TASK 1: BUDGET AND NET WORTH
Keep track of your income and expenses for one month. List all your assets and liabilities (debts owed) in a spreadsheet. Based on these documents, develop a monthly budget and a net worth statement.
Answer:
1. Housing or Rent
Housing and rental costs will vary significantly depending on where you live. For example, the median home value in 2018 was $328,200 in New Jersey, but $140,100 in Ohio. Cost-of-living calculators can help you adjust your budget estimates based on your location.
When it comes to a home loan, interest rates and the length of the mortgage also have a powerful effect on your monthly mortgage payments. Assuming a national average loan size of just over $245,000, a 30-year loan at 3.29% interest would cost $1,700 per month. A 15-year loan for the same amount at 2.79% interest would cost $2,296 per month.
Rent varies in a similar way based on where you live geographically. In 2021, the average monthly rent for a one-bedroom apartment in Kansas was reported at $1,065. Move to California, and that one-bedroom apartment will set you back $2,670.
(The numbers that follow in this article are based on Department of Labor data unless another source is cited.)
2. Transportation and Car Insurance
Transportation is the second-largest budget item for most people, with average monthly expenses of about $819, including car payments, gasoline, and insurance. This should include all your regular expenses of commuting and just getting around town.
If you don’t have a car payment, you might include less for transportation in your monthly expense budget. On the other hand, an older car might need a higher budget to cover the costs of maintenance.
Also, most car insurance plans let you save money if you pay for a full six months in advance. If you build that option into your monthly expense spreadsheet, saving enough each month to pay for your insurance up front, you’ll come out ahead in the long run.
3. Travel Expenses
Travel expenses include things like weekend getaways, visiting family, traveling for work, or anything that goes beyond your usual expenses with things like plane tickets, hotel stays, and rental car costs.
If you’re planning something big like a week-long vacation, cross-country drive, or overseas trip, consider creating a separate budget for that expense and saving up for it in advance.
Explanation:
A budget is detailed estimate of all possible revenue & expenditure to be incurred whereas net-worth is a wealth of individual by combining all assets' market value & deduct the outstanding balance of liabilities.
What is Net-Worth?The difference between an individual's or business's asset and liabilities is their net worth. High net worth is correlated with strong financial standing, which leads to a positive credit rating for a person or business.
Whereas Budget is related to the tabular representation of all incomes and gains that can be accrue & due towards that individual or business entity irrespective of the fact that they are actually earned or not. Also account for the probable expenditures that are going to incurred for earning that matching revenue.
Budget Accounting help a business to make relevant decision for future events. However a net-worth statement shows financial strength of individual or business entity. It often refer by financial institution for loan appraisal of any person or business.
Thus Net worth statement & Budget statement are different parameter of Financial results analysis.
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how did europeans make money
Answer:
Explanation:
In order to gain power, nations had to amass wealth by mining these precious raw materials from their colonial possessions. Mercantilists did not believe in free trade, arguing instead that the nation should control trade to create wealth and to enhance state power.
Igneous rock is formed from the cooling and crystallization of magma or partially melted rock.
Igneous rock can be either intrusive or extrusive. Intrusive igneous rock has larger crystals, and extrusive igneous rock has small crystals. Sometimes the small crystals are not even visible.
What determines whether igneous rock is intrusive or extrusive?
A.
the density of the rock
B.
the chemical composition of the rock
C.
where the rock was formed
D.
where crystals in the rock are found
This is for study island.
Answer:
C)Where the rock is formed
Explanation:
Intrusive igneous rocks cool from magma slowly in the crust. They have large crystals. Extrusive igneous rocks cool from lava rapidly at the surface. They have small crystals
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Ben is a teenager living with his biological mother, Carol partner, Susan. Due to outdated state laws that don't recognize or support contemporary family structures, Ben's family is likely to experience the following financial, legal, or emotional costs except that?
A. Ben may be disadvantaged in important ways compared to his peers raised by straight parents.
B. if Ben's biological mother, Carol, were to die, Ben could be placed with a distant relative or in foster care instead of staying in his home with Carol's partner, Susan.
C. Ben may not be able to receive medical coverage through Susan's employer, as she is his non-biological parent.
D. only Ben's biological mother, Carol, may have the authority to make routine or emergency decisions about Ben's health
Answer:
A. Ben may be disadvantaged in important ways compared to his peers raised by straight parents.
Explanation:
Children raised by gay parents are not at specific disadvantages compared to their peers. All of the other choices are very real issues that may occur.
wy media is important in a democratic country
Answer:
"First, it ensures that citizens make responsible, informed choices rather than acting out of ignorance or misinformation. Second, information serves a “checking function” by ensuring that elected representatives uphold their oaths of office and carry out the wishes of those who elected them."
Explanation:
PLEASE ANSWER ASAP ! What was one major factor in Buddhism's spread throughout Asia?
A. Muslim empires that had long ruled over India collapsed.
B. Ashoka the Great converted to Buddhism following a bloody battle.
C. Hindu priests accepted the teachings of the Buddha as inspired by the gods.
D. India became separated from foreign religions after the collapse of the Silk Road.
Answer:
I'm doing the test I forgot the anwser but hold on
Explanation:
Answer:
B
Explanation:
I did the test
why is the united states not truly pluralistic
Answer:
/Itz the attachment of magnetism of quantum physics dialated from string theory to a decievalbly solubility and flammability.
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How are the authors' points of view different in these excerpts?
Article A focuses on the importance of the sea otter grooming its fur, but Article B shows that the sea otter's grooming habits endanger it when the water is not clean.
Article A explains that adult sea otters spend more than a third of their day grooming, but in Article B, the author explains that adults spend most of their day caring for their young.
Article A highlights the different reasons the sea otter's fur must be clean, and Article B highlights the actual process sea otters use to keep their thick coats clean and healthy.
Article A focuses on how the sea otter's fur can harm the animal, while Article B focuses on how the sea otter's fur can protect it from oil spills and other water pollution.
Article A explains that adult sea otters spend more than a third of their day grooming, but in Article B, the author explains that adults spend most of their day caring for their young are the authors' points of view.
What is sea otters?The sea otter is a marine mammal found along the northern and eastern North Pacific Ocean coasts.
Adult sea otters weigh between 14 and 45 kg 30 and 100 lb, making them the heaviest weasel family members but among the smallest marine mammals.
Thus option B is correct.
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why is life possible on earth and not on other planets
Answer:
It is the right distance from the Sun, it is protected from harmful solar radiation by its magnetic field, it is kept warm by an insulating atmosphere, and it has the right chemical ingredients for life, including water and carbon.
Explanation:
Earth has all the basic necessities that are required for an organism to survive. The temperature and atmosphere of the earth makes life comfortable for the organism.
Answer:
Because earth contains resources that make life possible such as water and oxygen. A lot of these resources lack on other planets which is why Earth is the best to do it.
Explanation:
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what is effective work
Answer:
Effective work is when you have a good attitude, manage time well, communicate clearly, and actually get what needs to get done, done the right way and efficiently.
Explanation:
The most effective worker is the most liked, and respected person in the community and this person helps out when help is needed, also effective work is getting things done in a timely manner and doing what needs to be done right the first time.
In three to five sentences, describe the impact of the Civilian Conservation Corps on Tennessee.
Answer:
Here is the answer
Explanation:
The Civilian Conservation Corps (CCC) was a work relief program that gave millions of young men employment on environmental. Projects during the Great Depression. Considered by many to be one of the most successful of Roosevelt’s New Deal programs. The CCC planted more than three billion trees and constructed trails and shelters in more than 800 parks nationwide during its nine years of existence. The CCC helped to shape the modern national and state park systems we enjoy today.
the concept of "men in black" refers most to urban legends of which category?
Answer: Men in Black, subject of fascination in UFO conspiracy circles.
Explanation: Hope it helps :)
Do you feel differently about immigrants from Europe versus immigrants from Africa
Which continent is highlighted? Type the full name. Remember to capitalize your answer.
Can anyone answer these three pls ty
Answer:
did you see what the answer is im just doing this for pooints
Explanation:
who has the authority to enforce court orders?
a. president b. congress c. the courts d. senate
Discuss the threats posed by this species to the local environment and the measures used to control the species
Invasive species outcompete local species for resources. They cause damage to assets that may motive monetary loss. They disrupt meals chains.
What are Invasive species?Invasive species are species that don't arise certainly in a given vicinity, however had been introduced to that vicinity, normally with the aid of using humans.
This vicinity has no herbal predators for this species, which permits it to breed quickly, taking on the region and turning into an actual pest.
Thus, Invasive species outcompete local species for resources. They cause damage to assets that may motive monetary loss. They disrupt meals chains.
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BIODEGRADABLE means that trash will / will not
rot and degrade to soil.
A. Will
B. Will Not
Answer:
Will
Explanation:
Bio degradable means that the thing can decompose.
How do the global winds currents contribute to the overall climate of London?
Answer:
Warm currents from the tropical areas of the Atlantic travel up to the UK region. These warm currents influence the wind currents in the area and cause this area to have a temperate climate. (Cool summers, warm winters)
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is education the great equalizer in american society
When the federal reserve system wants to increase the money supply what will the Fed do?
can lower the reserve requirements for banks, which allows them to lend more money
raising the banks' reserve requirements, Fed can decrease the size of the money supply
increase in the supply of money typically lowers interest rates which can stimulating spending
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After Franklin Roosevelt died, what responsibility was
left to President Truman?
Setting up trials at Nuremberg
Taking in victims of the Holocaust
Getting Japan to surrender
Stopping discrimination of American troops
When you have an idea for a new local public safety law, what step can you take to make the law a reality?
Tell the police chief to change the law.
Ask a local lawmaker to propose a new law.
Petition the United States Congress to change the law.
Take your new idea before a judge who can change the law.
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Answer:
Ask a local lawmaker to propose a new law
Explanation:
What are types of online games categories
I'm sending this attachment since it's showing some issues regarding to this answer ( in the attachment ) which I don't know why it is !!!. Ok, Anyways play and enjoy the Online Games.
What percentage of criminal cases actually make it to trial in federal or state
courts, as estimated by scholars?
Which person in the photo is flexing their agency? How does the picture below reiterate the points about agency and social change?
A political leader is flexing here in this photo.
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When comparing the negotiating styles and strategies of French versus Spanish negotiators, a number of sharp contrasts are evident. What are three of these, and what could MNCs do to improve their position when negotiating with either group?
The differences exist in terms of Power Distance as France has a lower power distance when compared to Spain as well as organizational culture and structure differs.
What is negotiating styles?The term negotiating styles is often used to come to a conclusion in terms of a given situation.
Note that the organizational cultures is a key aspect of business alliance and it is one that helps organization to known if if it would be good to work in specific structure or culture or not.
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Jani is interested in how elementary school children relate to children in their classes
who have facial differences, like noticeable birthmarks or scars, diminished facial
mobility, or atypical facial features like asymmetry or atypically small or large features.
How might she conduct her study using a field research approach? What are the
strengths and limitations of this approach?
She could do a field study looking at the behavior of the children and how they relate to those with facial differences. However, this can be difficult because she cannot be aware of everyone and they can modify her behavior when they are observed.
What is a field study?Field research is a type of research that is characterized by the fact that the researcher does a field study to obtain data from reality and study it as it is presented, without manipulating the variables. For this reason, its essential characteristic is that it is carried out outside the laboratory, at the place where the phenomenon occurs.
How can Jani study the students?Jani can study student behavior by observing and reconnecting information in a log or field journal. However, she would be a factor that would modify the behavior of the students because they do not behave in the same way when she is there as when she is not.
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Should dress code be banned from school?
Answer:I have some opinions
Explanation:No,it should be a bit less strict,people want to express themselves by what they wear and sometimes schools can ruin that;
But at the same time it keeps us save from possible ped0ph!les, showing too much skin always attracts one sadly.
like it’s not ok for younger people to wear like but t shorts and very short crops tops the size of braz around in public so school made a dress code from showing too much skin.
but I’m not a huge fan of not wearing hoodies in the building there’s really not a problem with that as long as the students isn’t distracted.
(yes there’s this one teacher from my friends school that was indeed a perve rt )
also unpopular opinion on leggings (this goes for girls)I notice that leggings are not allowed at some schools(my school banned it at one point )but I think it should be allowed as long as you’re wearing a good shirt to cover the behind (the part where it’s most tight/noticeable )iykyk.
Answer:
Maybe there should be a little restrictions; because sometimes people like to over-do it. People can express themselves, just appropriately XD
ex. No croptops, spaghetti straps, they're not a stan, schools hate that lol.
hope this helped
~rere
