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Yuki888 [10]
2 years ago
15

Summarize red lines and reverse red lining and why they are unethical lending practices

Business
1 answer:
Sonbull [250]2 years ago
3 0

Answer:

3 For example, redlining has been used to describe discriminatory practices by retailers, both brick-and-mortar and online. Reverse redlining is the practice of targeting neighborhoods (mostly non-white) for higher prices or lending on unfair terms such as predatory lending of subprime mortgages. A 2017 study by Federal Reserve Bank of Chicago economists found that redlining—the practice whereby banks discriminated against the inhabitants of certain neighborhoods—had a persistent adverse impact on the neighborhoods, with redlining affecting homeownership rates, home values and credit scores in 2010.

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OSHA issues fines against companies which have safety violation in order to _______.
lozanna [386]

OSHA issues fines against companies which have safety violation in order to D. Compel them to make safety improvements.

OSHA stands for the occupational safety and health administration. The OSHA administration makes sure that all safety requirements are being followed by a business to ensure quality and safety of their employees and consumers. OSHA conducts safety inspections to make sure there are no safety violations, if there are, there is a time limit set for when/how to fix the violation.

7 0
3 years ago
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Culture goes deeper than observable behavior. It is a society's shared and socially transmitted ideas, values, and perceptions t
Vikentia [17]
I’m gonna say this one is true.
5 0
3 years ago
A manufacturer of printed circuit boards is considering purchasing a new surface mount technology component placement system. Tw
Darina [25.2K]

Answer:

R is a better alternative because it has a higher NPV than Q.

Explanation:

Machines                            Q                                  R

First costs                   $380,000                  $395,000

Net annual revenue $150,000 in year 1,      $152,500

                                  increasing by $500

                                   per year thereafter  

Salvage value               $4,000                             0

Life, years                           8                                 10

MACRS 7 year recovery:

year                    %                         Q                           R

1                      14.29%               54,302                  56,445.50

2                    24.49%               93,062                  96,735.50    

3                     17.49%               66,462                  69,085.50

4                     12.49%               47,462                  49,335.50

5                      8.93%               33,934                   35,273.50

6                      8.92%               33,896                  35,234.00

7                      8.93%               33,934                   35,273.50

8                      4.46%                16,948                    17,617.00

net cash flow

year                                    Q                           R

1                                     116,505.70                   118,880.93

2                                    130,396.70                  132,982.43    

3                                    121,411.70                     123,304.93

4                                    115,086.70                   116,392.43

5                                    110,676.90                    111,470.73

6                                    110,930.10                    111,456.90

7                                    111,326.90                     111,470.73

8                                    108,306.80                 105,290.95

9                                                                            99,125

10                                                                           99,125

Using a financial calculator, I calculated the NPV using a 12% discount rate:

  • Q's NPV = $200,636.15
  • R's NPV = $259,221.01

6 0
3 years ago
Jake is the maker of a $2,000 promissory note payable to Kim. Kim indorses the note toLou who, in turn, indorses it to Mona, who
kow [346]

Answer:

it's Jake, Kim, or Lyron or basically the first one but yours appears to be different

6 0
3 years ago
"Discuss the financial and operational implications for airlines as they try to offer the newest technology services?"
Oksana_A [137]

Answer with Explanation:

The introducing of newest technology would definitely have financial and operational implications. These implications are given as under:

Financial implications

  • Cost Reduction: The operational costs would be reduced by investing in the newest technology which will make the cash flow position better with time.
  • Benefits Lost Risk: It is possible that the investment might not bring value to the company because of any emergent problems, whose mitigation requires incurring of additional costs.
  • Cost Advantage: The lower operational cost can drive higher sales because the company will be charging lower fare prices to its customer thus giving Cost Advantage.
  • Investing in newest technology might not bring value to the company because it is not attracting potential customers but it might pay off later in the form of developed customer loyalty.

Operational implications

  • Implementing a newest technology might improve the operational processes through which the customer go through, which would increase the customer satisfaction.
  • Implementation problems of newest technology.
  • Long term Customer retention will easy for the airline company due increased customer satisfaction.
  • Operational efficiencies related to services will process the customer fastly saving the companies precious time wasted in these process thus reducing the future human resource cost.
  • Using robots might bring adverse marketing because the people might think that the human resource are no more required and risks associated with the acceptance of technology due to cultural differences.
  • Better Security systems would increase the security level and safety levels for the customers.
7 0
3 years ago
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