the skills, knowledge, and experience possessed by an individual or population, viewed in terms of their value or cost to an organization or country.
a receiver's physical state. If you are speaking to someone who has hearing loss or a migraine headache, he may not be able to listen effectively.
Answer:
(1). Secured loans
Collateral is generally required for secured loans. Secured loan are those for which the borrower, along with a promise to repay, puts up some asset (collateral) as surety for the loan. A secured loan instrument simply means that in the event of default, the lender can use the asset to repay the funds it has advanced the borrower. The risk of default on a secured loans tends to be relatively low since the borrower has so much more to lose by neglecting his financial obligation. Secured loans financing is typically easier for most consumers to obtain. As this type of loan carries less risk for the lender, interest rates are usually lower for a secured loan.
(2). Higher interests rates.
People who get loans but are considered a risk to fully repay them, often get higher interest rate. Because the risk to the lender is increased relative to that of secured debt, interest rates on unsecured debt tend to be correspondingly higher. However, the rate of interest on various debt instruments is largely dependent on the reliability of the issuing entity. An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default.
(3). Higher total payment.
An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default. Lenders issue funds in an unsecured loan based solely on the borrower's creditworthiness and promise to repay. Unsecured loan has no collateral backing, It involves no security, Hence, If the borrower defaults on this type of debt, the lender must initiate a lawsuit to collect what is owed.
Answer:
The Asiento, the official contract for trading in slaves in the vast Spanish territories was a major engine of the Atlantic slave trade. When Spain first enslaved Native Americans on Hispaniola, and then replaced them with captive Africans, it established unfree labor as the basis for colonial mass-production.
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The reason why sociologists say that <u>race is a social</u> construction is because what it means to be "white", "black", "Latino", "Asian", etc., is defined according to culture, time and the place. The meanings of these categories are changed over time. However, what does not change is that the racial groups are placed in a hierarchy, with white people or with lighter skin in the upper part; people of non-indigenous color subjected to people with lighter skin; Black and indigenous people in the lower part of the racial system. race is an externally imposed social category. Unlike ethnicity, which describes both aspects of ancestry as well as culture and personal identification, race is ascribed by society.
