Peer-to-peer networks protect your personal and financial information just as a typical bank or online lender would, in terms of security.
Peer-to-peer lending: how does it operate?P2P lending uses online channels to establish direct communication between those looking to lend money and those looking to borrow money. As a result, you obtain financing from private investors who have registered on a P2P lending platform rather than a bank or credit union. Peer-to-peer networks protect your personal and financial information just as a typical bank or online lender would, in terms of security. They can be made to a person, business, or organization. Student loans, commercial and real estate loans, payday loans, secured company loans, leasing, and factoring are some more types of peer-to-peer lending.
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p, a citizen of state x, had an altercation with d, a citizen of state y. d was p's boss. d subsequently fired p. p maintains that d hit p first and that p was acting in self-defense. p commences an action in federal district court invoking the diversity jurisdiction. p claims $50,000 for damages based on an assault and battery claim and $27,000 as damages for an alleged breach of p's employment contract with d. for purposes of diversity jurisdiction, is the amount-in-controversy requirement met?
Yes, the amount-in-controversy requirement for purposes of diversity jurisdiction have been met.
When two requirements are satisfied, "diversity jurisdiction" under 28 U.S.C. 1332 exists in federal court. First, the sum in question must be greater than $75,000 in value. Second, each plaintiff and each defendant must have a separate nationality.
A defendant may file a notice of removal to transfer an action from state court to federal court where diversity jurisdiction is present. However, the jurisdiction of federal courts is restricted. Williamsport Area School District v. Bender, 475 U.S. 534, 541 (1986). Clear evidence rebutting a high presumption against federal court jurisdiction.
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rent controls in new york city cause which of the following: question 5 options: a) wasted resources resulting from the opportunity cost of time associated with trying to find an apartment. b) black markets. c) inefficiently low quality. d) all of the answers are correct.
Rent controls in Newyork city cause an increase in the quantity supplied of rent-controlled apartments.
Rent controls pressure landlords to rate residences under the equilibrium rate level. An instant impact is a shortage (extra demand) of residences, due to the fact the number of residences demanded is more than the amount provided on the regulated rate. Price ceilings and hire controls also can create deadweight loss via way of means of discouraging manufacturing and reducing the deliver of goods, services, or housing under what customers virtually demand. Consumers enjoy shortages and manufacturers earn much less than they might otherwise.
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Conflicts between two mutually exclusive projects occasionally occur, where the npv method ranks one project higher but the irr method puts the other one first. In theory, such conflicts should be resolved in favor of the project with the higher irr.
Conflicts between two mutually exclusive projects occasionally occur, where the NPV method ranks one project higher but the irr method puts the other one first is a False statement.
What two initiatives are mutually exclusive?Capital projects that compete head-to-head are said to be mutually exclusive. Projects X and Y are said to be mutually exclusive, for instance, if a management must choose precisely between completing either project X or Y, but not both of them simultaneously.
Hence, The more net cash a project creates for the company, the higher the expected IRR is and the more it exceeds the cost of capital. In this instance, the project appears to be profitable, and management should move forward with it.
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See full question below
Conflicts between two mutually exclusive projects occasionally occur, where the npv method ranks one project higher but the irr method puts the other one first. In theory, such conflicts should be resolved in favor of the project with the higher irr. True or false
kara is a lender who is working with prospective buyer, stan. what does kara ask sam to provide to show his work history and earning information?
Kara asked Sam to provide Paystub to show his work history and earning information.
Your entire earnings are broken down on a paycheck stub. A paystub shows how much was paid in taxes on your behalf, how much was taken out for benefits, and how much was left over for you to be paid after taxes and deductions. Earnings statements, also known as paystubs or check stubs, are crucial payroll documents that both employers and employees must keep track of. They provide details on earnings received, hours worked, deductions taken, and benefits a worker has accumulated.
An employer will provide an employee with a pay stub that details their gross earnings, deductions from those earnings, and net compensation. Each employee receives a fresh pay stub for each pay period since pay stubs and paychecks are produced in tandem.
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two people are given the choice to participate in a retirement program in which the firm matches contributions. person a is given a form in which she must check a box to opt into the retirement program. person b is given a form in which she must check a box to opt out of the retirement program. according to studies, which person is more likely to participate? or are they equally likely to participate?
People are more likely to select the default option, according to studies, so Person B is more likely to participate.
What does the term "default choice" mean?
The option that a customer "selects" if they do nothing is known as the default choice or default option. Consumers rarely alter the default settings, according to studies. Therefore, the nature of the default choice has a significant impact on consumer behavior.
Which bias is the default?
People's preference to stick with previously made decisions and their tendency to choose inaction over action are both examples of this tendency to stay in the default choice, which is known as default bias (or status quo bias).
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what is the answer in mental lliness
Answer:
Explanation:
Examples of serious mental illness include major depressive disorder, schizophrenia and bipolar disorder.
Explain why firms in a monopolistically competitive market may be able to charge slightly different prices while prices will be identical in a perfectly competitive market.
Firms in a monopolistically competitive market may be able to charge slightly different prices while prices will be identical in a perfectly competitive market because the former has many small buyers and many sellers, has no barriers, and has differentiated products while the latter has restrictions on exit and the demand-supply outputs and inputs are perfectly elastic.
A market that is monopolistically competitive combines the characteristics of monopolies and perfectly competitive markets, however monopolistic enterprises are nevertheless allowed to set their own prices because they create differentiated products from their competitors.
In monopolistic competition, businesses can charge whatever the public is willing to pay for their products, and they also want as many customers as possible to perceive that their products and services are superior to those of competing firms.
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a(n) strategy focuses on integration at the business level by attempting to reconcile product differentiations at low cost.
A transnational strategy aims to harmonize product differentiations at a cheap cost while concentrating on unification at the business level.
How would you define business?A business is a creative organisation or team that partakes in professional activities. They might be commercial, industrial, or something else else. Companies that are for business aim to generate a profit, whereas nonprofit organisations work to further charitable causes.
Why is there a business?The objective of a business is to offer consumers something of value, which they subsequently exchange for money or other forms of payment. The amount received must, at the absolute least, meet the owner's essential living expenses as well as company operating costs.
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price discrimination is only possible in a (click to select) market structure. suppose you are advising five banners amusement park, which is the only such firm in the state. two types of visitors are interested in the park: middle-class families with young kids, and teens/college students. what is wrong (from the perspective of five banners' revenue) with charging all visitors the same high admissions price? multiple choice 2 five banners would have to pay its employees more. people will expect extremely awesome rides, which are expensive to build. teens and college students would not be able to visit, even though they would have if the price was lower. five banners would make less money on food sales. what is wrong (from the perspective of five banners' revenue) with charging all visitors the same low admissions price? multiple choice 3 five banners would start to attract competitors. the park will be overwhelmed by visitors, leading to unsafe conditions. five banners will get less revenue than it could have from the families, who are willing and able to pay more. five banners would have to pay its employees less. if five banners engages in price discrimination, the number of people visiting the park will be (click to select) if they charged everyone the same high monopoly price; and will be (click to select) the socially optimal number of visitors that would happen in a perfectly competitive market.
Teens and college students would not be able to visit, even though they would have if the price was lower.
Five Banners will get less revenue than it could have from the families, who are willing and able to pay more.
If Five Banners engages in price discrimination, the number of people visiting the park will be more than if they charged everyone the same high monopoly price; and will be the same as the socially optimal number of visitors that would happen in a perfectly competitive market.
Best opposition describes a market structure in which opposition is at its greatest possible stage. To make it extra clean, a market that well-known shows the following characteristics in its shape is stated to show the best opposition: A massive variety of buyers and dealers.
Neoclassical economists claim that perfect competition—a theoretical marketplace structure—would produce exceptional viable financial results for both customers and society. All actual markets exist out of the doors of the suitable competition model because it's far an abstract, theoretical model.
In a monopolistic marketplace, there may be the simplest form that dictates the price and supply levels of goods and services. A wonderfully aggressive marketplace consists of many companies, where nobody firm has market control.
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on january 1, year 1, the accounts receivable balance was $23,300 and the balance in the allowance for doubtful accounts was $2,300. on january 15, year 1, an $670 uncollectible account was written-off. what is the net realizable value of accounts receivable immediately after the write-off?
The net realizable value of accounts receivable immediately after the write-off is $21000.
According to the question,
The write-off of the uncollectible amount of $670 is to be reduced from the allowance for doubtful accounts and accounts receivable.
Allowance for doubtful accounts = $2,300
Accounts receivable balance = $23,300
The net realizable value of account receivables is
= (23300-670)-(2300-670)
= $21000
Amount of uncollectible account expenditure
= sales on account* 1%
= 215000* 1%
= $2150
Hence, the net realizable value of accounts receivable immediately after the write-off is $21000.
There are some accounts that have debts and loans which have zero chance of being repaid.
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companies that are created by congress to provide a public good or service to citizens because a private enterprise cannot provide that good or service profitably are known as .
Profitably are known as make them independent of political pressure, particularly from the president. Income and expenses are used to determine profitability. Income is money that the firm makes through its operations.
For instance, money is made when livestock and crops are raised and sold. Nevertheless, money that enters the company through actions like borrowing money does not generate profitability. A business's capacity to generate a return on an investment based on its resources in comparison to an alternative investment Income is another definition of profitability. The proportion of a company's income to its expenses is known as its profitability.
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in learning from market segmentation practices, how do you know if the segmentation has splintered the market into too many segments that are too small? conversely, how do you know if the segments are too big and perhaps should be broken into more segments that are smaller?
In market segmentation practice, we can check if each segment possesses unique and distinctive characteristics. We can say segmentation is perfect when there is no overlap in unique features of each segment or we need a separate strategy for each and every segment.
A marketplace is an area wherein buyers and dealers can meet to facilitate the trade or transaction of products and services. Markets may be physical like a retail outlet, or digital like an e-keep. one-of-a-kind examples consist of unlawful markets, auction markets, and monetary markets.
It refers to the whole area of operation of demand and supply. in addition, it refers back to the conditions and commercial relationships facilitating transactions amongst shoppers and sellers. therefore, a market signifies any affiliation wherein the sale and buying of merchandise take vicinity.
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your company wants to have greater success online. what are two ways that ads can drive your business goals
Your company wants to have greater success online and the two ways that ads can drive your business goals are, boosting the conversions by connecting to buyers at the moment that matter and maximizing exposure by reaching a wider audience.
Conversions are crucial for online business as they allow to identify the customers who are interested in the products. It ensures whether the marketing funnels are working for desired results or not. It analyses what the customers look for, the source of the traffic to the website, stages where customers face the problem, and other leads. It identifies whether the website works properly or not.
Ads also maximize the exposure of the online business and help reach a wider audience. It helps in reaching the target audience by displaying ads to selected customers. It promotes the business by using various formats.
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when a new product or service is launched, what type of pricing strategy attempts to attract customers quickly by offering a very low price at first?
A penetration strategy is one that attempts to attract customers quickly by initially offering a very low price. Thus, the correct answer is the Penetration strategy.
What is a Penetration strategy?A penetration strategy is a bold marketing approach that tries to build a significant market share for a new product. Marketers will provide a cheap price and conduct sales campaigns to increase the product's desirability. This strategy's goal is to convince clients to acquire the new product, therefore generating a market for it.
If customers are price sensitive, the penetration technique will work. The new cheap pricing will entice customers to buy. If the corporation later raises the price to generate a profit, demand may fall. The product must be of excellent quality for this technique to function. In the medium term, competitors may cut the pricing of their products, resulting in price wars.
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you're building a product feed for a client who is new to shopping ads, and you notice the client's inventory data isn't accurate. what two things may happen if the feed is uploaded with data quality issues
1. The client may see a decrease in traffic and conversions, as potential customers may be discouraged from clicking on ads if they believe the product won't be in stock.
2. The client may also accrue additional costs, as they may be charged for clicks that don't result in a purchase. Inaccurate inventory data can also lead to ads being disapproved.
There are a few things that could happen if a client's inventory data isn't accurate when uploaded for a Shopping ad campaign:The client could see a decrease in traffic and conversions, as potential customers may not be able to find the products they're looking for.The client could also see an increase in their cost-per-click (CPC) rate, as their ads may not be as relevant to searchers as those of their competitors.To avoid these issues, it's important to make sure that all inventory data is accurate before uploading it for a Shopping ad campaign. This includes ensuring that product prices, descriptions, and images are all up-to-date and match those on the client's website.
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if a company reports profit margin of 33.2% and investment turnover of 1.40 for one of its investment centers, the return on investment must be: multiple choice 23.71%. 46.48%. 34.60%. 31.80%. 4.22%.
Option b. 46.48% is the correct answer. The return on investment is 46.48%
Return on investment calculates the profit-generating potential of investment by dividing the total amount of profit generated during a financial year by the total cost of investment.
The investment turnover ratio evaluates a company's earnings in relation to its debt and equity. The ratio is used to assess a management team's capacity to produce revenue with a given level of funding. The term "turnover" component denotes how many multiples of revenue can be produced with the available funding.
The return on investment is calculated as follows.
Return on investment = Profit margin * Investment turnover
Return on investment = 33.2% * 1.40
Return on investment = 46.48%
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a machine with a cost of $174,000, accumulated depreciation of $107,000, and current year depreciation expense of $28,000 is sold for $57,600 cash. the amount that should be reported as a source of cash under cash flows from investing activities is:
Zero using the direct approach; expense for depreciation of $28,000 using the indirect method.
What is the Statement of Cash Flows' Operating Section?Operating, financing, and investing are the three main activities that make up the statement of cash flows. The company's primary operations are the source of the net cash inflow that is reported in the operating section of the statement of cash flows.
All transactions that result in cash inflows and outflows are reported according to the direct method of the statement of cash flows. Since none of the amounts in the transaction resulted in cash inflows or outflows as a result of the primary operations of the business, none of them would be included in the statement of cash flows that would have been reported using the direct method.
In contrast, the indirect method of preparing the statement of cash flows starts with net income and is adjusted for non-cash items like depreciation expense and the movement of current and non-current liabilities to determine the amount of cash flows from operating activities.
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a customer owns 500 shares of xyz stock selling at $15 per share and $20,000 par value of state of alabama go bonds selling at 101. if both securities increased by 2 1/2 points, the dollar value of the increase is:
The dollar value of the increase is: $1,750 when the customer owns 500 shares of xyz at $15 per share and $20,000 par value of Alabama State bonds selling at 101.
Each share point is $1. Each point for bonds is $10.
A 2 1/2 point increase in the stock position is $1,250 ($2.50 x 500 shares). A 2 1/2 point increase in the bond position is $500 (20 bonds x $25).
$1,250 increase in stocks + $500 increase in bonds
= a total increase of $1,750.
A debt security similar to an IOU called a bond. Bonds are issued by borrowers to attract capital from investors who are ready to lend to them for a certain period of time.
When you buy a bond, you are making a loan to the issuer, which can be a company, government or municipality. In exchange, the issuer agrees to pay you a specific interest rate for the life of the bond and return the bond's principal when it "mature," or becomes due, after a predetermined period of time.
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The question was incomplete. Check below the full question.
A customer owns 500 shares of XYZ stock selling at $15 per share and $20,000 par value of State of Alabama GO bonds selling at 101. If both securities increased by 2 1/2 points, the dollar value of the increase is:
A. $1,200
B. $1,300
C. $1,750
D. $2,500
you deposit $1000 at the beginning of each year into an account earning 5% interest compounded annually. how much will you have in the account in 35 years?
In 35 years you will have $55,160 in your account which has 5% compound interest.
What is Compound Interest?The interest you earn on interest is known as compound interest. Simple math may be used to demonstrate this: if you have $100 and it generates 5% interest annually, you will have $105 at the end of the first year. You will wind up with $110.25 at the conclusion of the second year. Compound interest, also known as interest on principal and interest, is the practise of adding interest to the principal amount of a loan or deposit. Because interest is calculated on both the original principal and the accumulated interest over time, compound interest causes your money to grow more quickly. As the initial investments and the income received from those assets rise simultaneously, compounding can produce a snowball effect.
Hence, In 35 years you will have $55,160 in your account which has 5% compound interest.
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the american system included support for all of the following policies except: group of answer choices high tariffs high prices for western lands internal improvements free public schools a national bank
Free public schools, Public schools are free for students in kindergarten through grade 12 in high school.
Public school is free in the United States:
The free school movement, often referred to as the new schools or alternate schools movement, was a 1960s and early 1970s American education reform movement that sought to alter the goals of formal schooling through alternative, autonomous community schools.
Free schools are a sort of academy that are managed by nonprofit organizations rather than the local government (council) and are not permitted to operate for financial gain. They receive funding from the federal government and are given a variety of liberties, including the ability to innovate in their instruction, whether that means emphasizing STEM courses or adopting a different method of instruction.
If they have the required capacity and capability, anyone may seek to establish a free school. Applications must indicate how the concept will satisfy crucial conditions, such as how there is a proven demand for the positions the school would serve and how the school will be financially viable while offering a diverse and balanced curriculum.
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The country of nemedia does not trade with any other country. its gdp is $20 billion. its government collects $4 billion in taxes and pays out $3 billion to households in the form of transfer payments. consumption equals $13 billion, and investment equals $2 billion. what is the value of the goods and services purchased by the government of nemedia? a. $17 billion b. $3 billion c. $19 billion d. $5 billion
The total of the goods and services purchased by the government of nemedia is $5 billion. It can be calculated by subtract the GDP with total government investment and also consumption.
In economic and business, Gross domestic product or known as GDP generally can be defined as a monetary measure of the market value of all the services and also final goods produced and sold in a specific time period by countries.
The calculation:
Gross Domestic Product (GDP) = private consumption + gross private investment + government investment + government spending + (exports – imports)
Government purchase of Goods and services = GDP - Investment - Consumption
Government purchase of Goods and services = $20 billion - $ 13 billion - $2 billion
Government purchase of Goods and services = $5 billion
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the baxters are looking at a $425,000 home. they have $90,000 in savings to use as a down payment. what loan type(s) would likely be the best option for them?
Conventional people act or think in a way that is typical and expected.
What else does the word "conventional" mean?
The terms formal, ceremonious, and ceremonial are frequently used synonyms for conventional.Even though "marked by attention to or adhering strictly to prescribed forms" is the meaning of these words, "conventional" can also mean "according with general custom and usage" and "may suggest a stodgy lack of originality or independence."ordinary politeness.
What is an illustration of a conventional?
These things are always depicted using standard signs and symbols. These are small cups with typical eagle, lion, and griffin designs that have been deeply and crudely cut out.
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lgcc enterprises is considering introducing a new cell phone, the x-7. they estimate they will sell 10,000 x-7s next year at a retail price of $590. of the 10,000 x-7 sales, 3,000 would be from customers that would have purchased lgcc's current x-6 model, which retails for $350. what incremental sales revenue should lgcc use in their analysis of the x-7?
The incremental sales revenue that should lgcc used in their analysis of the x-7 is 4,050,000
According to the given question and given data,
Next year sales = 10000*510 = 5100000
Previous year sales = 3000*350 = 1050000
Incremental sales = 5,100,000-1,050,000 = 4,050,000
Incremental sales measure the efficiency of a marketing or sales promotion campaign. The difference between the sales made during a promotion and the sales you would have made if there would have been no promotion. Incremental sales in business means a gradual increase which can increase depending on ad expenditure and all.
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jacqueline worked at the telephone-sales office. she called 15 people before someone purchased her product. then she called 10 people and the 10th bought what she was selling. when she started again, the fifth person she called bought it. what schedule is she working under thus far? (you need to give the schedule value too)
The schedule is she working under thus far is vr 10.
What is vr schedule?A schedule for reinforcement that rewards a behaviour after a random number of responses is known as a variable ratio schedule. High and consistent response rates are produced by this kind of schedule. The belief that the subsequent response might be the one required to receive reinforcement motivates organisms to respond repeatedly.
A review of your work by your employer: Does your boss visit your office a few times during the day to see how things are going? A schedule with variable intervals would look like this. You never know when these check-ins will take place because they happen at erratic times.
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Your organization’s network has multiple layers of security devices. When you attempt to connect to a service on the internet. However, you receive a security message from the operating system stating that this service is blocked on your workstation. What could be the probable cause?.
A security message from the operating system stating that this service is blocked on your workstation results due to the probable cause of the host-based firewall settings are blocking the service.
In the field of computers, a firewall can be described as management software that does not allow any unauthorized access to a computer. A host can make a firewall setting according to the security required in his systems. A firewall will block a service that is considered a threat to the system.
In order to connect to a service in your workstation, you will need to contact the host or manager of the workplace to open the services for your system.
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how does the va fund the mortgage guarantee program so that lenders can be reimbursed for any losses from borrower default?
Junior lien on the property the va fund the mortgage loan guarantee program so that lenders can be reimbursed for any losses from borrower default. A second mortgage, also known as a junior lien,
Is a loan taken out using your home as collateral while you also have another loan secured by fund home. Second mortgages are commonly referred to as home equity loans and home equity lines of credit (HELOCs). The junior lienholder attempting to foreclose on the property may exercise its right of redemption, or pay off any senior liens in order to protect its interest in the property. A junior mortgage is a house loan made in addition to the principal mortgage on the property.
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stephanie knows that she needs to include information in the controls section of the marketing plan about what the company will do if the initial marketing strategy it has planned does not garner the results the company wants. this information is known as the
The steps the company must take to achieve the marketing goals it set in its mission statement and strategic planning are listed in the marketing strategy component.
Greater market share, stronger brands, and increased profits are all possible outcomes of a successful marketing strategy.
What is a plan for marketing?
document that describes the promotion and marketing efforts made to achieve one or more marketing goals for a specific time period and defines the target market.
What is the least important component of a marketing strategy and why is it so important?
The most essential component of any marketing strategy is situational analysis. The entire section provides an overview of the business as well as its products and/or services, as well as a summary of the sector, a SWOT analysis, and competition.
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select all that apply though it may undermine the concept of comparing a constant basket of goods, the bls occasionally updates the items in the cpi market basket. why? multiple select question. the bls is interested in maintaining a market basket excluding the most current goods and services. to capture the cost of a certain standard of living. to satisfy the internal revenue service. to more accurately measure the types of goods and services that are available in a given period.
The BLS occasionally updates the items in the CPI market basket. Market basket excluding the most current goods and services. A market basket is a carefully chosen mix of goods and services that measures the performance of a particular market or segment.
The Consumer Price Index (CPI) is a typical market basket that offers an estimate of inflation based on the average change in price paid for a certain basket of goods and services over time. Housing, education, recreation, food and beverage, fashion, transportation, health care, and other goods and services are examples of main categories that may be included in a market basket.
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stanley is responsible for performing a variety of human resource activities such as posting job openings and reporting current employees' job satisfaction. he is most likely an
Stanley is responsible for doing a variety of human resource activities such as reporting current employees' job satisfaction and posting job openings. He is most likely a 'human resource generalist'.
A human resource generalist refers to a professional employee working in the human resource department who is able to perform a large variety of responsibilities and handles all the tasks related to an employee.
Human resource generalists need to be attentive, prompt, and cordial in order to act as liaisons between managers, executives, and workers in measuring employee engagement.
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what amount would a person with actual cash value coverage receive for five-year-old furniture destroyed by a fire?
It is estimated that a person with real cash value coverage would receive $6,800 if a fire destroyed five-year-old furniture.
Describe insurance in your own words.Insurance is a tool used in risk management. A policy protects you from financial losses you may not have anticipated. In the event of an unfavorable event, the insurance provider will pay you or a person of your choosing.
How do insurance premium payments work?Insurance premium is the money that a person or company spends on an insurance policy. It is necessary to pay premiums for health insurance, life insurance, vehicle insurance, and homeowner's insurance. The insurance company receives the premiums after they have been collected.
Given in the question:
Insurance payment = Replacement cost - Depreciation
= $8,500 - [($8,500 / 10) × 2]
= $8,500- $1,700
= $6,800.
Question:what amount would a person with actual cash value coverage receive for five-year-old furniture destroyed by a fire? The furniture would cost $8,500 to replace today and had an estimated life of ten years.
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