fhfa has authorized which gse to purchase mortgages secured by a group home investment property?

The three financial ratios that constitute return on revenue are Cost of goods sold/Revenue, Research and Development expense/Revenue, and Selling, general, & administrative expense/Revenue.

What ism financial ratios?

Financial ratios are instrument used by companies to make comparison or to  measure the relationship  between  different financial statement information or data.

Hence, the three financial ratios that constitute return on revenue  are:

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The nominal interest rate is 9%.

Interest rate is the rate earned on deposits or the rate charged on loans. Interest rate could be real interest rate or nominal interest rate. Nominal interest rate is real interest rate plus inflation rate. Real interest rate is interest rate that has been adjusted for inflation. Inflation rate is the rate at which the general price levels in the economy is increasing.

Nominal interest rate = real interest rate + nominal interest rate

2% + 7% = 9%

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Dwayne blue was pleasantly surprised to find out that within three to five years after the expiration of a previous life insurance policy, he can reinstate the policy subject to current qualifications.

A life insurance policy is a contract between an insurance policy holder and an insurer or assurer in which the insurer agrees to pay an amount of money to a selected beneficiary upon the death of an insured individual. Other occurrences, such as terminal sickness or severe illness, may also trigger payment depending on the contract. Universal life insurance (UL) is classified into three types: indexed universal life insurance (IUL), guaranteed universal life insurance (GUL), and variable universal life insurance (VUL). All of them, like whole life insurance policies, have a monetary value. Your premiums contribute to the cash value as well as the death benefit.

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Answer:  discrimination without prejudice

Explanation: The owner respects her customer's practice against Latinos.

Cesar’s annual homeowners insurance premium is $972.80. if his home is valued at $253,000, therefore $253000/$972.80 = $260 per $100000 of value or $0.26 per $100 of value.

Every home insurance policy has a limit of liability, which determines the amount of coverage the insured has in the event of an accident. The standard limit is usually set at $100,000, but policyholders can choose a higher limit.

In the event of a claim, Limitation of Liability states the percentage of the sum insured that will be used to replace or repair damage to the structure of the property, personal effects and living expenses. elsewhere while the property is being worked on.

Homeowners insurance may be a form of property insurance that covers losses and damages to an individual's house and assets in the home. The policy usually covers interior damage, exterior damage, loss or damage of private assets, and injury that arises while on the property.

Every homeowners policy has a liability limit, which determines the quantity of coverage the insured has should an unfortunate incident occur. Homeowners insurance shouldn't be confused with a home warranty or with mortgage insurance.

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M1 contains funds you have in your bank checking account as travelers' checks and the currency in circulation in the economy.

Currency, demand deposits, and other liquid deposits, such as savings accounts, make up M1, which is the money supply. Due to the fact that M1 contains assets and currencies that are either already cash or can be swiftly changed into cash, it is the most liquid element of the money supply. M2 and M3's "near money" and "near, near money," which fall under these categories, cannot, however, be changed to money as rapidly.

How to Determine M1?

The coins and notes of the Federal Reserve that are in circulation outside of the vaults of depository institutions and the Federal Reserve Banks make up the M1 money supply, also known as bills or paper money. The mainstay of a country's monetary system is paper money.

M1 also comprises demand deposits, other checkable deposits (OCDs), traveler's checks (issued by non-banks), NOW accounts at depository institutions, and credit union share draft accounts.

M1 covers securities that are easily redeemable and in circulation for the majority of central banks. However, the term varies a little bit depending on where you are.

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Small businesses can compete with larger rivals with bigger budgets by employing unconventional, low-cost creative techniques known as bootstrap marketing stratergy.

Companies that lack a large staff of marketing specialists frequently use "bootstrap marketing" to promote their brands. Pulling oneself up by one's bootstraps is the expression from which "bootstrap marketing" gets its name. Marketers who employ bootstrapping strategies rely more on fortitude, cunning, and strength than on significant expenditures and cutting-edge technology.

One of the earliest, most efficient, and budget-friendly elements in any bootstrap marketing effort are business cards. It's customary to trade business cards during in-person social events. Some marketers purposefully tuck business cards into reference books on their industry.

Local social networking sites give business owners a direct channel of communication with local clients, while internet social networking expands that reach globally.

Hence, Small businesses can compete with larger rivals with bigger budgets by employing unconventional, low-cost creative techniques known as bootstrap marketing stratergy.

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small businesses can compete with larger rivals with bigger budgets by employing unconventional, low-cost creative techniques known as bootstrap marketing strategies.

What is Bootstrap Marketing? It's mostly a mindset. It allows you to do more than you think—and you don't have to invest much to do it. When it comes to marketing, you have to think outside the box. In other words, bootstrapping means doing things yourself at little or no cost.

A bootstrap marketing plan should achieve three goals: Identify specific target markets that your small business serves. Identify customer needs and desires through market research. Strategies around them to communicate their value proposition to the target market.

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Data scientist.

Data security is protecting digital data from destructive forces, unauthorized users, and unwanted actions such as cyber-attack or data breaches.

A company's CISO is the leader and face of data security in an organization. The person in this role is responsible for creating the policies and strategies to secure data from threats and vulnerabilities and devising the response plan if the worst happens.

Data security is the process of safeguarding digital information throughout its entire life cycle to protect it from corruption, theft, or unauthorized access. It covers everything—hardware, software, storage devices, and user devices; access and administrative controls; and organizations' policies and procedures.

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When considering the benefit of free trade in neighboring countries, one government might favor lowering trade barriers but won't do it because of a lack of B)trust in the other nation.

Alternate boundaries raise the price of products in blanketed industries. If one's products are inputs in other industries, it increases their production charges and then costs, so sales fall in those other industries. Decrease sales result in decreased employment.

Possibly the most not unusual political argument for government intervention is that it's miles essential to protect jobs and industries from unfair overseas opposition. Opposition is most customarily regarded as unfair whilst manufacturers in the exporting USA are sponsored in some way by using their authorities.

Import tariffs lessen the general performance of the arena economy. They lessen performance due to the fact a protective tariff encourages home firms to supply products at domestic that, in idea, may be produced extra correctly abroad.

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THA issued the bond for $332,789 on the basis of amortization schedule from issuance until maturity given. Bonds are fixed-income securities that reflect loans from investors to borrowers (corporate or governmental).

A bond can be compared to an agreement outlining terms of  loan and the associated payments between lender and borrower. The length of time until a bond matures determines how long its owner will continue to receive interest payments. The bond's face value, or par, is returned to the owner when it matures. Maturity of bond plays a significant role in determining how sensitive it is to interest rates.

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Airlines that offer lower fares on seats shortly before a flight's departure date to fill empty seats are utilizing dynamic strategy which is a form of dynamic pricing. Real-time pricing, often known as dynamic pricing, is a highly adaptable method of determining a product's or service's price.

Dynamic pricing aims to enable businesses who offer products or services online to quickly modify prices in response to consumer demand. A pricing approach called "dynamic pricing" substitutes variable prices for fixed ones.

The fundamental tenet of the dynamic pricing model is to provide the same product to various customer segments at various costs. According to the number of individuals interested in particular products, dynamic pricing is a means to reflect changes and boost revenue .

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In contrast with the traditional marketplace is the market space, which utilizes an Internet-enabled digital environment to provide the forum for marketing exchanges.

Marketspace is an information and communications-based digital exchange environment. [ In the market, information and physical commodities are exchanged and traded through computers using network elements such as blogs, forums, and dedicated applications. Companies and customers engage in conversations about products and services, conversations outside the scope of a particular company (such as a physical store) when marketing campaigns or customer service issues get the consumer's attention. .. Later, the term Internet embraced the same concept.

Marketspace is information and communication-based digital exchange environment. In the market, information and physical goods are exchanged, and transactions are executed through computers using network elements such as blogs, forums, and dedicated applications.

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The stakeholders who need to be involved in the communication plan are the sponsors, key managers, leadership or role representatives of the impacted group in the communication plan.

First of all check whether the group is internal or external .Internal stakeholders are those individuals or the groups that are the part of the company's organizational structure and have a huge impact of the change

External stakeholders are those which are not a part of the organizational structure.

Stakeholders are significant to check because they are the key persons who are to be impacted the most and without them there is no use of the communication plan as well.

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The fact that the engineers and capital equipment managers have been laid off because of the economic downturn will increase cyclical unemployment.

This is a type of unemployment that happens when there is a loss of productivity in the economy.

The loss of jobs by these engineers and managers will therefore lead to more cyclical unemployment.

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Engineers and capital equipment manufacturing managers who have been recently laid off because companies are not buying new capital equipment due to an economic downturn (recession) will cause an increase in: Cyclical Unemployment. This is further explained below.

Generally, Unemployment that is cyclical in nature, such as the sort seen during the current economic downturn, is referred to as cyclical unemployment.

In conclusion, Cyclical unemployment will be caused by engineers and capital equipment production managers who have just been laid off as a result of firms not purchasing new capital equipment as a result of the economic downturn (recession).

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1. The statement of cash flows of Stuart Company for the year ended December 31, 2021, is as follows:

Stuart Company

For the year ended December 31, 2021,        $'000

Net Income                                                     $5,600

Depreciation                                                      1,900

Other Adjustments                                            (800)

Increase in Accounts Payable                           600

Decrease in Accounts Receivable                    900

Increase in Inventory                                        (200)

Net Cash Flow from Operating Activities $8,000

2. The Net Cash Flow from Operating Activities for Stuart Company for 2021 is $8 million.

The cash flows from the operating activities section affect revenues and expenses.

They indicate the cash flows that originate from the regular business activities of the entity.

To prepare the statement of cash flows, the first items to adjust the net income are the non-cash expenses and losses and revenues and gains.

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To analyze a multiple flow process using a single flow, we must constitute a Good flow unit.

The three key performance indicators for business processes are flow rate/throughput, inventory, and lead time. In the definitions below, the term "flow unit" is often used. A flow unit is the basic unit of analysis in any scenario (customer, sandwich, phone call, etc.).

Flow Rate / Throughput: The number of flow units (customers, money, goods/services produced, etc.) that go through the business process per unit of time. B. Customers served per hour or parts produced per minute. Flow rate is usually the average velocity.

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In an adaptive change-driven project life cycle early results lead into planning later work.

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To get the data from the database into a spreadsheet, we should do: Download the data as a . CSV file, then import it into a spreadsheet.

Databases are collections and combinations of interrelated organized information that can easily be accessed, managed, updated, and can modify.

Database systems are essential to your business, and school because they communicate information related to your sales transactions, product inventory,  and marketing activities.

Data is typically stored electronically in a computer system. A database is usually controlled by a database management system (DBMS).

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Determinants of long a firm should borrow money include are:

⇒the seasonal environment of the business

⇒the cost of inventory

⇒the cash flow forecast

The term "capital structure" describes how a company decides to finance its projects and assets through a combination of internal resources, debt, and equity.

To lower their risk of insolvency, remain effective, and ultimately maintain or become profitable, a company should determine the ideal debt to equity ratio.

The capital structure of a company is influenced by a wide range of variables, including leverage or trading on equity, company growth, the nature and scale of the business, the desire to maintain control, the flexibility of the capital structure, investor requirements, the price to float new securities, the timing of the issue, the corporate tax rate, and the legal requirements.

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True, investing in stocks entails purchasing stock in a publicly traded company. Those small shares are referred to as company's stock, by investing in it, you are hoping that company will grow and perform well over time. A stock is a financial investment in a particular company.

When you buy a stock, you are purchasing a share small portion of the company's earnings and assets. Company raise funds by selling shares of stock in their company; investors can then buy and sell those shares among themselves. You can buy stocks through the broker's website after opening and funding your account. 

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Using this information and the CAPM, the stock's intrinsic value is $48.36

Expected Return = Risk-Free Rate + Beta * (Market Return-Risk Free Rate)

= 7% + 1.4 * (12.5% ​​-7%)

= 14.7%

Price = Next Year Dividend / (Required Rate of Return-Growth Rate)

= 3 * 1.08 / 14.7% -8%

= 48.36

Stock intrinsic value refers to the basic, objective value contained in a thing, asset, or financial contract. If the market price is below this level, it is a good buy and above a good sell. When valuing a stock, there are several ways to reach a fair valuation of the intrinsic value of the stock.

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Hampton Corporation's common stock dividends are expected to grow by 8% per year. Recently, the firm paid a $3.00 common stock dividend. Hampton has a beta of 1.40. The expected return on the S&P 500 index is 12.5% and the rate of return on U.S. Treasury securities is 7%. Using this information and the CAPM, what is the stock's intrinsic value? a) $72 c) $24 e) $25.92 b) $66.67 d) $48.36

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When considering cost-of-living differences between locations, housing costs stand out.

Housing costs means the compensation or any fees paid or charged. It is paid  periodically  for the use of any property, land, buildings, or equipment.

For purposes of measuring housing cost, housing costs includes the basic rent charge as well as any periodic or monthly fees for other services paid to the landlord by the tenant.

While considering the housing cost it  do not include  any utility charges that are based on usage and also the tenant has agreed in the rental agreement to pay, unless and until the obligation to pay those charges has created itself a change in the terms of the rental agreement.

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Just in time inventory control is the type of process that walmart uses to replenish their items that have sold, according to the point-of-sale system. Inventory management, also referred to as stock control, is the process of controlling a company's stock levels, whether they are kept in one warehouse or several.

Managing products from the time they are in stock until their eventual destination or sale is required . four types of inventory are raw materials, work-in-process , finished goods, and maintenance, repair. When you know what kind of inventory you have, you can practice better control inventory management.

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The methods of evaluating improvements in employee relations in the city fire department include:

It should be noted that employee relations simply means the maintenance of a positive relationship in the workplace.

Here, the methods of evaluating improvements in employee relations in the city fire department are illustrated.

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Answer:

5063

Explanation:

5796 is the correct answer.

P = 40,000 Value of building sold 2 years ago

i = 75 Inflation rate

t = 2 years

V = Current value

V = P(1+i)^t

V = 40000(1.07)2 1.07 = 1+0.07 where 0.07 is the percentage increase in decimal

V = 45,796

The percentage increase is the difference between the current value and the value two years ago.

45796 - 40000 = 5796

A home valuation refers to a home or investment property that appreciates in value over time. As the property increases in value, the owner can sell it for a profit or receive more income from the tenants through monthly rent.

A valuation or capital appreciation is an increase in the price or value of an asset. Valuation occurs when the market value of an asset is higher than the price an investor paid for that asset. It may refer to an increase in the value of real estate, stocks, bonds, or other investable assets.

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A unilateral contract
With each cup of coffee purchased, the cashier punches a space. The card can be used to redeem a free coffee once all ten spaces have been punched. This serves as an illustration of a unilateral contract.
-Unilateral contract - A unilateral contract explicitly states that payment will only be provided in exchange for performance by one side. A prize or a competition is another illustration of a unilateral contract. In a unilateral contract, the offeror has the right to withdraw it prior to the offeree's commencement of performance. Usually, the revocation must be made in writing. An insurance policy contract, which is typically only partially unilateral, is an illustration of a unilateral contract. The offeror is the sole party having a contractual responsibility in a unilateral contract. Most unilateral agreements are one-sided.
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It is important for companies to build cooperative and transparent channel systems for moving goods, supplies, and services. Well-known fast food franchises usually set up  contractual distribution systems, where members are bound to cooperate through legal agreements.

A distribution system can be defined as the channel of distributing goods or product from the manufacturer to end user or from one location to another location.

Hence, Well-known fast food franchises often set up  contractual distribution systems in which product distribution are join or combined  together by contractual  agreement.

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Setting standards, measuring performance, and comparing performance to standards are the parts of controlling.

Control is a management function that aids in error detection and the implementation of corrective measures. This is done to reduce departure from standards and make that the organization's stated goals are met in the desired way.

Controlling is a management function that aids in obtaining desired results from employees at all organizational levels, including managers and subordinates. The managing function aids in tracking advancement toward corporate objectives, identifies deviations, and suggests necessary remedial action.

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Option D. If the wage rate should decrease from $17 to $13, the firm is going to expand by a total of 2 workers.

This can be defined as the amount of money that is used to pay for labor. The wage rate is the base wage that is paid to a worker at a time based on the unit of work that they have done in an establishment. It is the amount that is paid based on a person's output.

We have to solve for the expanse in employment by first considering the rate that is to be paid for an extra unit of labor

Hence if the firm should decrease wage rate the number of workers that would be available at 17 dollars = 6 workers

At 13 dollars = 4 workers

Hence the change would be solved as

6 workers - 4 workers

= 2 workers

Hence we have to conclude that the firm would have to expand labor by a total of two workers.

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M1 will decrease, M2 will stay the same, after deciding to buy some money market mutual fund shares.

Money market funds are comparatively risk-free. They are only permitted by law to invest in a select group of high-quality, short-term securities issued by American businesses and national, state, and municipal governments.

Therefore, M1 will decrease, M2 will stay the same.

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