___ requires creditors to provide borrowers with a complete written account of credit terms and costs.

Answers

Answer 1
Truth in lending law requires creditors to provide borrowers with a complete written account of credit terms and costs.

Related Questions

In order for ads to be effective, what is the first thing that they must do?
Offer reasons why the product is better than others.
Be seen and get the attention of consumers.
Get the consumer to visit a store.
None of the above.

Answers

For advertisements to be effective for companies to sell their products. Companies need their advertisement to (B) be seen and get the attention of consumers.

It is important for advertisements to grab the attention of the customers, since if it doesn’t, then the advertisement does not manage to its job well, and the product will not sell as much as they should. (B) should be the first thing an advertisement aims to do.

Answer:

The correct answer is letter "B": Be seen and get the attention of consumers.

Explanation:

Effective ads follow a set of requirements that include but are not limited to be unforgettable; coincide with customers and deliver a message that is personally meaningful; share how the product or service blends into the lives of customers; and, most importantly, be attractive and in plain sight so that anybody can see it.

A research study uses a single sample of participants to evaluate the effect of a treatment. the results of the hypothesis test are reported as follows: t(14) = 2.73, p < .05. based on this report, what was the statistical decision?

Answers

Based on this report, there were 15 individuals in the sample. The explanation for this is shown as

Using the formula df = n – 1, and n = df + 1, substituting the values given in the problem to the formula, we get n = 14 + 1. Therefore, n is equal to 15.

Windows ____ is microsoft's fastest, most efficient operating system to date, offering quicker application start up, built-in diagnostics, automatic recovery, improved security, and enhanced searching and organizing capabilities.

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Windows 10 is Microsoft's fastest, most efficient operating system to date, offering quicker application start up, built-in diagnostics, automatic recovery, improved security, and enhanced searching and organizing capabilities.

Windows 10 offers cut-off date support, the most powerful ye t intuitive security system to date, and most of all a balanced interface which is equally friendly to desktop and laptops as well as tablets and touch devices.

The goal during the ________ of the personal selling process is gain the customer's attention and build the foundation for the sales presentation?

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The goal during the approach

The minimum price that most consumers would pay for a given product is known as the ________ price.

Answers

The answer would be lower-bound price

The minimum price that most consumers would pay for a given product is known as the lower-bound price. Hope this helps, good luck 

Question 1. use the above survey results to construct a 95% confidence interval for the proportion p of all ohio state university female students who would be willing to walk somewhere after dark that they would normally not go if they had a cell phone.

Answers

za/2 = invnorm(.975,0,1) = 1.96

confidence interval:

.42 +/- 1.96*square root of ((.42)(1-.42)/305)

.42 +/- .05539

(.42 - .05539, .42 + .05539

(.36461, .47539)

Lower bound: .365 (rounded to 3 decimals)

Upper bound: .475 (rounded to 3 decimals)

The first question you ask is: "gearup has several offices located around the country. what kinds of networks will gearup need to implement and/or support in this scenario?" which answer must applicants give in order to move on to the next interview?

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You decided that the interviewees should answer, Borh WAN and LAN. This was the correct answer because the LAN or Local Area Network devices permit corporation computers to join with one another, with printers and copiers, and with the Internet. While WAN or Wide Area Network devices links the computer from site to site since GearUp has headquarters in several sites.

Which of michael porter's four competitive strategies is autozone trying to follow? discuss?

Answers

Autozone is attempting to follow the "threat of substitutes" competitive strategy by Michael Porter. This means that they are focusing on those products that are potential substitutes of their own, meaning that these products could offer the same utility. The threat comes in when there is a genuine threat that these substitute products will be used in lieu of the target product. Autozone is attempting to create an atmosphere of innovation so that there will be no threat of substitute products.

In homologous recombination, the term "patch product" refers to

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Homologous recombination refers to exchange of genetic material between homologous pair of DNA. Patch product and splice products are the results of homologous recombination. Patch product is formed in homologous recombination when the enzyme resolvase cuts the strand invasion of holiday junction.
Patch product refers to no crossing over (or non-cross over products) during homologous recombination.

Industry low, industry average, and industry high cost of benchmarks on p 6 of each issue of the footwear industry report are

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When this type of situation happen, each issue of the footwear industry report will be most likely.
are worth careful scrutiny by the managers of all companies because they help managers determine the degree to which their company's costs for the benchmarked costs categories are competitive. With this information, the managers are more likely to make a more appropriate decision.

What three steps are required for calcareous ooze to exist below the ccd?

Answers

For a calcareous ooze to exist below the CCD, the following requirements must be fulfilled:
1. The calcite shells must be deposited above the CCD.
2. The shells must be covered by a non calcareous material.
3. The movement of the sea floor over a long period of time.
CCD stands for Calcite Compensation Depth and it is the ocean depth below which calcite is unstable and will dissolve quickly.

If the distinct keyword is not included in the avg function, the ____ keyword will be assumed.

Answers

The unique and group keyword will be assumed 
Final answer:

In SQL, when you use the AVG function without the DISTINCT keyword, the ALL keyword is implicitly assumed, meaning all values, including duplicates, are considered in the calculation of the average.

Explanation:

In SQL, when using the AVG function to calculate the average of a set of values, if the DISTINCT keyword is not included, the ALL keyword is implicitly assumed. The ALL keyword means that all values, including duplicates, will be used in the calculation of the average. With DISTINCT, on the other hand, duplicates are ignored, and every unique value is counted only once when calculating the average.

For example, if you have the values {3, 3, 4, 5}, the AVG with DISTINCT would be 4, because it would only consider unique values (3, 4, 5). Without DISTINCT, the ALL keyword would be implied, and the average would be 3.75, because it would consider all values, including the duplicated 3.

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Abc insurance company has accepted a life insurance application which contains unanswered questions. the company then makes the application part of the life contract. in this situation, the insurer has

Answers

In this situation, the insurer has "waived one of its legal rights".


If an insurer acknowledges an application that contains unanswered inquiries and makes the application part of the existence get, the organization has deferred one of its lawful rights.  

An insurer’s reservation of rights is a vital legitimate advance, especially with regards to obligation protection. The safety net provider may give a guard to the safeguarded, apparently shielding the protected from the genuine liabilities that may result from a common suit. The obligation safety net provider is alarming the guaranteed respondent that protection may at last not cover the subsequent risk, or a segment of the liability.

Abc insurance company has accepted a life insurance application which contains unanswered questions. The company then makes the application part of the life contract. in this situation, the insurer has waived one of its legal rights.

In this situation, the insurer, ABC Insurance Company, has waived one of its legal rights by accepting a life insurance application that contains unanswered questions and making it part of the life contract. Typically, insurers have the right to reject or decline an application that is incomplete or contains unanswered questions.

However, by accepting the application and proceeding with the issuance of the life contract, the insurer has chosen to waive this right and treat the incomplete application as valid. This action signifies the insurer's decision to proceed with the contract despite the unanswered questions, potentially assuming additional risk or liability.

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Suppose you were to collect data for each pair of variables. you want to make a scatterplot. which variable would you use as the explanatory variable and which as the response​ variable

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Answer:  would use the "independent variable" (on the "x-axis") for the "explanatory variable";
                would use the "dependent variable" (on the "y-axis") for the "response variable".
_________________________________________

Final answer:

In creating scatterplots, the independent or explanatory variable is plotted on the x-axis, while the dependent or response variable is plotted on the y-axis. The independent variable influences the dependent variable, which is reflected in how data is visualized on the scatterplot.

Explanation:

When creating a scatterplot, you'll want to distinguish between the two types of variables: the explanatory variable and the response variable. The explanatory variable, also known as the independent variable, is the one you suspect might be causing changes or influencing the other variable. It is usually plotted on the horizontal axis (x-axis) in a scatterplot.

Whereas, the response variable, or dependent variable, changes in response to the explanatory variable and is plotted on the vertical axis (y-axis). A classic example involves time as an independent variable and distance as a dependent variable. In an experiment to measure the distance traveled by a car over time, time would be plotted on the x-axis because it is the independent variable that you control, and distance would be plotted on the y-axis as it is the outcome you are observing.

Over a period of several decades, coffee consumption declined from 75% of the adult population in 1962 to 49% in 2004. then, it increased to 56% in 2010. a firm with a good marketing orientation would have

Answers

A good orientation would have explored the changes in these usage trends. By doing this, they could have figured out how to best market to these customers and maximize their profits. Even though there were drops in consumption, understanding and targeting those who still did consume would have borne the most success for those companies that undertook these steps.

Vinny asks if he should force Spud to finish the job. Could Oscar get a court order requiring Spud to actually build the display?

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Vinny might be able to force the completion of the project. If the two had a written agreement that has not been violated or made conditionally null, then Spud could be legally obligated to complete the project, dependent on the interpretation of the contract by the court.

Several large banks manipulated the reported rates on which key money market rate?

Answers

The answer is the key money market rate to which several banks manipulated the reported rates is "LIBOR".
LIBOR stands for London Inter Bank Offered Rate, and it is the benchmark rate that several large  banks in the world charge after the loans that are short terms and LIBOR is also known as ICE LIBOR (Intercontinental Exchange London Inter bank Offered Rate, previously it is known as BBA LIBOR (British Bankers Association LIBOR). 

When tamara is alone with michael, she tells him, "i care about your success as a sales associate and believe that the way you interact with clients is hurting your results." tamara's criticism could be more constructive if she remembered to​?

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Tamara’s criticism could be more constructive is Tamara will remember and take note of requesting or having to tell him regarding about the changes that he may apply or develop with his behavior in the upcoming task or in the future.

Tamara's criticism can be more constructive by using a positive and supportive tone, giving specific suggestions, and following the principles of effective interpersonal communication.

To make Tamara's criticism more constructive, she should utilize a more positive and supportive tone, adding specific examples and suggestions on improving client interactions.

This practice falls under the principle of effective interpersonal communication, where feedback should be actionable and encouraging, rather than simply pointing out negative aspects.

In the case of James and Maria's performance appraisal, my advice would be to maintain honesty and integrity in the appraisal process. While understanding the personal circumstances of an employee, such as financial difficulties, it is critical for James to provide accurate and fair feedback based on Maria's performance.

The secretary of state can compel involuntary dissolution when a corporation:

Answers

no such power exists constitutionally

A company just paid a dividend of $2.87 per share. the dividend is expected to grow at 25 percent per year for the next five years. thereafter, the dividend growth rate is expected to be 6 percent per year into the foreseeable future. calculate the dividend expected to be paid 8 years from today ( that is, at t = 8).

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At year 0, Dividend per share is $ 2.87

At year 1, Dividend per share is Div prev year * 1.25 or 2.87 * 1.25 = 3.5875

At year 2, Dividend per share is 3.5875 * 1.25 = 4.4844

At year 3, Dividend per share is = 4.4844 * 1.25 = 5.6055

At year 4, Dividend per share is = 5.6055 * 1.25 = 7.0068

At year 5, Dividend per share is = 7.0068 * 1.25 = 8.7585

At year 6, Dividend per share is = 8.7585 * 1.06 = 9.2841

At year 7, Dividend per share is = 9.2841 * 1.06 = 9.8411

At year 8, Dividend per share is = 99.8411 * 1.06 = 10.4316

Or using the equation D8 = 2.87*(1.25)^5 * 1.06^3 = 10.4316

 

Answer is 10.4316

What are the basic trends in diversity in the united states today? what accounts for these trends?

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Trends in diversity include gender, age, ethnicity, immigration. Several different factors have accounted the trends and changes in diversity in the workforce. These factors include: changing demographics in the labor force; employers are casting a broader net in recruiting and are looking beyond traditional sources for new employees; legislations and legal action have forced organizations to hire more diverse staff; and the globalization movement

What is the most important factor determining bankruptcy, according to the altman z-score model?

Answers

The answer to this question is earnings before interest and taxes to assets ratio
Altman z-score model is a formula that could be used by potential investors to predict whether companies are gonna get bankrupt.
According to this model, the higher earnings before interest and taxes to assets ratio, the less likely a company going to experience bankruptcy,

The Altman Z-Score model determines bankruptcy based on a company's financial ratios like Working Capital/Total Assets and Retained Earnings/Total Assets.

The most important factor determining bankruptcy, according to the Altman Z-Score model, is the company's financial condition as indicated by various financial ratios.One of the key ratios used in the Altman Z-Score model is the Working Capital / Total Assets ratio, which reflects a company's ability to cover short-term obligations with its assets.Another crucial ratio is the Retained Earnings / Total Assets ratio, indicating the proportion of assets financed through earnings rather than debt, influencing the company's risk of bankruptcy.

Colorado Traffic laws are revised each year by

Answers

The correct answer is:  C) Colorado General Assembly revises Colorado traffic laws annually, demonstrating state-level legislative authority over traffic regulations.

Colorado traffic laws are annually revised by the Colorado General Assembly, the state's legislative body.

The Colorado General Assembly consists of two chambers: the House of Representatives and the Senate.

Members of the General Assembly, including state representatives and senators, propose, debate, and vote on changes to traffic laws.

Proposed revisions to traffic laws are typically introduced as bills in either chamber of the General Assembly.

Committees within the General Assembly review and amend proposed bills before they are presented for consideration by the full chamber.

Once approved by both chambers of the General Assembly, revised traffic laws are sent to the Governor for approval.

Upon the Governor's signature, revised traffic laws become enacted and enforceable within the state of Colorado.

The revision process ensures that traffic laws are periodically updated to reflect changing circumstances, technologies, and societal needs.

Colorado traffic laws are revised each year by ?

A ) department highway administration

B) u.s department of transportation

C) colorado general assembly

D) state representative from the various Colorado state congressional district

E) none of the above

Perfect pizza wants to install a system to record orders for pizza and chicken wings. when regular customers call perfect pizza on the phone, they are asked their phone number. when the number is typed into a computer, the name, address, and last order date is automatically brought up on the screen. once the order is taken, the total, including tax and delivery, is calculated. then the order is given to the cook. a receipt is printed. occasionally, special offers (coupons) are printed so the customer can get a discount. drivers who make deliveries give customers a copy of the receipt and a coupon (if any). weekly totals are kept for comparison with last year's performance. write a summary of business activities for taking an order at perfect pizza

Answers

Summary of business activities at Perfect pizza. When a customer calls the staff takes their name and phone number are entered into the computer and their order taken. The cost of the order is calculated for the customer including tax and delivery. After the customer pays, the receipt is printed and the order then given to the cook. The pizza is delivered along with a copy of the receipt and if possible, a coupon.
Final answer:

The process for taking an order at Perfect Pizza involves asking for the customer's phone number, bringing up their information on the computer, calculating the total, giving the order to the cook, printing a receipt, and providing any coupons or discounts. Weekly totals are also kept for comparison.

Explanation:

The process for taking an order at Perfect Pizza involves several steps:

When regular customers call, they are asked for their phone number.The phone number is typed into a computer, which brings up the customer's name, address, and last order date on the screen.The order is taken and the total, including tax and delivery, is calculated.The order is given to the cook and a receipt is printed.If there are any special offers or coupons, they are printed for the customer to receive a discount.Drivers give customers a copy of the receipt and a coupon (if any) when making deliveries.Weekly totals are kept for comparison with last year's performance.

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Q 7.24: companies that report inappropriate current assets as cash and cash equivalents may appear to be

Answers

the answer to this question is more liquid.
In business, liquidity refers to how easy companies transform all assets that they  held into cash-form.
If the company's report of inappropriate current assets revolves around cash and cash-equivalent, it will be very likely that they held a lot of cash as the majority of the asset to begin with,

Geri is a minor. Without her parents’ knowledge, she signs a contract to buy an airline ticket to Hawaii for spring break. Geri’s parents are liable for

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Geri is a minor. Without her parents' knowledge, she signs a contract to buy an airline ticket to Hawaii for spring break. Geri's parents are liable for no part of the price of the ticket. This is because minors lack the legal capacity to make a contract.

Manufacturers begin building a new plant in arizona. which determinant of aggregate demand causes the change?

Answers

Investment spending will lead to the change. Investment, in this case, is any sort of spending in capital that will further a business's goals, such as in a new building or new machines as part of that building. The increased investment will lead to an increase in capacity, which can increase both aggregate supply and demand.

Bob says he has achieved his "dream job." as an engineer for a major defense systems company, he is responsible for using sophisticated airplane and weaponry equipment that creates the exact conditions that a professional may experience if he/she uses the equipment in a real-life situation. he spends several hours each day performing __________.

Answers

The answer is that he spends several hours each day performing simulation training exercises.
For some organizations, simulation exercises are getting to be plainly standard work on during the recruitment procedure. Before, they were principally used to survey specialized mastery, yet these days, they assess behavioral abilities.

You are considering two ways of financing a spring break vacation. you could put it on your credit​ card, at 17 % ​apr, compounded​ monthly, or borrow the money from your​ parents, who want an interest payment of 9 % every six months. which is the lower​ rate?

Answers

Credit card has slightly lower interest rate. Let's take a look at both interest rates for 1 year and see what costs more. First, the credit card at 17% apr compounded monthly. Each month, 17%/12 interest will be taken. The total interest over the year will be (1 + 0.17/12)^12 = 1.183891728 times the original debt. Now let's look at the loan from the parents. Over 1 year, you'll be accumulating 2 interest payments. The formula for the year will be (1 + 0.09)^2 = 1.1881 Comparing the overall rate between the credit card and the parents, the credit card is slightly lower than the parents.

The president of a growing engineering firm wishes to give each of 20 employees a holiday bonus. how much needs to be deposited each month for a year at a 12% nominal rate, compounded monthly, so that each employee will receive a $2,500 bonus?

Answers

Given that: F (Future worth) = $2,500, i (nominal interest rate) = 0.12, compounded monthly = 12 months, years of investment = 1 year, and no. of employees = 20. Compute using the annuity formula: A=Fi/(((1+i)^n)-1). Calculating i = 0.12/12 = 0.01, since it is compounded monthly. Calculating n (total number of compounding) = 1 x 12 = 12, since year of investment is equal to 1. Substituting F=2500, i=0.01 and n=12 to the annuity formula, you will get A=$197.12. Multiply by 20, you will get $3,942.44.

Final answer:

To calculate how much needs to be deposited each month for a year at a 12% nominal rate, compounded monthly, the future value formula is used. The payment would be approximately $207.57 per month.

Explanation:

To calculate how much needs to be deposited each month for a year at a 12% nominal rate, compounded monthly, we need to use the future value formula. The formula is:

Future Value = Payment x [(1 + Interest rate/compounding periods)^(compounding periods x years)]

In this case, the future value we want to achieve is $2,500 for each employee, and we want to deposit each month for a year.

Substituting the values into the formula, we get:

2500 = Payment x [(1 + 0.12/12)^(12 x 1)]

Simplifying the equation gives us:

Payment = 2500 / [(1.01)^12]

Using a calculator, we can calculate:

Payment ≈ $207.57

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