Answer:
A. Neuromarketing
Explanation:
Neuromarketing uses functional magnetic resonance imaging and brain waves to study the involuntary responses to marketing stimuli of an individual
Neuromarketing is the study of involuntary responses to marketing stimuli via neuroscientific methods such as fMRI and EEG to understand consumer behavior and tailor marketing strategies.
Explanation:The study of an individual's involuntary responses to marketing stimuli, such as eye movement, heart rate, skin conductance, breathing, brain activity using functional magnetic resonance imaging (fMRI), and brain waves using electroencephalography (EEG), is known as neuromarketing. Neuromarketing employs neuroscientific methods to understand the consumer's black box, which contains the buyer characteristics and the decision process that elicits responses to marketing stimuli. The stimuli considered in neuromarketing can be interpersonal or intrapersonal and involve planned marketing activities as well as environmental factors influenced by social, economic, political, and cultural circumstances.
Neuromarketing uses tools like functional magnetic resonance imaging (fMRI) and EEG to record neurological responses and create a detailed understanding of how consumers react to different marketing stimuli, enabling companies to tailor their marketing strategies more effectively.
As a business owner who opens a business abroad, you can use different staffing strategies to determine how you will obtain your employees. Differentiate between the three types of staffing policies used by international companies and identify 2 advantages of each approach.
Answer:
The three staffing policies used are:
Ethnocentric, Polycentric, and Geocentric staffing
Explanation:
1. Ethnocentric staffing or better still ethnic based staffing in companies refers to a policy that places only employees from the company's home country in Top management positions.
Advantages
1. The culture of the entire organization is kept or retained by employees from the same home country of the company.
2. Only eperienced Employees are placed at Top management positions in the business of the firm. Very useful in cases where the domestic employees have less experience.
2. The polycentric staffing policy places home country workers to Top positions in company, and foreign employees (foreign nationals) to other lesser positions.
Advantages
1. Local or domestic employees offer their understanding of local market better, which increases the productivity of the company.
2. Opens job opportunities for the locals which encourages their career development.
3. The geocentric staffing policy allows any person qualified for the position, irrespective of their culture or nationality; whether foreign or domestic employees.
Advantages
1. It is highly neutral (unbias) and flexible.
2. Knowledge sharing and work diversity is encouraged.
International companies use three types of staffing policies: ethnocentric, with advantages like unified corporate culture and easier management; polycentric, which reduces cultural barriers and saves costs; and geocentric, fostering a global perspective and a wider talent pool.
Different Staffing Policies Used by International Companies
When a business owner opens a business abroad, there are three main types of staffing policies that can be employed: ethnocentric, polycentric, and geocentric.
Ethnocentric Staffing Policy
With an ethnocentric approach, key positions are filled by employees from the home country. Two advantages of this approach include:
Maintaining a unified corporate culture: This ensures that the core values and practices of the company are consistent across all international branches.Facilitating communication and control: Home country nationals are familiar with the company's headquarters, which can make managing international subsidiaries more straightforward.Polycentric Staffing Policy
A polycentric staffing strategy hires host country nationals to manage local subsidiaries while parent country nationals occupy key positions at the corporate headquarters. Two advantages include:
Reduced cultural barriers: Local managers are already accustomed to the culture and business environment of the host country, which can lead to smoother operations.Cost savings: Employing local staff reduces the need for expensive expatriate compensation packages.Geocentric Staffing Policy
Geocentric staffing selects the best person for the job regardless of nationality, aiming for a truly global workforce. Two advantages are:
Development of a global perspective: This approach supports a multicultural management team that can better understand and appeal to international markets.Increased pool of talent: Companies can draw from a wide range of highly qualified individuals, regardless of their origin, which may improve overall organizational performance.Lorna Perry, who works in a financial firm in Michigan, is required to calculate a large number of clients' accounts daily. She needs to tally figures and check accuracy at a high speed. Which of the following dimensions of intellectual ability does Perry most likely use?
a. deductive reasoning
b. number aptitude
c. extent flexibility
d. visual perception
e. perpetual speed
Answer:
B) number aptitude
Explanation:
Number aptitude or numerical aptitude refers to someone's capacity to quickly and accurately perform math calculations. Numerical aptitude is a cognitive ability that an individual may have a strong preference for or the capacity to perform. Usually people with strong numerical aptitude tend to work in engineering, finance, sales, computer science, scientific fields and accounting.
Lorna Perry, working in a financial firm and dealing with a large amount of numerical data, is most likely using her number aptitude. This dimension of intellectual ability involves the effective computation of numbers and the accurate and swift processing of numerical data. While other intellectual capacities might be employed, number aptitude is paramount in her role.
Explanation:In the context of Lorna Perry's work at a financial firm in Michigan, where she regularly calculates clients' accounts and needs to check the accuracy of large amounts of numerical data swiftly, she is most likely utilizing her number aptitude. This dimension of intellectual ability relates to the effective computation of numbers and the speedy, precise processing of numerical information. It is a vital skill in many business and financial roles, where arithmetic calculations and numerical accuracy are important. Visual perception, extent flexibility, deductive reasoning, and perpetual speed might also be involved in her tasks, however, when she primarily has to compute and verify figures, number aptitude is the most significant intellectual ability she likely uses.
Learn more about Number Aptitude here:https://brainly.com/question/10904874
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The sympathetic and parasympathetic divisions of the ANS:_______ A. Never innervate the same organ. B. May work together, each controlling a stage of a complex process. C. Cannot work independently. D. Always have opposing effects.
Answer:
B. May work together, each controlling a stage of a complex process.
Explanation:
The sympathetic and parasympathetic divisions of the ANS: May work together, each controlling a stage of a complex process.
Since the end of World War II, the trend in the corporate tax rate has been __________ relative to shifts in the entire economy.
Answer:
downward
Explanation:
Just after World War II ended, the corporate tax rate was lowered to 38%a little to encourage economic growth.
Then around the 1950s it started to increase as the American economy flourished (corporate tax rate during 1951 was 50%). The American economy's growth rate was extremely high during the 1950s and 1960s, and the corporate tax rate continued to increase until it reached a maximum of 52.8% in 1969.
Then the 1970s came around and recession with them, and the corporate tax rate started to lower to 48%.
During the early 1980s, the economy was still in a very bad shape and the corporate tax rate fell from 46% fro 1980 to 34% for 1990. During the middle years of the Reagan presidency the economy rebounded, but it again fell into recession when president Bush took over.
The 1990s again saw a surge of the American economy, during president Clinton's double term American economy grew a lot, and the corporate tax rate increased by 1%.
Then again another president Bush came and the economy sank again, and the Great Recession happened. The corporate tax rate remained unchanged.
Then came president Obama and the economy rebounded and started growing again, and luckily the growth hasn't stopped yet. President Trump decided to lower the corporate tax rate to 21% starting 2018.
How does the role of the department of labor (DOL) in the economy differ from that of the securities and exchange commission(SEC)?
A) The DOL oversees trade issues while the SEC is the nation's central bank
B) The DOL protects workers while the SEC oversees the stock market.
C) The DOL promotes economic growth while the SEC regulates that growth
D) The DOL addresses labor issues around the world while the SEC protects workers in the united states.
Answer:
B) The DOL protects workers while the SEC oversees the stock market.
Explanation:
The department of labor primary responsibilities is catering to the welfare of retirees, job seekers, and workers. The DOL promotes the well-being of employees by advocating for better working conditions and protecting their health care and retirement benefits. Department of Labor seeks to have employees profit from their time in employment. It administers several laws that concern workers, such as the occupation, health and safety, and the minimum wages.
The Securities and Exchange Commission (SEC) is a federal agency body that regulates the securities industry. The SEC proposes the rules in the securities exchange and options markets. The body promotes and demands integrity and fair practices from all players in the securities exchange industry.
The current logistics management approach is supported by which performance measurement concepts?a. metrics.b. total cost.c. least total cost.d. the D1 concept developed by the Supply Chain Council
Answer:
c. least total cost.
Explanation:
Logistics management signifies a supply chain management element that is practiced to satisfy client requirements throughout the planning, command, and implementation concerning the efficient movement including storage of relevant information, assets, and assistance from start to end. The current logistics management access is supported through the least total cost performance measurement ideas, so here the option C that is the least total cost is a reliable option among all of the options presented.
The current logistics management approach is supported by the performance measurement concept of: a. metrics.
Metrics in logistics management refer to the various measurements and indicators used to assess and evaluate the performance of the logistics and supply chain processes.
These metrics can include key performance indicators (KPIs) that help organizations track and improve aspects such as efficiency, cost-effectiveness, and overall effectiveness in managing the flow of goods and services.
New investment is usually put into an economy when profit expectations are __________.
a- both b and c.
b- high
c- low
d- none of the above
Answer:
Thr correct answer is b. high.
Explanation:
New investment is usually put into an economy when profit expectations are high.
The rate of economic growth (means profit opportunity) affects the level of investment. Business investment tends to be quite volatile. If businesses see an improvement in economic forecasts, they will increase investment to meet future demand. Therefore, an improvement in the rate of economic growth can cause a substantial rise in investment. But, if there is an economic downturn and a fall in the rate of economic growth, business will cut back on investment.
However, in addition, to the profit expectations, the level of investment also depends on the rate of interest, business confidence, technological progress and, government regulations and policies .
The prime interest rate is offered by banks to customers with the largest accounts and with very high credit ratings.
A) True
B) False
Answer:
A) True
Explanation:
The prime interest rate is that rate which interprets the creditworthiness of the customer that means which have the highest credit rating, the bank or financial institution gives the prime rate to the customers who maintain the largest accounts with the bank or financial institution.
The prime interest rate depends on loans like a business, personal loans, etc
What form notifies the borrower of the total amount of interest and property taxes paid in the previous year?
A. 1098B. 1099C. 1199D. 1198
Answer:
A) 1098
Explanation:
Form 1098 - Mortgage Interest Statement is used to report paid mortgage interest of $600 or more during the tax year. Taxpayers can deduct the interests included in Form 1098 from their taxable income. Only sole proprietors and individual taxpayers must file Form 1098.
By diversifying, the risk of holding stock
a. can be reduced but not eliminated. On average over the past two centuries stocks paid a lower average real return than bonds.
b. can be eliminated. On average over the past two centuries stocks paid a higher average real return than bonds.
c. can be reduced but not eliminated. On average over the past two centuries stocks paid a higher average real return than bond econ
Answer: Option C
Explanation: In simple words, diversification refers to the process in which the holder of a portfolio purchases and includes different types of securities with no or negative correlation between them. By doing so, the risk of the portfolio can be reduced but cannot be eliminated as the systematic risk due to the market inefficiencies cannot be eliminated.
It is evident that over the past two years stocks paid higher returns than bond due to the fact that globalization has increased the market for the companies leading to hoover share which further results in higher return for stock holders in comparison to bond holders who have a fixed return.
The production budget is the first component of the operating budget. true or false
Answer:
false
Explanation:
The first component of an operational budget is the Income statement. The income statement shows all the earnings of the business.
Each bank must report its legal reserves as well as its deposit liabilities (depositors’ funds) to the __________________ in order to show compliance with the required reserves policy ..
Answer: Federal Reserve
Explanation: The Federal Reserve is USA's central banking system. The Federal Reserve is responsible for issuing money to banks in the US, and setting the policy on monetary affairs in America. In essence every bank operates under the Federal Reserve and because of this, must report their financial status, which includes their legal reserves and deposit liabilities to the Federal Reserve. This ensures that the banks comply with the reserves policy.
Answer:
The Federal Reserve
Explanation:
Also known as the Fed represents United State's Central Bank. Like every other Central Bank around the world, it is responsible for ensuring the stability, safety and flexibility of the United State's monetary system.
Basically, there are four functions of the Federal Reserve:
1. Monitoring national monetary policies to ensure the stability of the financial system
2. Supervision of banks and protection of the right of citizens
3. Ensuring the stability of the financial market by containing any risk that may occur
4. Providing specific monetary or financial services to the government of the United States.
The need for banks to report their legal reserves and depositors' funds to the Federal Reserve is apparently a part of the supervisioning responsibility of the Federal Reserve.
A house is sold on June 15.The annual taxes in the amount of $850 for the year have not been paid. What does the seller owe the buyer at closing?
Answer:
The seller owe the buyer amounts to $384.25 at the closing
Explanation:
The amount to which the seller owe to the buyer at the closing is computed as:
= Number of days × Amount of taxes per day
= 165 × $2.3288
= $384.25
Working Note:
Number of days = January 1 - June 15
= 165 days
Amount of taxes per day = Annual taxes / Number of days in the year
= $850 / 365
= $2.3288 per day
(Jan. 1 - June 14 = 165 days. $850 / 365 = $2.3288 per day tax liability.165 days x $2.3288 = $384.25)
A ______________________ is created each time the federal government spends more than it collects in taxes in a given year.
Answer:
Budget deficit / Fiscal deficit
Explanation:
At the start of the year, every government prepares a budget e.g. all sources of revenue (direct taxes, indirect taxes, aids etc) and projected expenses are also mentioned (development of society, defense etc.).
When a government spends more than its revenue from taxes so it means that government is running a budget deficit or a fiscal deficit which are covered through fiscal measures by government e.g. increasing taxes or reducing public spending.
Explain what a debit memorandum is by completing the following sentence.When a buyer returns or takes an allowance on merchandise, the __________ issues a debit memorandum to inform the __________ of a debit made to the seller's account inthe buyer's records
When a buyer returns or takes an allowance on merchandise, the Buyer issues a debit memorandum to inform the Seller of a debit made to the seller's account in the buyer's records
Explanation:
A debit memorandum is an information recording adjustment for three particular cases: reducing the account balance of a bank customer, under filling goods or services or a small credit balance internally offset to a customer account.
A debit receipt is provided to an account holder in financial institutions stating that now the balance of the account was reduced due to a cause apart from cash withdrawal or cash search. Because of bank fees or bundled check expenses, debit memos may arise. Usually, the memos and their monthly bank statements are forwarded to bank clients.
The city council of Lake Jefferson wants to establish a small botanical garden in the city park. The council decided to put aside funds in the amount of $22,000 to build and establish the botanical garden. At the end of the fiscal year, $3,000 of the funds had been spent. How should the remainder of the funds be reported?
Answer:
These are the options for the question:
A) Committed Fund Balance
B) Assigned Fund Balance
C) Restricted Fund Balance
D) Nonspendable Fund Balance
And the correct answer is:
B) Assigned Fund Balance
Explanation:
Assigned Fund Balance is the cateogry of the government fund that is intended to be used in something specific, as determined by the respective legislative or executive authority.
In this case, the city council has already assigned a total of $22,000 for the construction of the botanical garden, and after $3,000 have been spent, it needs to keep the remaining $19,000 in the Assigned Fund Balance category.
A landowner conveyed his land to his wife, son, and daughter "as joint tenants with right of survivorship." The daughter then conveyed her interest to a friend. The wife subsequently executed a will devising her interest to the daughter. Then the son mortgaged his interest to a lender, who promptly and properly recorded the mortgage. The wife died, then the daughter's friend died, leaving a will that bequeathed her entire estate to the daughter. The daughter and the son survived. If the jurisdiction follows the title theory, who owns what interest in the land?
Answer:
The daughter and the son, unless the son does not pay his debt, which result in the lender owning interest to the land.
In this case the land was owned by three tenants, and the actions of one tenant may affect only their interest on the land, not the interest of the other tenants. Therefore the brother is still owner of the land unless he doesn't pay and the lender takes possession of joint tenancy of the land with the sister (or daughter to the deceased parents).
When the daughter conveyed her interest to a friend she only severed her own interest in the land, not the other tenants'. Since the friend and the wife stated in their will that the daughter was to inherit their share in the land, when they died the daughter regained ownership of the land (at least 2/3 ownership of the land).
At the end, the daughter will own 2/3 of the land and the son (or lender if he doesn't pay) will own the other 1/3 of the land.
Madson Company typically sells subscriptions on an annual basis, and publishes six times a year. The magazine sells 60,000 subscriptions in January at $10 each. What entry is made in January to record the sale of the subscriptions?a.Prepaid Subscriptions................600,000..................Cash...................................600,000b.Subscriptions Receivable..........600,000................Subscription Revenue.............600,000c.Cash...........................600,000............Unearned Subscription Revenue.....600,000d.Subscriptions Receivable.............100,000.............Unearned Subscription Revenue....100,000
Answer:
C) Cash...........................600,000............Unearned Subscription Revenue.....600,000
Explanation:
January 31: 60,000 subscriptions sold
Dr Cash account 600,000 Cr Unearned Subscription Revenue account 600,000Since cash is an asset account and it increases, then it should be debited.
Unearned revenue is a liability account, since the company received money in advance for future publications. When liabilities increase, they should be credited.
When market price of a security has reached an equilibrium, transaction cost will be?
Answer:
The correct answer is (A)
Explanation:
Equilibrium in a security market shows that buyers and sellers have identified a price at which they can sell and purchase securities. This means that the gap between the bid price and ask price is small. Active trading takes place in a state where a security market reaches equilibrium, in this situation the commission or transaction cost tends to be lower.
Final answer:
At market price equilibrium, transaction costs will typically be at their lowest because all gains from trade have been exhausted and there is no incentive for market participants to change their behavior.
Explanation:
When the market price of a security has reached an equilibrium, the transaction cost will typically be at its lowest. This is because at equilibrium, the quantity demanded equals the quantity supplied, and no participant in the market has an incentive to change their behavior, making the market transactions efficient. In this state, all the gains from trade have been exhausted, and the price most accurately reflects the true discounted present value of the asset being traded. Buyer and seller interactions at this price will not create pressures for the price to change, thus the transaction cost, which includes the cost of finding a trading partner and negotiating a deal, is minimized.
Isaac is looking for a physical access solution for his company. He needs the solution to use asymmetric cryptography or public-key cryptography to authorize users. What type of solution is he seeking?
Issac is seeking challenge response token type of solution.
Explanation:
Difficulty-response encryption is in computer security a group of protocols where one party raises a request ("Challenge") and then another group must send a valid answer ("Response"). User verification, the most basic example of a request-response protocol, is the task for the right user.
Authentication of the Challenge response requires a cryptographic protocol to indicate that the recipient does not know the password by themselves. The result is then computed with the use of a cryptographic hash function in conjunction with the password of the recipient.
Kelly and Jordan are writing a term paper together on the concept of "faithful representation" in the financial statements. Kelly is assigned the task of defining it in the context of an amount being an estimate. Which of the following statements should NOT be used by Kelly in her description?
A. Good faith attempt to gather evidence to support the amount
B. Clear disclosure of an amount as an estimate
C. The nature and limitations of the estimating process
D. Error free procedures in selecting and applying an appropriate process for developing the estimate
Answer:
A.
Explanation:
Since it is in context of an amount being an estimate, there is no need to gather evidence to support the amount.
Final answer:
Kelly should exclude the notion that processes for creating financial estimates can be error free, as faithful representation in financial statements requires acknowledging the inherent uncertainty in estimates.
Explanation:
Kelly should not use statement D, which suggests that the procedures for selecting and applying an appropriate process for developing an estimate are error free. The concept of faithful representation in financial statements recognizes the necessity of estimates, which can never be completely error free since they are inherently subject to judgment and uncertainty.
The focus should instead be on accuracy and the reliability of the information. Good faith efforts in gathering evidence (A), clear disclosure that a number is an estimate (B), and an understanding of the nature and limitations of the estimating process (C) are essential components of creating a faithful representation of financial estimates. This ensures that even though an exact sense of accuracy cannot be guaranteed, the representation can still be considered true.
In presidential elections, voters often find that they do not agree with any single candidate in all issues that matter to them this is known as
a. rent seekingbehaviorb. lack of accountabilityc. principal agent problemd. limited and bundled choice problem
In presidential elections, voters often find that they do not agree with any single candidate in all issues that matter to them this is known as limited and bundled choice problem.
Option d
Explanation:
In presidential elections, the voter has to select the candidate who is going to have the power of selecting the public services and goods that has to be financed by the tax money given by the voters.
The limited and bundled choice issue reduces the economic efficiency as a politician selects the programs with either positive or negative net benefits. The choices are bundled in that the limited set of candidates would govern over a multiple issues, and the preferences of the voters may not be perfectly aligned with any candidate.
According to the Investment Company Act of 1940, the definition of "investment company" could include which of the following
[A] broker/dealers who have investment discretion over more than 100 accounts
[B] A company whose business is to invest and reinvest in securities.
[C] Pooled investments in precious metals
[D] Insurance company general accounts funding fixed insurance and annuity contracts.
Answer:
Option (B) is the right answer.
Explanation:
According to the investment company Act of 1940, the investment companies are those companies whose main business is to gathers investment capital to invest them in marketable securities.
Hence According to the scenario, the most appropriate answer is option (B).
While the other option is incorrect because of the following reason:
Brokers/dealers can not be considered as an investment company because they are not the company. Pooled investments in metals are not an investment company but considered as the commodity pool. Insurance companies are also not investment companies.suppose american winemakers convince the federal government to issue a directive to serve only domestically produced wine at governement functions. This would be an example of.
a) principle agent problem
b) rent seeking behavior
c) moral hazard
d) logrolling
Answer:
B) rent seeking behavior
Explanation:
Rent seeking behavior refers to actions carried out by businesses that try to seek benefits through government policies. In other words, the businesses will try to make the government give them some type of special treatment or special benefit at the expense of the general population.
In this case, the American winemakers were able to convince government officials to only serve domestic wine at government events. The problem is that the general population (taxpayers) are the ones that pay for that wine. American winemakers will benefit at the expense of the taxpayers.
When Simple Semiconductors was operating at the minimum efficient scale of 10,000-12,000 units per month, the firm's cost per unit was $45. However, when the output level was increased beyond 12,000 units, the cost per unit increased to $47. This increase was attributed to the wear-and-tear of the machinery, and complexities of managing and coordinating. What is this phenomenon known as?A) Minimum efficient scaleB) Diseconomies of scaleC) Experience curve effectD) Learning-curve effect
Answer:
Option A
Explanation:
It is the lowest point on the cost curve where company produces at competitive price while producing at maximum output.
Which of the following is a way to recognize potentially disruptive innovations?
A. Pay attention to slow-expensive advancements in technology.
B. Seeking the opinions of venture capitalists, research academics, and passionate internal engineering staff.
C. Become more consumer-focused. Indulge in bottom-line obsession.
D. Increase conversation within same product groups.
Answer:
B. Seeking the opinions of venture capitalists, research academics, and passionate internal engineering staff.
Explanation:
Seeking the opinions of venture capitalists, research academics, and passionate internal engineering staff is a way to recognize potentially disruptive innovations.
B. Seeking the opinions of venture capitalists, research academics, and passionate internal engineering staff.
Recognizing potentially disruptive innovations involves identifying unique, transformative ideas that could alter the market landscape. One effective approach is to consult with venture capitalists, who often have insights into emerging technologies and market trends.
Additionally, research academics provide valuable theoretical knowledge and empirical data on technological advancements, while passionate internal engineering staff can offer practical perspectives on the feasibility and implementation of these innovations.
By combining these diverse viewpoints, businesses can better identify innovations that might seem unimportant initially but could eventually transform industries. This collaborative evaluation process helps in spotting technologies that have the potential to disrupt existing markets effectively.
Ignoring the conventional approach of focusing solely on current consumer needs or internal product discussions enables companies to foresee future trends and invest in groundbreaking innovations earlier, ensuring competitiveness in a rapidly evolving market.
Between _________, it is estimated that Spanish America produced 150,000 tons of silver (including gold converted into silver weight), corresponding roughly to 85% of the world production and underlying the extraordinary role of American silver in the money economies of Spain, Europe, the Middle East and Asia, especially China.
Answer:
1550 - 1750
Explanation:
The primary mining centers in colonial Spanish America were Potosi in southern Bolivia, and Zacatecas and Guanajuato in northern Mexico. Measured in current dollars, silver worth tens billions of dollars was extracted and shipped to Europe during colonial times, but currently those places are extremely poor.
Blazer Company sells merchandise with a one-year warranty. In Year 1, sales consisted of 2,800 units. It is estimated that warranty repairs will average $10 per unit sold, and 30% of the repairs will be made in Year 1 and 70% in Year 2. In the income statement for Year 1, Blazer Company should show warranty expense ofa. $19,600.b. $28,000.c. $8,400.d. $0.
Answer:
= $ 28,000.00
Explanation:
Warranty expenses are accounted for in the period in which they are incurred. This is in accordance with the accounting reporting standards.
For Blazer company: Year 1 sales 2800 units
Warranty per unit: $ 10 per unit
expected warranty cost: = 2800x $10
= $ 28,000.00
As part of her company's SWOT analysis, Valerie is assessing the company's internal environment, including
a. competition.
b. the economy.
c. strengths and weaknesses.
d. demographics.
e. opportunities and threats.
Answer: Strengths and weaknesses
Explanation:
Valerie's SWOT analysis of her company, in it's internal environment would make her consider the strength and weakness of her company.
SWOT analysis is a form self assessment where individuals/organizations check for their internal strengths and weaknesses and also for external opportunities and threats.
"Securitization" is used to pool contractual debt together and resell this debt in the form of securities to investors. Which of the following debt can be "securitized"?
I. Residential Mortgages
II. Commercial Mortgages
III. Student Loans
IV. FHA Mortgages
Answer:
the correct answer is ALL OF THEM
Explanation:
Most forms of contractual debt can be securitized. This includes all of the choices listed here, as well as auto loans, personal loans, credit card debt, etc. CMOs are one of the most common "securitizations" that exist
GOOD LUCK
Securitization can apply to a range of debts, including residential and commercial mortgages, student loans, and FHA mortgages. It allows banks to sell loans as securities to investors, providing advantages like risk diversification and balance sheet improvements, although it can also lead to credit assessment issues.
Securitization is a financial technique that pools various types of contractual debts such as residential mortgages, commercial mortgages, student loans, and FHA mortgages and sells consolidated debt as securities to investors. The debt that can be securitized includes:
I. Residential Mortgages
II. Commercial Mortgages
III. Student Loans
IV. FHA Mortgages
This process has been made easier and more cost-effective due to technological improvements, especially the use of computers. These securitized loans offer diversification against default risk and are attractive to institutional investors seeking large, round sums. Through securitization, banks can specialize in originating loans and improve their balance sheets by selling off loans, which in turn enables them to fund new loans. Investors are drawn to these securities for their assumed steady stream of income. However, the reliance on credit rating agencies during the rise of mortgage-backed securities sometimes led to overly lenient credit assessments, presenting significant risk exposure.