Answer:
The surrender cash value is used for the extended term option.
Explanation:
This is where the nonforfeiture clause comes to policyholders aid. The nonforfeiture clause allows the policy holder who has not made payment of premiums within the grace period to be able to get the cash value of his whole life policy(with already paid premiums), recovered either by cash or extended term option or any other agreement made prior. The cash value of his whole life policy could be applied to the extended term option, allowing the policy holder to get a term insurance policy worth the value of his surrender whole life policy minus any loans against it.
To avoid financial worry, keep the cost of housing (including mortgage, interest, insurance, and property taxes ) below_______of pre tax income.
A. 05%
B. 28%
C. 50%
D. 15%
All the housing costs which include (mortgage, interest, insurance, and property taxes) should be below 28 percent of pre-tax income to avoid financial stress.
What is the 28% rule?
The 28 percent rule states that your house payment, including property taxes and insurance, should not exceed that percentage of your monthly gross income.
This is also known as a decent general guideline for mortgage payments or a safe mortgage-to-income ratio.
Therefore, Option B. 28% is the correct answer.
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he boss stops providing free coffee to the workers when the monthly sales goal is not met. This is an example of:
Answer:
Negative incentive
Explanation:
Since in the given situation, the boss does not give the free coffee to the workers at the time when the monthly sales goals are not attained as the boss expect from the workers that they could attain the monthly sales goals and for this they give the salary to them
So this represent the negative incentive example
While some property owners choose to perform both the property and asset manager functions themselves, many commercial property owners choose to employ professional property managers instead. The property manager works under a management contract in which the manager is empowered to serve as the owner's fiduciary. This type of relationship is more commonly referred to as a(n)
Answer:
agency relationship.
Explanation:
An agency can be defined as a mutual relationship existing between two parties, wherein a principal authorizes the agent to act as the principal's representative or on his behalf (fiduciary role) in dealing with third parties.
Hence, the type of relationship in this scenario is more commonly referred to as an agency relationship.
In an agency relationship, a commercial property owner may choose to employ a professional property manager who is saddled with the responsibility of serving as his or her (owner) fiduciary under a management contract.
if there was a shirt that looks identical but came out in two different seasons how do you explain the price difference to the customer even though they look the same but from two different seasons?
__________ is a control mechanism in which organizations make sure that the right people do the right things at the right time.
The hierarchy of authority is a control mechanism in which organizations ensure that the right people do things at the right time.
What the organizational structure?It is the set of components that make up the organizational whole, making its structure and systems aligned with its central objective. The structure is composed of three factors:
ComplexityFormalizationCentralizationTherefore, the hierarchy of authority is a part of the centralized organizational structure that will ensure that processes run correctly.
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Broker A is involved in an exclusive right to sell listing with his seller client, Seller S. After receiving the property condition disclosure form from Seller S, Mark hosts an open house to promote his new listing. At the open house a customer expresses concerns about radon levels in the area. Seller S did not indicate a radon problem on the property disclosure. What is Broker A's best course of action in this situation
Answer:
In such a scenario, it is recommended that Broker A should acknowledge the concerns of the customer because this is a material concern. They should then remind the customer that there exists a Property Disclosure Form which is made by the Seller that the customer is allowed to view to see if there is anything wrong with the house.
You as the broker, are acting on behalf of the seller so should not disclose any information than what is on the Property Disclosure Form.
If however, you know of a radon problem in the property in your personal capacity, the law requires that in the interest of safety, you reveal this to the customer if the seller did not disclose this in the form.
Which will you likely have to provide on college applications?
A. Personal information
B. Career plans
C. Employment history
D. Parent's level of education
According to the text, economists are starting to understand that ________ matter just as much as ________ to occupational success.
Answer:
personality traits; cognitive ability
Explanation:
The definition of a personality trait is a quality or an attributed that become different with respect to the character, action and the attitude.
While on the other hand, the cognitive ability means the mental capability that includes the capability for reasons, planning, problem solving
So here the personality traits are understand and also the cognitive ability for success of an organization
f a business wants to sell a product or service on the Internet for the first time, the __________ would need to understand the wide-ranging risks involved as well as the organization's security capability. A. executive committee B. operational risk committee C. compliance committee D. security committee
Answer:
b
Explanation:
The operational risk committee has the responsibility of maintaining and overseeing the operational risk of an organisation. They are to identify possible operational risks of all the activities of a company and take steps to mitigate and manage such risks
The functions of The operational risk committee includes :
Identify possible risksEvaluate the risks Develop and implement strategies needed to manage the riskEvaluate the risk and strategize implemented regularlyAt the beginning of the year (January 1), Buffalo Drilling has $11,000 of common stock outstanding and retained earnings of $6,900. During the year, Buffalo reports net income of $7,200 and pays dividends of $1,900. In addition, Buffalo issues additional common stock for $6,700. Required: Prepare the statement of stockholders' equity at the end of the year (December 31)..
Answer:
Statement of stockholders' equity at the end of the year December 31
Common Stock Retained Earnings Total
At Beginning of the year :
Balances $11,000 $6,900 $17,900
During the Year :
Net Income - $7,200 $7,200
Dividend - ($1,900) ($1,900)
Issue of Common Stock $6,700 - $6,700
At End of the Year :
Balances $17,700 $12,200 $29,900
Explanation:
Stockholders' equity represents all items that are attributable to the owners of the company.
The statement of stockholders' equity at the end of the year December 31 has been prepared above according to IAS 1.
4. Does inflation cause a change in demand? Explain the role of inflation in determining demand.
Answer:
Inflation is an increase in the general price level in an economy. It is probably caused by the relative increase in the amount of money in relation to the available economic production. If the social money supply increases and the country's production is not matched, the average price level will rise due to the increased demand for goods. Due to the price increases, the value of money, the purchasing power of money, decreases. You can buy less for the same amount, thus lowering demand.
In an examination evaluation expert system, the _____ component of the expert system is responsible for stating why a loan applicant was approved or rejected.
Answer:
The missing phrase is Explanation Facility.
Complete Sentence:
In an examination evaluation expert system, the Explanation Facility component of the expert system is responsible for stating why a loan application was approved or rejected.
Explanation:
An expert system is a computer system program that can do the job of a human expert whose role is to give professional opinions, judgments, or advice regarding an issue. These systems are associated with Artificial Intelligence.
In other to create this kind of system (which has the capacity to solve complex problems) AI programmers use a collection of knowledge stored or codified in if-then formats or rules
In expert systems, an explanation facility is a function that allows non-artificial users to query the veracity of the system's reasoning. Usually, the system would make reference to its frame of logical construct, its rules, and or goals.
Cheers
who benefits from a loan?
A - only the person who is given the loan by a bank?
B - only the bank who gives the loan to a person
C - both the person who gets the loan and the bank that loans the money
D - no one benefits when a loan is given out
Answer:
C
Explanation:
The person gets money to spend, then over time the bank will earn that money back from the same person. So I'd say both benefit.
Tenant Tomas and landlord Landis enter into a contract for Tomas to rent Landis's home for two years. Halfway through the lease, Tomas decides to install smart lights and a security system that requires intensive modifications to the wiring and electrical system. May Tomas make such improvements?
Answer:
Yes, with Landis' permission
Explanation:
Yes, with Landis' permission.
Any major modifications to a property leased must be done with the knowledge and permission of the landlord. In the case of Thomas(Tenant), the permission of Landis (Landlord) must be sought before Thomas can install the smart light and security system on the property.
4. Consumption as a component of GDP refers to the expenditure of A. banks. B. household. C. producers. D. government.
PLEASE TELL A
B
C
D
One significant component of _____ can be the investment a seller makes in equipment or in the hiring of skilled employees to supply the product or service to the buyer.
Answer:
Transaction cost
Explanation:
Transaction cost is defined as costs that a person bears in the process of buying or selling of a product.
For example the commission that is paid to a broker for completing a transaction, cost of transportation that is spent when completing an exchange, and time for completing the purchase are all examples of transaction cost.
In the given instance transaction cost is exemplified by the investment a seller makes in equipment or in the hiring of skilled employees to supply the product or service to the buyer.
Q. Compared with other investment asset classes, an investment in real estate is least likely to be characterized by:
Answer:
i really dont know/////////////////////////////////////////////////
Explanation:
Which money market security is defined as short-term funds transferred between financial institutions, often for no more than one day
Answer: Federal Funds
Explanation:
The Fed requires that some financial institutions keep a certain proportion of their deposits with the Fed called a reserve requirement. Sometimes, on a daily basis, some financial institutions may not be able to meet up with this requirement whilst other exceed it.
When this happens, those with the excess can return lend those who don't have enough. This is called Federal funds and usually lasts for no more than one day.
If the balance of the cash account is $80,800 at the end of the month, what was the cash balance at the beginning of the month
Answer:
$38,900
Explanation:
Missing word "During the month, Warwick co, received $332,800 in cash and paid out $280,900 in cash"
Particulars Amount
Cash balance at month end $80,800
Add: Cash paid out $280,900
Less: Cash received $322,800
Beginning cash balance $38,900
Select the correct answer.
Shazia writes a novel about the lives of nomads who lived in the 1800s. She later finds out that a big production house has launched a movie based on a theme that Shazias’ book covers, including a few exact details. The production house didn’t check with Shazia for her consent. Which IPR right has the production house violated?
A.
trademark
B.
copyright
C.
patent
D.
trade secret
E.
goodwill
Shared development of innovations among several departments is emphasized by the _____ approach to innovation
Answer:
horizontal linkage
Explanation:
In a value chain horizontal linkages involve cooperation among different departments aimed at building interdependence, trust, and resource pooling in order to achieve a set goal.
It is made up of relationships between people or department that are equal in an organisation.
Shared development innovations are more easily implemented by using the horizontal linkage model. Participants are more willing to express themselves freely and work collaboratively to achieve set goals.
For a closed economy, GDP is $18 trillion, consumption is $13 trillion, taxes are $2 trillion and the government runs a deficit of $1 trillion. What are private saving and national saving
Answer:
Private saving = $3 trillion
National Saving = $2 trillion
Explanation:
Private saving = GDP - Taxes - Consumption + Transfer payments
Private saving = $18 trillion - $2 trillion - $13 trillion + 0
Private saving = $3 trillion
Government runs a deficit of $1 trillion means its spending is $1 trillion more than the tax revenue.
So, National Saving = Private saving + Public saving
National Saving = $3 trillion + ($2 trillion - $3 trillion)
National Saving = $3 trillion + (-$1 trillion)
National Saving = $2 trillion
On June 30, 2014, Apricot Co. paid $5,000 cash for management services to be performed over a two-year period. Apricot follows a policy of recording all prepaid expenses to asset accounts at the time of cash payment. The adjusting entry on December 31, 2014,for Apricot would include:
Answer:
A debit to Management Services Expense for $1,250
Explanation:
The adjusting entry should be
Management Services Expense Dr ($5,000 ÷ 2 × 6 ÷12) $1,250
To Cash $1,250
(being cash paid is recorded)
Here cash is debited as it increased the expense and cash is credited as it decreased the assets
Hence, the same should be considered
A negotiable CD is a: a short-term unsecured promissory note issued by a company to raise funds for a short time period. b loan to an individual or business to purchase a home, land, or other real property. c short-term fund transferred between financial institutions usually for no more than one day. d marketable bank-issued time deposit that specifies the interest rate earned and a fixed maturity date.
Answer:
d. marketable bank-issued time deposit that specifies the interest rate earned and a fixed maturity date.
Explanation:
A bank certificate of deposit (CD) can be defined as a secured form of time-bound deposit and a special low-risk savings account, wherein money (lump-sum) are left with the bank for a specific period of time in exchange for an interest rate premium.
Generally, a certificate of deposit pays a higher interest rate to its holder than the regular savings account because the banks invest the money in a business.
Additionally, the bank certificate of deposit is protected and insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000.
A negotiable certificate of deposit (NCD) can be defined as a type of certificate of deposit (CD) that has a minimum face (par) value of $100,000 and can't be redeemed before its maturity date i.e it doesn't allow the holder to withdraw money until the pre-determined date.
This ultimately implies that, a negotiable certificate of deposit (NCD) is a marketable bank-issued time deposit that specifies the interest rate earned (interest-bearing time deposits) and a fixed maturity date.
____ is a customer's subjective assessment of benefits relative to costs in determining the worth of a product.
Answer:
Value
Explanation:
A product can be defined as any physical object or material that typically satisfy and meets the demands, needs or wants of customers. Some examples of a product are mobile phones, television, microphone, microwave oven, bread, pencil, freezer, beverages, soft drinks etc.
According to the economist Philip Kotler in his book titled "Marketing management" he stated that, there are five (5) levels of a product. This includes;
1. Core benefit.
2. Generic product.
3. Expected product.
4. Augmented product.
5. Potential product.
The core benefit of a product can be defined as the basic (fundamental) wants or needs that is being satisfied, met and taken care of when a customer purchase a product.
In Economics, value is a subjective assessment of benefits by a customer with respect to costs in determining the worth of a product.
For example, a hotel provides a comfortable and convenient bed to spend the night (sleep) when you travel for a vacation at a price.
an artist brought a breach of contract claim against a museum...what effects will the dismissal order have
Answer:
The artist will not be able to refile or restart the same claim again.
Explanation:
The breach in a contract means when one of the party who have entered into an agreement fails to perform or deliver according to the contract terms made in the agreement.
In the context, the dismissal is be able to operate as the adjudication on its merits which [tex]\text{precludes the artist from re-asserting the same claim}[/tex] in some newly filed action. This involuntary dismissal are also prejudice, so that artist will not be able to re-start the same claim in a newly filed action.
The management of a diverse group of customers with different needs within the same service setting is called:
Answer:
expert customer
Explanation:
Answer:
that would be an expert customer
Consumer surplus is represented by the area _____ the demand curve and _____ the price that the consumer pays.
Answer:
under
above
Explanation:
Consumer surplus is the difference between the willingness to pay of a consumer and the price of the good.
Consumer surplus = willingness to pay – price of the good
For example, if the willingness to pay for a book is $100 and the price of the book is $50.
Please check the attached image for a diagram showing consumer surplus
Consumer surplus : $100 - $50 = $50
For purposes of computing the weighted average number of shares outstanding during the year, a transaction that must be treated as if it occurred at the beginning of the year is:
Answer:
The answer is option d. 367,500.
Determine the weighted-average number of shares outstanding as of December 31, 2018.
To determine the financial condition of an existing business, it is necessary to compare ______ with ______ to identify where costs can be reduced or more money is needed.
Answer:
operating ratios; industry averages
Explanation:
