D of course college is one of the main things that can put you in debt for business this is kinda easy.
<span>The form of business organization which is likely to suffer most from the principal agent problem between the owners and managers of the business is the corporation. It is a</span><span> group of people authorized to act as one entity that is recognized by the law.</span>
Answer: Debt-to-income (DTI) ratio
Explanation: The DTI ratio is one that considers the customer's debt relative to his disposable income (income available for spend after personal income tax deduction). The ratio varies from bank to bank. It is the number one thing a bank considers before granting a loan facility to a customer.
The fact that a customer is paying off all its due loan obligations in a timely manner without any default does not mean he is liable to obtain a loan facility if his DTI ratio is on the high side. If the DTI ratio is on the high side, it means the customer's debt is absorbing the substantial portion of the disposable income. To enable the customer get more facilities, <em>it is expected that the disposable income too should increase or better still if the customer can enhance / increase his earning capacities. </em>
<u>Explanation:</u>
Maria may not be able to retire at an earlier age. This is because she sacrifices here years of employment by not being economically productive. Her husband has to meet the family expenses single-handedly through his income. Lot of money is spent on child care so they will not be able to save money for their retirement.
To take an early retirement one should have saved quite an amount of money. This will increase the working years for her and her husband.
Old Mutual is an international banking and investment group which has a 5 pillar framework of responsible business: "Customers, Responsible Investment, Employees, Communities and Environmental Management." The Insurance product transfer risk from an individual or business who cannot bear the load of the risk to, in this case, Old Mutual, who leverage the risk. The insurance premium is paid to the company to cover the cost of the risk. The insurance policy is relevant for people who have valuable assets to lose, which could be lost in damages caused by a fire, for example. To offset the cost of replacing the lost items, the person would pay this premium in the event of an accident.
