Answer:
D. Level of optimism about the future
Explanation:
Answer:
d. All of the above
Explanation:
A budget can be defined as a financial plan of estimated revenues, resources and expenses over a specific period of time in a particular country. It is usually reevaluated based on future plans and objectives periodically, typically on an annual basis. Thus, budgets are usually compiled, analyzed and re-evaluated on periodic basis.
Budgeting competency requires the ability to:
a. Define the production system.
b. Quantify expected operations in dollars.
c. Analyze actual results considering the budget to determine where costs were better or worse than expected.
Additionally, the first step of the budgeting process is to prepare a list of each type of income and expense that will be part of the budget.
The final step by the management of an organization in the financial decision making process is making necessary adjustments to the budget.
<em>The benefits of having a budget is that it aids in setting goals, earmarking revenues and resources, measuring outcomes and planning against contingencies. </em>
Once a loan application is received, a creditor may not require additional information or verification until The Loan Estimate is provided.
What is a Loan Estimate?
After submitting a mortgage application, you will receive a three-page document called a Loan Estimate.
You can learn vital information about the loan you've asked for from the Loan Estimate. After receiving your application, the lender has three business days to give you a Loan Estimate.
You can see key details on the form, such as the expected interest rate, monthly payment, and total loan closing expenses. You can find out more about the expected expenses of taxes and insurance in the loan estimate, as well as any future changes to the interest rate and payments. The application also discloses any unique terms of the loan that you should be aware of, such as prepayment penalties for early loan repayment.
So, the creatir must wait till The Loan Estimate is provided.
To learn more about Loan Estimate:
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Answer:
Commercial Speech
Explanation:
Commercial speech: In law, the term "commercial speech" is defined as writing or speech in regards to any specific business having the intent or motive of earning an amount of profit or revenue. Commercial speech is considered to possess economic nature and therefore, it generally attempts to persuade different consumers in order to purchase or buy the services or products related to a given business.
In the question above, the given statement represents the "commercial speech".
The way that they use the intervener can very between which different methods that you can use