Commercial banks, savings and loans, credit unions, and non-banks are all considered to be a part of the U.S. banking system.
What is Commercial banks?Commercial banks can be defined as banks that accept deposit and as a well give out loans to their borrowers.
Hence, United State of American banking system is comprises of the following:
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What is the difference between an open listing and an exclusive listing goldcoast?
Realtors in the area may compete to find a buyer for the house with an open listing. The sole agent is encouraged to work hard to finalize the deal by an exclusive listing.
A house that is up for sale and can be visited by numerous agents is called an open listing in real estate. The agents compete with one another to sell the property.
The opposite of an open listing is an exclusive listing, in which the property owner engages a real estate agent with the understanding that the agency has the sole authority to represent the owner and sell the property.
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On the Cartesian plane, the midpoint between two points $A(a,b)$ and $B(c,d)$ is $M(m,n)$. If $A$ is moved vertically upwards 20 units and horizontally to the right 14 units, and $B$ is moved vertically downwards 4 units and horizontally to the left 2 units, then the new midpoint between $A$ and $B$ is $M'$. What is the distance between $M$ and $M'$
The distance between M and M' is 10 units.
What is a cartesian plane?Cartesian Plane is a two-dimensional plane in the cartesian coordinate system. Rene Descartes designed the cartesian plane in the 17th century. The most important property of a cartesian plane is that it connects two branches of mathematics: Euclidean Geometry and Algebra.To find the distance between M and M', calculate as follows:
Let,
[tex]M=[\frac{(a+c)}{2},\frac{(b+d)}{2} ]=(m,n)\\A'=(a+14,b+20); B' =(c-2,d-4)\\M'=[\frac{(a+c)+12}{2},\frac{(b+d)+16}{2}=(m+6,n+8)\\\sqrt{[(m+6-m)^{2} +(n=8-n)^{2} } =\sqrt{[6^{2} +8^{2} ]} =\sqrt{36+64} =\sqrt[]{100}\\\sqrt[]{100} =10[/tex]
Therefore, the distance between M and M' is 10 units.
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Mr. Romero is 64, retiring soon, and considering enrollment in his employer-sponsored retiree group health plan that includes drug coverage with nominal copays. He heard about a neighbor’s MA-PD plan that you represent and because he takes numerous prescription drugs, he is considering signing up for it. What should you
He should compare the benefits in his employer-sponsored retiree group health plan with the benefits in his neighbor's MA-PD plan to determine which one will provide sufficient coverage for his prescription needs.
Retiree health insurance is health insurance offered by some employers, unions, and foundations to retired employees and their spouses. This is typically group health insurance similar to plans offered to active employees. Eligibility, registration, coverage, and other rules are specific to each employer's retirement plan.
Group Health Insurance. Generally, health insurance is provided by an employer or employee organization that provides health insurance to employees and their families. (Retirees) Insurance from your former employer, usually Medicare, pays for your medical expenses first, and then your medical expenses. group health plan.
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ohn, 68, is currently enrolled in a Medicare Supplement Plan with a stand-alone Prescription Drug Plan. Newly diagnosed with a chronic condition, he calls agent Charles on May 3 to ask if there are plans that will help him manage his condition. Can John enroll in a Chronic Special Needs Plan (C-SNP) that covers his chronic condition
Yes John would be able to register by making use of the special election period.
What is the special election period?
The special election period is also sometimes referred to as the special enrollment period in the United States.
This is the period that the beneficiaries of Medicare are able to make changes to their advantage or to their coverages in the nation.
This has to be done outside of what is their initial enrollment period . This is a yearly open period where the citizens are able to sign up for Medicare in the nation.
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How do I earn money the quickest way?
Nina and rob prepaid some of their interest to their lender when financing their new home. what's this called?
If Nina and rob prepaid some of their interest to their lender when financing their new home, This is called buydown.
What is buydown?
Buydown can be defined as the process in which a mortgage borrower plan to acquire an interest that is lower by paying prepaid interest or fee.
Hence, Nina and rob are using mortgage financing strategy which is why they prepaid some of their interest to their lender so as to have lower interest.
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Members of regional trade blocs tend to develop _____ diversity in the types of goods and services that their firms produce.
This has the effect of making per capita real GDP growth _____ stable, which tends to ______ economic growth.
A.
less; less; decrease
B.
more; more; increase
C.
more; less; decrease
D.
less; more; increase
The economic analysis above will be correct if Option B is selected. See the explanation below.
What is a regional trade bloc?A regional trade bloc occurs when member nations who (may or may not be geographically near to one another) decide to form a trading arrangement that is flexible.
Hence, the correct statement is:
Members of regional trade blocs tend to develop more diversity in the types of goods and services that their firms produce.
This has the effect of making per capita real GDP growth more stable, which tends to increase economic growth.
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When a company has its sales forecasts prepared by management consultants, economists, or college professors, it is using a(n):______
When a company has its sales forecasts prepared by management consultants, economists, or college professors, it is using a(n): expert forecasting survey.
A survey is a survey method that collects data from a predefined group of respondents to provide information and insights on a variety of topics of interest. They have multiple purposes, and researchers can implement them in different ways, depending on the methodology chosen and the purpose of the study.
Surveys are used to collect or generate insights in areas such as social surveys and demographics. Research studies are often used to assess thoughts, opinions, and emotions. The survey can be specific and limited, or it can set more global and broader goals. types of surveys and their usage. Most studies fall into three different categories: exploratory, descriptive, and causal. In the world of online research, mastering all three will give you more informed insights and higher quality information.
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Individuals are responsible for each outcome in determining supply chain roles and responsibilities. true false
The statement "Individuals are responsible for each outcome in determining supply chain roles and responsibilities." is true. This is further explained below.
What is supply?Generally, In economics, supply is the entire quantity of a certain commodity or service that is accessible to customers.
In conclusion, I agree with the statement, "Individuals have a critical influence in shaping supply chain roles."
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Which of the theories or models below proposes that people make decisions based on internal factors, such as knowledge and confidence, and external factors, such as physical environment and social approval
Social cognitive theory is the theories or models below that propose that people make decisions based on internal factors, such as knowledge and confidence, and external factors, such as physical environment and social approval.
Knowledge is knowing and focusing on something. It refers to the facts, records, capabilities, and information acquired thru gaining knowledge of and reviews in life.
Knowledge is an abstract concept with no reference to the tangible international. it's far a totally powerful concept, yet it has no clear definition to this point.
An example of knowledge is having the ability to find a location. An example of knowledge is remembering details about an event.
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in a graph showing the short-run cost curves, the one curve which declines continuously as we expand output is called
The short-run cost curve that declines continuously as output is expanded is the average fixed cost curve.
What is the average fixed cost curve?
The average fixed cost curve is a curve that shows the relationship between output per unit and total output. Fixed cost is the cost that remains constant regardless of the level of output. An example of fixed cost is rent. The average fixed cost curve continuously declines as output increases.
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Which of the following factors will be important in the selection of a site for a production facility
The factors to consider in the selection of a site for the production facility are as follows:
Labor costs
Proximity of Raw material
Access to transportation
What is Labor?Labor are the workers hired by an organization to carry out work they are not literate much and are paid wages, on weekly or daily basis. They are paid hourly or by piece rate.
Labor cost is essential as the labor will be working on the site, Raw material can also be required to work with and finally the transportation of the goods needs to be accessible.
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In the context of the Rocket Model, teams with low levels of buy-in have team members who believe in what the team is trying to accomplish and will enthusiastically put forth the effort needed to complete their assigned tasks and make the team successful.
The answer is False because the team them have low levels of buy-in they will not effort to complete the assigned task as stated.
See the explanation bellow
Why a low-level buy-in will not give the desired effort to compete in a Task?Although it is clear as to why the team who does not believe in an idea will not give maximum effort or not give effort at all to see that a task gets completed.
This is because they do not believe in the Idea at first, and they consider it a waste of time and resources even if it works because it will not scale anyways
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When government policy moves from a budget surplus to a budget deficit and the trade deficit remains constant: savings will decrease no matter what happens to investment. savings will decrease if investment remains constant. investment will increase if savings also remains constant. investment will decrease if savings also remains constant.
Investment will decline if savings also decline when a government's fiscal policy switches from a budget surplus to a budget deficit and the trade deficit stays steady.
What occurs if there is a budget surplus or deficit for the government?A budget deficit occurs when the federal government spends more money than it takes in from taxes in a given year. In contrast, the government has a budget surplus when it collects more taxes than it spends in a single year.What distinguishes a budget surplus from a budget deficit?A government experiences a budget surplus when its tax revenues exceed its expenditures, a budget deficit when its expenditures exceed its tax revenues, and a balanced budget when the two figures are equal.
How do trade deficits result from budget deficits?A budget deficit causes interest rates to rise, which raises net capital inflows and currency depreciation, which lowers net exports.
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suppose the price of gasoline increases and that sport utility vehicles get poor gas mileage compared to other availble cars. One would expect
Suppose the price of gasoline increases and that sport utility vehicles get poor gas mileage compared to other available cars. One would expect "the demand for sport utility vehicles to decrease".
What is increase in demand?A rise in demand indicates that consumers intend to buy more of the product at all cost ranges.
The demand for a good increases or decreases depending on several factor. Some are given below-
Price of Product: Lower prices increase demand, while higher prices decrease it. This is a result of consumer satisfaction levels. There won't be much demand for your product if people can't afford it.Tastes and Preferences: Families and lone shoppers have very diverse tastes. A family is more likely to buy kid-friendly items than a single person, who often solely buys items for themselves.Consumer’s Income: Consumers tend to spend more money and make more purchases as their wealth increases. Wealthier groups not only purchase more frequently, but they also favor more expensive, high-quality goods.Availability of substitutes: Regardless of what you sell, there will always be rival businesses. You must be aware of your rivals since, if you're not careful, they could reduce your market share.To know more about the factor that influences demand, here
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The operating loss from a passive activity can not be used to offset which categories of income?
The operating loss from a passive activity can not be used to offset portfolio income. Portfolio income is defined as money earned from investments, dividends, interest, and capital gains. It is one of the three major types of income. Other two are active and passive income. The majority of portfolio income is taxed favorably.
Dividends and capital gains pay a lower tax rate than earned income. Furthermore, portfolio income is exempt from Social Security and Medicare taxes. Active income is most straightforward of the three categories. It is money earned by working or providing a service, wages, salaries, and to reduce operating loss.
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The members of a stock exchange such as the nyse ______. (select all that apply)
The members of a stock exchange such as the nyse buy and sell securities for companies and individuals. Lending securities to businesses and governments is a means for investors to profit. Investor is casting vote for a company's future expansion by purchasing shares or bonds.
Securities serve both the issuer and investor by introducing money into the economy. Sell in context of financial research, denotes a suggestion to end a long position in a stock due to the possibility of price decrease. Most investors buy stocks in effort to increase their wealth; they anticipate that their investments will increase value.
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A backup plan using wan/vlan replication and a recovery strategy using a warm site is most suitable for information systems that have ____ priority within an organization.
A backup plan using wan/vlan replication and a recovery strategy using a warm site is most suitable for information system that have moderate priority within an organization. Structures with spans larger than 50% that are creating instability and spans less than 50% that are not significantly causing geomorphic instability are both of moderate priority.
When a client completely or significantly loses service while using a production system, or when actual or imagined data loss or corruption renders an essential component of the production system useless, an issue that has a serious organization impact on the production system may be assigned.
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On July 19, each of the following consumers met with an agent. Based on the information provided, which consumer must wait until the Annual Election Period (AEP) or Open Enrollment Period (OEP) to enroll?
This consumer is going to be Joy. She has a cardiovascular disorder and is enrolled in a CSNP.
What is the Open Enrollment Period (OEP)?This is the enrollment period that is the annual period that people are able to make enrollment into the Qualified health plan.
This is consumer that has to wait for this period is Joy through the use of the priority health insurer.
The annual election period of Medicare is what is also called its enrollment period. At this time those that are enrollees would be able to make changes to their plans and also change their coverage.
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Under the rule of 70, if the GDP per capita growth rate in the United States is 2.3%, standards of living double every:
Under the rule of 70, if the GDP per capita growth rate in the United States is 2.3%, standards of living double every 70/2.3 = 30.43 years.
What is Gross Domestic Product (GDP)?The term "Gross Domestic Product," or GDP, refers to the total monetary worth of all finished goods and services produced (and marketed) within a nation within a specific time period (typically 1 year).
GDP Growth Rate:
The GDP growth rate compares the most recent quarter or year to the preceding one and represents the percentage change in real GDP (GDP adjusted for inflation) from one period to the next. A positive or negative number may be used (negative growth rate, indicating economic contraction).GDP per capita:
By dividing nominal GDP by a nation's entire population, one can get GDP per capita.It conveys the nation's average economic output (or income) per person. The population figure corresponds to the year's median (or mid-year) population.The price deflator, a statistical tool, is used to convert nominal GDP to constant prices.
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why do i sometimes need to chose between my wants and needs
Answer: needs are more important than wants ! you need to water to survive but want the new PS5.
Explanation:
Securities of which of the following issuers are federal covered? Bonds of an issuer whose common stock is listed on the NYSE Bonds of an issuer whose common stock is listed on the NYSE American LLC (formerly known as the American Stock Exchange) Stock listed on the Nasdaq Stock Market Registered investment company securities
All securities of an issuer whose common stock is listed on any national exchange, such as the NYSE (New York Stock Exchange) or the NYSE American LLC (formerly known as the American Stock Exchange), or the Nasdaq Stock Market are exempt from state registration, including any securities of the same issuer senior to such securities.
What are Stocks?A stock, usually referred to as equity, is a type of investment that denotes ownership in a portion of the issuing company. Shares, also known as units of stock, entitle its owners to a share of the company's assets and income in proportion to the number of shares they possess. Most individual investors' portfolios are built on stocks, which are mostly bought and sold on stock exchanges. Government standards designed to shield investors from dishonest tactics must be followed during stock trades. In order to raise money to run their operations, corporations issue stock, and the holder of that shares, known as a shareholder, may be entitled to some of the company's assets and earnings.Based on the total market capitalization of its listed securities, the New York Stock Exchange (NYSE), a stock exchange in New York City, is the largest equity-based exchange in the world. All registered investment company securities are exempt from state registration.
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In an amortized mortgage, the monthly payment is the same each month. The part used to pay the principal increases each month, while the amount going toward interest ______.
In an amortized mortgage, the monthly payment is the same each month. The part used to pay the principal increases each month, while the amount going toward interest decreases.
What is a mortgage?These are loans granted by banks or a specialized mortgage to borrowers who intends buying a house.
Amortization is a repayment feature of loans with equal monthly payments and a fixed end date. Mortgages are amortized, and so are auto loans.
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Strickland Corporation has invested in debt securities. Strickland intends to actively buy and sell this investment for profit. This investment is classified as:
The answer is trading security.
A corporation that trades securities buys them with the intention of making a quick profit.
Companies will only invest if they think there is a good chance they will be compensated for the risk they are taking because they do not intend to hold such securities for an extended period of time.
If a corporation finds an undervalued security and wishes to take advantage of the chance, it may decide to speculate on various debt or equity assets.
Debt securities and equity securities are both included in the category of securities known as trading securities.
Hence, in the given case where Strickland Corporation has invested in debt securities. Strickland intends to actively buy and sell this investment for profit. This investment is classified as trading security.
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A fixed cost is: A. associated with any productive resource whose price is fixed. B. any cost which increases proportionately with output. C. any cost which a firm would incur even if output was zero. D. associated with all inputs whose short-run supply is perfectly inelastic.
A fixed cost is option(c) i.e, any cost that a firm would incur even if the output was zero.
What is a fixed cost?Fixed costs typically refer to expenses that are calculated based on time rather than the volume of goods or services that your company produces or sells. Rent and leasing charges, salary, energy prices, insurance, and loan repayments are a few examples of fixed costs. There are some taxes that are fixed costs as well, such as company licenses.
The fact that fixed costs are simple to budget is their biggest advantage. These prices are predictable throughout the course of each month, so you won't need to adjust your spending plan in the event that production surges.
The whole fixed cost will be provided by Adding up your variable costs and dividing by the number of units you generated to get your total cost of production.
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Q8. buyco., an online retailer , knows it needs to create a culture of privacy. what is the first step the company should take?
To create a culture of privacy, the first step a company must take is to implement privacy in all organizational processes, including systems and technologies.
What is the culture of privacy?It is the governance of data in a private and secure way, generating reliability in organizational processes, increasing legislative compliance and the relationship with stakeholders, who feel safer with personal data protection strategies.
Therefore, the culture of privacy is relevant in the digital age, as information security is one of the main challenges today.
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Normative economic analysis involves: Group of answer choices value judgments. purely descriptive statements. testable hypotheses. true statements.
The normative economic analysis involves value judgments and opinions.
By normative economic analysis, what do you mean?Normative economics is an approach to the study of economics that expresses normative or ideologically prescriptive judgments on economic development, investment initiatives, claims, and scenarios.
Normative economics is heavily concerned with value judgments and declarations of "what ought to be" rather than facts based on cause-and-effect statements, in contrast to positive economics, which is dependent on objective data analysis. It reflects ideological opinions regarding potential outcomes for economic activity in the event that public policy changes. It is impossible to verify or validate normative economic claims.
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Because monopoly firms do not have to compete with other firms, the outcome in a market with a monopoly is often.
the outcome in a market with a monopoly is often a. is often not in the best interest of society.
A monopoly company has no opponents. it's miles the most effective firm in its industry. There aren't any near substitutes for the coolest or service a monopoly produces. now not most effective does a monopoly company have the marketplace to itself, but it additionally wants no longer fear approximately other firms getting into. The U.S. markets that operate as monopolies or close to monopolies in the U.S. include providers of water, natural gasoline, telecommunications, and strength.
An example of a monopoly is when one organization is the only provider of cellphone provider in the vicinity. An instance of monopoly is while you say a cat is the only pet that may be aloof. An instance of monopoly is the phone organization which is the best provider of smartphone service in an area.
The question is incomplete. Please read below to find the missing content.
Because monopoly firms do not have to compete with other firms, the outcome in a market with a monopoly
a. is often not in the best interest of society.
b. maximizes total economic well-being.
c. is efficient.
d. benefits consumers more so than the producer.
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When considering third-party service providers to host sensitive data, you should conduct a vendor risk review. What actions does this include?
The actions do this include:
A)Test the vendor's hardware or software.
B)Ask the vendor to fill out a security questionnaire.
Vendor chance management (VRM), or 0.33-birthday celebration danger management, is the management, tracking, and evaluation of dangers that end result from 0.33-celebration carriers and providers of products and services.
An excessive-danger supplier is a 3rd-celebration vendor that has to get the right of entry to a agency's sensitive corporate information and/or handles its financial transactions and has a high risk of information loss. A high-threat seller is also a supplier that an organisation relies upon directly to run its operations.
A seller chance control application reduces the frequency and severity of statistics breaches, records leaks, and cyber attacks regarding 1/3 and fourth-parties, defensive touchy information, PII, PHI, and highbrow property and ensures business continuity.
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Designing a product so that it satisfies customers and meets the profit margins desired by firms is called:______.
Designing a product so that it satisfies customers and meets the profit margins desired by firms is called Target costing.
Target costing estimates product price by subtracting a favored profit margin from a competitive market fee. As the target value makes reference to the aggressive market, it's miles essentially client-targeted and a critical concept for brand spanking new product development.
Goal costing is an approach to determine a product's existence-cycle fee which ought to be sufficient to broaden exact capability and satisfaction, whilst ensuring its desired income. It involves placing a target costing with the aid of subtracting a preferred income margin from an aggressive market price.
The target fee is calculated by means of subtracting the desired profit margin from the goal selling rate. For instance, if a corporation has a target selling rate of $two hundred and the preferred income margin of $40, the employer's target price might be $a hundred and sixty.
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