getting them at Target. What is this practice called
The practice that's illustrated based on what Carolina did is showrooming.
What is showrooming?It should be noted that this is a practice of going to a store to check a product before going to somewhere else to buy something cheaper.
In this case, the practice that's illustrated based on what Carolina did is showrooming. Showrooming is a trend in shopping behavior where consumers visit stores to touch and feel the products but opt to purchase them online.
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How much do you need invested to live off dividends.
Answer:
Usually right between 100,000 and 600,000.
When organizing an Agile Release Train to optimize the flow of work and increase the delivery of value, which three DevOps practices are encouraged
The three devops that are encouraged in the agile release train are:
Visualize work in process and reduce batch sizes Perform System Demos Plan and rehearse failure response practicesWhat is the agile release train?This is used to refer to the agile teams that are known to continuously
developdeliver operate.They are known to operate one or more solutions of value in order to solve important problems.
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How much federal tax should be withheld from my paycheck?.
Answer:
It depends on the money you make and other variables.
which situation ONLY describes a purchase with a credit card?
A situation that will happen only with a credit card purchase is D) Mike took his mother out to eat. He handed the waitress a card to purchase the meal. This charge appeared on a bill he received two weeks later.
Which situation happens with a credit card purchase?When we purchase with a credit card, it means that we do not use cash and instead the money is deducted electronically from our card.
We will then see this purchase amount on a credit card bill that is sent after some time like Mike was.
Options for this question include:
A) Ally loves her card because it is convenient to use, and she doesn't have to carry cash.
B) Don pays for lunch with his card. Each time he uses this card his checking account decreases.
C) Nancy purchased a movie ticket with her card. The money came straight out of her checking account.
D) Mike took his mother out to eat. He handed the waitress a card to purchase the meal. This charge appeared on a bill he received two weeks later.
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The arguments supporting spontaneous generation were finally disproved by.
Louis Pasteur finally disproved the concept of the spontaneous generation together along with his well-known swan-neck flask experiment.
Who was Louis Pasteur?
Louis Pasteur ForMemRS changed into a French chemist and microbiologist famed for his discoveries of the standards of vaccination, microbial fermentation, and pasteurization.
This tested that sure germ debris withinside the air prompted the spoiling of the broth, disproving spontaneous era – a preceding main concept of sickness that claimed the air itself changed into to blame.
Therefore, Louis Pasteur finally disproved the concept of spontaneous generation together along with his well-known swan-neck flask experiment.
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To spur trade, four south african countries decide there will be no barriers to trade between the countries, agree on a common external trade policy, and allow factors of production to move freely between them. in short, the four countries formed a
Based on the fact that the four South African countries act in a way that allows for a common external trade policy, they established a b. Customs Union.
What is a Customs Union?This refers to an organization that comprises of various nations who decide to remove trade barriers with each other.
These nations will trade freely with each other, and will have a common trade policy with other nations outside the Customs Union.
Options for this question are:
a. Officient market.
b. common market.
c. command economy.
d. customs union.
e. free trade area.
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A group of customers that a business decides to focus its marketing efforts and, ultimately, its products on is a _____. target market niche industrial market consumer market
Answer:
Target market!!
Explanation:
Hope this helps:)
What type of segmentation categorizes consumers on the basis of the outcomes they hope to derive from a product or service
The benefit segmentation categorizes consumers based on the outcomes they hope to derive from a product or service.
What is market segmentation?Market Segmentation is the practice of dividing the target market into approachable groups.
The basic five forms of consumer market segmentation are demographic, geographic, psychographic, benefit and volume.
The type of segmentation that categorizes consumers based on the outcomes they hope to derive from a product or service is a benefit.
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__________is concerned with improving productivity and safety by designing workplaces, equipment, instruments, computers, workstations, and so on that take into account the physical capabilities of people.
Ergonomics is concerned with improving productivity and safety by designing workplaces, equipment, instruments, computers, workstations, and so on that take into account the physical capabilities of people.
What is ergonomics?Ergonomics can be regarded as one that focus on designing and arranging of things in a way that is safe.
Therefore , ergonomics involves interacting in most efficiently and safely way with improving productivity and safety by designing workplaces.
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Use the data in the tables to answer the question that follows. Market Price of Output Quantity Supplied of Output Quantity Demanded of Output $5 25,000 60,000 $10 50,000 50,000 $15 75,000 40,000 $20 100,000 30,000 $25 125,000 20,000 Firm Quantity of Labor Total Product 0 0 15 100 30 190 45 265 60 325 What is the marginal revenue product of the 30th unit of labor, assuming this market is perfectly competitive in both the factor and output markets
Based on the market price, the quantity of labor, and the change in output, the marginal revenue product of the 30th unit of labor is $56.70.
How can we find the marginal revenue product?First find the marginal product of labor as:
= (Change in units produced) / Change in labor quantity
= (190 - 105) / (30 - 15)
= 5.67 units
The market price is the price at which quantity demanded is equal to quantity supplied which is $10.
The marginal revenue product is:
= Marginal product of labor x Price
= 5.67 x 10
= $56.70
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