What aspect of real estate involves giving courses or seminars to real estate professionals and the general public? a) development b) lending c) education d) appraisal

The concept given is Banks, is a financial institution that accepts deposits from the public. The answer is, then we will discuss about the difference between retail and online banks.

A bank is a fiscal institution certified to admit deposits and make loans. Several types of banks include retail, marketable, and investment banks. In utmost countries, banks are regulated by the public government or central bank.

Retail banking, also known as consumer banking or particular banking, is the provision of services by a bank to the general public, rather than to companies, pots, or other banks, which is frequently described as noncommercial banking.

Internet banking, also known as online banking, e-banking, or virtual banking, is an electronic payment system that enables guests of a bank or other financial institution to conduct a range of fiscal deals through the fiscal institution's website.

Online banking is different from retail banking because it provides only electronic modes of deposit or pullout. Because online banks give no"slip up and mortar" locales, deposits and recessions can not be made in a bank office. still, online banks generally give ATM access just like retail banks.

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A financial statement is a document that lists a company's financial activity, a person's financial actions, or the financial condition of any other entity. It contains the income statement, balance sheet, and cash flow statement, which are the three fundamental financial statements.

An income statement, also known as a profit and loss statement, is a financial document that lists a company's sales, costs, and profits and losses for a specific time period. It summarizes a company's financial performance, including its revenue, costs, profits, and losses as well as its net income and earnings per share. One of the most important financial statements that investors and analysts use to evaluate a company's performance is one that determines a company's profitability.

Create an income statement for the current year's month that ended on September 30.

FOR THE MONTH ENDED SEPTEMBER 30, 2020, INCOME STATEMENT Sales Advertisement Cost Lack of funds and excessive insurance costs Supplies Expense Miscellaneous Expense utilities cost Total Costs Gross Loss $30,000 16 3,500 10 2 2 5.00 1.00 78.00 4,200 $23,100 $ – (23,100) (23,100)

Determine and note the ratios for overall costs and net loss. Round percentage calculations to the closest 0.1% and put the percentage for net loss in parenthesis to indicate that it is for a net loss.

Total Expenses to Net Loss Ratio: 100% (Net Loss)

Create a balance sheet for the year's September 30.

AS OF SEPTEMBER 30, 2020, BALANCE SHEET RESOURCES Cash Petty Cash Supplies Receivable - S. Romano Paid-Up Insurance $7,000 75.00 98.00 3,900 40,000 assets totaling $51,073 Liabilities and Equity Supplies and Accounts Payable Plus Capital Cheryl Eiler Summary of Cheryl Eiler's Income Liabilities and equity combined $4,668 $20,000 47,405 $51,073

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They allocate scarce goods and services to consumers who are most willing to pay. They show that the goods are valued and that producers can benefit from increased supply.

The term “fixed price” refers to the legal minimum or maximum price set for a particular product. Price controls are usually imposed by governments on the open market. They are typically implemented as a means of direct economic intervention to control the affordability of specific goods and services, such as rent, gas, and groceries. Even when certain goods and services become more affordable, price controls can often disrupt markets, cause losses for producers, and lead to noticeable changes in quality.

Price controls are government-mandated minimum or maximum prices for certain goods and services.

Price controls are implemented to control the affordability of goods and services in the market.

The lowest price is called floor price and the highest price is called ceiling price.

These controls have only a very short-term effect. In the long run, price controls can lead to problems such as shortages, rationing, poor quality, and illegal markets.

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More resources, such as freshwater, land, clothing, etc., are used by more people. When there are more people, there is a greater need for food to feed everyone on the earth.

Natural resources are those that are derived from nature and used largely unaltered.

This encompasses the origins of desirable traits like those used for business and industry, aesthetic appeal, scientific curiosity, and cultural significance.

On Earth, it consists of the sun, the atmosphere, the water, the land, all the minerals, all the plants, and all the animals.

More people use more resources like freshwater, land, clothing, etc.

More food is required to feed the planet's population when there are more people (more fishing, more farming, more deforestation to make room for agriculture and raising livestock, and so forth).

Therefore, more resources, such as freshwater, land, clothing, etc., are used by more people. When there are more people, there is a greater need for food to feed everyone on the earth.

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Economics is the study of  failure and its counteraccusations  for the use of  coffers,  product of goods and services, growth of  product and  weal over time, and a great variety of other complex issues of vital concern to society.  

At the most  introductory  position, economics attempts to explain how and why we make the purchasing choices we do. Four  crucial  profitable  generalities —  failure,  force and demand, costs and benefits, and  impulses — can help explain  numerous  opinions that humans make.

The study of economics helps people understand the world around them. It enables people to understand people, businesses,  requests and governments, and  thus more respond to the  pitfalls and  openings that  crop  when  effects change.

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Globalization has had a major impact on the trade between countries. It has allowed countries to lower the trade barriers such as tariffs and quotas and allow them access to more markets.

In addition to it, globalization has enabled increased investment flows between countries, giving countries access to capital for development and growth. Finally, better technology and communication have allowed for increased cooperation between countries, allowing for better trade agreements and the free flow of goods and services. All of these factors allowed countries to increase trade with other countries and were a major factor in the growth of world trade.

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The incorrect statement about Medicaid is (D) "only people over the age of 65 can get healthcare through Medicaid, a state-funded program."

Medicaid is a joint federal and state program that assists some persons with low income and resources in paying for medical expenses.

All state Medicaid programs must go by general guidelines established by the federal government, but each state manages its own program.

Medicare is a government health insurance program for persons who are 65 years of age or older, as well as some people under 65 who have specific disabilities or diseases.

Some persons with low incomes and resources can receive health coverage through Medicaid, a combined federal and state program.

Obamacare is a federal statute, but the phrase is also frequently used to describe private health insurance purchased on the individual market through the exchanges.

Medicaid is government-run health insurance that is offered to those with low incomes, and its expansion is a key component of Obamacare.

Therefore, the incorrect statement about Medicaid is (D) "only people over the age of 65 can get healthcare through Medicaid, a state-funded program."

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A unique journal called the cash payments journal is used to track solely cash payment transactions.

A cash receipts journal (CRJ) keeps track of all transactions involving payments made in cash.

Transactions that are paid in cash are recorded in a cash payments log. Paying a commission or creditor, paying interest, or withdrawing cash are all examples of cash payments. Cash payments are noted in the cash payments log if they are ever made.

A special journal is one that solely records a specific type of transaction. Cost of goods refers to the price a company pays for the products it buys to sell. The sum that is added to the cost of goods to determine the selling price is known as markup.

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It would be difficult to rename the W-4 form as it is a well-established term and its name is widely recognized by the public and employers. However, if I were to suggest a new name for the W-4 form, I would call it the "Income Tax Declaration Form" or "Employee Tax Declaration Form." This name emphasizes the purpose of the form, which is to declare an employee's income and withholding tax information to the employer, so the correct amount of taxes can be withheld from their paycheck.

This name would be more straightforward, self-explanatory, and easy to remember, which would help people understand the importance of the form and encourage them to complete it correctly. Additionally, this name would also align with the purpose of the form and the fact that it is a tax-related document.

It's worth noting that renaming the W-4 form would be a complex task that would require a lot of work in terms of communication, education, and implementation.

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All of the following are true regarding rebates except D) Rebates are allowed if it is in the best interest of the client.

Rebates are an increasingly popular way to get money back from purchases, but there are some things to keep in mind when considering them. Firstly, it’s important to ensure that the rebate is legitimate and from a reputable source.

Additionally, although rebates are often used to entice customers to purchase a product, they should not be relied upon to make a purchase decision.

Finally, it’s important to remember that rebates are not always allowed if it is in the best interest of the client. Therefore, it’s important to do your research and make sure that a rebate is the right way to go before making a purchase.

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People have an interest in self-protection,sporting pleasure,or hunting, and therefore want to have guns and pistols.

Society has an interest in reducing injuries and deaths caused by the use of such devices as weapons involved in crime or accidents.Individual interest is conceptualized as a relatively stable affective-evaluative orientation towards certain subject areas or objects.A high level of interest in a particular subject area implies close associations between that subject area and attributes related to positive feelings and values. When a person works as a receptionist and smokes tobacco cigarettes, if it affects his service regarding irritating customers the organization will expect the person to smoke at a time that does not affect their provision of services. Cook and bake.

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The coefficient of variation for Stock X is 368.42% and for Stock Y is 153.85%.

To calculate the coefficient of variation (CV) for each stock, we need to divide the standard deviation of expected returns by the expected return and multiply by 100 to get the percentage.

For Stock X:

CV = (35% / 9.5%) * 100 = 368.42%

For Stock Y:

CV = (20% / 13%) * 100 = 153.85%

So, the coefficient of variation for Stock X is 368.42% and for Stock Y is 153.85%.

Please note that the Coefficient of Variation (CV) is used to compare the relative volatility of two stocks and it is calculated by dividing the standard deviation of the stock's return by its mean return. A low CV indicates that the stock's return is more predictable, while a high CV indicates more volatility.

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Given, the principal amount is 5250$, and the rate of interest is 6.5% annually. And since no time period is mentioned, the default time period would be 1 year.

The formula for Simple Interest:

Simple Interest (S.I) = (Principal amount X Time Period X Rate of Interest) / 100

Now substitute the corresponding values in the formula,

[tex]S.I = \frac{5250 * 1 * 6.5}{100}[/tex] = 341.25$

Therefore, the simple interest is 341.25$.

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Water pollution has a wide range of causes, but it may be divided into two main categories: direct sources and indirect sources of pollutants.

Direct sources include effluent discharges from industries, refineries, waste treatment facilities, and other facilities that release fluids of different quality into metropolitan water systems.

Pollutants that enter the drinking water supply via soils and groundwater systems and from the atmosphere through rainwater are examples of indirect sources. Human-made agricultural practices (fertilizers, insecticides, etc.) and illegally disposed industrial pollutants leave a deposit in soils and groundwater.

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The unemployed workers and their families spend lower, which weakens demand performing in poor economy.

While economists and scholars argue that a certain degree of natural severance can not be excluded, extreme severance imposes significant costs on the person, community, and country. Underemployment may be extensively dangerous to society's economy as well. Severance numbers include those who work in low- paid or low- skill occupations that don't give enough full- time hours to qualify for benefits or to earn a inhabitable pay envelope.. The profitable counter accusations may extend beyond reduced consumption. In a difficulty, numerous people may turn to their withdrawal savings, and depleting these finances has long- term consequences.

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Adjustable lifestyles insurance is a time period and complete life hybrid insurance sketch that permits policyholders the alternative to alter policy features.

Adjustable lifestyles insurance is a hybrid of time period lifestyles and total lifestyles insurance plan that allows policyholders the choice to regulate policy features, along with the period of protection, face amount, premiums, and size of the top class payment period.

Adjustable existence insurance is a structure of permanent existence insurance. Unlike a time period policy, adjustable lifestyles insurance remains in effect for the rest of your life, as long as premiums are paid. However, policyholders are normally in a position to modify their top class payments, cash cost quantity and even their dying benefit.

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cattle/calves, corn, soybeans, dairy products/milk, broilers, hogs, miscellaneous crops, wheat, chicken eggs, and hay:

Explanation:

Answer:

False.

Explanation:

High school graduates have a better selection of high-paying jobs while people who do not graduate high school have a much lower list of job options with much lower pay.

It's a way of life to manage your money well! You can save for future requirements by staying within your income while making on-time, full bill payments. You'll achieve your largest financial objectives if you match your spending patterns with the things that are most important to you.

Some methods to follow for money saving and spending are-

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When your manufacturing expenses exceed your entire revenue for a certain time period, you have a negative profit margin.

This indicates that your business model is not sustainable because you are losing money rather than making it. Many businesses experience negative profit margins as a result of unforeseen costs or outside influences. Negative profit margins require you to find other ways to cover your expenses, such as approaching new investors or getting loans.

Negative earnings might result from a drop in sales while keeping costs the same. The amount of money you make from sales is your revenue. Your revenue may decrease if your sales over a given time period are lower than they have been in the past.

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The different types of budgeting are as follows:. Zero-based budgeting, Incremental budgeting and  Activity-based budgeting.

1. Zero-based budgeting: This type of budgeting requires all expenses to be justified for each period. For each expense, a manager must provide a reason why it should exist. The goal of zero-based budgeting is to ensure that every dollar spent is optimized to its fullest potential.

2. Incremental budgeting: Incremental budgeting builds upon an existing budget, making changes based on what was previously spent. This approach typically takes into account inflation and cost increases when setting a new budget.

3. Activity-based budgeting: This method looks at the activities and processes used to generate services and products, and determines how much money should be.

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Answer:

The price is higher then it was yesterday

Explanation:

A higher level of productivity causes the SRAS curve to move to the right because businesses can produce more output at all price points.

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FHA loans are excellent for first-time homebuyers because, in addition to lower up-front loan costs and less stringent credit requirements, you can make a down payment as low as 3.5%.

Giving money to someone else in exchange for repayment of the principal plus interest is known as a loan. Before agreeing to issue a loan to a potential borrower, lenders will take into account their income, credit score, and debt load.

A loan is a financial product that enables a user to access a predetermined amount of money at the commencement of the transaction with the requirement that this amount, plus the negotiated interest, be returned within a given time frame. Regular payments are made to repay the loan.

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Germany had to pay an amount of 6.6 billion pounds for the reparations after world war 1 for the Allied parties according to article 231 of Treaty of Versailles.

Germany was reprimanded for the loss and damages created by world war I, which greatly affected Britain and France. For which the Treaty of Versailles in 1922 not only charged Germany with the war and its repercussions but also mandated a financial reimbursement for the whole war of about 132 billion gold marks which was US$33 billion and 6.6 billion pounds in the UK. Germany also had to pay additionally to its Allies for the machinery and manufacturing which resulted in US$23 billion. Whereas reparations to the Soviet Union were halted in 1953.

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A type of insurer that is owned by its policyowners is called. A mutual insurer is owned via its policyowners.

A lifestyles insurance plan organisation has transferred some of its risk to every other insurer. The insurer assuming the hazard is called the. reinsurer.

Since a mutual insurance plan employer is owned through its Whole Life insurance policyholders, it is prevalent for these mutual insurers to pay dividends yearly lower back to its Whole Life policyowners.

Reinsurance is additionally recognised as insurance plan for insurers or stop-loss insurance. Reinsurance is the practice whereby insurers transfer parts of their risk portfolios to other events with the aid of some shape of settlement to minimize the likelihood of paying a massive obligation resulting from an insurance plan claim.

what A type of insurer that is owned by its policyowners is called?

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The wealth gap refers to the discrepancy in total assets between races and ethnicities, as opposed to the wage gap, which refers to the difference in earnings from labor among different races and ethnicities.

The term "income gap" refers to the difference in earnings between two groups, such as the 1 percent and the 99 percent, white and black Americans, or, more generally, the haves and the have-nots.

While the income gap only considers income, the wealth gap also considers assets and net worth (assets minus debts).

Some step to reduce the wealth gap are-

Although there are strict laws in place, there is still inequality because of societal and cultural attitudes and practices.

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A hard inquiry stays on our credit report for two years but its impact to our credit score will diminish over time.

After the first six months, a hard inquiry will only affect your credit score for up to one year. After a year, it will no longer be factored into our credit score. This is because lenders are typically more interested in our recent credit activity than events from the distant past.

It is important to remember that a single hard inquiry is not likely to have a major impact on our credit score. However, many hard inquiries in a short period of time may signal to lenders that you are desperate for credit and could cause our score to drop.

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Answer:

Some California cities do. These curfews are usually 10 p.m. during the weekdays and 12 a.m. on the weekends. Certain circumstances will allow a minor to remain out after hours. These exceptions include religious, political or educational activities, work or emergencies, or activities with or for a legal guardian.

(a) the following is an example of a scarce factor of production.Land is the scarce factor of production.

Aircraft are capital goods used to produce transportation services therefore,they are a factor of production. Planes are also in short supply. Money is the scarce production factor. Scarce factors of production refer to the resources needed for production, but they exist in limited quantity. You're probably used to thinking that natural resources like titanium, oil, coal,gold,and diamonds are scarce.Resource scarcity refers to the situation where resources are limited in quantity and have alternative uses in the production of various commodities.Assistance and training that makes the experience of the Secretariat and member countries available to countries undertaking economic reforms.

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