Demarco and Tanya have received information about three separate mortgage offers. In two or three paragraphs, describe your recommendation for the best financial choice in their situation.

Answers

Answer 1

Answer: first one

As for Mortgage Option 3, not only is the interest rate higher (4.0%), but the remaining balance that is not paid has to be paid off completely in 8 years. After the down payment, they would have a $1,605 monthly payment which includes the fixed interest rate of 4.25% as well. Due to the short payment time, a borrower has a risk of loosing their home and equity if the final payment is not able to be made. Mortgage Option 2 has the lowest interest rate (3.5%) but these rates could be adjusted annually. Even though the interest rate is the highest, they would be able to afford it. Not only are they able to make these payments, Tanya and Demarco would also have. approximately $3,395 left to spend from their monthly earnings too.

Explanation:

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Related Questions

Identify an accurate statement about groups of customers with similar need sets. Multiple choice question. They always have identical demographics. They belong to a single, homogeneous demographic group. They can have sharply different demographics. They never have varied demographic features.

Answers

When there is a group of customers that have the same requirement sets so the following should be the accurate statement.

The statement "It could have clear various demographics" is correct.

The following information related to the customer is:

It is an individual or the business that buys the goods or services of the company. Without customers, the company could not survive out, neither company could able to make a profit. Now if there are various customers and all have the same kind of needs so it means that there are different demographics.

Therefore all other options should not be considered.

Thus we can conclude that The statement "It could have clear various demographics" is correct.

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Marketing links producers to

Answers

Marketing links producers to customers.

A trust established by your will that becomes effective upon your death is called a(n) ____________ trust.
testamentary
living
irrevocable
revocable

Answers

Answer:

testamentary trust is the answer.

Answer: hello, your answer would be TESTAMENTARY

Explanation:

i just finished the test and got it right

On July 1, 2021, Bonita Industries issued 3500 of its 10%, $1,000 bonds at 99 plus accrued interest. The bonds are dated April 1, 2021 and mature on April 1, 2031. Interest is payable semiannually on April 1 and October 1. What amount did Bonita receive from the bond issuance

Answers

Answer:

On July 1, Year 1, Howe Corp. issued 300 of its 10%, $1,000 bonds at 99 plus accrued interest.

The bonds are dated April 1, year 1 and mature on April 1, year 11. Interest is payable semiannually on April 1 and October 1.

What amount did Howe receive from the bond issuance?

a) $304,500

b) $300,000

c) $297,000

d) $289,500

a) $304,500

The amount received is the price of the bonds plus interest from April 1, the bond date, to July 1, the issue date:

Amount received = .99(300)($1,000) + .10(3/12 year)(300)($1,000) = $304,500

The second term in the above calculation uses 3/12 of a year, which is the portion of a year between April 1 and July 1.

A customer of a broker-dealer purchases 100 shares of XYZ stock at $50 per share on Monday. Later that week, a confirmation arrives electronically indicating that the total cost of the transaction was $5,000. The client is puzzled that there is no additional charge for commission. The most likely reason for that is

Answers

Answer:

A customer of a broker-dealer purchases 100 shares of XYZ stock at $50 per share on Monday. Later that week, a confirmation arrives electronicallyxplanation:

What are some changes that have happened in society that have affected the growth of the childcare profession?
Include one change from each area:

• employer

• Education attitudes

• Educational studies

• Benefits to the economy

Answers

Answer:

More mothers would increase their earnings and seek new job opportunities if they had greater access to reliable and affordable child care.

Takisha Jorimoto works in finance for a small microbrewery. This week Takisha is working on a budget for the next 12 months. She has been doing research to determine prices for the new equipment the company will need in the next 12 months to stay competitive in this market. Which of the steps in financial planning is Takisha involved in

Answers

Answer:

to follow her heart

Explanation:

and you will follow the steps

how does the inflation affect the standard of living​

Answers

Answer:

Inflation affects your standard of living because it can reduce your spending power. Retirees are often greatly affected by inflation because many retirees live on a fixed income.

Explanation

Consequently, their disposable income is reduced as day-to-day expenses consume an ever growing portion of their income.

Explanation:

Inflation affects your standard of living because it can reduce your spending power. Retirees are often greatly affected by inflation because many retirees live on a fixed income.

Sylvester is 57 and his company is downsizing. He knows that his position is one that will be cut so he has started to prepare his resume to look for a new job. Hunter tells him not to bother, as he will not get another job, at least not one that is equivalent to his current job. He tells Sylvester that things have changed since Sylvester went to college and that he couldn’t realistically offer too much in the workforce today. Hunter is demonstrating a(n)

Answers

Answer:Age Stereotype

Explanation:

1) A small firm employs nine workers. The wages it pays to these workers are $200, $220, $280, $300, $310, 320, $330, $350 and $390 a week. What is the average wage paid?

Answers

solution :

sum of dollar =200+220+280+300+310+320+330+

350+390

Now,

average =total sum of all dollar

total sum of worker

=2370

9

=263.333#

When a salesperson is discharged for a violation of any of the provisions of the Real Estate Law, the employing broker must immediately file a __________ with the Commissioner.

Answers

Certified written statements of the facts.

which of the following assets is the most liquid

Answers

Answer:

A. A $20 bill

because cash is the most liquid asset

Reference:

https://africa.businessinsider.com/markets/what-are-liquid-assets-a-guide-to-the-investments-that-are-easiest-to-cash-in-and-why/k6073h1

From the provided options, the most liquid asset is the bill stating $20.

Option A is correct.

What is an asset?

An asset is the monetary resource of a company which is acquired in order to get benefits in the future years.

The bill of $20 is considered to be the current asset as it can be converted into cash in short span of time in comparison to the checking account. The current assets are most liquid assets of the balance sheet.

Therefore, the asset given in option A is correct.

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True or false? Technology alone will solve most of your client’s problems. As long as you have a basic implementation strategy, you don’t need to worry about building out a detailed plan.

Answers

Answer:

ture

Explanation:

technology is here to solve your problems

Technology alone will solve most of your client’s problems. As long as you have a basic implementation strategy, you don’t need to worry about building out a detailed plan, this statement is true.

What is technology?

Technology is the development, application, and knowledge of tools, techniques, skills, systems, or administrative procedures used to address a challenge or further a certain objective. Business Models for the Digital Economy.

The primary goal of technology, which combines tools to promote development, use, and information interchange, is to simplify work and find solutions to many of humanity's issues. We must underline the advantages of technology as it develops and continues to make our lives easier.

Hence, Technology alone will solve most of your client’s problems. As long as you have a basic implementation strategy, you don’t need to worry about creating out a detailed plan.

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If you are planning for developing your career as a photographer then what are the stages that you have to go through. Explain it.​

Answers

Answer:

A career as a photographer can be an exciting avenue for creative expression, as photographers have the opportunity to work in many settings and meet diverse people. Yet it is also a technically demanding profession, so those interested in becoming photographers must consider the training they will need before committing to this career path. It is also important to know how photographers compare to similar careers in terms of education requirements, average salaries and projected job growth rates. This guide provides in-depth information that can help readers decide if a photography degree can put them on the right career path.

Explanation:

:-). ✓✓✓✓✓✓✓√√√√√√√√√√√

Identify which of the following formulas correctly defines how to calculate the debt ratio. Multiple choice question. Total assets/Net income Total liabilities/Total equity Total liabilities/Total assets Total assets/Total liabilities

Answers

Answer:

Total liabilities/total assets

Explanation:

Debt ratio can be calculated by using the formula Total liabilities/total assets.

Debt ratio refers to the ratio of the debt and assets of a person or company. This is also known as the total debt to the total assets ratio.

This ratio can also be known or referred to as the financial ratio measuring the extent of a company's leverage. This accounting aspect of a company is used to calculate how much of the company's assets are financed through debts.This means that the amount or portion of a business's assets that are financed by debts is the debt ratio of that company.To calculate the total debt ratio, the total liabilities should be divided by the total assets. The resulted amount is the debt ratio of that company.

A debt ratio enables a company to specify and identify how much percentage of the company's assets are liable for leverage. This allows the company to know how to manage the business or work through their debt accordingly. Thus, the correct formula to calculate the debt ratio is total liabilities/ total assets.

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How can public health decrease the economic impact on health care?

Answers

Answer:

First, healthier people are more economically productive. Better health also leads to an increase in savings rates—because healthier people expect to live longer and are naturally more concerned with their future financial needs. Another bridge between health and the economy is education.

Explanation:

Name the different university programme available in nepal and describe any two of them.​

Answers

Explanation:

A-level

International bachelor's degree

National Science colleges

Medical colleges

Engineering colleges

Management colleges

Hotel Management college

-Describe any 2 of them?

****International bachelor's degree

1.) Is a undergraduate academic degree awarded by colleges and universities upon completion of a course of study lasting three to six years.

****Hotel Management college

2.) In the context of Nepal, if you want to pursue your career in hotel management. an undergraduate course having a duration of 4 years with 8 semesters with a minimum fee structure.

Select all that apply Select the components of a market analysis. (Select all that apply) Multiple select question. The economic, physical, and technological environment The organization's own capabilities An understanding of injurious consumption The capabilities of current and future competitors The consumption process of potential customers

Answers

The components of market analysis include:

Three types of environment - economic, physical & technological.The organization has its own capabilities.Present & future competitor's analysis.Customers' consumption process.

The following information related to the market analysis is:

It is a quantitative & qualitative market evaluation.The market size in volume & in amount.Purchasing patterns & segments of the customers.Competition or rivalry.Barries with respect to the entry & regulation of the economic environment.

Therefore we can conclude the above components of the market analysis should be considered.

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a.
Over the period of a year, Julie's net worth decreased. Which of the following could be true?
Julie's assets and liabilities decreased by the same amount.
b. Julie's assets and liabilities increased by the same amount.
c. Julie's assets increased by more than her liabilities.
d. Julie's assets decreased by more than her liabilities.
Please select the best answer from the choices provided
A
ΟΟΟ
B.
С

Answers

The situation that could be true about the reduction in Julie's net worth would be:

d). Julie's assets decreased by more than her liabilities.

'Net Worth' is characterized as 'the value of all the assets one possesses after subtracting all his/her debts or liabilities.'In the given circumstance, the decrease in Julie's net worth would denote that the sum total of her liabilities for that financial year exceeded her total assets. The other possibility could be that the decrease faced in her liabilities is higher than the decrease in her assets leading her net worth to be negative.

Hence, option d is the correct answer.

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The three-year or longer marketing plan that's more general and less detailed than a tactical plan is called _____.

strategic marketing tactic
strategic marketing plan
marketing plan
executive summary

Answers

Strategic Marketing Plan

Dwight was appointed a principal for Seacoast Securities in June of 1996. He continued in the position until 2012, when he left to start his own firm. How long did Seacoast need to maintain the record of his principal designation

Answers

Answer:

16 years

Explanation:

2012-1996=16 years

Jose's Pizza Parlor, Inc., acquired the Eastern Pizza Cheese Corporation (EPCC). EPCC is a wholesale distributor of the cheese used in the making of pizza pies. The acquisition created a:
(A) Monopoly.
(B) Vertical merger.
(C) Conglomerate merger.
(D) Horizontal merger.

Answers

The answer is (D) Horizontal merge

What is a public good?

A A public good is a product or service that one consumer can prevent another consumer from using, and is not accessible without
payment

B A public good is a product or service that one consumer cannot present another consumer from using, and is accessible without
payment

C A public good is a product or service that one consumer cannot prevent another consumer from using, and is not accessible without
payment

D A public good is a product or service that one consumer can prevent another consumer from using, and is accessible without payment.

Answers

I believe your answer is B

A public good is a product or service that one consumer cannot present another consumer from using, and is accessible without  payment

Calculate the after-tax cost of debt for the Wallace Clinic, a for- profit healthcare provider, assuming that the coupon rate set on its debt is 11 percent and its tax rate is a. 0 percent. b. 20 percent. c. 40 percent.

Answers

Answer:25 percent

Explanation:

Here are the after-tax costs of debt for the Wallace Clinic for each tax rate:

a. 0% tax rate

The after-tax cost of debt is simply the coupon rate since there is no tax deduction for interest payments.

After-tax cost of debt = 11%

b. 20% tax rate

The after-tax cost of debt is calculated by multiplying the coupon rate by 1 minus the tax rate.

After-tax cost of debt = 11% × (1 - 20%) = 0.88%

c. 40% tax rate

The after-tax cost of debt is calculated by multiplying the coupon rate by 1 minus the tax rate.

After-tax cost of debt = 11% × (1 - 40%) = 0.66%

Here is the formula for calculating the after-tax cost of debt:

After-tax cost of debt = coupon rate ×(1 - tax rate)

The after-tax cost of debt for the Wallace Clinic will vary depending on the tax rate. If the tax rate is 0%, then the after-tax cost of debt is simply the coupon rate. If the tax rate is 20%.

Then the after-tax cost of debt is 0.88%. If the tax rate is 40%, then the after-tax cost of debt is 0.66%.

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the money represents the

Answers

Answer:

maximum

Explanation:

A one dollar increase in the monetary base causes the money supply to increase by more than one dollar. This increase in the money supply is the money multiplier.

The money multiplier represents the maximum extent to which the money supply is affected by any change in the amount of deposits

EXPLAIN HOW HONOURING A LABOUR IS HONOUR ONE'S SELF​

Answers

Answer:

Because the labour is a source of my daily food which potentially is a basic need in life

Which of the following are incorporated in GAAP?
A. Requirements, policies, and ideals
B. Laws, regulations, and policies
C. Concepts, constraints, and principles
D. Mandates, laws, and ethics

Answers

C. Concepts, constraints, and principles

Project Quality Management includes the processes for incorporating the organization's quality policy regarding planning, managing, and controlling project and product quality requirements in order to:

Answers

Answer:

Project Quality Management includes processes for incorporating the organization's quality policy regarding planning, managing, and controlling project and product quality requirements in order to meet stakeholders' objectives. It supports the continuous improvement activities undertaken on behalf of the performing organization.

Explanation:

Project Quality Management includes processes for incorporating the organization's quality policy regarding planning, managing, and controlling project and product quality requirements in order to meet stakeholders' objectives. It supports the continuous improvement activities undertaken on behalf of the performing organization.

Project Quality Management includes the processes for incorporating the organization's quality policy regarding planning, managing, and controlling project and product quality requirements in order to meet stakeholders objectives.

What do you mean by Planning?

Thinking about the steps necessary to accomplish a goal is the process of planning. Foresight, the fundamental ability for mental time travel, is the foundation of planning. The ability to plan ahead and exhibit foresight is assumed to have evolved early in the course of human evolution.

The three main steps in project quality management are as follows. These include quality assurance, planning, and control. Setting up a project's clear aim or goals is the main emphasis of planning. Assurance shows stakeholders that a project is operating as it should by using tests, metrics, and checklists.

Therefore, Product quality requirements in order to meet stakeholders objectives.

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governments of ____ countries can encourage trade by minimizing interference with the free exchange of goods and services.

Answers

Answer:

Developing

Explanation:

what are job responsibitiltes

Answers

Explanation:

we have to do all the work of our employees and we have to respect our employees and our seniors and to do lot of work mark brainleast please plz plz please please please please please please please please please please please please please please please please please please please
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