Final answer:
The majority of financing for owner-occupied single-family dwellings in the U.S. historically comes from a mix of financial institutions that offer loans, which are often backed by government programs like the FHA and the VA. The capital for these loans is generally derived from private and public savings within the U.S. economy.
Explanation:
The financing source that has historically provided the majority of financing for owner-occupied single-family dwellings in the United States is primarily composed of loans issued by various financial institutions such as commercial banks, credit unions, and mortgage companies. These institutions may originate the loans and then often sell them to government-sponsored enterprises like Fannie Mae and Freddie Mac or to private investors in the secondary mortgage market. Government programs, such as those offered by the Federal Housing Administration (FHA) and the Veterans Administration (VA), have also played a significant role in assisting Americans in securing mortgages, especially with features like lower down payment requirements and government-backed loan guarantees.
Historically, the source of funding for these loans was local banks, but over time, the system has seen a reduction in restrictions, an increase in financial institutions participation, and a focus on a few large firms. The Home Owners' Loan Corporation, established as part of Franklin D. Roosevelt's New Deal, was instrumental in refinancing home mortgages, influencing a move from a homeownership rate of around 40% at the start of the Great Depression to roughly 70% in later years. This shift was further encouraged by the economic recovery after World War II and the availability of the G.I. Bill for veterans to secure mortgages.
Despite the variety of sources for mortgages, the central purveyor of capital for these lending activities stems from private savings from inside the U.S. economy, alongside public savings. These savings provide the financial capital necessary for institutions to issue home loans.
Isabella owns 100 shares of ibm ________ stock, which means she has voting rights on company decisions at ibm, but only residual claims on the company's assets.
The pair of items that is most likely to have a negative cross-price elasticity of demand is
Many of the first responders at the chernobyl accident died within hours or days of working at the explosion site. what were they most likely to die from, and why?
The Chernobyl accident is a disaster involving nuclear explosion. They most likely die from the radiation illness as the radiation was intense that it causes poisoning and even complications such as thyroid cancers. They likely die within an instant because of the radiation illness that they have acquired.
What is adam smith's main idea about trade and economic decision making?
The GDP of country A is $400,000. The GDP of country B is $800,000. Does this mean that the per capita output of country B is about twice that of country A? Explain.
Which consumer influence is represented by the action of buying an item because everyone else is doing it?
Significant facts about consensual encounters
What is the effect of using both a variable and a control in an experiment?
Tayesha wants to find more information about a career in architecture. which resource is most likely to give balanced, accurate information
The answer on e2020 is She should use the US Bureau of Labor Statistics website since it will cover a wide range of information about the careers around the United States.
Mcdonald's ability to deliver food quickly and inexpensively has its roots in which management theory?
McDonald’s ability to deliver food quickly and inexpensively has its roots in "Classical viewpoint".
This management theory highlights innovations and more
methods to finish the work using less time and energy, more efficiently. It has
two part:
Scientific management : This stresses on scientific ways to improve the
productivity of worker.
Administrative management: this relates to the management of the entire
organization.
A 100% stacked column chart is similar to what other chart in that it converts values to percentages?
A 100% stacked column chart is similar to a bar graph as it converts values to percentages for easy comparison of different categories' contributions.
Explanation:A 100% stacked column chart is similar to a bar graph in that it converts values to percentages. In a 100% stacked column chart, the height of each column represents the percentage that each category contributes to the total of that column. This allows for easy comparison of the percentage contribution of different categories.
For example, let's say we have a 100% stacked column chart showing the percentage of students in each grade level at a school. The height of each column would represent the percentage of students in that grade level, allowing us to easily compare the proportions of students in different grade levels.
Other types of charts, such as pie charts, also convert values to percentages. However, pie charts show the percentage contribution of each category to the whole, whereas a 100% stacked column chart compares the percentage contributions of different categories to the same total.
Learn more about 100% stacked column chart here:https://brainly.com/question/28903290
#SPJ12
True or false when stephen crane's novel, the red badge of courage was published, all of his financial problems were over.
Mean absolute deviation, standard deviation, and variance are all measures of the __________.
Final answer:
Mean absolute deviation, standard deviation, and variance are measures of the spread or variability within a set of data, each highlighting different aspects of data distribution and consistency.
Explanation:
Mean absolute deviation, standard deviation, and variance are all measures of the spread or variability within a set of data. These statistical tools are essential in understanding how data points differ from the mean, indicating the distribution's consistency or variability. Mean absolute deviation is a simple measure of variability that calculates the average distance each data point is from the mean. It provides a straightforward indication of spread without squaring the deviations, making it easier to understand but less sensitive to outliers compared to variance and standard deviation. Variance, denoted as s², takes the squared differences from the mean, averaging those squared differences. This squaring process emphasizes larger deviations more than smaller ones, making it particularly sensitive to outliers. Standard deviation, the square root of variance, brings the measure of spread back to the original units of the data and is the most commonly used measure of variability, indicating the average distance of the data points from the mean.
When is it appropriate to use indirect rather than direct strategies when intervening with a guest?
Indirect strategies are appropriate for intervening with a guest in situations that require a more subtle approach.
Explanation:Indirect strategies are often used when intervening with a guest in situations that require a more subtle approach.
For example, if a guest is behaving inappropriately, a direct strategy would involve confronting the guest directly and addressing their behavior head-on.
On the other hand, an indirect strategy would involve achieving the desired outcome without explicitly addressing the behavior, such as by redirecting the guest's attention or offering alternatives.
Learn more about Using indirect strategies when intervening with a guest here:https://brainly.com/question/37847518
#SPJ12
Indirect strategies are appropriate when wanting to convey concern or uncertainty without being authoritative, while direct strategies are suitable for clear and assertive communication.
Explanation:When intervening with a guest, it is appropriate to use indirect strategies when you want to convey concern or uncertainty without being authoritative or bossy.
Using words like "possible," "likely," or "plausible" can soften the tone while expressing concern.
This can help invite the listener into a constructive conversation. Direct strategies, on the other hand, may be more appropriate when there is a need for clear and assertive communication, such as giving instructions or setting boundaries.
When formally addressing a woman, you might use ____.?
The answer is all of the above.
Depending on if they are married. Miss if they are unmarried. Ms. if you're not sure if they are or not married. And Mrs. if married.
Another purpose of the snapple video to help students understand how ________ is another strategy implementation tool.
Product positioning is an imperative component of a marketing plan. It is the procedure advertisers use to decide how to best convey their products' qualities to their objective clients in view of client needs, competitive pressures, accessible correspondence channels and carefully made key messages.
The issue of water ownership is complicated by
Final answer:
The issue of water ownership is complicated by factors such as the lack of a higher authority, complex water laws, and domestic politics.
Explanation:
The issue of water ownership is complicated by several factors. One of the main challenges is the lack of a higher authority to resolve disputes between states when it comes to water allocation. Unlike within the borders of a sovereign state, where the government can impose a solution, between states there is no such authority, leading to anarchy.
Another factor is the complexity of water laws, which can work against efforts to conserve water. For example, the rule of capture states that landowners have the right to pump and capture water beneath their property, regardless of the effects on neighboring wells. This can create problems for the viability of aquifers.
Moreover, domestic politics can hinder bilateral or multilateral solutions, as treaties to share water resources may face opposition from interest groups within each state. Stronger states may also prioritize their own interests over sharing water with weaker states.
IF it costs 75,000 to put on an event and total revenue is 135,000 what is the profit as a percentage of revenue
Final answer:
The profit as a percentage of revenue is 44.44%.
Explanation:
The question asks for the profit as a percentage of revenue.
To find this, we first need to calculate the profit, which is the total revenue minus the total costs.
In this scenario, the total revenue is $135,000 and the costs to put on the event are $75,000.
So, the profit is $135,000 - $75,000 = $60,000.
Next, to find the profit as a percentage of revenue, we divide the profit by the total revenue and then multiply by 100. So, it is ($60,000 / $135,000) * 100 = 44.44%.
Four students about to purchase concert tickets for $18.50 for each ticket discover that they may purchase a block of 5 tickets for $80.00. how much would each of the 4 save if they can get a fifth person to join them and the 5 people equally divide the price of the 5-ticket block?
Why aren‘t magazine photos a good representation ofwhat a healthy person looks like?
Which distribution strategy seeks to achieve the greatest reach in the market such that the product could be accessed by the most people possible?
Why is optimism important for an employee?
Answer:
Explanation: Optimism is important for an employee because having a positive attitude will greatly favor the work he is doing. With an optimistic mood, the employee will be allowed to be happier and have better relationships with co-workers. In addition to the positivism that you print to your work, you will be reflected in overcoming the difficulties that arise, as well as obtaining greater achievements.
you notice that juice is now selling for much higher prices than in the past, which two things would you expect to happen next
demand will go up?
supply will go down
demand will go down
supply will go up
Answer:
demand will go down
Explanation:
The higher the price, the lower the quantity demanded. Then, the lower the price, the higher the quantity demanded
A yardage chain that joins two rods exactly 10 yards apart is the only type of line-to-gain equipment that shall be used during a game
Why will producers and suppliers have a surplus of goods during a time of deflation?
Why has america been referred to as the land of opportunity 1 point?
Today, the majority of mass-media outlets are owned by six corporations. this is a product of ___.
This is a product of media globalization. The media globalization is where it focus more on the role of the mass media and the how the media influence the people or the society in which corporations owns this media outlet in a way of producing media globalization.
The phenomenon of six corporations owning the majority of mass-media outlets is a product of media oligopolies or media concentration. This refers to a situation where a small number of corporations dominate the media market, influencing the information citizens receive and what they consider important.
Explanation:Today's pattern of the majority of mass-media outlets being owned by six corporations is a product of what is known as media oligopolies or media concentration. It refers to a state where a small number of firms, in this case, six corporations, hold the majority of media channels and content.
This media ownership pattern has led to a situation where these corporations exercise unprecedented levels of political and commercial influence. They determine not only what people see but also what they consider important. It prompts concerns over the threat that media concentration poses to pluralism and diversity of views.
In the United States and Europe, five or six corporations own and produce about 90% of the media content. This pattern has been shaped by processes such as mergers and acquisitions among media companies, which have led to the formation of massive conglomerates. This trend is evident in both the US and Europe, evidencing a global pattern of media concentration.
Learn more about Media Oligopolies here:https://brainly.com/question/29987225
#SPJ12
in a corporation, managers are often faced with ethical trade-offs when a certain decision will benefit one group, but harm another.
I believe that the correct answer to this is:
“True”
Actually in every decisions, there are always the pro’s and con’s, the good and bad. In some ways, managers have to deal of some ethical trade-offs in making decisions such as ending a contract of one to keep the other, and such,
Sam already knows that the ________ tells us how much of one currency we must pay to receive a certain amount of another.
The government has remained largely uninvolved in regulating the economy. do you support the government's laissez-faire business policies? why or why not?