The approach to preparing financial statements based on recognizing revenues when they are earned and matching expenses to those revenues is Multiple Choice The revenue recognition principle Accrual basis accounting Cash basis accounting Nort

The closing cost items which require RESPA disclosure are Loan origination fees, Appraisal fees, Credit report fees, Title search and title insurance fees, Attorney fees, Recording fees, Survey fees, Transfer taxes and Prepaid interest.

When buying a home, there are many costs associated with closing the deal, such as fees for appraisals, title searches, and insurance. The Real Estate Settlement Procedures Act (RESPA) is a federal law that requires lenders to provide homebuyers with disclosures regarding the closing costs associated with a mortgage loan.

The Real Estate Settlement Procedures Act (RESPA) is a federal law that regulates the process of closing a mortgage loan. One of the primary requirements of RESPA is that lenders must provide borrowers with a Good Faith Estimate (GFE) of the closing costs associated with the loan.

The GFE provides an estimate of the fees and charges associated with the loan and must be provided to the borrower within three business days of the loan application.

The RESPA also requires lenders to provide borrowers with a HUD-1 Settlement Statement, which is a detailed listing of all the closing costs associated with the mortgage loan. The HUD-1 Settlement Statement must be provided to the borrower at least 24 hours before closing.

The following are some of the closing cost items that require RESPA disclosure:

There are also some closing cost items that are not required to be disclosed under RESPA, including:

The forms that these disclosures can take include the Good Faith Estimate (GFE), which provides an estimate of the fees and charges associated with the loan, and the HUD-1 Settlement Statement, which provides a detailed listing of all the closing costs associated with the mortgage loan.

In 2015, the RESPA disclosures were updated to create the Loan Estimate and the Closing Disclosure forms. The Loan Estimate is given to borrowers within three business days of applying for a loan, and it provides an estimate of the fees and charges associated with the loan.

The Closing Disclosure is given to borrowers at least three business days before the loan closing, and it provides a detailed listing of all the closing costs associated with the mortgage loan.

In conclusion, the Real Estate Settlement Procedures Act (RESPA) requires lenders to provide borrowers with disclosures of the closing costs associated with a mortgage loan. The disclosure requirements include the Good Faith Estimate (GFE) and the HUD-1 Settlement Statement, which list the fees and charges associated with the loan.

The Loan Estimate and Closing Disclosure forms were introduced in 2015 and provide more detailed and streamlined information to borrowers. Certain closing cost items are excluded from disclosure under RESPA, including homeowner's insurance premiums, property taxes, and private mortgage insurance (PMI) premiums.

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Answer:

cash is one example of a physical capital

When making decisions, managers are often faced with a conflict between what is beneficial for the firm in the short-term and what is beneficial for both the firm and society in the long-term.

This conflict arises because the actions that benefit the firm in the short-term may not necessarily align with the interests of society as a whole, which can lead to negative consequences for both the company and society in the long-term.

To address this conflict, a firm must adopt a long-term orientation and consider the broader social and environmental impacts of its decisions. This means looking beyond immediate financial gains and recognizing that actions taken today can have far-reaching implications for the company's reputation, customer loyalty, employee morale, and overall sustainability.

Firms that prioritize social responsibility and sustainable business practices are more likely to build strong relationships with stakeholders, including customers, employees, investors, and regulators. They are also better equipped to weather economic downturns and other disruptions, as they have diversified their risk and invested in building resilient supply chains and communities.

Ultimately, the key to addressing the conflict between short-term gains and long-term benefits is a commitment to corporate social responsibility (CSR) and sustainable business practices. By prioritizing the needs of society and the environment alongside those of shareholders, firms can create value for all stakeholders over the long-term, ensuring their continued success and impact.

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The opportunity cost is constant while the output of various items changes if the PPF curve has a straight shape.

A production-possibility frontier (PPF), production possibility curve (PPC), or production possibility boundary (PPB) in microeconomics is a graphical representation of all the possible outputs for two goods that can be produced using all factors of production, assuming that the resources are used fully and efficiently for each unit of time.

The opportunity cost (or marginal rate of transformation), productive efficiency, and resource scarcity are just a few of the economic ideas that a PPF highlights (the fundamental economic problem that all societies face).

This compromise must be made by every individual, household, and economic unit; yet, economies typically must make the same compromise. Less of them are generated since only by using resources from other goods can one good be produced.

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Answer: When a customer doesn't have an idea of the priced product they want it is best to present to them a medium priced product, then begin adjustment of either going up or down based on their response.

Explanation:

Pricing in business can result to various outcome, because you are in bid to make the client buy the product, there occasions where you might state a high price and they buy and some other case they don't and they are case where you state a low price,they buy and you get affected by some loss. When a customer doesn't have an idea of the priced product they want it is best to present to them a medium priced product, then begin adjustment of either going up or down based on their response.

Answer:

Business correspondence means the exchange of information in a written format for the process of business activities. Business correspondence can take place between organizations, within organizations or between the customers and the organization. The correspondence refers to the written communication between persons

i think "do you enjoy music"

S&L members do not have voting rights is a false statement.

A savings and loan association (S&L), or thrift institution, exists as a financial organization that specializes in accepting savings deposits and creating mortgages and other loans.

S&Ls place a stronger focus on residential mortgages, whereas commercial banks tend to focus on working with large companies and on unsecured credit services (such as credit cards). Commercial banks can be chartered at either the condition or federal level. The same stands true for S&Ls.

The terms "S&L" or "thrift" are primarily utilized in the United States; equivalent institutions in the United Kingdom, Ireland, and some Commonwealth countries contain building societies and trustee savings banks. They exist often mutually owned (often named mutual savings banks), indicating that the depositors and borrowers exist as members with voting rights, and can direct the financial and managerial purposes of the association like the members of a credit union or the policyholders of a mutual insurance company.

While it exists possible for an S&L to be a joint-stock company, and even publicly traded, in such instances, it exists no longer a mutual association, and depositors and borrowers no longer maintain membership rights and managerial authority. By law, thrifts can have no more than 20 percent of their lending in commercial loans—their emphasis on the mortgage and consumer loans creates them specifically vulnerable to housing downturns such as the deep one the U.S. experienced in 2007.

Hence, S&L members do not have voting rights is a false statement.

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Answer:

Technology.

Explanation:

As the definition is seen above, these qualities are directed towards technology. Technology has advanced produce and sales of goods and services a lot. It shows itself in fastening and making production easier. And also in different other forms that come as advertising, E-commerce, communication etc. Orders of certain goods are been sent thousands miles away from the producing country and are seen to be received safe and sound at the other end of the purchase country. Also adverts can be seen of a Chinese product in far away Africa through television commercials and also internet.

Opportunity cost is the value of your second choice, or whatever you give up to get something

Taylor gives up either the video games or the funny videos. So you can choose either one

The disadvantage of choosing a job that is very popular or a job that is in high demand is that after a while such a job may become saturated or it would become monotonous.

This is the term that is used to refer to a job that the people that wpould employ labor are constantly in need of. Such a job is one that would require the people that have the qualification to opt in and get the places and the roles that they are to fill.

The issues that may arise from such a job that is in high demand is that after a period, such a job may have a lot of persons that would want to fulfil the role.

The number of qualified persons may become more than the job that is available for the people to do in the long run.

Hence this is a disadvantage. Therefore I would conclude by saying that the disadvantage of choosing a highly popular job is that the number of persons that are willing to fulfil the role may exceed the job overtime.

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Answer:

There are two main types of municipal bonds: general obligation bonds and revenue bonds. Like Treasuries, GOs are backed by the issuer's taxing power. Revenue bonds, on the other hand, are repaid from a specified revenue stream.

Answer:

their is saving bonds and corporate bonds.

Explanation:

Bonds and other fixed-income investments play an important role in any investment portfolio, especially as you get closer to retirement. Learn the basics of bonds and their prices and yields, and find out how to incorporate them into your investment plan via bond funds, ETFs, and more.

"Advantages and disadvantages of bonds." The first panel reads: "Advantages: receive income through the interest payments.

Assessing the effectiveness of an advertising campaign while it is running by monitoring key indicators is referred to as. pulsing.

To assess the level of effectiveness in comparison to your initial targets, post testing should be done after the campaign has been run. The usage rate, sales data statistical analysis, attitude or image changes, and any usage changes are some common metrics evaluated in post testing.

A marketing metric known as return on ad spend (ROAS) calculates the amount of money made for each dollar spent on advertising. The ROI of money spent on digital advertising is measured by ROAS, which is similar to return on investment (ROI).

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Answer:

Explanation:

a. What was the gross pay for regular hours?

This will be the regular pay multiplied by the regular hours. This will be:

= $12.50 × 40

= $500

b) What was Cody’s overtime wages?

Cody's overtime wages will be the total amount earned during overtime. This will be:

= [10 × ($12.50 × 1.5)] + [ 9 × ($12.50 × 2)]

= (10 × $18.75) + (9 × $25)

= $187.50 + $225.

= $412.50

c) What was Cody’s total gross pay for the week?

The total gross pay for the week will be the addition of the amount that was earned during regular hours and overtime. This will be:

= $500 + $412.50

= $912.50

Answer:

A permanent office is also known as the long term office. It is established for the production and distribution of goods and services over a long period of time.

Explanation:

Answer:

The correct answer to the following question will be Option A (money collected through product sales).

Explanation:

The other given choices are not related to the given circumstances. So that Option A would be the right answer.

Answer:

sdadasd

Explanation:

Answer:

hi hi i hope you have a great day and take care of yourself

Stephanie can maintain her relationship with her supervisor by communicating, taking down notes, speaking about goals, asking for feedback, maintaining a positive work ethic, and taking initiative.  

An effective supervisor needs to possess a certain set of skills. They should be confident leaders who can successfully motivate their teams.

A good supervisor can help a company retain more talent and create a better work environment for employees of all levels. Some of the skills are written and verbal communication, decision-making, interpersonal skills, and adaptability.    

A good supervisor also must know about time management, mentorship and cooperation.  

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Explanation:

1. Unequal terms: Trade agreements could potentially create an unfair balance of power between two entities, allowing one country or party to benefit while the other is left with unfavorable terms.

2. Exploitation: Trade agreements could be manipulated to allow countries or entities to exploit resources or labor in the other countries in exchange for unfair terms.

3. Job Loss: Trade agreements can lead to job losses in countries that are unable to compete globally due to their industry not being competitive enough. This can create economic instability in countries as well as social unrest.

4. Impacts on Local Communities: Trade agreements can lead to adverse impacts on local communities, such as displacement from their traditional lands, decreased access to natural resources, or ecological destruction.

5. Risk of Dumping: Dumping is the practice of exporting products at very low prices to create an unfairly competitive market for other countries, potentially resulting in major losses for countries that cannot compete. This practice is often seen in trade agreements.

The current price of a $1,000 par value bond maturing in 12 years with a coupon rate of 14%, paid semiannually, and a YTM of 13% is $1,899.31.

The price of bonds can be computed using the present value formula of all future cash flows.

The present value table can also be used.  Here, we have used the present value calculator from an online finance calculator, as below.

N (# of periods) = 24 (12 x 2)

I/Y (Interest per year) = 13%

PMT (Periodic Payment) = $140

FV (Future Value) = $1,000

Results:

PV = $1,899.31

Sum of all periodic payments = $3,360 ($140 x 24)

Total Interest $2,460.69

Thus, the current price of a $1,000 par value bond maturing in 12 years with a coupon rate of 14%, paid semiannually, and a YTM of 13% is $1,899.31.

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To persuade the operations manager that using temporary workers would be a better strategy, the HR business partner could highlight the following points:

Cost-effectiveness: Temporary workers are typically less expensive to hire and maintain compared to full-time employees. This would provide a cost-effective solution to manage the temporary surge in workload.

Flexibility: Temporary workers can be hired for specific projects or periods based on the business needs. Once the workload decreases, the organization can easily reduce their hours or terminate their contracts.

Reduced administrative burden: Hiring temporary workers reduces the administrative burden on the organization in terms of benefits administration, payroll, and taxes.

Higher productivity: Temporary workers are usually more productive since they are focused on specific tasks and are motivated to complete them quickly to maximize their earnings.

By highlighting these points, the HR business partner can convince the operations manager that hiring temporary workers is a better strategy than hiring additional full-time employees, which would be more expensive and burdensome to the organization in the long run.

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Answer: :)

Explanation:

Edge 2020

A business organization is termed as an organization that works for the accomplishment of economic activities. Economic activities include the exchange of goods and services and maintaining the records of the transactions.

The match to type of organization:

Sole proprietorship: Is the most common form of business  organization in the United States.

Franchise: Requires a fee to be paid to a parent  company for a business plan.

Corporation: Can be the most complicated and the  most expensive type of organization.

Partnership: Includes two or more owners who are  liable for any business debt.

Cooperative: Is an organization in which member  owners market their products together.

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Answer:

- Protection of Labor Rights

- Co-surviving Public and Private Sectors

- Safeguarding of Consumer Rights

- Economic Planning

Explanation:

Don't know how many you're looking for, or what specifically, but those are a few that I've learned

Hope it helped

The confident handling of altima’s car is a features which aims to improve driver's experience while handling the car.

The features contribute to 2022 altima’s confident handling includes:

Therefore, the Option A, B, C and D is correct.

Missing option includes "Available Intelligent All-Wheel Drive, Available Intelligent Trace Control (I-TC), 4-wheel independent suspension, Dual-Pinion Electric Power Steering (DP-EPS), Timing-chain-driven camshafts"

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In this situation, You should tell your coworkers that you are unsure and that it is not yet official announced.

Co - workers.

Co workers refers a person with whom one works, typically someone in a similar role or at a similar level within an organization.

Given,

Here we have given that, you are an administrative assistant in the purchasing department. And another administrative assistant is getting married in three weeks. There is a rumor has it that after the wedding, she will not be returning, and two of your peers have come to you asking if it is true because they want to apply for her job. Now, you have not seen an official announcement, however, the assistant did tell you that she plans not to come back.

Here we need to find how you should handle this situation.

While we looking into the given question, we have identified the following,

There are 2 administrative assistant in your company.

One is you and another one is a girl and she get married in three weeks. And she also planned to resign after her marriage but this resignation is not officially confirmed.

So, in this situation, two of your peer interested for the position and asking you about the recruitment process.

Here you have to reply the co workers that the resignation is not conformed and if it is officially announced they you have the option to apply for that position.

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Answer:

below

Explanation:

the cleaning process and the money that is going to be lost.if a cruse ship gets cancelled the money rate will go down

By supporting Karen, co-workers and the employer are improving Karem's willingness to learn during her training, which is positive behavior that encourages and motivates the employee.

Training helps in the development of employees, makes them more motivated, creative and consequently productive, which is an essential advantage for companies to remain competitive and profitable.

Team behaviors also demonstrate an organizational culture favorable to collaboration, understanding and the development of employee skills and competencies.

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Answer:

A

Explanation:

Credit cards allow you to buy things even without the full funds.

Debit cards do not.