Answer:
Texas state laws are highly concerned with third-party collection agencies hassling consumers. State laws require that debt collectors prove they are bonded and licensed to collect delinquent funds. A debt collector must validate or prove it is the legitimate owner of a debt and provide the consumer with specific information about the debt. The Texas finance code states that collection agencies must tell you the name of the original creditor, the original date of default or non-payment, the date the debt was transferred from the original creditor to the third-party debt collector, and the original balance and current balance. If the debt collector refuses to provide the information, state law views it as an admission of inaccurate debt collection. The consumer then has the right to have all debt collection efforts stop and to have the debt permanently removed from any consumer credit reports. The debt collector must be bonded in the state of Texas and have legal authority to collect fees, interest, and expenses. Texas offers programs to monitor credit reports, help repair credit history, and make payment plans.
While federal credit and loan laws are more concerned with fair and accurate business practices, Texas state law is more concerned about debt collection by third parties and repairing credit history. It indicates that when it comes to credit and loans, the biggest problems Texans experience are high debt, debt collections, and poor credit ratings. Texas is less concerned with fair credit practices by creditors and more concerned with how to keep its consumers from defaulting on loans. They also seem to be concerned with fraudulent collection agencies going after consumers and with false financial information being placed on consumer credit reports. The Fair Credit Reporting Act tells consumers to alert CRAs to investigate disputed claims, and the CRAs then have 30 days to investigate a claim and determine if it is inaccurate, incomplete, or unverifiable. In Texas, the state advises consumers to contact the collection agency and request information to validate the collection. Texas gives the collection agency 30 days to respond. If the collector doesn’t respond, the case must be removed, if the agency does respond, the debt is considered legitimate. The state does not refer to CRAs at all.
The state’s website does address identity theft, which can lead to fraudulent use of credit. Texas recommends its citizens invest in an identity protection plan for $10 a month. It also encourages people to invest in a credit report service for $14.95 a month. The Fair and Accurate Credit Transactions Act advises people that they have the right to access three free credit reports a year. The act also states that consumers have the right to have their account flagged by CRAs in the event of identity theft. Texas does not mention any of these rights and services. However, the state provides a lot of links and pages advertising businesses that consumers can pay to help them with credit history and identity theft. The state does not alert people to any free rights and services guaranteed by federal law.
Explanation:
PLATO
The tendency for managers to compare the performance of divisions within a company to each other using the same metrics regardless of each division's unique characteristics is known as _____ bias. a.surrogation b.division c.metrics dmon measures
Answer:
Metrics Bias.
Explanation:
Metrics is defined as a standard of measurement while bias can be explained to occur when there is lack of fairness in arriving at a decision.
Using the same metrics within a company to evaluate the performance of different divisions where each division has its own unique characteristics will not give a fair decision and due to metrics bias as the metrics used may tend to favor some divisions more than others.
How much will a $1.42 loaf of bread cost in 25 years based on inflation?
A. $1.99.
B. $2.54.
C. $3.41.
D. Can't figure because we don't know the inflation rate.
Inflation is the fluctuation or the gap between the changes in the prices of goods and the unit value of the domestic currency. In the context of economics, the inflation rate reflects the increase or decrease in the purchasing power of the consumer of the goods.
The correct option is D. Can't figure because we don't know the inflation rate.
The future cost of the goods is based on the current cost and the number of years require for the inflation rate due to which the future cost needs to be determined.
The inflation rate is the percentage rate for the changes in the unit value of the currency over a period of time.
For determining the per-unit cost of goods based on inflation we need to know the inflation rate without the inflation rate the future cost of the goods cannot be determined.
To know more about inflation, refer to the link:
https://brainly.com/question/3473705
What is “bootstrapping?”
Brian is studying the lml process. He is learning about the connection between the brain and mind and is conceptualizing it in a specific sequence. The correct sequence is
Correct/Complete Question:
Brian is studying the LML Process. He is learning about the connection between the brain and mind and is conceptualizing it in a specific sequence. The correct sequence is __________.
A. mind, brain–mind interface, stimuli, brain
B. stimuli, brain–mind interface, brain, mind
C. brain–mind interface, stimuli, mind
D. stimuli, brain, brain–mind interface, mind
Answer:
D. stimuli, brain, brain–mind interface, mind
Explanation:
The LML process, abbreviation for the Let Me Learn process is a learning process that suggests how learning stimuli pass through filters as the stimuli moves from the brain to the mind.
The sifting of this stimuli gives rise to the functions that are known as Patterns of Operation. This refers to the mode and way through which we learn and do things.
According to the question, the correct sequence for the conceptualization of the connection between the brain and mind is stimuli to brain to brain-mind interface to mind.
This means that when humans are learning, the first thing is registering the new thing as stimuli and passing it to the brain; thereafter which it is passed to the brain-mind interface and finally the mind where it sticks.
Cheers.
which of the following is NOT on a credit report
Late medical payments
Repayment history
Buying habits
Public records
Answer: The correct answer to the question is option C
BUYING HABITS.
To effectively answer the question,let's look at the definition of credit report and the options given..
A credit report is simply a record that is reported by one's lenders and creditors to the credit agency.they contains one's personal information, public records, credit enquires and credit account history.
LATE MEDICAL PAYMENT, REPAYMENT HISTORY AND PUBLIC RECORDS all has to do with credit
bureaus while buying habit doesn't have anything to do with credit bureaus rather it is when an individual or consumer purchases a particular type or brand of product concurrently without a change in another brand of the same product.it is mostly as a result of the satisfaction the individual gets from that brand of product.
What is a mass number
3. List the possible fees associated with a checking account and describe where you can find out about these fees.
Answer:
Three possible fees associated with a checking account:
ATM fees: they usually applied to ATMs that are for general purpose, or that are not affiliated to your bank.Overdraft fees: they occur when you try to withdraw more money than you have on your account, or when you overspend. They can be avoided by keeping control of how much money you have left.Lost card fee: in case you lose your card and need the bank to issue it again, the bank will likely charge you a fee.
sksksksksk... Best answer gets brainiest
say sksksk one more time and I will shove my Hydro flask on your esksksksophagus
Answer:
Explanation:sbsbbsbsbsbsbsbssmsms,
Define a Small Scale Enterprise as per ‘MSMED Act, 2006’.
Explanation:
the Government of India has in acted, small and medium enterprises development (MSMED) Act, 2006 in terms of which the definition of micro, small and medium enterprises is an enterprise where the investment in plant and machinery is more than rate 25 lakh but does not exceed rate.
1. Which task is performed by a book - Keeper
A) analyzing the trading results -
B) entering transactions in the ledger
C) preparing year - end financial statements -
D providing information
decision-making
for
Answer:
B.
Explanation:
A book-keeper is an employee hired for keeping a day-to-day record of financial transactions in ledger. The book-keeper performs the task of book-keeping of financial transactions of a company or enterprise.
The financial transaction includes sales, purchases, payments, etc. These enteries are recorded in a general ledger. This entering of financial transactions has to be done on daily basis.
Thus the correct answerr is option B.
how do you find tax liability from taxable income?
Answer:
How to calculate tax liability from taxable income
Explanation:
Your taxable income minus your tax deductions equals your gross tax liability. Gross tax liability minus any tax credits you're eligible for equals your total income tax liability. hope this helps you :)
Felipe is an illegal immigrant seeking work in the U.S. He is hired by a small factory doing manual labor. When it is discovered that Felipe is an illegal immigrant. Which is the correct answer? A. Felipe cannot be deported, but the employer can be punished. B. Felipe cannot be deported, and the employer will not be punished. C. Felipe can be deported, and the employer will not be punished. D. Felipe can be deported, and the employer can be punished.
Answer:
its D. felipe can be deported and the employer can be punished
Explanation:
4.
manager wants to give a pay rise to everyone who is paid less than the average salary.
This table shows the annual salaries of the employees in the company.
Employee
Salary (in £ thousands)
AJ
16
TM
23
WF
23
SW
22
MT
15.5
RD
18.5
JR
20
LS
23
PB
36
Tick all of the employees who are paid less than the median salary.
Answer: AJ, MT, RD, Jr
Explanation:
Given the following data :
AJ - 16
TM - 23
WF - 23
SW - 22
MT - 15.5
RD - 18.5
Jr - 20
LS - 23
PB - 36
Median salary can be calculated thus :
Arranging salary in ascending order of Magnitude :
15.5, 16, 18.5, 20, 22, 23, 23, 23, 36 (£ thousand)
Meduan salary is the 5th figure in the arrangement = £22 thousand
Therefore, those earning less than the median salary are:
AJ, MT, RD, Jr
Harry owes the bank money. To repay his debt, he paid \$150$150dollar sign, 150 back to the bank each month. After 101010 months, his remaining debt was \$6900$6900dollar sign, 6900. What was the original amount of Harry's debt/
Answer: $8,400
Explanation:
Given the following:
Amount repaid each month = $150
Number of Periods for which amount was paid = 10 months
Amount left after 10 months payment = $6900
Harry's original debt=?
The total amount paid = $150 × 10 = $1500
Amount left = $6900
Total debt amount:
(Total Amount left + total amount paid )
$(6900 + 1500)
=$8400
Answer:
Harry's original debt was$8400
56 months to pay off his entire debt
Explanation:
Meg's company decided to build an additional factory in a small community. When the community started a protest because of the negative impact the factory would potentially have, Meg's company promised to prevent and pay for any negative impact to the community. It also offered to build a community park to balance out the negative impact the factory might cause. Which moral standard of social responsibility is the business observing?
Answer:
Corporate Citizen Moral Standard
Explanation:
The reason is that the company have to meet its social standards and the legal requirements which the jurisdiction imposes on it, which is Corporate Citizen Moral Standard. Furthermore, for this reason the company has promised that they will try their best to prevent any negative impact and if there are such cases then it will compensate them as well, which is their legal requirement. They also had offered to build a community park which is the requirement of their social standards.
Write a suitable indefinite article before the following words or phrases and write
them again. (Copy the questions)
___heirloom ___astronomer
___ewe ___hotel employee
___honest man ___advocate
___one eyed dog ___awkward moment
___awesome picture ___European tourist
___incompetent employee ___auspicious moment
___humane person ___MLA
___horrible joke ___M. A student
Answer:
An heirloom, An astronomer
A ewe, A hotel employee
An honest man, An advocate
A one-eyed dog, An awkward moment
An awesome picture, A European tourist
An incompetent employee, An auspicious moment
A humane person, An MLA
A horrible joke, An M. A student
Explanation:
'A', 'an' and 'the' are the three articles that are used in English. They are used before nouns to specify them. 'A' and 'an' are indefinite articles and 'the' is the definite article. The indefinite article is used before the nouns which are not known or which are not identified. The definite articles are used before the identified noun. The indefinite article 'a' is used before the nouns that begin with a consonant sound. The indefinite article 'an' is used before the nouns that begin with a vowel sound.
Motor Works, Inc. has declared a $20,000 cash dividend to shareholders. The company has 5,000 shares of $15-par, 10% preferred stock and 10,000 shares of $20-par common stock. The preferred stock is non-cumulative. How much will the preferred and common stockholders receive on the date of payment?
Answer: $7,500 preferred stock, $12,500 common stock
Explanation:
Given that:
Total cash Dividend = $20,000
Preferred stock:
5,000 shares of $15-par, 10%
Therefore ;
preferred stock balance = number of share × price × rate
5000 × $15 × 0.1 = $7,500
Balance of common stock is therefore ;
Total cash Dividend - balance of preferred stock
$20,000 - $7,500 = $12,500
On January 1, $500,000 of 8%, 10-year bonds were sold for $530,000. The bonds require semiannual interest payments on June 30 and December 31. What's the correct entry for recording the June 30 interest payment on the bonds?
Answer and Explanation:
The journal entry is given below:
Date Accounting & Explanation Debit ($) Credit ($)
30th June Expenses account interest 18,500
Amortization of the bonus
premium due will be:
[tex](\frac{30000}{20} )[/tex] 1,500
Accounts cash:
[tex](500000\times 8 \ percent\times \frac{6}{12})[/tex] 20,000
Writ (T) for True and (F) for False Statements: All desires of human beings are known as ‘Demand’. Demand is inversely related with income of the consumer. Supply is the quantity which actually brought by the seller to sell in the market. The stock of perishable goods are similar to the supply quantity. Demand curve goes upward to the right, to show inverse relationship between price and demand for good. When the price of Giffen good increases, its’ demand also increases. Income demand means relationship between price and demand quantity. Size of population is also a determinant of demand. Individual demand means all quantity demanded by buyers in the market. Means and willingness are necessary factors to be demand. Fill in the Blanks by Suitable word Two major wheels of the economy are …….. and ……. …. … …. is the desire from sellers side. The major determinant of demand is … … The situations when law of demand is not applicable is known as its …. ….. Beggar’s desire is not regarded as demand, because he may not have … …. When price of one good affects to the demand for other good, this situation is known as … …. Demand is the effective desire backed by …. ….. and ……….. When price of a good increases, its demand …. ….. but the supply …… ….. Those goods, which can be consumed alternatively are termed as …. …… goods. ….… are those goods, whose demand rises when income the consumer decreases.
Answer: (1) F, (2) F, (3) T, (4) F, (5) F, (6) T, (7) F, (8) T, (9) F, (10) T
Please check Explanation below for answers to section 2
Explanation: All desires of human beings are known as demand is False.
(1) Demand is the quantity of goods and services that a consumer is "willing" and "able" to buy at a "given price" and at a "particular point in time." Therefore, that someone desires a beautiful house does not constitute demand, but certain conditions must be present and one of such is his ability (that is money) to buy the house.
(2) Demand is inversely related with the income of the consumer is False.
On the contrary, demand is directly related with the income of the consumer, that is, both variables move in the same direction. Simply put, as the income of the consumer rises, his total demand for a commodity or service will also rise, and likewise if the income of a consumer falls, hos total demand for a commodity will also fall or reduce.
(3) Supply is the quantity which is actually brought by the seller to sell in the market is True.
This is the simplest way to put the definition of supply which is defined as the quantity of a commodity that a seller is willing to sell at a given price and at a given point in time.
(4) The stock of perishable goods are similar to the supply quantity is False.
The supply quantity includes the entire stock of goods that the seller or producer is willing to sell regardless of its status (perishable or not).
(5) Demand curve goes upward to the right, to show inverse relationship between price and demand for good is False.
Demand curve actually slopes downward to the right, and this shows an inverse relationship between quantity demanded and price of a commodity. That means, as the demand increases the price reduces, and as the price increases the demand reduces. This follows the law of demand which states that, "other factors being held equal, the higher the price the lower the quantity demanded and, the lower the price the higher the quantity demanded."
(6) When the price of Giffen goods increases, its demand also increases is True.
Giffen goods also known as inferior goods (or staple foods most often) are such that the consumers of such goods usually do not have better alternatives. Hence as the prices of such goods rise the consumer demands equally rise (contrary to the law of demand).
(7) Income elasticity of demand means relationship between price and demand quantity is False.
Income elasticity of demand is the relationship between the consumer income and the quantity demanded, and it measures the rate of response of the quantity demanded in relation to the rate of change in income.
(8) Size of population is also a determinant of demand is True.
The determinants or factors of demand are those that affect the level of demand, and when the population increases the level of quantity demanded will also increase, and vice versa.
(9) Individual demand means all quantity demanded by buyers in the market is False.
Individual demand is clearly distinct from market demand. Market demand is the totality of all the individual demands for a commodity.
(10) Means and willingness are necessary factors to have demand is True.
Just as explained in number (1) above, demand can only be effective if there is the means (money/resources) and the willingness to make a purchase. If these two conditions are not met, then desire for a commodity alone cannot be termed as demand.
Fill in the blanks by suitable words;
Two major wheels of the economy are Demand and Supply, Supply is the desire from sellers side. The major determinant of demand is Price. The situation when law of demand is not applicable is known as Abnormal demand. Beggar's desire is not regarded as demand, because he may not have ability. When price of one good affects the demand for another good, this situation is known as Substitute goods. Demand is the effective desire backed by Ability and willingness. When price of a good increases, its demand decreases but the supply increases. Those goods which can be consumed alternatively are termed as substitute goods. Inferior or Giffen goods are those good whose demand rises when the income of the consumer decreases.
What is Anderson hoping to do as a next step and why
Answer:
To make the game into an app
Explanation:
Interestingly, William Anderson was passionate about what he was doing; this passion led Anderson to think about making his Wealth Effect Game an app.
Why? Because he realized that most people lacked basic financial skills and his goal was to to make an app that would allow teachers throughout the country teach their students financial literacy effectively.
1
The use of a wholesale warehouse in the chain of distribution [Q
Aenables direct selling from manufacturer to retailer.
B.enables production to be ahead of demand.
C. reduces the chain of distribution.
Direduces the cost of goods to consumers.
Answer:
B.enables production to be ahead of demand.
Explanation:
One of the benefits of a wholesale warehouse in the chain of distribution is that it enables production to be ahead of demand.
A warehouse generally represents a large house where goods/products are kept prior to their distribution for sale.
The use of a warehouse offers several advantages to producers. These include:
adequate protection and preservation of productsregular flow of goods irrespective of their period of productioncontinuity in the production process in order to stay ahead of market demandeasy handling of productsetc.Hence, the correct option is B.
Who sets the price in a monopolistic competition?
Producers and consumers
Consumers only
Government
Producers only
Answer:
Consumers and producers
Explanation:
so A on edg 2021
The Producers and consumers set the price in a monopolistic competition.
What is a monopolistic competition?This is a competition that occurs in the market place due to the fact that there are a lot of firms offering similar products that are not identical.
In this type of market the price setting is done by those that consume the products and the product makers.
Read more on monopolistic competition here:
https://brainly.com/question/24877850
The bicycle industry is made up of 100 firms with the long-run cost curve c(y) = 2 + (y2/2) and 60 firms with the long-run cost curve c(y) = y2/10. No new firms can enter the industry. What is the long-run industry supply curve at prices greater than $2?
Answer:
[tex]Y = 400 p[/tex]
Explanation:
Given that ;
The total cost for 100 firms is TC : [tex]2+ \dfrac{y_2}{2}[/tex]
The marginal cost of one firm will be:
[tex]MC_1 = \dfrac{\delta \ TC}{\delta y}[/tex]
[tex]MC_1 = \dfrac{\delta \ ( 2+ \dfrac{y_2}{2})}{\delta y}[/tex]
[tex]MC_1 = y[/tex]
So; Now , the marginal cost for the all 100 firms is [tex]100 \ MC_1 = 100y = Y_1 = 100 P[/tex]
The total cost for 60 firms is [tex]TC_2 =\dfrac{y^2}{10}[/tex]
The marginal cost of one firm will be:
[tex]MC_2= \dfrac{2y}{10}[/tex]
[tex]MC_2= \dfrac{y}{5}[/tex]
The marginal cost for all the 60 firms will now be:
[tex]60*MC_2 = 60 * \dfrac{y}{5}[/tex]
[tex]5*60*MC_2=60y[/tex]
[tex]300MC_2 = 60 y = Y_2 = 300P[/tex]
Finally; the long run supply function is industry supply function and which is therefore determined as :
[tex]Y = Y_1 +Y_2[/tex]
[tex]Y =100p+ 300 p[/tex]
[tex]Y = 400 p[/tex]
The Alpine House, Inc., is a large retailer of snow skis. The company assembled the information shown below for the quarter ended March 31: Amount Sales $ 1,260,000 Selling price per pair of skis $ 450 Variable selling expense per pair of skis $ 50 Variable administrative expense per pair of skis $ 19 Total fixed selling expense $ 155,000 Total fixed administrative expense $ 105,000 Beginning merchandise inventory $ 70,000 Ending merchandise inventory $ 105,000 Merchandise purchases $ 285,000 Required: 1. Prepare a traditional income statement for the quarter ended March 31. 2. Prepare a contribution format income statement for the quarter ended March 31. 3. What was the contribution margin per unit?
Answer:idk I’m sorry bud
Explanation:
"Development of society means the transformation of society." Elucidate it by giving examples .
Answer:
Development of society means transformation of the societies structure and its relations. For there to be a development in a society, its structure has to be changed.
Explanation:
Development of society means transformation of the societies structure and its relations. For there to be a development in a society, its structure has to be changed.
Over the years, various rules and regulations restricting the activities of people living in society have been made. Some of these regulations have been positive while some negative. This has lead to various society transformation like from simple to complex, unity to diversity, uncivilization to civilization and primitive and so on.
For there to be development they have to be transformation.
The bonds issued by the south foot bear a coupon rate of 7.5 percent, payable semiannually. the bonds mature in 6.5 years, sell at par, and have a $1,000 face value. what is the yield to maturity
Answer: 7.5%
Explanation:
Given the following :
Coupon rate = 7.5% semi-annually = 0.0375
Coupon or interest payment per period = $37.5
Period (n)= 6.5 years * 2 = 13
Face value(f) = $1000
Price of bond = face value = $1000
Semiannual Yield to maturity = [(((f-p)/n) + C) / (f + p)/2]
Semiannual YTM = [(((1000 - 1000) / 13) + 37.5) / (1000 + 1000)/2]
Semiannual Yield to maturity = [(((0 /13) + 37.5) / 2000/2]
= 37.5 / 1000 = 0.0375 = 3.75%
Yield to maturity = 2 × Semiannual yield to maturity
Yield to maturity = 2 × 3.75% = 7.5%
Drag the tiles to the correct boxes to complete the pairs.
Derek is studying business Information management careers. Help him match the career to its role.
project manager
marketing manager
business development
manager
business analyst
helps businesses to implement technology
solutions for particular projects
Answer:
Project Manager - Helps Businesses to Implement Technology
Marketing Manager - Business Development
Business Analyst - Solutions for Particular Projects
Explanation:
1. Project Manager - Helps Businesses to Implement Technology
The Project Manager basically helps the businesses to bring change in the business operation or processes. The implementation of technology is a change in operation or processes so it is the main role of the Project Manager.
2. Marketing Manager - Business Development
The marketing manager is responsible for bringing sales orders which is business development. Business development is all about generating sales.
3. Business Analyst - Solutions for Particular Projects
The business analyst analyzes the problems and generate solutions for the business which helps best in solving them. Their are numerous evolving issues which the business analyst solves so it is the job of the business analyst.
Business analyst - Helps businesses to implement technology solutions for particular projects.
Project manager - Develops and manages project plans
Marketing manager - Creates sales and marketing strategies for companies
Business development manager - Generates new business opportunities for companies
Just got it right on Edmentum/Plato :)
What are the solutions for cos2 x - cos2x = 0
Answer:
[tex]x=0,\pi,2\pi[/tex]
Explanation:
[tex]cos^{2}(x)-cos(2x)=0[/tex]
Firstly, we will simplify the double angle formulae
[tex]cos(2x)=cos(x+x)\\cos(x+x)=cos(x)cos(x)-sin(x)sin(x)\\cos(x+x)=cos^{2}(x)-sin^{2}(x)[/tex]
Now, we can substitute our value for cos(2x) into our original equation.
[tex]cos^{2}(x)-(cos^{2}(x)-sin^{2}(x))=0\\cos^2(x)-cos^2(x)+sin^2(x)=0\\sin^2(x)=0\\sin(x)=0\\x=arcsin(0)\\x=0,\pi,2\pi[/tex]
(Solutions in the range [tex]0 \leq x \leq 2\pi[/tex])
In
, people invest money in a company in exchange for the company’s
.
Answer:
In equity crowdfunding, people invest money in a company in exchange for the company’s shares
Explanation:
Equity crowdfunding is the process in which people invest in start up companies and early stage companies that have not been listed on a stock market in exchange for shares in that company. As a result of the investment, the person becomes a shareholder and makes profit when the company do well but if the company fails, shareholders make losses.
Startups and early-stage companies use this method to raise capital.
what is the chance of me being in the U.S. Air Force !!!!