A seller in connection with a real estate closing is itemized in the Closing Disclosure.
What is TRID?The Consumer Financial Protection Bureau (CFPB) has implemented a set of regulations called TRID in an effort to close some of the gaps that dishonest lenders have previously used to deceive customers. The mortgage information that lenders must offer to borrowers and when they must do so are governed by TRID regulations. TRID regulations also set limits on the fees that lenders may impose and how those costs may alter as a mortgage matures.
The program's goal is to assist borrowers in selecting a mortgage lender who will act in their best interests by helping them comprehend their available mortgage options. When they give you a mortgage or give you an estimate, all mortgage lenders must as of 2015 abide by TRID regulations.
Because they cover material that customers should read and comprehend before making an offer on a home and agreeing to monthly loan payments, TRID guidelines are also frequently referred to as "Know Before You Owe" laws.
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Which industry is the second-largest employer of teens
and young people?
What percentage of employed teens are employed by
the government?
I got it
is retail trade
and 7%
Answer:
I. Retail industry
ii. 7%
Explanation:
Retail industry is the second largest employers of teen and young people next to health sector which is the largest employer.
Retailing involves buying goods either from the producers or wholesaler and selling them to the final consumers. Some services are also offered in these retailing such as call center representative, those who work in innovation lab. etc
In the United States, about 7% of teens and young people are in the employment of government , while retail industry is the largest employer of teen and young people because it provides flexibility and also do not involve much academic qualifications.
Example of these retail jobs are those who work in call center, sales representatives and those who works in stores.
Answer:
Retail Trade
7%
Explanation:
Edge 2020
What is something that will not help you get a higher credit limit?
A: Paying off the balance of the credit card each month
B: Asking the banking company for a higher limit on your credit card
C: Maxing out the credit card and only making the minimum payment each month
D: Making more money at your job (More personal income)
Maxing out the credit card and only making the minimum payment each month is something that will not help you get a higher credit limit. A credit limit is the most money you are permitted to spend on a credit card or line of credit by a lender.
If a credit card company grants you a credit limit of $2,500, that is the most you may ever have charged to the card payment . If you charge $1,900 to your card, you will have $600 left over that you can use without paying a fee or being restricted from using the card limit further.
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the prinicial of provides information to the entrepuneur about how time is currently being allocated, which will also highloght ineffecitnt or inapproiate investemtnof tiem
The principal informs the entrepreneur about the current allocation of time, highlighting inefficient or inappropriate time investments.
How does the principal assist the entrepreneur in assessing the allocation of time and identifying inefficiencies?The principal plays a crucial role in providing the entrepreneur with insights into how time is currently being allocated. By analyzing the time investments across various activities and tasks, the principal can help identify areas where time is being spent inefficiently or inappropriately. This information allows the entrepreneur to make informed decisions and reallocate time resources more effectively. By identifying inefficiencies, the entrepreneur can prioritize tasks, streamline operations, and optimize time management strategies, ultimately enhancing productivity and overall business performance.
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The concept time value of money indicates?
The concept of the time value of money indicates that the value of money changes over time due to factors such as interest, inflation, and opportunity cost.
In simple terms, it recognizes that receiving or paying a certain amount of money at different points in time has different worth or significance. This is because money has the potential to earn returns or interest when invested, and inflation erodes the purchasing power of money over time.
The time value of money is a fundamental principle in finance and investment decisions. It is used to evaluate the profitability and attractiveness of investment opportunities, determine the fair value of assets and liabilities, and assess the cost of capital. Time value of money concepts, such as present value, future value, and discounting, enable individuals and businesses to make informed decisions regarding cash flows occurring at different points in time.
By considering the time value of money, individuals and organizations can account for the potential earning power of money over time and make more informed financial decisions.
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Customer retention has always been crucial to success in the business market, and it now provides the centrepiece of strategy discussions as firms embrace customer relationship management. Critically discuss any SIX (6) areas to focus on to develop responsive and profitable customer relationship management strategies for a company.
Here are six areas of focus: 1. Understand the customer's requirements, .2. Develop and implement a customer-focused culture 3 Build trust and rapport with the customer, 4. Personalization, 5. Measure customer satisfaction , 6. Use technology
Understanding the requirements of the customers is essential to develop a responsive and profitable customer relationship management strategy. Companies need to listen to their customers' needs, preferences, and expectations and develop a strategy that aligns with the customers' requirements.
Develop and implement a customer-focused culture A customer-focused culture is vital for developing a successful customer relationship management strategy. The company should develop and implement a customer-focused culture across all the levels of the organization
Build trust and rapport with the customerThe customer is likely to return to the company if they have a strong trust and rapport. Companies need to develop a trusting relationship with their customers. This is possible through regular communication, building relationships, and meeting customer expectations.
Personalization is an essential aspect of customer relationship management. Customers feel valued when companies personalize their services. Personalization can be achieved through targeted marketing, customized services, and personalized experiences.
5. Measure customer satisfaction Companies need to measure customer satisfaction regularly. It helps the company to understand where they need to improve and where they have succeeded. Companies should also consider feedback from their customers and use it to improve their services.
6. Use technology Technology is a significant driver of customer relationship management. Companies need to embrace technology to develop a responsive and profitable customer relationship management strategy.
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What is a sales lead? A. An employee on the customer service team who deals with existing customers B. A sales person who works on a residual commission structure C. An expert in Maslow's hierarchy of needs D. A potential customer who has shown interest in the company's product.
A sales lead is the company's product potential customer who has an interest in the product. Thus, option D is correct.
A sales lead is defined as the prospect with the ability to turn into a customer. The leads expressed their interest in the product by sorting, clicking links, searching the web, etc.
What are the features of sales leads?The sales leads are the consumer with the potential to become customers of the company's product. The leads express their interest in the product and increase the sales.
The market analysis and study of sales lead by the company helps in the formulation of the strategy for the increased market revenue.
Thus, sales leads are the potential customer that shows interest in buying the company's product. Thus, option D is correct.
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Aptitude is the ability to evaluate your strengths and weaknesses (True or False)
Glad I can can Help!!!
Answer: True
Explanation:
Aptitude is the ability to evaluate your strengths and weaknesses. Entrepreneurship involves risk, which is both an advantage and a disadvantage. It is not necessary to determine how much money it will take to start a business because you will be able to borrow the money you need.
If satisfied with my answer please leave a review and give me brainiest :D
Answer:
False.
Aptitude is how well you are able to able to do something and the natural ability to do it
Hopefully this helps!
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All of the following tests are included in the ethical decision-making metric except
Multiple Choice
the admired observer test.
the legality test.
the moral mentor test.
the publicity test.
the transparency test.
The tests are included in the ethical decision-making metric except the publicity test. Thus, option (d) is correct.
What is ethical?
A person who follows moral standards is referred to as “ethical.” The ethical aids us in determining what is good and wrong. An ethical person is one who is honest, true, values, honor, choice, and fairness.
According to the ethical decision-making, was the based on the individual as well as the working place. The ethical decision-making are not to he considers as the publicity test because as the public would view a decision.
As a result, the significance of the ethical are the aforementioned. Therefore, option (d) is correct.
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When an economist points out that you and millions of other people are interdependent, she is referring to the fact that we all.
Based on the provided information, she is referring to the fact that we all rely upon one another for the goods and services we all consume.
Who is an economist?An economist can be regarded as an expert that focuses on international business as well as politics and financial activities of an organization or a nation.
An economist usually point out that we all rely upon one another for the goods and services we all consume and this makes an economy.
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when the restaurant chain pancake heaven launches its own brand of homemade ice cream, it is using a
when the restaurant chain "pancake heaven" launches its own brand of homemade ice cream, it is using a brand extension.
What is a brand extension?In marketing, the term "brand extension" occurs when a company uses one of its established brand names on a new product or new product category which can be sometimes known as brand stretching.
The typical strategy behind a brand extension is to use the company's already established brand equity to launch its newest product, so, the company relies on brand loyalty of its current customers which it hopes will make them more receptive to new offerings from the same brand.
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In this activity, you will demonstrate your understanding of visual merchandising by creating a drawing (on paper or through a computer program) of a visual merchandising display. You may choose any type of product to market, except for clothing and accessories.To begin this activity, research effective visual merchandising strategies. The following links can help you get started:
Next, draw the product itself and illustrate how you plan to display it in a retail store. Here are a few guidelines to follow:
Feature the product itself in such a way that it is clear which product or products are being marketed.
Keep your target market in mind when choosing which visual merchandising techniques to use in your illustration.
Use a minimum of three visual merchandising techniques discussed in the online articles you’ve just read.
Now, write an explanation of your visual merchandising plan and why consumers will find it appealing. Be sure to include the following:
Identify the product you are selling and your target market.
Explain which visual merchandising techniques you’ve used in your drawing. Use at least two techniques.
Defend each visual merchandising strategy you used, and explain how it contributes to the intended effect of getting more consumers to buy more products.
Explain why the visual merchandising techniques you chose are well suited for the particular product you are selling and your target market.
Finally, take a picture of your drawing, and submit it along with your paragraph.
Visual merchandising is known ton be a marketing method or process that is said to make use of elements such as color, lighting etc. to bring customer attention to their business or product.
The product i will use this visual merchandising techniques for is hair growth oil for ladies who are my target market.
The visual merchandising techniques i will use is tell a Story or a customer's testimony about the miracle of using the product and also I will use Product Placement method to attract customers.
Who is a visual merchandiser?The work of a visual merchandiser is to help in product promotion as well as hype retail brands and services in-store/online etc.
The use of visual merchandising methods such as telling the product miracle Story or the use Product Placement method will help one to have a lot of customers.
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Briefly describe the two types of marketing and operations models used by the insurance industry.
Answer:
The two dominant types of life/health marketing systems are the general agency and the managerial (branch office) system. General Agency System A general agent is an independent businessperson rather than an employee of the insurance company and is authorized by contract with the insurer to sell insurance in a specified territory.
Explanation:
Your welcome !
Is Relative value when two absolute values are compared one to another?
Relative value is the opposite of absolute value. while absolute cost examines the cost of an asset or organisation with out evaluating it to any others, relative fee is primarily based on the value of similar assets or businesses.
Relative value is a technique of determining an asset's worth that takes into account the value of similar belongings. that is in contrast with absolute price, which seems most effective at an asset's intrinsic value and does not evaluate it to other assets. Absolute change refers to the easy difference inside the indicator over two intervals in time, i.e. Relative change expresses the absolute exchange as a percentage of the price of the indicator in the earlier length. A relative maximum or minimum happens at turning factors at the curve wherein because the absolute minimal and most are the proper values over the entire area of the function. In different words the absolute minimum and most are bounded by means of the area of the function.
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I am MrBeast and if you can guess what number I am thinking of between 1 and 100 I will give $10,000. Comment or answer.
Answer:
58
ohhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh
it's fake
This is fake!!! It's not even the real MrBeast!!
junk bonds, bonds with a low bond rating, are also known as
Junk bonds, which are bonds with a low credit rating, are also known as high-yield bonds. Junk bonds are considered to be risky investments because they are issued by companies with a high probability of defaulting on their debt. As a result, they offer a higher yield to investors in order to compensate for the increased risk.
Long-term investors may be attracted to junk bonds due to their high yields, but they should also be aware of the risks involved. Long-term investors should conduct thorough research before investing in junk bonds to determine the level of risk they are willing to take on. Junk bonds, bonds with a low bond rating, are also known as high-yield bonds. High-yield bonds, commonly referred to as junk bonds, are bonds that have a lower credit rating and therefore carry a higher risk of default.
Junk bonds or high-yield bonds are typically issued by companies with a lower credit rating. These companies may be financially unstable or have a higher risk of default, which is why they offer higher interest rates to attract investors. The higher yield compensates investors for taking on the increased risk associated with these bonds. Credit rating agencies assign ratings to bonds based on the issuer's creditworthiness, with high-yield bonds usually receiving ratings below investment grade.
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What do you mean by ECONOMIC
Answer:
Economics is a social science concerned with the production, distribution, and consumption of goods and services.
18. Explain the difference between product "feature" and product
"options"
Answer:
Features are added to improve the basic product while options are when you have the choice of a possible bundle to come with the product.
Explanation:
studies have shown that people who are praised for working hard: a. are less successful as entrepreneurs than those who are praised for being highly skilled b. build more confidence to take on challenging work in the future c. are better suited to be an intrapreneur than an entrepreneur d. all of the above
Praising people for their hard work can help them to become more successful entrepreneurs and intrapreneurs.
Praising people for working hard can have many positive effects on their future success. Studies have shown that when people are praised for their hard work, it helps to build their confidence and makes them more willing to take on challenging tasks in the future. This confidence can help them to become more successful as entrepreneurs, as they will be more likely to take risks and have the courage to try new things. Additionally, those who are praised for their hard work may be better suited to being an intrapreneur, as they already have the confidence and work ethic that is necessary for success. In conclusion, praising people for their hard work can help them to become more successful entrepreneurs and intrapreneurs.
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International Governmental Organizations (select all that apply, there are one to four possible correct answers):
Include such organizations as the United Nations and the World Bank
Are formed by countries to achieve common goals that they cannot solve on their own
NOT:
Include celebrities as founding members, so they can raise money and build awareness surrounding global issues
Are not made up of countries, but are rather best understood as civil society organizations
Are generally for-profit organizations, like Nike or Toyota, and have gained increasing power in recent decades
Based on the given options, the correct answers are:
Include such organizations as the United Nations and the World BankAre formed by countries to achieve common goals that they cannot solve on their ownWhy are International Governmental Organizations formedInternational Governmental Organizations (IGOs) like the United Nations and the World Bank are indeed formed by countries to address global issues and achieve common goals that individual nations cannot solve on their own. T
These organizations serve as platforms for international cooperation and decision-making among member countries. They work towards promoting peace, security, development, and addressing various global challenges.
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On March 17th, Rollo's Antiques accepted a credit card for a $1,000 purchase. The credit card company charges a 2% service fee. The entry to record this transaction would include a A : credit to Service Charge Expense of $20. B : debit to Cash of $1,000. C : debit to Service Charge Expense of $20. D : credit to Cash of $980.
Answer:
C : debit to Service Charge Expense of $20
Explanation:
The complete journal entry used to record this transaction would be:
March 17, 202x, sales revenue
Dr Cash 980 (assuming the transaction is processed automatically)
Dr Service charge (or Credit card) expense 20
Cr Sales revenue 1,000
Since the credit card company is charging you a 2% commission ($20), we must consider it an expense. Remember that all expenses must be debited.
3 Do you think the conflict of interests between these different stakeholder groups could ever be resolved? Explain your answer. [10]
Answer:
t is possible to resolve conflicts of interest between groups of stakeholders using some techniques and strategies that seek to integrate stakeholders and promote agreements that benefit everyone.
Explanation:
Managing conflicts is not a simple task, so it requires substantial efforts by the entire administration to develop the best strategies for resolving conflicts. It is essential that there is an understanding of the reasons that led to the conflicts and the search for solutions that benefit the greatest possible number of stakeholders.
In a conflict situation, communication is an essential tool in the resolution, it is necessary to know how to listen to all parties and be transparent about the search for an agreement that benefits everyone. It is necessary to integrate the teams and make each one feel heard and understood with regard to conflict and claims. The search for solutions must be the main objective when resolving a conflict, when managed effectively, it is possible to eliminate the reason for the conflicts and even make the teams more motivated at work.
You are trying to decide how to increase the amount you save. What could you do?
• When you get a pay raise, save the increase from each paycheck
• Each day drop your change in a jar and deposit it when the jar is full
. When you get a pay raise, save a portion of the raise from each paycheck
• Save any extra money that comes in such as birthday gifts or bonuses from work.
• Save any money that is left over at the end of each pay period.
Answer:
I would say All of the Above
Explanation:
Saving money can be done in many ways, in many styles. I hope this helps
Compared to a short-term investment, what is the general return of a long-term investment? A) A long-term investment has a similar return to a short-term investment.
B) A long-term investment has a greater return because it has greater risk.
C) A long-term investment has a greater return because it has lower risk.
D) A long-term investment has a lower return because it has lower risk.
Let understand that "short-term investment" are investments that can be easily converted to cash and has a maturity period of less than a year. Example of this investment are Money Market.
"Long term investment" are investment that runs over a long period of time and yield higher return than the short-term investment". Example of these investment are stocks, bonds, real estate
People invest in "Long term investment" because its offers more risk for higher rewards.
In conclusion, long-term investment has a greater return because it has greater risk.
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Answer:
Compared to short-term investment, what is the general return of long-term investment?
Long-term investment has a similar return to short-term investment.Long-term investment has a greater return because it has greater risk.Long-term investment has a greater return because it has lower risk. <<<CORRECTLong-term investment has a lower return because it has lower risk.Explanation:
Edge 2022
Picture your ideal retirement and describe.
Answer:
Lots of money
Explanation:
I would want to save up in order to play sports and video games all day. I would also like to travel a lot
Answer:
Explanation:
I am retired. I have a pension that takes care of my needs for now. It won't once the economies realize what they've done. Practically no one will be able to retire.
So I'm lucky in that I can pretty much do what I want within the jurisdiction where I live. Right now the virus is leading us on a merry chase and our borders are closed. I'm told it's a good thing because the medical care is being overwhelmed. I certainly didn't plan that.
I have the best care that anyone could wish for. I have Cancer but my two specialists take of me with a medication that only 10% of the population respond to, so I'm lucky. That's something I didn't plan on either but I should have. Both my parents succumbed to Cancer. And you have to take into account the bad with the good.
I love to travel and look forward to the borders opening up. Nothing is going to hold me up. You must always figure on what interests you have to become what you like to do. Everyone where I am does have an interest, but I don't think watching television should really count. I do like answer questions on Brainly. I've learned how to write answers that I'm satisfied with, even if students are not.
mike started a calendar-year business on september 1st of this year by paying 12 months of rent on his shop at $700 per month. what is the maximum amount of rent that mike can deduct this year under each type of accounting method?
The maximum amount of rent that Mike can deduct this year depends on the accounting method he is using. That is $ 2800 under the cash method and $ 8400 under the accrual method.
If Mike is using the cash method of accounting, he can deduct the rent payments that he actually paid during the tax year. Since he started the business on September 1st, he would have paid rent for the months of September, October, November, and December, a total of 4 months. Therefore, the maximum amount of rent that he can deduct this year is $700 x 4 = $2800.
If Mike is using the accrual method of accounting, he can deduct rent payments for the period that he is entitled to the use of the property, regardless of when he paid the rent. Since he started the business on September 1st and paid 12 months of rent in advance, he is entitled to use the property for the entire year. Therefore, the maximum amount of rent that he can deduct this year is $700 x 12 = $8400.
It's important to note that if Mike elected to use the cash method of accounting, he must stick with it for at least the first year of business and for future years unless he receives the IRS approval to change it.
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how much did the average american colonists pay in taxes in the 1700’s?
The average american colonists pay in taxes in the 1700’s is between 1 and 1.5%.
By both current and historical standards, the tax rate that colonial and early Americans paid was extremely low. British tax rates were much higher than American tax rates, which ranged from 1.5% to 7% just before the American Revolution.
Americans favoured "indirect taxes" like import tariffs over "direct taxes" like excise taxes (that is, taxes on particular items like whisky or paint) or land taxes far into the 19th century. Although tax rates did increase dramatically following the Revolutionary War as governments fought to pay off their wartime obligations, they were still much below current rates. Despite this, Americans received scant or no government assistance. The absence of public services, inadequate road and infrastructure, and lack of security on the frontier and at sea were issues that Americans frequently bemoaned.
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Type the correct answer in the box. Spell all words correctly. Which tralt represents the ability to find solutions and achleve goals, even with limited resources? is the ability to find solutions and achleve goals, even with limited resources, by thinking creatively and coming up with alternative Ideas. Reset Next
Answer: This would be the characteristics of the trait motivation
Explanation:
Motivation is the ability to find solutions and achieve goals, even with limited resources, by thinking creatively and coming up with alternative ideas. Hope this helps
Motivation is the trait that represents the ability to find solutions and achieve goals, even with limited resources, by thinking creatively and coming up with alternative ideas.
What is motivation?Motivation is the cause of a behavior's initiation, continuation, or termination in humans and other animals at a certain time. Motivational states are frequently interpreted as internal forces that produce a disposition to participate in goal-directed activity in the agent. Different mental states are said to compete with one another, and only the strongest state can determine behavior.
The word "motive," which refers to a person's needs, wishes, wants, or drives, is the root of the word "motivation." It is the process of inspiring people to act in order to accomplish a goal. In the context of career aspirations, psychological factors influencing people's behavior may include a desire for money.
Therefore, the trait that represents the ability to find solutions and achieve goals, even with limited resources is called motivation.
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The WTO has a __________________ that rules on trade disputes, giving the WTO an enforcement mechanism, something the GATT did not have.
The WTO has a Dispute Settlement Body (DSB) that rules on trade disputes, giving the WTO an enforcement mechanism, something the GATT (General Agreement on Tariffs and Trade) did not have.
The Dispute Settlement Body (DSB) is a key component of the World Trade Organization (WTO) and serves as the forum for resolving trade disputes among member countries.
It is an enforcement mechanism that was introduced by the WTO, and it has a formalized process for settling disputes based on established rules and procedures. The DSB plays a crucial role in maintaining the rules-based international trading system by providing a forum for member countries to resolve trade disputes in a fair and transparent manner.
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(1) Accounting and financial reporting standards for state and local governments are set by ___________. (2) What are the three fund types (categories) used by state and local governments? (3) The ________ fund is a Governmental fund that accounts for most of the basic services by the government. (4) These are a type of Governmental Fund that is used to report resources that are legally restricted so that only earnings, not principal, may be used to support the government’s programs. (5) This type of fund is used when resources are provided mainly through business-like transactions to parties external to the government. (6) Governmental Funds use which basis of accounting? (7) Government-wide Financial Statements have two basic financial statements. They are the Statement of Net Assets and the ___________. (8) What "Measurement Focus" do the government-wide financial statements use? (9) ______ are taxes and other assessments levied without an underlying external exchange. (10) There are three categories of Funds that contain ____ fund types.
Accounting and financial reporting standards for state and local governments are set by the Governmental Accounting Standards Board (GASB).
(2) The three fund types (categories) used by state and local governments are Governmental Funds, Proprietary Funds, and Fiduciary Funds.
(3) The General Fund is a Governmental fund that accounts for most of the basic services provided by the government.
(4) These are a type of Governmental Fund that is used to report resources that are legally restricted so that only earnings, not principal, may be used to support the government's programs. These funds are called Permanent Funds.
(5) This type of fund is used when resources are provided mainly through business-like transactions to parties external to the government. These funds are called Proprietary Funds.
(6) Governmental Funds use the modified accrual basis of accounting.
(7) Government-wide Financial Statements have two basic financial statements. They are the Statement of Net Assets and the Statement of Activities.
(8) The government-wide financial statements use the Economic Resources Measurement Focus.
(9) Taxes and other assessments levied without an underlying external exchange are called Non-exchange Revenues.
(10) There are three categories of Funds that contain Governmental fund types.
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Based on the information given In the following problem , compute the gross pay
Regular Salary: $1,100 per month
Overtime rate: $10.38 per hour ( 20 hours overtime to be paid)
Round you answer to two decimal places
Gross pay =$
Answer:
The gross pay of employee is $1307.60 per month
Explanation:
Regular salary of employee = $1,100 per month
Overtime rate per hour = $10.38
Overtime to be paid for no. of hours = 20
So, Total overtime = \(10.38 \times 20\)
Total overtime =$207.6
Gross pay of employee = Regular salary + Overtime
Gross pay of employee =$1,100 +$207.6
Gross pay of employee =$1307.60 per month
Hence The gross pay of employee is $1307.60 per month