Answer:
A debit card
Explanation:
A debit card allows customers to make electronic payments to third parties directly from their bank checking accounts. Debit cards eradicate the need to carry cash around. Banks and other major financial institutions issue debit cards.
Debit cards and credit cards have identical looks and are used for making electronic payments. The major difference is that credit cards are a type of credit facility, but debit cards make payments by drawing directly from the customer's account. Debit cards do not attract interests like credit cards. In many instances, debit card payments will not go through if the customer's account has insufficient funds.
6.8 will be the debt-to-EBITDA ratio.
EBITDA* 8.5=Transaction Value
(Transaction value * 0.8) / EBITDA = 6.8
EBITDA, or earnings before interest, taxes, depreciation, and amortization, is a measure of a company's overall financial performance and is used as an alternative to net income in certain circumstances. However, EBITDA can be misleading because it does not reflect the cost of capital investments such as property, plant, and equipment.
This metric also excludes debt-related expenses by adding interest and tax costs to revenues. However, it is a more accurate measure of business performance as it is able to report profit before the effect of accounting and financial deductions.
Learn more about the debt-to-income ratio here: brainly.com/question/24814852
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Two types of costs necessary for a real estate development is hard costs and soft costs.
Answer: Hard costs and Soft costs
<u>Explanation:</u>
For real estate development there are two types of costs - hard costs and soft costs. Hard costs is the expenses incurred directly for physical construction of the building. Soft costs is for the indirect expenses for the construction of the building.
Permanent loans have fixed rate of interests. Construction loan has got fluctuating rate of interests till the time of construction. When the prime rate changes the interest fluctuates which is termed as float.
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Answer: (E) Union shop
Explanation:
The union shop arrangement is refers to the process in which we require the number of workers for join and also participate in the specific union and it is also called as the post entry or the closed shop.
The workers or the union representatives also providing the various types of benefits in the specific time period. Depending on the different protection level the trade unions are varying nation to nations.
According to the given question, the Neal's human resource manager is basically referring to the union ship that is related to the union membership.
Therefore, Option (E) is correct answer.
