When qualifying a buyer the lender will calculate the debt coverage ratio, which measures?

Answers

Answer 1
The debt coverage ratio is a measure of the cash flow available to pay the current debt obligations. This means that the lender is trying to figure out if the lender has enough money coming in so that they are not putting themselves into further debt.

Related Questions

Daniel works hard this semester because he needs to pass all the courses to graduate in time. if he does not finish his degree this semester, his employer will probably lay him off and find someone else to do his job. this is one example of

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Daniel works hard this semester because he needs to pass all the courses to graduate in time. If he does not finish his degree this semester, his employer will probably lay him off and find someone else to do his job. This is one example of extrinsic motivation.

Extrinsic motivation refers to behavior that is driven by external rewards such as money, fame, grades, and praise. This type of motivation arises from outside the individual, as opposed to intrinsic motivation, which originates inside of the individual.

The overall, company-wide program for selecting a particular target market and then satisfying consumers in that market through careful blending of the elements of the marketing mix is known as

Answers

Answer:  "marketing strategy" .
____________________________________________________

Which of the following are sources of income?

salary
deductions
part-time work
odd jobs
wishful thinking

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As much as I wish this wasn't true, wishful thinking is not a solid source of income. :'(

Answer: Part time work and odd jobs

Part -time job is a source of income because it is a job done part time which brings a pay at the end of the working period.

Odd jobs no matter how odd they are are also sources of income as long as the worker gets paid.

In an agile project, teams are given several requirements but only deal with one at a time, with each iteration being referred to as a __________.

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The iteration that are each being referred is a sprint. A sprint is being defined as a time that is being set in which are done in order to meet the tasks that is needed to be made for it to be accepted or to complete them.

Chet, a minor, signs a contract with porsha, an adult. the contract is

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The contract is invalid unless Chet has an adult to co-sign his portion of the contract. Minors are not able to sign off on any type of legal document without the approval of a parent or guardian.

Many innovative technology products are released as​ a(n) _____ test to allow usage and feedback from a small number of users who are willing to test the product under​ normal, everyday conditions of use.

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Beta versions of software are versions ready for general release but before general release are made available to select users in order to iron out unexpected kinks and make sure that nothing is missed, especially in builds and backward compatibility.

A problem the group decision support system (gdss) intended to solve is:

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This makes sure that everyone's ideas and inputs are heard. This sort of support system allows for those who might be less inclined to speak out in other situations the ability to give their suggestions without worrying that they would be shot down straight away.

Final answer:

The problem that the GDSS is intended to solve is coordination challenges in group decision-making.

Explanation:

The problem that the Group Decision Support System (GDSS) is intended to solve is coordination challenges in group decision-making. These challenges occur when group members generally agree on the goals but disagree about the specifics. GDSS provides a platform for everyone to participate in making decisions through voting or deliberative methods, reducing conformity costs but potentially increasing transaction costs.

Compare the demand for sugarsugar with demand for gasolinegasoline. the demand for sugarsugar is likely

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In this case, the demand for sugar is likely more Inelastic because it only took smaller fraction of consumers budget.
Since sugar is really cheap, an increase of sugar's price will not even be noticed by the customers (because it probably not even in dollar amount). Because of this, the demand for sugar will remain constant despite the changes in price.

The recent financial and healthcare reform bills provide examples of how marketing can be impacted by which macroenvironmental factor?

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Macroenvironmental factors can be impacted by marketing. These factors are important in health care systems. The microenvironment of a firm includes the culture, demography, economy and political and legal issues.
The recent financial and healthcare reform bills provide examples of how marketing can be impacted by the economy.

What is the opportunity cost of saving money to purchase a car?
A) the cost of working hard to save money
B) the money you could have earned at a job
C) the money could be used to go on vacation
D) the cost of insurance, gas, and maintenance

Answers

The answer is the money could be used to go on vacation

The correct option is C) the money could be used to go on vacation.

What is the opportunity cost of saving money?

The opportunity cost of saving is that saving leaves you with less money to use for buying goods and services today.

What is opportunity cost simple definition?

Opportunity cost is the profit lost when one alternative is selected over another. The concept is useful simply as a reminder to examine all reasonable alternatives before making a decision.

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How has the internet affected the way interest groups do grass-roots lobbying?

Answers

Answer:

The Internet is a low-cost way to connect members

Explanation:

Grad-point - 7 - Interest groups at Work - quiz

Fiscal policy is defined as changes in federal ________ and ________ to achieve macroeconomic objectives such as price stability, high rates of economic growth, and high employment.

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Fiscal policy is defined as changes in federal taxes and expenditure to achieve macroeconomic objectives such as price stability, high rates of economic growth, and high employment. It means by which a government modify its spending levels and tax rates to monitor and influence a nation's economy.

If a country has a rising middle class what does this social change mean for business?

A: there will be more people with discretionary income creating business opportunities.
B: A company should be very cautious about entering the market in case the progress does not last.
C: products generated within that country will have a strong advantage over those produced in other nations
D: The middle class will not have as much spending power as the rural regions of the country

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There will be more people with discretionary income, creating business opportunities.

-Gradpoint

which does the following illustrate?
Claire's office has lots of windows good air circulation unfriendly coworkers
A.job outlook
B.job environment
C.lifestyle
D.values

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The description about Claire’s office given in the question seems to refer to her (B) job environment. Job environment refers not just to the physical form of the workplace, such as the good amount of windows and good air circulation, but also to her social environment, which includes her co-workers.

Job outlook refers to how sought after her occupation will be in the future, while values and lifestyle are incorrect because it does not relate directly to work conditions.

To be​ effective, business messages should​ __________.
a. never contain opinions
b. adopt an informal tone
c. not make arguments or recommendations
d. use abstract words that lend themselves to interpretation
e. show your readers how they will benefit by responding to your message

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The answer is B. You never want to adopt an informal tone for your company. 

Why does the use of several depressants at once often prove to be a lethal combination?

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The nervous system uses Gamma-Amino Butyric acid (GABA) as a neurotransmitter in the central nervous system. The use of several depressants increases the transmission of GABA that may cause the nervous system to slow down. The reaction of the body to several depressants is also unpredictable which makes it more dangerous.

The evolutionary process that selects variations in inherited characteristics that best suit an individual for survival and reproduction in a particular environment is known as:

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This specific process is called the theory of evolution. It is based on the survival and reproduction in a particular environment over a long period of time. An example of this is how humans have evolved over the many years they have been on this planet.

Suppose you filed your taxes and received a small refund from the IRS. What would have been the impact on the refund amount if you had decreased the W-4 allowances for that tax year?

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the refund amount will have increased.
w-4 is the form that you signed so your employer could withdraw a portion of your payment to be alocated to federal income tax. The fewer W-4 allowances you take, the more is withheld from your paycheck for tax purposes because the amount of tax payment that you have to pay is also increasing.

If you decreased your W4 allowances then more tax would be taken off your paycheque and the result would be that you would receive a larger refund which is a pleasant thing to happen and ensures that you will not have to pay more taxes and represents a little savings also.

People who bring resources together to make a good or service ____

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the answer to your question would be entrepreneur!

When preparing to move from a curb you should always check your fuel gauge?

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that statement is true.
If your oil tank got empty as you move from the curb, you will create a blockage toward other vehicles with yours.
This will result in a traffict jam and you might cause hardship for a lot of people that got into trouble for being late because of you.

An auto worker in ohio who loses her job because the company relocated the plant to another country represents an example of
a. structural unemployment.

Answers

Yes this is correct if you put your answer in the right wording.  
Final answer:

The situation represents structural unemployment. This occurs when there is a mismatch between job-seeking workers' skills and the employers' needs, for example due to changes in industry location.

Explanation:

The situation described where an auto worker in Ohio loses her job because the company relocated the plant to another country is referred to as structural unemployment. Structural unemployment is a type of unemployment that occurs when there is a mismatch between the skills of the job-seeking workers and the skills needed by the employers. For instance, this can happen due to technological advances, changes in consumer demand, or changes in location of industry as in this specific example of the company moving out to another country. The worker's skills may no longer be in demand in their geographical location and they may have to undergo training for a new job role or move to where those jobs are available.

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What is a business organized according to the regulations of the united states government?

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A business organized according to U.S. government regulations operates within a framework of laws covering issues from banking to safety, ensuring fair and ethical operation.

A business organized according to the regulations of the United States government is defined as an entity that operates within the framework set forth by various laws and rules. These regulations govern aspects such as banking, emissions, food and product safety, and fair labor practices.

This structured approach towards business operations is designed to maintain order, ensure efficient functioning of society, and safeguard the public interest, even within the realms of a fundamentally capitalist economy.

From the late 19th century, the U.S. government began to exert more influence over businesses, aiming to regulate and limit the power of monopolies and trusts. As businesses grew and became more complex, so did the government's role in ensuring they operated ethically and met societal goals.

The government regulates businesses by enforcing laws through federal and state agencies, which affects how companies conduct their activities, from worker safety to environmental protection.

In the U.S., there are three main types of business organizations: sole proprietorships, partnerships, and corporations. Moreover, other entities like non-profits and cooperatives also play significant roles in the economy, all operating under the umbrella of government regulations to ensure competition, innovation, and public welfare.

What are some ways to protect intellectual property

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Patent, copyright are two.

How did innovations in marketing and sales encourage conspicuous consumerism in the united states?

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More products were available lower prices than before.
Prices go down and people can afford more goods.
Marketing and sales innovations make use of advertising to create awareness about products. Advertising is a kind of communication which typically persuade people to buy an idea, product or service. Advertisers usually intentionally create messages to convince the consumers that they need the product that is been advertised. Along with advertising, companies also provide innovative means by which consumers can engage in wide scale shopping. All these encourages consumers to acquire goods and to increase their consumption of diverse products; this leads to conspicuous consumerism in America.

Increasing your 401k deduction will ________ your take-home pay and __________ your federal taxes in the current year.

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Increasing your 401k deduction will  LOWER/DECREASE your take-home pay and LOWER/DECREASE your federal taxes in the current year.
401k is a specific amount of money that will be deducted from your initial pay so it could be allocated to your pension account.
When 401k deduction increased, it will take a bigger chunk on your salary, so your take-home pay will be reduced. The amount of 401k deduction is considered as pre-tax, so it would not be counted in federal tax.

A negative cost variance combined with a negative schedule variance is an indicator of

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Cost variance and schedule variance are indicators of efficiency of a project. Therefore if you have a negative cost variance and a negative schedule variance, then the project is inefficient and you should look into ways to cut costs and save money.
Final answer:

Negative cost variance and negative schedule variance indicate that a project is over budget and behind schedule. These variances can exhibit patterns such as a consistent negative value, a gradually increasing negative value, or an increasing rate of negative values which signify if the project's issues are static, worsening consistently, or accelerating.

Explanation:Negative Cost and Schedule Variances

A negative cost variance combined with a negative schedule variance is indicative of a project that is over budget and behind schedule. Specifically, a negative cost variance means that the actual costs are exceeding the budgeted costs, while a negative schedule variance indicates that the project is taking longer than planned. If both variances are negative, the project is facing challenges in terms of cost control and time management.

Interpreting Variances

There are three possible patterns for the variances:

A negative value that does not change with time suggests a consistent over-budget situation.A gradually increasing negative value (straight line) indicates that the cost overrun or schedule delay is worsening consistently over time.An increasing rate of negative values over time means that the project is spiraling further out of control, with the overruns accelerating.

The specific pattern of the variances provides insights into whether the project issues are static, worsening at a steady pace, or accelerating, which requires different approaches for mitigation and control.

1. The three main types of banks (Large Traditional, Credit Union, Online or Online-Only) have many tradeoffs with respect to technology, convenience, personal experience, fees and savings rates. For this question, put aside all of the trade-offs and look only at savings rate offered on savings accounts. Rank the following from highest to lowest on the interest rates they o

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Based on the interest rate they offer on saving accounts, the bank that offers the highest interest rate is ONLINE BANK, followed by CREDIT UNION and last of all TRADITIONAL BANK. These banking institutions also sometimes offer higher interest rates that then usual for high amount of savings.

5: Your checkbook shows a balance of $413. Your bank statement says you have $373. Assuming you are missing just one transaction, what is the amount of the transaction you are missing?

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Assuming you missed a payment of $40
The amount of the transaction you are missing would be 40$.

The standard for sending security assertions is ________.
a. ldap
b. xml
c. saml
d. none of the above

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The standard for sending security assertions is SAML. Answer: C
SAML stands for Security Assertion Markup Language. It is a standard for exchanging authentication and authorization data between two parties and it is used for logging users into applications. The standard is open. 
Final answer:

SAML, an XML-based framework, is the standard for sending security assertions. This standard allows entities to make statements about identity, attributes, and entitlements, which is crucial for access control to web-based systems.

Explanation:

The standard for sending security assertions is SAML (Security Assertion Markup Language). SAML is an XML-based framework for communicating user authentication, entitlement, and attribute information. As its name suggests, SAML allows business entities to make assertions regarding the identity, attributes, and entitlements of a subject to other entities, such as a network-connected application. This standard is widely used for controlling access to web-based applications and services, beyond the firewall.

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What should be the primary goal of a financial manager?

Answers

Final answer:

The manager is a key figure in all the companies. The main goal of a financial manager is to maximize the shareholder's wealth by effectively managing the company's financial resources. They are responsible for planning, budgeting, forecasting and controlling the firm's financial resources.

Explanation:

The primary goal of a financial manager should be to maximize the shareholder's wealth and ensure the financial health of the organization. This can be achieved by successfully managing the company's financial resources, including investments, budgeting, and forecasting. The financial manager is responsible for planning, organizing, controlling, and monitoring the firm's financial resources to achieve the company's goal of wealth maximization and sustainability.

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Final answer:

A financial manager's primary goal is to enhance shareholder value by managing finances, planning for growth, assessing risk, and making investment decisions, whilst also considering macroeconomic goals like economic growth, low unemployment, and low inflation.

Explanation:

The primary goal of a financial manager is to maximize shareholder value and aid the company in achieving its overall objectives. This involves managing current finances, strategizing for future growth, analyzing risks, and making sound investment decisions. The financial manager should also focus on achieving long-term economic growth, ensuring low unemployment, and maintaining low inflation.

As a company matures, becoming more established and profitable, the financial manager's role can shift. Beyond just knowing the company's business plans, the financial manager must understand the larger economic picture, including elements such as bondholders and shareholders who invest in the company. Therefore, strong financial management can enable the company to secure the necessary financial capital.

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