Your buyer clients have plenty for a down payment and closing costs, and they'd like a lower interest rate than the going rate. How can they use some of their saved funds to get a better interest rate?

Answers

Answer 1

The can use some of their saved funds to get a better interest rate by: Buying down the interest rate.


What is buydown?

Buydown can be defined as the way in the a borrower pay a discount or a fees so as to receive an interest rate that is lesser or lower when they want to repay the amount borrowed.

Buydown is important as it gives borrower the opportunity to payback the amount lend to them at a lower interest rate.

Therefore the can use some of their saved funds to get a better interest rate by: Buying down the interest rate.

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Related Questions

If the money multiplier is 3 and the Fed wants to increase the money supply by $900,000, it could Group of answer choices

Answers

Fed buy $300,000 worth of bonds, if the money multiplier is 3 and want to increase the money supply by $900,000. As the formula of the money multiplier is change in total money supply upon change in total monetary base.

What is money multiplier?

The multiplier effect is a term used in economics to describe the proportional increase or decrease in final revenue that occurs as a result of a capital injection or withdrawal.

In effect, it calculates the influence of a change in economic activity, such as investment or spending, on a company's total economic output.

Thus, Fed buys $300,000 worth of bonds.

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A 10-year, 8% bond pays semi-annual coupon payments. If the face value is $1,000 but the bond sells for $940, what is the annualized yield on the bond?.

Answers

The annualized yield on the bond that pays a semi-annual coupon, given its face value and the selling price is 4.46%.

What is the annualized yield on the bond?

The yield of a bond is the return that equates the cost o the bond to its coupon payments and face value.

The yield of a bond can be determined using a financial calculator:

Cash flow in year 0 = -940 Cash flow each year from year 1 to 20 = 40Cash flow in year 20 = 1000

Yield = 4.46%

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True or false: Special consolidation warehouses are used when shipments from various sources are pulled together and combined into larger shipments with a common destination or into smaller shipments to deliver locally.

Answers

Answer:true

Explanation:

Attracting and retaining employees with the skills, abilities, and experience to help an organization achieve its goals is a key component of a _____ management system.

Answers

Attracting and retaining employees with the skills, abilities, and experience  is a key component of a human resource management system.

What is human resource management system?

Human resource management system  has to do with carrying out specific function such as effectively managing everything that has to do with human resource.

Human resource management system is important for companies as it enables them to choose employees  that has the best skills and experience to move the company forward so as to enable the company  achieve their goals.

Therefore attracting and retaining employees  is a key component of a human resource management system.

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Which of the following types of work do human services workers conduct?

A. They deliver services to people who need them.
B. They observe and analyze computer informational technology systems.
C. They conduct research for disease prevention.
D. They study the travel habits and patterns of tourists.

Answers

The type of work that human services workers conduct is A. They deliver services to people who need them.

What is human services?

It should be noted that human services refers to the services that are given to people such as teaching, barbing, etc.

In this case, the type of work that human services workers conduct is that they deliver services to people who need them.

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How would you set up Economic questions when it involves talking about insurance & percentages.

Answers

Answer:

Simple, cool pfp btw. A story, first before the question. A short story like going into an accident or how expensive things are, or both.

Explanation:

You see, there is nothing I like more than a little story, short and sweet. If you can hook the readers into the story you can ask the question and get them thinking with the story you made. A clever trick I taught myself.

A customer executes the following transactions during the same year: May 1st: Aug. 1st: Aug. 20th: Buy 100 XYZ at $54 per share Buy 100 XYZ at $40 per share Sell 100 XYZ at $41 per share After the transactions are effected, the customer's cost basis in XYZ stock is:

Answers

The cost basis of the customer in the stock of XYZ is equivalent to the acquisition cost of shares, that is, $5,400, and is not affected by the short-term capital gain or loss.

What is short-term capital gain?

A capital gain is considered to be a shorter-term when the asset holds for a period of less than one year. When the holding period extends by one year, then the same capital gain is treated as a long-term capital gain.

The cost basis of the customer in XYZ's stock is $5,400 which is determined by taking the product of 100 shares at a price of $54 per share. It will not be affected by the short-term capital loss of $1,300, which is computed as the difference between sales cost of $4,100 and purchase cost of $5,400 respectively. As a result, the cost basis should be the same as the cost of purchasing the shares.

Therefore, the customer's cost basis is $5,400 in the stock of XYZ company.

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True or False: It is possible for a team to start with the DMAIC or DMADV approach and realize that they need to switch to the other process mid-project quiz

Answers

DMAIC and DMADV methods share features that are important, but they are not interchangeable and are designed for use in different business processes.

What is DMAIC?

The full forms of both the methods are :

DMAIC: Define, Measure, Analyze, Improve, Control

DMADV: Define, Measure, Analyze, Design, Verify

DMAIC and DMADV have many similarities that deserve attention. They both use mathematical and factual tools to find solutions to common quality-related problems and focus on achieving the business and financial goals of the organization.

DMADV is associated with new services and product designs; may not always work with existing products and processes.

DMAIC is applied to an existing product or process but no longer meets customer requirements and / or details.

Hence, It is not possible to switch the methods in the middle of any project as they have serve different purposes.

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Olivia is a partner in Pacific Trade. In the majority of states, with respect to any partnership obligations that Olivia does not participate in, know about, or ratify, she would be liable for

Answers

In the partnership, Olivia does not participate in, know about, or ratify, she would be liable for all of the obligations jointly and severally.

What is partnership?

It should be noted that partnership simply means a business agreement between two or more people to achieve a common goal.

In this case, in the partnership, Olivia does not participate in, know about, or ratify, she would be liable for all of the obligations jointly and severally.

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Information for two alternative projects involving machinery investments follows: Project 1 Project 2 Initial investment $ (123,000) $ (93,000) Salvage value 0 13,000 Annual income 14,145 12,720 a. Compute accounting rate of return for each project. b. Based on accounting rate of return, which project is preferred

Answers

The accounting rate of return for project 1 is 23%.

The accounting rate of return for project 2 is 32%.

Based on accounting rate of return, the preferred project is project 2.

What is the accounting rate of return for each project?

The accounting rate of return is a capital budgeting method used to determine if a firm should invest in a project or should not invest in a project.

Accounting rate of return = Average net income / Average book value

Average book value = (cost of equipment - salvage value) / 2

Accounting rate of return for project 1 = 14,145 / [123,000 / 2] = 0.23 = 23%

Accounting rate of return for project 2 = 12,720 / [(93,000 - 13,000) / 2] = 0.32 = 32%

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Extra Sandwiches, a sandwich chain, experiments with offering a free bag of chips with its sandwiches in the South to try out its marketing strategy before adjusting its operations nationwide. Thus, this sandwich chain is in the ________ stage of the product development process.

Answers

If  a sandwich chain, experiments with offering a free bag of chips with its sandwiches. This sandwich chain is in the test marketing stage.

What is test marketing?

Test marketing stage can be defined as the stage that is use to know how good or how bad a product is based on the response of the consumer that have use or tasted a product or based on the feedback received.

Most companies tend to make use of test marketing  create product awareness or to build brand awareness and to know the reaction of potential customers.

Therefore This sandwich chain is in the test marketing stage.

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Bliss County Zoning Commission pursuant to its written rules and regulations demands that Commercial Development, Inc., the private developer of Discount Stores, allocate space for parking and take other measures to manage traffic. This is

Answers

This is "Administrative law" as Commercial Development, Inc. must comply with the County Zoning Commission's established rules and regulations.

What is administrative law?

Public administrative is taken in the form of legal framework is known as the Administrative law.

It stems from the necessity to establish and build a legalized system of public administration, which can be related to the far older concept of legalized justice.

Thus, the statement is about Administrative law.

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The common stock of Xiang Estates has an expected return of 13.3 percent. The expected return on the market is 10 percent, the inflation rate is 1.4 percent, and the risk-free rate of return is 1.3 percent. What is the beta of this stock?

Answers

The beta of the common stock of Xiang Estates given the expected return, expected market rate of teturn and risk free rate is 1.24.

What is the beta?

Beta is used to measure systemic risk. Systemic risk is the risk that cannot be diversified away. The higher beta is, the higher systemic risk is and the lower beta is, the lower systemic risk is.

Beta = (expected return - risk free rate) / market premium

(13.3 - 1.3) / ( 10 - 1.3) = 1.24

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A decrease in the required reserve ratio will: reduce commercial bank loans and reduce the money supply. increase commercial bank loans and reduce the money supply. increase commercial bank loans and increase the money supply. decrease commercial bank loans and increase the money supply.

Answers

A decrease in the required reserve ratio will will increase commercial bank loans and increase the money supply.

What is reserve ratio?

The reserve ratio is the portion of money that cannot be given out as loan or credits.

When a commercial reaches a threshold called reserve all liabilities cannot be in circulation against until they rise above the threshold.

Therefore, A decrease in the required reserve ratio will increase commercial bank loans and increase the money supply.

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True or False: The overall Six Sigma Process is one that is a constant and everlasting initiative while Six Sigma Projects are finite in scope with a definite beginning, middle, and end goal. Select one: a. True b. False

Answers

Six Sigma is a quality management system. Six Sigma is a continuous improvement strategy that focuses on decreasing variability and enhancing predictability in businesses.

It is perhaps the most well-known variation of Lean in business.

Thus the statement is True.

What exactly is six sigma?

Six Sigma is a framework that gives companies the tools they need to optimize their processes.

This increase in productivity and decrease in procedure variability helps to reduce faults while also increasing earnings, employee morale, and product or service quality.

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A common law doctrine under which either party may terminate an employment relationship at any time for any reason, unless a contract specifies otherwise is:

Answers

Employment at will is a common law notion under which either party can end an employment arrangement at any moment for any reason, unless a contract says otherwise.

What is contract?

A contract is defined as the legally valid agreement that constitutes, defines, and regulates the parties' mutual rights and responsibilities.

A contract commonly entails the transferral of products, services, or money, or the commitment to do so at a later period.

If the employment at will is not specifically mentioned in the contract, and the contract is not represented any content about that, the employment at will states that nay employee may leave the organization any time for any reason.

Therefore, the employment at will comes into consideration when there is contract to the contrary.

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XYZ Co. is currently using 85% of a facility, costing $520,000 per year; A start-up business has proposed to utilize the other 15% and increase the overall costs by 12%. Under stand-alone method, how much would be allocated to the start-up

Answers

Under stand-alone method,  the amount that  would be allocated to the start-up is $87,360.

Amount allocated

Usingn this formula

Amount allocated =Costing per year × (1+ Increase in overall cost percentage)× Utilized percentage

Where:

Costing per year=$520,000

Increase in overall cost percentage=12%

Utilized percentage=15%

Let plug in the formula

Amount allocated= $520,000 x (1+.12) x 0.15  

Amount allocated= $520,000 x 1.12 x 0.15  

Amount allocated = $87,360

Therefore  the amount that  would be allocated to the start-up is $87,360.

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Devin is taking inventory of office supplies so he knows what he should order. He discovers he has 3 ink cartridges and 6 boxes of paper, but he needs to have 10 ink cartridges and 25 boxes of paper in stock. How many of each does he need to order

Answers

Devin needs to order 7 ink cartridges and 19 boxes of paper to meet his expected stock needs for 10 ink cartridges and 25 boxes of paper.

What is the expected level of stock?

The expected stock level refers to the number of items required to be in stock at any time.

Since Devin needs 10 ink cartridges and 25 boxes of paper in stock, but currently has 3 ink cartridges and 6 boxes of paper, the ordering level should be for additional 7 ink cartridges (10 - 3) and 19 boxes of paper (25 - 6).

Thus, Devin needs to order 7 ink cartridges and 19 boxes of paper to meet his expected stock needs for 10 ink cartridges and 25 boxes of paper.

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true or false Premium on Bonds Payable is an adjunct asset account with a normal debit balance.

Answers

The statement is false in Premium on Bonds Payable is an adjunct asset account with a normal debit balance because the Bonds is not payable with normal debit balance.

What is normal debit balance?

The debit balance is the amount of money that must be in the customer's account after a security purchase order is executed in order for the transaction to be properly settled.

Thus, the statement is false

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Kitchen Stories is all about baking and healthy cooking. It is a new cooking app that offers a world of recipes. With easy-to-follow photo-instructed guidelines, one can watch endless recipe options and receive cooking tips. Kitchen Stories uses pioneer advertising because _______.

Answers

Kitchen Stories uses pioneer advertising because: it offers consumers in-depth information about the benefits of the product class.

What is pioneer advertising?

Pioneer advertising can be defined as the way of creating awareness  about a new product.

Pioneer advertising provide detailed information that a person need to know about a product as it help to educate customers  about what a product entails.

Thefrefore  it offers consumers in-depth information about the benefits of the product class.

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An assessor explains to you that the market value of your property was converted to the assessed value using what's called an assessment ratio. The assessment ratio can also be considered what

Answers

The assessment ratio, which is used to convert the value of property to the assessed value, can also be considered Equalization Rate.

What is the equalization rate?

The equalization rate is the ratio of the total assessed value (AV) to a municipality's total market value (MV).

The equalization rate is a measurement of a municipality's level of assessment (LOA) by the state.

This implies that the municipality determines the AV while the state determines the MV.

Thus, the assessment ratio, which is used to convert the value of property to the assessed value, can also be considered Equalization Rate.

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Going public: Group of answer choices ensures that the company gains control in decision making. enhances the company's ability to obtain future funds. is often viewed negatively by risk-averse venture capitalists. increases flexibility for the company.

Answers

When a company goes public, it enhances the company's ability to obtain future funds.

What does going public allow?

When a company goes public, it would become subject to certain restrictive laws that were made to protect investors.

As a result of these laws, investors and creditors will trust the company more which would allow the company to access more funds in future.

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Why should you complete the Free Application for Federal Student Aid (FAFSA)?


A: To eliminate a semester of college requirements


B: To find the lowest interest rates on student loans


C: To get information on the schools you are interested in


D:To identify what grant programs you qualify for

Answers

Answer:

D

Explanation:

FASFA get that money baby.

You should complete the Free Application for Federal Student Aid to identify what grant programs you qualify for. The appropriate response is option D.

What is Free Application for Federal Student Aid ?

The procedure for applying for financial aid begins with the Free Application for Federal Student Aid (FAFSA). Fill out the online form. You use it to submit applications for federal student aid, including grants, loans, and work-study programs. Additionally, the majority of states and universities give non-federal aid using data from the FAFSA.

A student must have economic need, be enrolled in a diploma or certificate program at a college or university, be a U.S. citizen, or be an eligible noncitizen to be eligible for the FAFSA.

Additional conditions for federal eligibility include having a valid Social Security number, continuing to perform satisfactorily in school, and earning a high school diploma, among others.

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Match each entity on the left to the correct establishment on the right.

Answers

The group or organization matchup is given below;

Non-state actor - terrorist.International Organization -World Trade Organization, United Nations.Nation-state - Canada.

What is a Nation state?

The term nation-state is known to be a any country that is territorially held together as a sovereign state.

Note that in this kind of country, it is one that is governed in the name of a community of its own people who identify or see themselves as a nation.

See full question below

Match the group or organization on the left with its correct category on the right.

non-state actor:

terrorist

International Organization:

World Trade Organization,

United Nations

nation-state: Canada

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Examples of organizational ____ assets include policies and procedures, guidelines, information systems, financial systems, management systems, lessons learned, and historical information.

Answers

Examples of organizational process assets include policies and procedures, guidelines, information systems, financial systems, management systems, lessons learned, and historical information.

If marginal cost is rising, a. average fixed cost must be rising. b. marginal product must be falling. c. marginal product must be rising. d. average variable cost must be falling.

Answers

In a business, when the marginal cost is rising, it is most likely that b. marginal product must be falling.

What happens when marginal cost rises?

The marginal cost refers to the cost of producing an additional unit of a product.

When this cost begins to rise, it means that there are too many units involved in the production of goods with limited technology. This leads to marginal product falling even though total product is rising.

In conclusion, option B is correct.

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Accounting is the system of analyzing, classifying, recording, summarizing, and interpreting a business' __________. financial transactions financial transactions financial markets financial markets full-time employees full-time employees sellable inventory

Answers

Accounting is the system of analyzing, classifying, recording, summarizing, and interpreting a business' financial transactions.

What is financial transaction?

A financial transaction include details or business traction's between a buyer and a seller

It include communication, goods and services purchase or bought.

Therefore, Accounting is the system of analyzing, classifying, recording, summarizing, and interpreting a business' financial transactions.

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Which of the following items are elements of a monthly checking account statement? i. a period (beginning date and ending date) ii. a beginning balance and ending balance. iii. a detailed list of debits and credits during the period. a. i and ii b. i and iii c. ii and iii d. i, ii and iii

Answers

The major elements of a monthly checking account statement are period, account balance and debits and credit during the period.

What do you mean by checking account?

A checking account refers to the type of bank account that provides a flexibility of depositing money as well as withdrawls for the daily business transactions.

A bank statement refers to a type of document that is sent by the bank to its holder providing summary of all the transactions of an account for a month including a period, beginning and ending balance and detailed list of debits and credits.

Therefore, D is the correct option.

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Answer:

The answer is D

Explanation:

edge 2022

Under the Securities Acts of 1975, the Municipal Securities Rulemaking Board was created and empowered to regulate the: I disclosure of new information by municipal issuers II recordkeeping and settlement procedures of municipal broker-dealers III profit levels achieved by municipal broker-dealers

Answers

I have no idea dude, good luck

Before starting the training program you assess your crew leaders to identify their current leadership style. Most of them are found to focus strongly on production but very little on the employees. According to the leadership grid, what leadership style is this

Answers

Answer:leaderleadership inpire

Explanation:leadership inspire others to achieve the goal

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