Securitized mortgages were the largest capital market security outstanding in 2019 when compared to market value.
The majority of mortgages are securitized, which means the loans are bought, sold, and bundled together to form a mortgage security that is profitable to trade on the capital markets. These securitizations are commonly known as mortgage-backed securities, or MBS, despite the fact that they can take many various forms.
If a mortgage is securitized, timely mortgage payments by homeowners are unaffected. Even though the organization handling the loan's servicing may change when a loan is securitized, the homeowner simply keeps making monthly payments to the servicer. The question of who owns the loan does matter, though, for homeowners who are having trouble making payments.
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The brokerage firm department that prepares and mails trade confirmations to customers is the? a margin department b purchase and sales department c reorganization department d order department
The brokerage firm department that prepares and mails trade confirmations to customers is the purchase and sales department.
The purchase and sales department is a brokerage firm department which prepares and mails trade confirmations to the customers. This margin department keeps a record of the securities positions, and as also the debit and credit balances which are in the customer accounts.
The reorganization department of a brokerage firm tends to handle the corporate reorganizations such as takeovers and tender offers. Whereas, the order department routes orders to the appropriate exchange.
Thus, a brokerage firm primarily acts as a middleman in connecting the buyers and sellers in order to facilitate a transaction.
Hence, option B is correct.
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International trade decreases the demand for workers in domestic industries that?
International trade decreases the demand for workers in domestic industries that Real wages in several industries have been known to decline as a result of international trade, depriving a portion of the population of their wage income.
The amount of this impact may be greater than any potential effect resulting from wages, yet cheaper imports can also lower domestic consumer prices. Greater specialization and more effective resource management result from international trade, which frequently lowers prices, increases output, and boosts productivity.
When the volume of imports exceeds the volume of exports, international trade could, from an economic perspective, increase the debt of the nation. Thus, a nation needs to have a sound financial management system to guard against potential losses brought on by international trade.
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After identifying a gap in the soft drinks market, jerome developed a low sugar drink. he borrowed $5000 from family and friends to start up a business and to provide working capital. jerome operates as a sole trader. to promote his product, jerome handed out free samples in town centre. in the first year, jerome's business sold 10000 units. this is 200 units more than his break even output. jerome is considering ways to increase added value. outline two ways that break even information can help jerome's business?
Jerome can use break-even analysis to calculate the amount of income or the number of items needed for the business to become profitable.
Break-even analysis can be used by Jerome since it will assist him to increase added value while preventing costs from drastically shifting.
The point at which total revenue and total cost are equal is known as the break-even point. The amount of income or the number of units required to pay all of your company's costs is determined by a break-even study. You won't be making or losing money at break-even, but all of your business's expenses will have been paid.
When your business, service, or product will begin to earn a profit, you may predict it using a financial tool called a break-even analysis. It is a mathematical formula used to calculate how many goods or services a business must sell to cover costs, particularly fixed costs.
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In one-to-one marketing, which activity is associated with interaction with customers?
In one-to-one marketing, Initiating more dialogue with customers activity is associated with interaction with customers.
What are Customers?A customer is referred to as an individual who purchases goods and services. He may or may not be the consumer. A consumer is referred to as an end user of any product who utilizes it for self-use.
One-to-one marketing is referred to as marketing in which individual attention is paid to customers and tries to persuade them to make a purchase.
To interact with customers in one-to-one marketing, it is important to initiate dialogues to make them engaged with the products and helps to understand their mindsets for the purchase, and tries to influence them.
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Generally, the revenue account for a merchandising business is entitled :_______
a. sales
b. gross sales
c. fees earned
d. gross profit
The Right Response is Option A
A) Sales.
Sales is the name of a merchandising company's revenue account. As a result, we simply use the term "revenue" instead of "net sales account" or "sales revenue account." Net sales is the term used to describe the sum of the gross sales, sales returns, and allowances.However, the merchandising worksheet will also include the following account titles and amounts: purchases, sales tax, accounts payable, product inventory, and accounts receivable.What does the business sell?The term "sales" is used to describe any actions taken in order to sell a something or service to a customer or business. However, in actuality, it symbolises much more. In order to close a sale successfully, a lot of work must be put into finding prospects, developing connections, and offering consumers solutions.To Learn more about Sales, Click the links.
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To what extent do you think the government should be involved in the free enterprise economy?
The involvement of government in the free enterprise economy should be strictly limited.
What is free enterprise?
An economy where the market sets pricing for goods and services, not the government, is known as free enterprise or the free market. Government control over businesses and services is not present. Alternatively, the term "free enterprise" could refer to a philosophical or legal framework in which the majority of controls over commercial activity come from the private sector.
Government's participation in the free-market economy should be rigorously constrained. However, the government could step in to take the following actions:
To make sure that revenue is shared fairly among all members of society. To control monopolistic behavior and unethical commercial activities that limit market competition.To overcome a failing market.To implement tax reform and impose business taxes.To implement monetary and fiscal policy during recessions.To Apply automatic stabilizers.To upgrade the infrastructureTo offer assistanceTo know more about free enterprise, go to URL
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Khalil is offered a free ticket to the opera. his opportunity cost of going to the opera is:_________
Regardless of what Khalil would have done if he had not attended the opera.
What is the opportunity cost?Opportunity cost is the expense associated with the advantage that a person forgoes while choosing one option over another.
We frequently have a variety of options from which to choose. We overlook the others once we've made our decision. The gain overlooked by choosing one alternative over another is known as the opportunity cost.
If Khali attends the opera in this situation, he undoubtedly misses what he would have done at that time. He might have made some money as well because time has other uses.
The opportunity cost of going to the opera in this instance is therefore whatever he would have done concurrently.
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When kraft focused on cost cutting with its older, established brands, leaving them to wither without much investment or modification, kraft decided to ________ the older products.
When kraft focused on cost cutting with its older, established brands, leaving them to wither without much investment or modification, kraft decided to Harvest the older products.
In order for the parties concerned to reap—or, harvest—the most possible profits, a harvest strategy is a marketing and business plan that entails a reduction or termination of investments in a product, product line, or line of business. When it is judged that additional investment won't increase product income in the future, a harvest plan is often used toward the conclusion of a product's life cycle.
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The _____ of algeria includes 3,973 km of railroads, 104,000 km of roads, and 54 paved airports. it also has only five telephones for every 100 citizens and only two internet service providers.
The infrastructure of Algeria includes 3,973 km of railroads, 104,000 km of roads, and 54 paved airports. it also has only five telephones for every 100 citizens and only two internet service providers.
What is Infrastructure?Infrastructure can be described as the set of facilities as well as the systems that is been used in the country, city, so that the country can be habitable for the public.
This consist of services and facilities necessary for its economy, hence The infrastructure of Algeria includes 3,973 km of railroads, 104,000 km of roads, and 54 paved airports. it also has only five telephones for every 100 citizens and only two internet service providers.
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Buying products produced in another country is known as:_________
a. importing.
b. trade protectionism.
c. comparative advantage.
d. exporting.
Buying products produced in another country is known as Importing.
What are imported goods?It is most common for nations to import commodities or services that their domestic businesses are unable to provide as effectively or inexpensively as the exporting nation. A nation may also import goods or raw materials that are unavailable inside its boundaries. For instance, many nations import oil because they either cannot generate it domestically or cannot produce it in quantities sufficient to meet demand. Which items and resources are more affordable to import are frequently determined by free trade agreements and tariff schedules.
Free-trade agreements and a reliance on imports from nations with less expensive labor appear to be the main causes of the reduction in manufacturing jobs in the importing country. The ability to import goods and materials from regions with less expensive production increases with free trade, which also lessens reliance on indigenous commodities. Between 2000 and 2007, there was a noticeable effect on manufacturing jobs, which was compounded by the Great Recession and the subsequent slow recovery.
Thus, purchasing goods from outside nations is called Importing.
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A+cpa+may+redesign+a+client's+payroll+system+and+charge+a+fee+calculated+as+25%+of+the+next+four+years'+cost+savings,+which+is+called+a(n):________
A CPA may redesign a client's payroll system+ and charge a fee calculated as 25% of the next four years' cost savings, which is called a(n) contingent.
A Certified Public Accountant (CPA) is a person who has attained professional qualifications through a combination of education, experience and licensing. A chartered accountant is not the same as an accountant. Accountants are typically professionals with bachelor's degrees in accounting. A CPA, or Chartered Accountant, is a professional who has obtained her CPA license through a combination of education, experience, and testing.
Certified Public Accountant (CPA) course is the premier credential for accounting education. Career possibilities for CPA are endless as you can work for a company, practice accounting, or work for an individual. For candidate resumes, CPA is a respectable credential
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________ is a statement about what will happen or might happen in the future, for example, predicting future sales or employee turnover.
Regression is a statement about what will happen or might happen in the future such as future sales or employee turnover.
What is Regression Analysis?Regression Analysis can be described as the statistical technique, which is been used in the evaluation of the relationship between two or more variables.
It should be noted that the Regression analysis can be used in an organization to understand data points and what it represent, hence Regression is a statement about what will happen or might happen in the future such as future sales or employee turnover.
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Training is a key element for an organization pursuing a commitment based hr strategy. .
The statement is True.
Training is a key element for an organization pursuing a commitment that is based on hr strategy.
Training is a vital element existing in an organization for the purpose of pursuing a commitment that is based purely on HR strategy. This course will use training for building knowledge, skill as well as attitudes so that employees can work quickly and flexibly as well without waste of time. In order to enhance the transfer of the learning program, training should have developed and delivered by those who are specialized in training.
Training along with development is one of the major functions included in the department of human resource management. It refers to a systematic order of setup where employees are instructed well to proceed further and taught technical knowledge-related matters on behalf of their jobs.
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The given question is incomplete, the correct question is :
Training is a key element for an organization pursuing a commitment-based hr strategy. True or false?
The ________ function calculates the periodic interest for a specified payment period on a loan or investment.
The NPER(Number of Periods) function calculates the periodic interest for a specified payment period on a loan or investment.
So the correct filling is NPER(Number of Periods)
What is periodic interest
The quantity of compounding periods has a direct impact on the periodic interest rate of a loan or investment. If an investment accumulates monthly and has an effective annual return of 12%, its periodic rate is 1%. If you were to compound the daily periodic rate, its periodic interest rate would be 0.00033, or the equivalent of 0.03%. An investment grows more fast the more often it compounds. Consider that a $1,000 investment has two options. Option one provides an annual interest rate of 8% to the investor, and the interest grows on a monthly basis. Option 2 offers the investor an annual compounded interest rate of 8.125%.
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If demand for a good is inelastic, what would the demand curve for this good look like?
If demand for a good is inelastic, what would the demand curve for this good look like the Downward sloping and relatively steep.
Demand for good is said to be inelastic when there is less change in quantity demanded due to more change in price.
If there is 5% change in price of the good or services , there will be less than 5 % change in quantity demanded.
Perfectly inelastic demand refers to the no change in the quantity demanded due to change in price .
Perfectly inelastic demand curve will be vertical straight line parallel to y axis.
some examples are essential items such as medicines , it is essential for life, so consumer will buy no matter what the price is.
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When an employee works in year 1 but is paid in year 2, the company must recognize an expense in year(s) _____
When an employee works in year 1 but is paid in year 2, the company must recognize an expense in year(s):
There is no income statement affect in Year 2There is no cash flow affect in Year 1both an expense and liability are recorded in Year 1What is income statement?
A company's financial performance over a certain accounting period is reported using three primary financial statements: the balance sheet, the statement of cash flows, and the income statement.
The income statement, which is often referred to as the profit and loss statement (P&L) or the statement of revenue and expense, is primarily concerned with the company's revenue and expenses for a specific time period.
Knowing how to study an income statement is the greatest approach to evaluate a firm and determine whether you should invest.
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A fountain ejects water through the four nozzles, which have inner diameters of 10mm. determine the pressure in the pipe and the required volumetric flow through the supply pipe
A fountain ejects water thru the four nozzles, which have internal diameters of 10mm. decide the strain within the pipe and the specified volumetric drift via the supply pipe: right here, the total stress to be had in the pipe head is used by the nozzles equally.
The diameter of a circle is any immediate line phase that passes via the center of the circle and whose endpoints lie on the circle. it can additionally be described as the longest chord of the circle. each definition also is legitimate for the diameter of a sphere.
Definition of DIAMETER: A measurement used to indicate the dimensions of a circle based on the length of a straight line that starts off evolved and ends at the threshold of the circle and also passes via the center of the circle. Diameter is represented by using the image and is generally abbreviated to "dia" or "d".
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The set of financial activities that support the operations of a business is best described by which main area of finance?
THE primary area of finance best describes the collection of financial activities that support the OPERATIONS of a business Finance for businesses.
Corporate finance: what is it?
Globally, corporate finance is defined in a variety of ways. For instance, it is used more broadly in the US than it is in the UK to describe actions, judgments, and strategies pertaining to a variety of capital allocation-related topics, including as the financing of new projects, acquisition and disposal of assets, and the creation and management of cash.
Corporate transactions that result in the formation of new capital structures and/or a change in ownership are frequently linked to corporate finance.
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Janet woo received the following grades in an accounting class at mcclenan community college: 65, 80, 70, 100, 75, and 90. the instructor said he would drop the lowest grade. what is janet's average?
Janet's average grade is 83.
65, 80, 70, 100, 75, and 90... six grades in all
The lowest grade is 65, so dropping 65 leaves five total grades
(80 + 70 + 100 + 75 + 90) / 5. = 83.
What is accounting?Accounting is the process of documenting a business's financial transactions. These transactions are compiled, examined, and reported to oversight organizations, regulatory bodies, and tax collection organizations as part of the accounting process. A company's operations, financial condition, and cash flows are summarized in the financial statements that are used in accounting. They provide a succinct summary of financial transactions across an accounting period.
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Recognizing patterns generates ______ that let entrepreneurs see everyday objects in new light. insights actions demand observation
Recognizing patterns generates insights that let entrepreneurs see everyday objects in new light. insights actions demand observation
Broad insight must be accompanied by qualified skills in running this entrepreneur. This is another factor that supports success in entrepreneurship, which is important for every entrepreneur to have. In this context, an entrepreneur is able to apply his insights and skills to develop his business.
Entrepreneurship is an activity for doing business or independent business. In this activity, all income and resources are borne by the perpetrators who carry out entrepreneurship or are called entrepreneurs. In practice there are several mentions for this one activity but still in the same context.
The factors that support success in entrepreneurship are:
Have Insights About EntrepreneurshipHave Entrepreneurial SkillsDare to Take a StepDare to take risksHave High CreativityHave High ConfidenceYou can learn more about entrepreneurship supply here brainly.com/question/18203575
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Net income is the amount:_________
a) by which assets exceed expenses.
b) by which assets exceed expenses.
c) revenue.
d) by which assets exceed liabilities.
e) by which revenues exceed expenses.
Option (e) by which revenues exceed expenses is correct.
Net income is the amount by which revenues exceed expenses.
What is Net income?Net income is defined as an entity's income less cost of goods sold, costs, depreciation and amortization, interest, and taxes for a certain accounting period in business and accounting.It is calculated as the sum of all revenues, profits, and losses during the period less all expenses, losses, and gains. It has also been described as the net growth in shareholders' equity as a result of a company's operations. It's not the same as gross income, which solely deducts the cost of the things sold from revenue.Net income is the (gross) income for families and individuals less taxes and other deductions (e.g. mandatory pension contributions).Learn more about net income here:
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The total overhead assigned to actual production at any point in time is called? a.non-unit-based overhead. b.budgeted overhead. c.applied overhead. d.overhead assignment.
The total overhead assigned to actual production at any point in time is called applied overhead.
The applied overhead can be defined as the applicable cost rate for the cost object. A cost object is any item a business buys that also costs more to maintain or own, such as a product, distribution channel, product line, subsidiary, geographic area, customer, staff, or process.
Examples of overhead applied to a cost object could be rent, insurance or staff compensation. The amount of overhead applied is usually a standard application rate which can only change after a long interval. This is because of this price variable, the amount of overhead applied during one period may differ from the standard applied overhead in another period.
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General-purpose financial statements are the product of:____.
a. financial accounting.
b. managerial accounting.
c. both financial and managerial accounting.
d. neither financial nor managerial accounting.
General-purpose financial statements are the product of: both financial and managerial accounting.
What is the definition of general purpose financial statements?The general definition of financial statements is to provide information about the effects of operations, financial position, and cash flows of an organization. This information is employed by the readers of financial statements to make judgments regarding the allocation of resources.
What are the three general objective financial statements?
The balance sheet, income statement, and cash flow information each offer unique pieces with information that is all connected. Together the three statements give a comprehensive portrait of the company's working activities.
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The loss of which normal property results in the immune system producing antibodies against its own cells?
The loss of Autoimmunity normal property results in the immune system producing antibodies against its own cells
.This is further explained below.
What are antibodies?Generally, a protein found in the blood is created as a reaction to a particular antigen and acts to neutralize it.
Antibodies form a chemical bond with organisms that the body identifies as foreign, such as bacteria, viruses, and other things that are present in the blood that is not naturally occurring.
In conclusion, When the normally occurring trait of autoimmunity is lost, the immune system begins to produce antibodies that target the body's own cells.
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Home hoarding realty is advertising to the public that their managing broker has been in the business 37 years and has sold over 1,250 homes. this is an example of?
The correct answer is institutional advertising.
Institutional advertising is defined as promotional efforts meant to enhance a brand's reputation, create a favorable perception of a brand, or motivate consumers to support a particular brand or institution.
What kinds of advertisements are used in institutions?Radio, television, print, and internet media are the most popular forms of institutional advertising because they allow businesses to communicate their message through discourse. Non-conventional media is also included in public spaces.
What is the objective of institutional advertising?Institutional advertising works to improve a company's reputation as a whole rather than just one particular item or service. The company also works to promote its concepts and values, as well as its goal and vision.
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In the circular flow example, the amount of income that is flowing into the household sector is ___________ .
In the Circular Flow example, the amount of Income that is flowing into the Household sector is $5000
What is the Circular Flow model?
This refers to an economic model that shows how money moves through society. It captures how money flows from producers to workers as wages and flows back to producers as payment for products, that means that an economy is an endless circular flow of money.
In most typical economic model, the circular flow model starts with the household sector which engages in consumption spending (C) and the business sector which produces the goods.
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The globe project dimension that focuses on how much unequal distribution of power should exist in organizations and society is _____.
The GLOBE Project dimension that focuses on how much unequal distribution of power should exist in organizations and society is power distance.
What is power distance.?Power distance can be described as the extent the members of the members of organizations and institutions that do not have much power to accept as well as expect unequal power distributions.
It should be noted that it is measured not only from the perspective of the leaders, hence GLOBE Project dimension that focuses on how much unequal distribution of power should exist in organizations and society is power distance.
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The quantity of products that people are willing to buy at different prices at a specific time is called:__________
The quantity of products that people are willing to buy at different prices at a specific time is called quantity demanded.
Quantity demanded is a term which is used in economics to describe the total amount of goods and services which the consumers demand over a given period of time.
It depends upon the price of a good and service in the marketplace, regardless of whether the market is in equilibrium or not.
The relationship between the quantity demanded and the price of the good is known as the demand curve or in other words it can be the demand.
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A situation where quantity supplied is greater than quantity demanded is called a?
Market Surplus is situation where quantity supplied is greater than quantity demanded
When there is an excess of supply—that is, when the amount provided exceeds the amount demanded—a market surplus results. Some manufacturers won't be able to sell all of their products in this circumstance. This will encourage them to reduce their pricing in order to increase the allure of their goods. Many businesses reduce their pricing in an effort to remain competitive, which lowers the market price for the product. Customers will increase their amount required in reaction to the decreased price, driving the market it towards an equilibrium price and quantity. The price of the commodity has been under pressure to decline in this circumstance due to an abundance of supply.
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In the financial projections section, the sba recommends this for the projections for the first year:______
In the financial projections section, the SBA recommends this for the projections for the first year quarterly or monthly projections.
Financial ProjectionsOne of the most crucial things you can do for your business each year is to plan out and work on your company's financial projections. The process itself frequently has more significance than the outcomes, or formal projections. At a minimum, strategic planning enables you to "come up for air" from the day-to-day challenges of managing the business, assess its current state, and chart a clear way forward.
Regular planning also assists your business in adjusting to change on both an internal and external level. You are better equipped to identify issues and possibilities by routinely reevaluating your company's capabilities, markets, and competition.
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