determine the time (in a years and days) it would take for a $36,000 loan at a rate of 3% to cost the borrower $400 in interest?

Answer:

1.) The APR will be 24%

2.) credit cards 2 and 3 will have annual fees.

3.) The grace period is the same for all three cards. Credit card 3 has a membership

4.) Credit card 1

5.) Credit card 1

Hope this helps

The credit card market is significant, with millions of Americans holding cards and incurring both interest and fees. However, there is insufficient data to definitively answer the student's questions about the specifics of credit card terms and fees without additional information regarding the cards' details.

The market for borrowing money with credit cards has seen significant user engagement, with nearly 200 million Americans as cardholders. These credit cards typically charge an interest rate ranging from 12% to 18% per year. In May 2021, there was about $807 billion outstanding in credit card debts. Understanding the costs associated with credit cards, including the average annual interest rate of 15%, plus additional fees for late payments or basic fees for the cards themselves, is crucial when choosing a credit card.

Regarding the question specifics, there is no given information about credit card #1's interest rate after six months, the annual fees for any cards, or the grace period terms to directly answer points 1 to 3. For question 4, without the fees listed for credit card #3, we can't discern what unique fees it might have. Finally, questions 5 and 6 debate the best credit card choice depending on payment habits but require more details about the cards' terms to answer appropriately.

Both A and B (Health Insurance and Retirement Savings) are an example of a withholding you might see on your pay stub.

A withholding tax is the income tax paid to the government by the payer of the income rather than by the recipient of the income. Withholding allowance is an exemption that reduces how much income tax of an employer deducts from an employee's paycheck.

A pay stub also known as a paycheck stub or pay slip is the document that itemizes how much employees are paid. It is that outlines the details of their pay of each pay period.

The pay stub include:

Both A and B (Health Insurance and Retirement Savings) are an example of the withholding you might see on your pay stub. Health insurance is the insurance against illness, accident, injury, poisoning also life threatening conditions.

Grade:        9

Subject:  business

Chapter:  pay stub

Keywords:  pay stub, health insurance, withholding tax, retirement savings,  paycheck

Health insurance and retirement savings are the example of a withholding which can be seen on the pay stub.

Further explanation:  

Withholding:

The tax charged on wages and commissions on the basis of income is termed as withholding.

• Health insurance covers the insurance of the whole body and the medical expenses also. Withholding can be seen on the pay stub of health insurance. So this option is also correct. But not completely correct as withholding can be seen on the pay stub of retirement savings also which is in the next option.

• Retirement savings plan is a retirement plan, withholding can be seen on the pay stub. It is an example of withholding.

• This option is correct as withholding includes both the example of health insurance and retirement savings.

• This option says that neither health insurance is an example of withholding or the retirement savings, so this is not correct. As health insurance and retirement savings are an example of withholding which can be seen on the pay stub.

Thus, health insurance and retirement savings are an example of withholding.

Learn more:

1. Insurance

brainly.com/question/7325538

2. Life Insurance

brainly.com/question/2674013

3. Insurance rules

brainly.com/question/6075135

Answer details:

Grade: High School

Subject: Business

Chapter: Insurance

Keywords: Which is an example of a withholding you might see on your pay stub, health insurance, retirement Savings, both a and b, neither a nor b, tax, applied, wages, commission, bonuses, medical expenses.

Answer:

A positive number for the Consumer Price Index shows prices are falling

Answer:Businesses Management and Administration

Explanation:

The holder of a promotional permit may engage in activities to promote and sell alcoholic beverages.  

Further Explanation:

Promotional permit:

Promotional permit means the owner of the company gives the right to promote the product of its company. The holder of the promotional permit pays some amount of fees to get this right of promoting the products for the particular company.  

Promotional permit mostly includes alcoholic beverages items. The holder of the promotional permit is a person and company who takes this right to promote and sell alcoholic beverages. The holder earns profit and pays an annual fee to the owner for granting the right.  

In the united states of America, the 79th legislative session was introduced a new promotional permit. In the new promotional permit, the promotional permit fees are $300.  

The holder of the promotional permit does not have the right to sell off the business. It only has a right to promote and sell the products. Whether the outlet is sold or shut down, this decision is taken by the owner of the company only.  

Learn more:

1. Learn more about beverage private club

https://brainly.com/question/4252836

2. Learn more about alcoholic beverages

https://brainly.com/question/8042953

3. Learn more about action at the time of the arrest

https://brainly.com/question/4610067

Answer details:

Grade: Middle School

Subject: Business studies

Chapter: Business law

Keywords:

Alcoholic beverages, promotional permits, manufacturer, brewer, wine bottler, distiller, winery, or rectifier, owner, holder, right, grant, use, sell, promote, business law.

Answer:

owner takes all the risks an liability  

Explanation:

The primary drawback of a sole proprietorship is the proprietor's unlimited personal liability. This means the proprietor's personal assets could be at risk if the business faces financial or legal trouble.

The major drawback of a sole proprietorship is the unlimited personal liability. Under a sole proprietorship, the business owner is directly responsible for all the debts and liabilities of the business. In other words, if the business can't pay its debts or if it faces legal action, the owner's personal assets (e.g., home, car, savings) could be targeted to cover those obligations.

For instance, if a customer is injured in the course of doing business with the proprietor, and files a lawsuit, the proprietor’s personal assets can be at risk. While this arrangement provides the owner with full control and all profits, it also places a potentially significant burden on them in terms of financial and legal responsibility.

https://brainly.com/question/33722313

#SPJ6

The correct answer is A. mission statement

Just took the test and got it right

If we're expecting 7.5% of an increase of our $3,000 in 40 years, then we need to figure out how much of an increase we will get for the 5 plus years.

1.We're constantly dividing until we get the left side to 5 (years).

7.5% -- 40   (Half of 40 is 20, so let's divide by 2 on both sides)

3.75% -- 20 (Half of 20 is 10, so let's divide by 2 on both sides)

1.875% -- 10 (Half of 10 is 5, so let's divide 2 on both sides)

0.9375% -- 5 (We've reached our goal!)

2. Now we have to plug in.

$3,000 x 7.5 = 22,500 (Initial)

Our New Problem with 45 Years Total:

Answer: $3,000 x 8.4375 = $25,312.5

(I never completed a problem like this before, so I hope that this helps. Goodluck.)

No, because the government decides what to produce and individuals have no say in the matter.

The depletion of nutrients from soil due to intensive wheat production is crucial in planting decisions because soil quality significantly influences crop yield. Monoculture, the practice of growing the same crop repeatedly, can lead to soil degradation, making sustainable farming practices essential. Soil health directly affects wheat success, so crop rotation and sustainable practices are key to maintaining soil fertility and productivity.

The intensive production schedule in farming practices can have significant consequences on soil quality, affecting the growth and yield of crops like wheat. Frequent planting of the same crop, known as monoculture, exhausts soil nutrients and increases susceptibility to pests. This depletion is a critical issue because wheat, like many other crop species, relies on a robust nutrient cycle maintained by a diverse array of soil organisms that supports the crops' growth from planting to harvest. Moreover, an annual plant like wheat only has a short life cycle, ending with the formation of fruits and seeds, which reallocates resources from the rest of the plant.

Intensive production can also lead to other forms of soil degradation, such as erosion and loss of organic matter, disturbing natural nutrient cycles. Hence, decisions around wheat cultivation must consider the importance of preserving soil quality to maintain high yield and crop success.

Crop success is also challenged by changing environmental conditions such as warmer temperatures, which extend the plants' growing season and their nutrient demands. Thus, agricultural practices must be sustainable to conserve soil health, ensuring that the land remains fertile for future planting cycles. Strategies such as crop rotation, organic farming, and the introduction of nutrient-enriched and climate-resilient wheat varieties may help overcome the detrimental effects of soil nutrient depletion.

The answer is "She should pay down her student loan and credit card debt".

Student loans and credit cards are two of the most broadly held kinds of debt — and two of the most hard to reimburse. Concentrating on one obligation at any given moment is the best method to satisfy numerous obligations. Utilizing this system, you'll make enormous, singular amount installments to only one explicit obligation and least installments on all the others. Making sense of whether to pay off student loans or credit cards initially can be extreme.

Answer:

The difference between Islamic Management and Conventional management are discussed below.

Explanation:

Islamic Management

Conventional Management

Answer: c. facilitator

Explanation: it’s right

If your role in a group is to increase the team’s efficiency, you are probably the a Facilitator.

A Facilitator serves as a person that help in making a process to succeed and making a goal to be achieved at the proposed time.

Therefore, a Facilitator help to bring about the efficiency of the task and making the team to achieve their goal.

Learn more about Facilitator at :

https://brainly.com/question/25658352

#SPJ2

Money that has been spent and cannot be recovered is known as sunk costs. The term sunk cost is used in economics and business decision-making. It denotes a cost that has already been incurred. These costs are excluded from future business decisions because the cost will be the same regardless of the outcome of a decision

A solid yellow line on your side of a broken yellow center line indicates that you're not allowed to pass or overtake other vehicles, while those on the side of the broken line can pass if safe to do so.

In the context of road markings, a solid yellow line on your side of a broken yellow center line is usually a traffic rule. These traffic lines serve as a guide for vehicle movement and turns on the road. If a solid yellow line is on your side, this generally means that you're prohibited from overtaking or passing other vehicles. On the other hand, the side with the broken yellow center line indicates that they can pass if traffic conditions allow it.

Remember, road markings are there to promote safety and manage traffic flow, and it's important for all drivers to follow these rules.

https://brainly.com/question/35548779

#SPJ6

A solid yellow line on your side of a broken yellow center line means that you are not allowed to overtake the vehicles in front on this side of the road, signifying 'no passing zones'. It is used in areas where visibility is limited for safety reasons.

When driving, spotting a solid yellow line on your side of a broken yellow center line represents a particular traffic rule. It means that you are not allowed to pass or overtake the vehicles in front of you on this side of the road. The solid yellow line signifies 'no passing zones' in areas where visibility is limited and it is not safe to overtake, for instance, near bends or hill crests.

The rules of the road are designed to ensure safety during our daily commutes. The lines and symbols on our roads have specific meanings and must be interpreted correctly for the safe and efficient movement of all vehicles. Always remember to stay within the confines of the traffic rules and respect the instructions indicated by road markings.

https://brainly.com/question/35894294

#SPJ6

You need to think of how much money you will be withdrawing if any, and how much interest you will earn. I keep my money in a ROTH ira and at a credit union. I choose to keep my money here because in the ROTH I earn a lot of interest and my money is available if necessary. I keep the other half at a credit union because of the limited fees and the benefits it gives me because I still go to school.

When choosing a financial institution, important considerations include accessibility, safety, rates of return, and customer service.

When choosing a financial institution, there are several important considerations to take into account. One consideration is the accessibility of your money, as you want to ensure that you can easily access your funds whenever needed. Another consideration is the safety of your money, which can be ensured by checking if the institution is insured by a reliable agency like the Federal Deposit Insurance Corporation (FDIC). Additionally, you may want to consider the rates of return and the level of customer service provided by the institution.

https://brainly.com/question/4526720

#SPJ12

The answer is:

They invest more money than they can afford.

They focus heavily on familiar investment opportunities.  

They hold onto investments longer than they should to recoup losses.  

They put all of their money into one kind of investment at a time

Investing more money that you can afford could directly bankrupt you if the investment is somehow failing.

Familiar investment opportunities tend to attract a lot of people. This could cause the value of your investment to fall because many people are buying it.

Often times, smart investors need to aware when they should acknowledge loss and get out before too late.

Smart investors would diversify their portfolio. If one of their investment fail, they can still have a chance to recoup the loss by allocating the profit from other investment.

Answer: A, D, E, F on edge

Explanation:

When a credit card is lost, it should be reported immediately to the issuing banks and credit card companies to prevent fraudulent charges and to limit liability. Following this, individuals should consider placing a fraud alert, reporting identity theft to the FTC, and taking steps to secure their personal information.

If a credit card is lost, one should immediately report the loss to your banks and credit card companies. Doing so will help protect you from fraudulent charges and limit your liability. It's important to act quickly to minimize potential damages and to start the process of securing your financial accounts. Following the report, you should also consider placing a fraud alert on your credit reports, and if necessary, report identity theft to the Federal Trade Commission (FTC).

Moreover, to recover from identity theft, it is recommended to close any unauthorized new accounts, remove bogus charges, and correct your credit reports. Regular monitoring of your credit reports and considering a freeze on all your accounts can be crucial steps in protecting your financial well-being. Remember to also protect your credit and debit cards, maintain secure passwords, and use antivirus software to safeguard your personal information.

Acceptable references on a resume/job application are past employers (A) and teachers (B), making the correct answer D. Family members should not be used as professional references unless there is no work experience to draw from.

When it comes to selecting references for a resume/job application, the acceptable choices are typically past employers and teachers. Family members are generally not considered professional references unless you lack any paid work experience and need someone to vouch for your character. References are individuals who can attest to your qualifications, work behavior, and skills. A reference might be a direct supervisor, colleague, former client, or instructor. Make sure to ask for their permission to use them as references and ensure your reference sheet is consistent with the style of your resume and cover letter.

It is advised to not list references directly on your résumé, but rather provide them on a separate sheet when an employer requests them. Typically, providing three references is sufficient. It's important to select people who are willing to serve as references and can give positive and relevant accounts of your work history. They should be informed that they may be contacted by the employer once you have provided their details.

Cash surrendering a Universal Life insurance policy early may be seen as a red flag for Insurance Fraud. Frequent early surrendering could suggest the policyholder is using the policy for immediate monetary gain instead of its intended long-term protective purpose.

When a policyowner cash surrenders a Universal Life insurance policy in its early years, it can be seen as a potential red flag for insurers. This is largely associated with the phenomenon of 'Insurance Fraud'. Insurance Fraud is a deliberate deception committed against or by an insurance company for unlawful financial gain. In context to a Universal Life insurance policy, policyowners can build up cash value through their policy. If a policyholder frequently surrenders these policies after a short period of time, it could indicate they are attempting to manipulate the system for gain, rather than using the policy for its intended purpose of long-term financial protection.

https://brainly.com/question/31667958

#SPJ6

Answer:

Behavioral finance is the branch of economics that studies how people make financial decisions. These finances are related to personal and family finances, because these are factors that directly influence an individual's economic decisions.

Explanation:

Behavioral finance is an area of studies in Economics that aims to understand the decisions that people make in the financial sphere, from the very structure of human behavior, their motivations and, in general, from Psychology. These decisions are directly linked to personal and family factors and therefore we can say that they are related to personal and family finances.

At different times, these two sciences (economics and psychology) "flirted", without ever fixing a point truly common to each other. In particular, because for a long time Economics saw the components it studied following the ideal of Homo Economicus, that is, that of a human being who produces and consumes following only his own rationality.

A. allows you to diversify as opportunities develop.

Answer:

The answer is A.

Explanation:

The answer is D. a profit margin of 15–20 percent.

took the pf test and got 100%