It will take Kelly and Tim approximately 30 months to cover the $1,670 closing costs of refinancing their mortgage, based on their savings of $56 per month.
Explanation:Kelly and Tim Jarowski plan to refinance their mortgage to get a lower interest rate and reduce their mortgage payments by $56 a month. Their closing costs for refinancing are $1,670. To determine how long it will take them to cover the cost of refinancing, we divide the total closing costs by their monthly savings.
The calculation is as follows:
Total closing costs for refinancing: $1,670Monthly savings from reduced payments: $56Number of months to cover refinancing costs: $1,670 ÷ $56When we do the math, we get:
$1,670 ÷ $56 = 29.82 months.
Rounding to the nearest whole number, it will take Kelly and Tim approximately 30 months to cover the cost of refinancing their mortgage.
Consider this argument: "if the price quote from college insignias is lower than the price quote from university logos, then we will get the t-shirts for our acs relay for life team printed at college insignias. the price quote from college insignias is lower than the price quote from university logos. therefore, we will get the t-shirts for our acs relay for life team printed at college insignias." that argument is an example of __________.
The argument is an example of a valid deductive inference known as modus ponens, where the conclusion is guaranteed to be true if the premises are true.
Explanation:The argument presented in the student's question is an example of a valid deductive inference. This type of reasoning involves drawing a conclusion based on premises that logically follow one another. If the premises are true, the conclusion must also be true. In this case, the premises are: 1) If the price quote from College Insignias is lower than the price quote from University Logos, the t-shirts will be printed at College Insignias, and 2) The price quote from College Insignias is lower. Based on these premises, the conclusion drawn is that the t-shirts will be printed at College Insignias. This is a modus ponens argument form, which is a common form of deductive argument where the conclusion is guaranteed if the premises are both true.
Which of these expressions should an american businessperson avoid in a meeting with foreign business representatives?
What is the major source of revenue for most state governments?
A: Sales and individual income taxes.
B: Property and gasoline taxes.
C: Alcohol and tobacco taxes
D: Business income and licensing taxes.
Answer:
A: Sales and individual income taxes.
Explanation:
States collect taxes from individuals and organizations to maintain the state government operation and public services and they are different in each state as the states define their tax system. State governments collect taxes from 3 major sources that are sales, income and property taxes. According to this, the answer is that the major source of revenue for most state governments is sales and individual income taxes.
Why are the average heights and weights of children in early childhood in developing countries considerably lower than developed countries?
Reductions in the variance of risk in a portfolio of stocks can only be accomplished when the the correlation among the stocks is:
A variance of risk in a portfolio of stocks can be reduced when the correlation among the stocks or two stocks is negative. In reality, perfect negative correlation is difficult to attain (if not impossible). A company must split its assets or attempt to find several assets that respond to different forces in the economy. When one asset is losing, there’s a good chance that the other one is gaining.
The reductions in the variance of risk can only be completed when the moves are negatively correlated.
Further Explanation:
Risk in the portfolio:
The stocks involve both systematic risk and unsystematic risk, but only unsystematic risk is diversified. The diversification refers to the procedure of combining different kinds of securities in the portfolio to reduce the risk.
The correlation is used to determine the relationship between two securities in the portfolio. The link between the correlation and diversification is as follows:
Negative correlation: If the two stocks are negatively correlated means that both the stock will move in the opposite direction.
Positive Correlation: If the two stocks are positively correlated means that both the stock will move in the same direction.
Uncorrelated: If the two stocks are uncorrelated means that each stock move independently of the other stock.
Therefore, if the stocks are negatively correlated, the risk of the portfolio can be reduced because both the stocks move in the opposite direction.
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Answer details:
Grade: High School
Subject: Security Analysis and Portfolio Management
Chapter: Risk Analysis
Keywords: Reductions in the variance of risk in a portfolio of stocks, can only be accomplished when the correlation among the stocks, risk analysis, negative correlation, positive correlation.
Once john learned of sara's past history of being an abuse victim, he began to perceive her cautious behavior around men as more self-protective rather than rude. this best illustrates the impact of:
John received a rough draft of a project outline that he wasn't satisfied with. Which method should he use to convey non-positive feedback?
A. Email
B. Face-to-face
C. Fax
D. Memorandum
John received a rough draft of a project outline that he wasn't satisfied with. Fax, is method should he use to convey non-positive feedback. Thus, option (c) is correct.
Fax because is method is send away of a written physical entity that is analysed which is sent directly to an someone in means of not having to receive any non-positive natural process at all as this does not require any reply from the receiving system.
Fax is better option in comparison to another option such as email, face-to-face, and memorandum, social media. It was the better option to send message with the help of letter to take easy to answer the bill of exchange.
As a result, the significance of the method should he use to convey non-positive feedback are the aforementioned. Therefore, option (c) is correct.
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Answer:
It's B
Explanation:
Using an adjustable wrench can save time when you are working with _____.
If a prospective home buyer simply changes his or her mind after putting up earnest money, he or she usually forfeits the money.
a. True
b. False
which of the following is an example of someone using a cost benefit analysis to make a decision?
A: Bill sees a jacket he likes in a shop window, so he buys it.
B: Janice buys a new laptop computer. It is expensive but she has decided that it is worth buying because she needs it for school.
C: Mai decided to buy a new video game because she is really excited about playing it.
D: Lanh buys a nice dinner at a restaurant. Later he realizes that he has overdrawn his bank account.
(B) Janice buys a new laptop computer. It is expensive but she has decided that it is worth buying because she needs it for school.
Cost-benefit analysis:Cost-benefit analysis (CBA), also known as benefit-cost analysis or cost-benefit analysis, is a methodical strategy for determining the advantages and disadvantages of various options. It is used to choose solutions that will maximize savings while achieving benefits in areas including transactions, activities, and functional business requirements. A CBA can be used to assess current and possible courses of action, as well as to calculate or compare a decision's value to its cost. It is frequently used to assess commercial deals, project investments, and judgments about business or policy (especially public policy). For instance, before enacting laws or dereglementing existing ones, the U.S. Securities and Exchange Commission must perform cost-benefit studies.Therefore, the correct example of someone using a cost-benefit analysis to make s decision is (B) Janice buys a new laptop computer. It is expensive but she has decided that it is worth buying because she needs it for school.
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Todd, who graduated with a degree in history, has prolonged, relevant experience and significant on- the-job training as a real estate agent. you want to buy a condo and so you consider asking todd to be your agent. this will be the first time you ever bought real estate. todd agrees to represent you and then shows you three condos in your price range. although he does not tell you this, todd owns two of the three himself. in this situation is todd an expert whom you would be wise to trust to give you advice and information about buying a condo?
It would be wise to trust Todd to give advice about buying a condo, but be aware of potential conflicts of interest due to his ownership of two of the condos.
Explanation:Todd, who graduated with a degree in history, has relevant experience and on-the-job training as a real estate agent. Considering his qualifications, it would be wise to trust him to provide advice and information about buying a condo. However, it is important to note that Todd owns two out of the three condos he is showing you, which may present a conflict of interest.
As an expert, Todd can offer valuable insights into the real estate market, provide guidance on the buying process, and help you navigate through potential pitfalls. However, it is essential to ensure there is transparency and open communication regarding Todd's ownership of the condos. This will help you make informed decisions while considering all potential biases.
What is the change due if $5.01 is tendered for a charge of $4.21?
A.1.80
B.0.80
C.0.20
Answer:
Option B
Explanation:
Change due is a technical term used in the business which means the extra amount of payment made by a consumer for a product or service compared with their stipulated prices. The consumer should be given back the money that is equal to the change due.
Hence, the change due of $5.01 tendered for a charge of $4.21 is
$5.01 - $4.21 = $ 0.80
Since 1960, when the central american beef market began booming, over 25% of the rainforests have been cleared for cattle grazing.
a. True
b. False
Since 1960, when the central american beef market began booming, over 25% of the rainforests have been cleared for cattle grazing. - a. True
The statement in the question indicates that since the year 1960, over 25% of the total rainforests have been cleared for cattle grazing, particularly in Central America. Given that deforestation for cattle ranching and farming greatly contributes to the environmental destruction of rainforests, this statement would be true.
In addition to this, research also points out that cattle ranching is indeed a major driver of deforestation in South American countries, with international demand and government policies playing significant roles in this process. Additionally, deforestation contributes to a buildup of greenhouse gases like CO2 and methane, which exacerbate global warming issues
Marques owes 32 more payments on a loan that was originally a $20,000 5-year 6% apr loan with monthly payments. how much is his outstanding principal balance?
In order to disaffirm a contract, a minor must _____.
Although passion is needed to run a busniess, it must be tempered with logical and rationality a business plan does this by
Which form of mass media was developed from a defense department project?
Answer:
the internet was developed from a defense department project
The Advanced Research Projects Agency (ARPA) of the US Department of Defense created the ARPANET. This form of mass media was developed.
What do you mean by the defense department project?The Department of Defense provides the armed forces required to prevent conflict and safeguard American security. The DoD, or Department of Defense, of the United States.
America's largest federal organization is the Department of Defense. Our military has roots that date back to before the American Revolution, and the department has developed and grown with our country. Our goal is to provide the military resources required to prevent war and maintain the security of our country.
When the Computer Science Network was sponsored by the National Science Foundation (NSF) in 1981, access to the ARPANET was increased (CSNET).
Therefore, the Advanced Research Projects Agency (ARPA) of the US Department of Defense created the ARPANET. This form of mass media was developed.
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terrorism suspects do not have to be read miranda rights
True or false?
The fund whose main objective is growth is known as a(n) _____ fund.
What must be done prior to making forcible entry into a fire building?
The three primary areas of our lives that should be in balance are
The tragedy of the commons occurs because
a. people consider the value of resources in the future more than in the present.
b. markets do not account for the presence of property rights.
c. common resources are rival in consumption.
d. government does not efficiently allocate society's scarce resources.
what takes place during pre-planning?
Pre-planning includes preparing concepts, coordinating design and technical elements during rehearsals, and ensuring all creative parties are aligned. This phase is vital in theatre production for bringing a concept to life and in writing for idea generation and organization. Clear timelines and team coordination are also crucial for successful project implementation.
Explanation:Pre-planning is an integral part of the creative process in various fields, including the arts and project management. During this phase, comprehensive preparation takes place, which includes the development of concepts, outlining logistical details, and coordinating the integration of different aspects of a project. In the context of theatre production, for instance, the director shifts focus from the actors to the entire production ensemble during technical rehearsals. This period is crucial for making necessary adjustments to the design and technical elements that have been discussed in previous production meetings. It's essential for the director and designers to collaborate, fine-tune details, and ensure that the concept, once only on paper, comes to life harmoniously with all its moving parts, defending against any unforeseen situations.
Meanwhile, in the realm of writing, prewriting activities, such as reflection and brainstorming, are fundamental to generating ideas. These activities form the bedrock of planning, helping writers organize their thoughts and proceed systematically through the writing process. Similarly, in project implementation, clear timelines and the alignment of team members' schedules are vital for managing the workflow and ensuring the success of new programs.
The policing strategy that utilizes data analysis to drive decision-making in order to prevent crime is known as:
A voluntary tricare health maintenance organization type of option is known as
Oh no! someone stole your credit card and charged $2,500 worth of purchases before you even knew the card was missing. how much of the unauthorized charges can you be required to pay?
50 dollars back simple.
Suppose that sally j. society recently lost her job as an underwater welder. in looking for a new job, she discovers that the only available jobs are for economists and that there are no openings for underwater welders because the trade is now obsolete. if sally j. society decides to return to school to earn an economics degree, what is the best classification of her unemployment status?
a. cyclically unemployed
b. seasonally unemployed
c. structurally unemployed
d. frictionally unemployed
Sherman's strategy of destroying the enemy's resources and morale is known as "__________."
The answer is total war.
Mike sells navel oranges in a market where there are a lot of other sellers and faces a perfectly elastic demand curve for oranges. he hires 10 workers in a perfectly competitive market to help him with picking oranges. given this information, it can be said that:
The median family income in the united states in 2014 was approximately __________.