The term for noninstitutional lenders who lend their own money, sell these loans to others, and continue to service these loans is mortgage bankers. These lenders finance loans with their own funds, sell the loans to investors, and undertake the administrative tasks of the loans.
Explanation:Noninstitutional lenders who lend their own money, sell their loans to others, and service the loans are referred to as mortgage bankers. Mortgage bankers finance loans with their own funds at closing and then sell the loans to investors. After they sell the loans, they continue to service them, meaning they continue with the administrative tasks of the loan such as collecting payments. These tasks are done on behalf of the investor who owns the loan.
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Individuals receiving anticoagulant therapy with warfarin should be instructed to monitor their consumption of foods high in vitamin k because
What is it called when nations compete to attract transnational corporations by undercutting their citizens’ wages or offering tax incentives?
Oscar was recently taken into custody in idaho when he was found wandering the streets with no identification. when the police questioned him, oscar had no idea who he was or where he lived. a check of missing persons showed that he had been missing from his home in tennessee for the past 10 days. in this case, it is most likely that oscar would be classified as having
To get to a job site, you must travel 45 kilometers. How many miles will you travel? Round your answer to the nearest hundredth. A. 34.25 miles B. 27.96 miles C. 42.15 miles D. 28.16 miles
Driving a motor vehicle is __________
explain the advantages and disadvantages of free market economies.
A free market economy has two key advantages. First, it allows for individuals to innovate. Individuals have the freedom to create new ideas, new products, and new services to sell for profit. They are not required to only produce what the government tells them to produce. Due to this freedom, competition is created, forcing companies to create new products and features. A clear example of this is the cell phone market. New phones come out each year, as individuals create new ideas and new features for their consumers.
The second major advantage is that customers drive decisions. If a customers wants a certain product or feature, the producer must meet their needs in order to survive. This ultimately drives the price, as customers determine the price of products.
However, disadvantages are created from some of the advantages. Profit motive drives businesses, but can create dangers. Poor working conditions and unethical decisions can be made as entrepreneurs seek higher profits. Secondly, free markets can lead to market crashes as we saw in the great depression and the economic downturn in the early 2000's. Unemployment can lead to devastation of families.
These advantages lead to economic growth and expansion during the business cycle. However, during times of crashes and downturns, government regulation usually occurs to spur expansion again.
Free market economies rely on the unfettered forces of supply and demand. They have both strengths and weaknesses, necessitating a careful balance of market freedom and government rules. The impacts of free markets on competition, innovation, consumer prices, and wealth distribution must also be taken into account.
Explanation:Free market economies operate on the principle that supply and demand forces should function without government interference. Proponents of free-market economics believe that for any privatizable good, the marketplace is the most effective platform for exchange.
However, the process of organizing economic institutions isn't necessarily a clear-cut choice between all-market or all-government. It often requires a balancing act over the appropriate combination of market freedom and government rules. Therefore, a practical approach to microeconomic policy must take into consideration both the strengths and weaknesses of markets and government.
On the positive side, free markets encourage competition, spur innovation, and can potentially lead to lower prices for consumers. On the downside, they can also result in wealth disparities, exploitation, and market failures. It's important to have a nuanced approach to making economic policies that will not result in harm to either the market or government.
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What does the term alimony mean and who uses it?
The price of greatness is responsibility meaning
The phrase “the price of greatness is responsibility” means that, if you are given or rewarded with great or high powers, you must be a responsible person in using that certain power. You are given the responsibility to use it for the well-being of yourself and for the others as well.
Written records of a sample collection, transfer, storage, analysis and destruction are necessary for two reasons: to help ensure the proper interpretation of analytical test results and:
Final answer:
Careful documentation is needed for chain of custody and regulatory compliance, allowing reconstruction of work, problem-solving, and legal evidence as well as ensuring accurate and verifiable scientific results.
Explanation:
The second reason why careful and proper documentation is necessary in sample collection, transfer, storage, analysis, and destruction is to ensure chain of custody and meet regulatory compliance. This information is imperative as it becomes part of the archaeological record and influences future research and analyses. Detailed records allow for reconstruction of work, problem-solving, error detection, and the substantiation of result accuracy within the scientific community.
Laboratory notebooks are essential for not only documenting processes and results but also serving as legal evidence in patent claims, original discoveries, and publications. In the event of litigation or regulatory oversight, such documentation provides an evidence trail and ensures traceability, playing a key role even in non-regulated research labs.
Accurate record keeping is critical in the scientific field. There are two main levels: the laboratory notebook as the experimental log and the research report as the final documentation of the findings. Adherence to best practices for both types of documentation is necessary to validate experimental results and for archival purposes.
The binary gender system in many nations, including the united states, means that in order to gain certain legal recognition as an individual, one must identify as
Nations which uses the binary gender system requires a person or an individual to identify only either as a “male or female”.
This type of social system usually forms the basis for how one is educated, what jobs one can do (or are expected to do), how one is expected to behave, what one is expected to wear, and etc.
In what section of a closing disclosure would you find information regarding the loan term, purpose of the loan, product type, loan type and loan id number
Final answer:
The beginning section of a closing disclosure contains details such as loan term, purpose, product type, loan type, and loan ID number, which are crucial for borrowers to understand their financial commitment.
Explanation:
In the closing disclosure of a loan, the section containing information about the loan term, purpose of the loan, product type, loan type, and loan ID number is typically found at the beginning of the document. This section is essential as it summarizes the key details of the loan agreement, giving a straightforward overview of the financial commitment. Understanding this information is crucial for any borrower, as it impacts how they will manage their loan over time.
If a donut shop sells a dozen donuts for $6.00, what would the cost of 9 donuts be at the same rate?
To find the cost of 9 donuts at the same rate as a dozen costing $6.00, each donut would cost $0.50, making 9 donuts cost $4.50.
To find the cost of 9 donuts at the same rate, we need to determine the cost per donut when buying a dozen. In this case, a dozen costs $6.00, so each donut costs $6.00 / 12 = $0.50. Therefore, 9 donuts would cost 9 x $0.50 = $4.50 at the same rate as buying a dozen.
An accord is an agreement by the parties to offer and accept some performance different from that originally bargained for. the actual performance of the new obligation is:
Joanna, a high school junior, is traveling on her own for the first time. she is flying to chicago to visit her cousins and reflects on the visit during her plane trip. joanna is experiencing her ____.
In which market structure will a firm choose not to shut down when price is less than average variable cost?
The market structure in which a firm will choose not to shut down when price is less than average variable cost is:
None of the above. All firms will shut down when Price < AVC.
To add, in economics, average variable cost (AVC) is a firm's variable costs (labor, electricity, etc.) divided by the quantity of output produced.
A firm will choose not to shut down when the price is less than average variable cost in a perfectly competitive market structure.
Explanation:In a perfectly competitive market structure, a firm will choose not to shut down when the price is less than average variable cost.
If the price is less than the minimum average variable cost, the firm is not covering its variable costs.
Staying open in this situation would result in larger losses for the firm, so it is more beneficial for the firm to shut down immediately.
The _______ required american colonies to supply england with raw materials and a market for finished goods.
In today's organization, many employers appear to prefer to work for a supervisor with a ________ leadership style.
A seller who wants to be excluded from paying capital gains tax on a principal residence will need to
The price of an article was cut 20% for a sale. by what percent must the item be increased to again sell the article at the original price?
The percent at which the item be increased to again sell the article at the original price is 25%.
Computation of percentage increase in the priceAssume the original price be 100 %
The price was cut by 20%,
[tex]\begin{aligned}\rm{New \;Price}& = 100\% - 20\% \\&= 80\%\end{aligned}[/tex]
[tex]\begin{aligned}\text{Increased Percentage}& = \frac{\text{Price of the Article}}{\text{Original Price of the Article}}\times 100\\\text{Increased Percentage} &= \frac{20}{80} \times100\\\text{Increased Percentage} &= 25\%\end{aligned}[/tex]
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What is the function of plant hormones in a plant tissue culture medium?
Steve is interested in learning how to be a single agent business broker. he needs to know the steps in selling a business. all are steps in a business sale except
I think the correct answer to this would be:
“Represent the buyer and obtain a purchase agreement.”
This is because the broker only acts as a middle man. Brokers only handle customer orders to buy and match them up with sellers who are willing to sell. The job stated above is already handled by the realtors or buyers themselves.
The data preparation technique used in market segmentation to divide consumers into different homogeneous groups is
How would a terrestrial centipede most likely benefit from the ability to close its spiracles? closing spiracles would _____?
The ability to close the spiracles would allow the centipede to retain more moisture in its tissues. Centipede is found in terrestrial habitat from the typical rainforest, it can be a kind of terrestrial worms. It’s also among the largest kind of terrestrial invertebrate predators.
Biologists want to know how many fish are in a certain lake. on january 1, they removed 600 fish from the lake and tagged them. on february 1, they returned to the lake and collected a random sample of 850 fish, of which 25 had been previously tagged. how many fish does the lake have, based on this experiment?
Which theoretical perspective examines the idea of families as a competition for scarce resources such as time and energy?
What is the maximum and minimum amount of ordinary shares to be invested in Hollard?
For an average commercial vehicle being driven at 55 mph on dry pavement, it will take about _____ to bring the vehicle to a stop.
He person or persons requesting the worksheet should supply their requirements in a _____ document.
The person probably most responsible for the direct labor efficiency variance is
Assuming a speed limit is 105 km/hr, what is this in miles per hour? A. 55.247 mph B. 50.247 mph C. 60.247 mph D. 65.247 mph
A speed limit is 105 km/hr, is this in miles per hour 65.247. The speed limit is 105 km/hr were the one mile is 1.60934 km. Thus, option (d) is correct.
What is speed?Speed is the pace at which an object moves along a path in time, whereas speed is the rate and orientation of an object's travel. In other words, speed is a scalar, but velocity is a vector. Speed is described as the pace at which distance changes with time. It has a time-distance dimension.
According to the given amount are:
speed limit is 105 km/hr
One mile = 1.60934 km
miles per hour = ?
105/1.60934 = 65.244.
As a result, the speed limit is 105 km/hr were the one mile is 1.60934 km. Therefore, option (d) is correct.
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