1. Analyze the four methods of determining life insurance requirements. Which method is best and why? 2. Visit a few websites of companies such as Metropolitan Life New York Life, Transamerica Life, Lincoln Benefit Life, or others of your choice. Then summarize the various types of insurance coverage available from these companies.
Answers
Four Methods of Determining Life Insurance Requirements: Human Life Value Method, Needs Analysis Method, Capital Retention Method, Budget-based Method.
a) Human Life Value Method: This method calculates the life insurance coverage needed based on the present value of the insured individual's future income and financial obligations. It considers factors such as age, income, potential growth, and expenses. The coverage amount aims to replace the economic value the individual provides to their dependents.
b) Needs Analysis Method: This method assesses the specific financial needs of the insured individual's dependents and beneficiaries. It considers factors like outstanding debts, future expenses (education, mortgage), and income replacement. The coverage amount is tailored to meet these specific needs.
c) Capital Retention Method: This method focuses on preserving the capital or assets of the insured individual. The coverage amount is determined by calculating the value of assets that need to be retained to provide income or support for the dependents. It is often used by individuals with substantial assets.
d) Budget-based Method: This method considers the budget constraints of the insured individual and determines the maximum affordable premium. The coverage amount is then adjusted based on the available budget.
Types of Insurance Coverage Offered by Companies:
The types of insurance coverage offered by companies may vary, but here are some common types available:
a) Term Life Insurance: Provides coverage for a specific term (e.g., 10, 20, or 30 years). It offers a death benefit if the insured individual passes away within the term. This coverage is generally more affordable but does not accumulate cash value.
b) Whole Life Insurance: Provides lifetime coverage with a death benefit and a cash value component that grows over time. Premiums are typically higher, but the policy can accumulate cash value that can be borrowed against or withdrawn.
c) Universal Life Insurance: Combines a death benefit with a cash value component. It offers more flexibility in adjusting premiums and death benefits over time. The policyholder can allocate funds to different investment options within the policy.
d) Variable Life Insurance: Provides a death benefit and a cash value component, which is invested in various investment options such as stocks, bonds, or mutual funds. The cash value can fluctuate based on the performance of the investments.
e) Indexed Universal Life Insurance: Combines a death benefit with a cash value component linked to a stock market index. The cash value growth is tied to the performance of the index, offering potential for higher returns.
These are just a few examples of the types of life insurance coverage offered by companies. It's important to research and compare different policies to find the one that best suits individual needs and financial goals.
Learn more about Insurance from
https://brainly.com/question/25855858
#SPJ11
Related Questions
What index measures price changes received by domestic producers for their output?
a.
consumer price index
c.
implicit GDP price deflator
b.
producer price index
d.
sales price index
Answers
Peggy started work after graduation and started investing.
Why do you think Peggy would have decided to invest?
A. to keep her finances liquid for emergencies
B. to earn compound interest
C. to minimize the risk of losing money
D. to build on her retirement fund
E. to take out a student loan for further education
Answers
Answer:
c
Explanation:
Highschool students still don’t know what to do after graduation and may lead to debt after
The infant industry argument for protectionism suggests that an industry must be protected in the early stages of its development so that:
Answers
The reason for the infant industry argument for protectionism which calls for an industry to be protected in its early stages is so that domestic producers can attain the economies of scale to allow them to compete in world markets.
What is the Infant industry argument?The infant industry argument refers to the call for governments to protect emerging companies in their nation in industries that have been dominated by foreign players.
The need for protectionism is to ensure that the local companies can have the opportunity to start up and charge a high enough price to make some profit so that the industry can grow.
Find out more on the infant industry argument at https://brainly.com/question/13085715
#SPJ1
How will taxation influence the circular flow model
Answers
Answer:
TMS
Explanation:
Taxes (T) imposed by the government reduced the flow of income.
Money paid to foreign companies for imports (M) also constitutes a leakage.
Savings (S) by businesses that would have been put to use are a decrease in the circular flow of an economy's income.
"Professional education and vocational training are the foundation
for the overall development of a nation". Justify this statement with
suitable examples.
?
Answers
Answer:
Professional education and vocational training are the foundation for the overall development of a nation because, by training people in the different careers and jobs that they will develop throughout their lives, this in turn is generating a series of people specialized in different labor fields that will benefit from one or the other it shapes society as a whole. Therefore, through this specific education in labor matters, future progress and well-being are generated for citizens.
Suppose General Electric payed its line workers $12 per hour
Answers
The relevant answers with regard to real wages are as follows:
A) $10.08
B) 10.89
C) 19.05. See explanation below.
What is the computation justifying the above results?[A]
Recall that Real Wages are computed as follows;
Real Wages = (Nominal Wage/CPI in the Given Year) x CPI in the base year
12 = (N/84) x 100
= 10.08
[B]
The formula for real wage still stands:
Hence,
12 x 1.08 = (N/84) x 100
= 10.89
One thing to keep in mind is that the percentage rise in real wages is always equal to the percentage increase in nominal wages. The same may be demonstrated with other values.
[C]
It is to be noted that the real wage is pegged at $12 which is same from the prior year.
Hence, percentage increase = 0
But because $12 is Nominal in the incumbent year,
[(12 - 10.08)/10.08] x 100
= 92/10.08
= 19.05
What is real wages?Real wages are earnings adjusted for inflation, or pay expressed in terms of the quantity of goods and services that may be purchased. In contrast to nominal wages or unadjusted wages, this word is used.
Learn more about real wages:
https://brainly.com/question/22683172
#SPJ1
Full Question:
Suppose General Electric paid its line workers $12 per hour in 2015 when the Consumer Price Index was 100. Suppose that deflation occurred and the aggregate price level fell to 84 in 2016. Instructions: Round your answers to two decimal places. a. GE needed to pay its workers $ in 2016 in order to keep the real wage fixed at $12. b. GE needed to pay its workers $ in 2016 if it wanted to increase the real wage by 8 percent. c. If GE kept the wage fixed at $12 per hour in 2016, in real terms, its workers got a % increase in wages.
determine the earnings per share on common stock, assuming that the income before bond interest and income tax is (a) $294,500, (b) $389,500, and (c) $484,500.
Answers
To determine the earnings per share (EPS) on common stock, we need additional information such as the number of common shares outstanding. EPS is calculated by dividing the income available to common shareholders by the weighted average number of common shares outstanding during the period.
Let's assume the number of common shares outstanding is 100,000.
(a) If the income before bond interest and income tax is $294,500:
EPS = Income available to common shareholders / Weighted average number of common shares outstanding
EPS = $294,500 / 100,000
EPS = $2.945
(b) If the income before bond interest and income tax is $389,500:
EPS = $389,500 / 100,000
EPS = $3.895
(c) If the income before bond interest and income tax is $484,500:
EPS = $484,500 / 100,000
EPS = $4.845
Please note that the actual calculation of EPS requires the weighted average number of common shares outstanding, which may vary depending on any changes in the number of shares throughout the reporting period.
To learn more about, shareholders Click here: brainly.com/question/30022241
#SPJ11
John would like to contact several trade associations, but he's not sure where to look for information. What is the most efficient way for John to find the
information he wants?
A. Search the D&B Database.
B. Contact the SBA.
C. Ask a librarian.
D. Check out hoovers.com.
Answers
The most efficient way for John to find information about trade associations would be to search the A. D&B Database.
How can John find information on trade associations ?The D&B (Dun & Bradstreet) database is a comprehensive business database that includes information on millions of companies, including trade associations. John can search for trade associations using keywords or industry codes to find the information he needs.
Both the D&B Database and hoovers.com are reliable sources of business information and can help John efficiently locate the trade associations he's interested in.
Find out more on trade associations at https://brainly.com/question/14202482
#SPJ1
A seller put her house and lot on the market for $200,000. After receiving several offers within $5,000 of her asking price, the seller entered into a contract to sell the house and lot to a buyer for $200,000. The contract provided that the buyer put up $4,000 in earnest money, which the seller could treat as liquidated damages unless: The seller fails to tender marketable title to the buyer by the agreed-upon closing date, the seller commits a material breach of this contract, or the buyer dies prior to the closing date, in which case the earnest money shall be reimbursed to the buyer's estate. The contract was signed on July 24, and the closing date was set for September 12. On August 5, the buyer was seriously injured in an accident. On September 10, the buyer was released from the hospital in a wheelchair. He determined that a ranch-style house would make his life much more bearable, but the seller's home was two stories. The buyer asked the seller to cancel the contract and to refund the $4,000 earnest money. The seller refused. The buyer did not appear on the closing date. On September 16, the seller contracted to sell the home to a purchaser for $198,000. The closing occurred as planned on October 20. The buyer files suit against the seller, praying for a refund of the $4,000 earnest money. How much is the buyer likely to recover
Answers
Answer:
$0
Explanation:
Both the buyer and seller agreed upon the amount that would be deposited as earnest money and what would happen to it in case the sale wasn't closed. The amount is not unreasonably large compared to the purchase price (2% only) and that represents a fair amount for the damages suffered by the seller. The seller is not responsible for the things that happened to the buyer.
In 2004, Microsoft Corporation started giving employees stock that cannot be sold for a specified period of time. This is a type of restricted stock.
Answers
SOMEONE HELP ME PLEASE
Which sentence describes a cooperative organization?
Cohen and his friends work in a cooperative organization.
They own and control the functions of the organization.
Their sole motive is to gain profit.
They can trade their stocks in the financial market.
Answers
The statement "They own and control the functions of the organization" best describes a cooperative organization.
A cooperative is when two or more people come together to form an organization or form a business that is democratically run and managed by them alone. This means that it is a united effort by the individuals involved to run a business.
Cooperatives may vary according to the needs and wants of the individuals. But at the same time, the rules and other policies can also be changed to suit the need of the members.Cooperatives represent a much better form of unity and accomplishments, especially for lesser known individuals or less powerful members of the society.Such individuals may be farmers, workers, individual producers, etc. who would unitedly work to accomplish common goals and beliefs.Thus, the correct answer is the second option.A cooperative organization, in short, can be best stated as the unified union or gathering of various individuals with different expertise or dreams with the aim to achieve success. They share the responsibilities among themselves and also control the functions of the organizations equally.
Learn more about cooperative work here:
brainly.com/question/9215587
'Cooperative Organization' is characterized as the 'organization that is either partially or wholly owned and regulated by its employees, customers, or tenants.'
The sentence that appropriately describes such an organization would be:
B). They own and control the functions of the organization.
In a cooperative organization,
The people willingly come forward to accomplish their common needs including various economic, communal, and cultural needs. To serve these purposes, these people collectively own an enterprise/company whose goods and services are used by them only. Each member carries equal power and rights in such an organization Agriculture, utilities, Insurance, Healthcare, etc. are some of the illustrations of such organizations.Learn more about 'Cooperative organization' here:
brainly.com/question/11255333
***ECONOMICS***
I’ll give a brainliest !
Economists calculate the trade-weighted value of the U.S. dollar by:
O A. examining the confidence global investors have in the dollar as a
reserve currency.
B. analyzing the decline in the dollar's purchasing power over time
due to inflation.
c. comparing the value of the dollar to currencies used by major U.S.
trading partners.
D. subtracting the market value of the U.S. dollar from the market
value of gold.
Answers
Aria Acoustics, Incorporated (AAI), projects unit sales for a new 7-octave voice emulation implant as follows: Year Unit Sales 1 72,600 2 78,000 3 83,000 80,900 67,100 Production of the implants will require $1,420,000 in net working capital to start and additional net working capital investments each year equal to 15 percent of the projected sales increase for the following year. Total fixed costs are $3,500,000 per year, variable production costs are $137 per unit, and the units are priced at $319 each. The equipment needed to begin production has an installed cost of $17,900,000. Because the implants are intended for professional singers, this equipment is considered industrial machinery and thus qualifies as 7-year MACRS property. In five years, this equipment can be sold for about 20 percent of its acquisition cost. The tax rate is 22 percent and the required return is 16 percent. (MACRS schedule) a. What is the NPV of the project? (Do nět round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) b. What is the IRR of the project? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places,
Answers
By calculating the NPV and IRR based on the cash flows and the required return rate of 16%, we can determine the financial feasibility of the project.
To calculate the NPV and IRR of the project, we need to determine the cash flows associated with the project and discount them to their present values.
Here is a breakdown of the cash flows:
Year 0:
Initial investment:
Equipment cost: $17,900,000
Net working capital: $1,420,000
Year 1:
Sales revenue: 72,600 units * $319 = $23,160,600
Variable costs: 72,600 units * $137 = $9,955,200
Fixed costs: $3,500,000
Net working capital investment: 15% * (78,000 - 72,600) * $319 = $255,150
Years 2-4:
Sales revenue: Unit sales * $319
Variable costs: Unit sales * $137
Fixed costs: $3,500,000
Net working capital investment: 15% * (next year's unit sales increase) * $319
Year 5:
Sales revenue: 67,100 units * $319 = $21,422,900
Variable costs: 67,100 units * $137 = $9,199,700
Fixed costs: $3,500,000
Net working capital investment: 15% * (83,000 - 80,900) * $319 = $201,135
Year 5 (end of year):
Equipment sale: 20% * $17,900,000
Now, we can calculate the NPV and IRR using the given information:
investment:
Equipment cost: $17,900,000
Net working capital: $1,420,000
Year 1:
Sales revenue: 72,600 units * $319 = $23,160,600
Variable costs: 72,600 units * $137 = $9,955,200
Fixed costs: $3,500,000
Net working capital investment: 15% * (78,000 - 72,600) * $319 = $255,150
Years 2-4:
Sales revenue: Unit sales * $319
Variable costs: Unit sales * $137
Fixed costs: $3,500,000
Net working capital investment: 15% * (next year's unit sales increase) * $319
Year 5:
Sales revenue: 67,100 units * $319 = $21,422,900
Variable costs: 67,100 units * $137 = $9,199,700
Fixed costs: $3,500,000
Net working capital investment: 15% * (83,000 - 80,900) * $319 = $201,135
Year 5 (end of y
NPV = Sum of present values of cash flows - Initial investment
IRR = Rate at which NPV equals zero
By calculating the NPV and IRR based on the cash flows and the required return rate of 16%, we can determine the financial feasibility of the project. Unfortunately, the specific cash flows for years 2-4 are not provided, so I am unable to provide a precise NPV or IRR.
to learn more about financial feasibility.
https://brainly.com/question/32181671
#SPJ11
Your new health insurance has a $4000 deductible. What does that mean?
Answers
What are the overall goal(s) for the Food Dye Project? (Select all that apply.) Quantify the amount of each FD\&C food dye present in an assigned drink. Build a parallel dilution set from the assigned drink. Determine the serving size of an assigned drink. Identify the FD\&C food dyes present in an assigned drink.
Answers
The overall goals of the Food Dye Project include quantifying the amount of each FD&C food dye present in an assigned drink, identifying the FD&C food dyes present in the drink, and building a parallel dilution set from the assigned drink. However, determining the serving size of the assigned drink is not explicitly mentioned as one of the goals.
The Food Dye Project aims to analyze and assess the presence of FD&C food dyes in an assigned drink. One of the goals is to quantify the amount of each FD&C food dye present in the drink. This involves measuring and determining the concentrations of different food dyes, allowing for an accurate understanding of their quantities.
Another goal is to identify the specific FD&C food dyes that are present in the assigned drink. This entails conducting tests or experiments to detect and differentiate between various food dyes, enabling the project to determine which specific color additives are used in the drink.
Additionally, the project aims to build a parallel dilution set from the assigned drink. This involves creating a series of diluted samples that mirror the concentration range found in the original drink. These dilutions are useful for calibration purposes, comparison, or further experimentation.
However, the goal of determining the serving size of the assigned drink is not explicitly mentioned. Serving size determination typically involves measuring the volume or weight of a specific portion of the drink to establish the standard portion size. While serving size information can be relevant for nutritional analysis, it may not be the primary focus of the Food Dye Project.
Learn more about goals here: brainly.com/question/31938446
#SPJ11
stewart county school district is about to raise funds for a new school through a bond issue. the plan is to raise $3,475,000 with a 3.15% coupon, 12-year bond. the underwriter indicates the bonds will be sold at a price of $100.65 per $100. the yield to maturity on the bond is:
Answers
The calculated yield to maturity is approximately -0.9643 or -96.43%.
To calculate the yield to maturity (YTM) on a bond, we need to consider the coupon rate, bond price, and the bond's remaining term.
Given:
Face Value of the Bond (FV) = $100Coupon Rate = 3.15%Bond Price = $100.65Remaining Term = 12 yearsTo calculate the yield to maturity, we can use financial functions or approximation methods. Here, we'll use an approximation method:
Step 1: Calculate the annual coupon payment:
Coupon Payment = Coupon Rate * Face ValueCoupon Payment = 3.15% * $100Coupon Payment = $3.15Step 2: Calculate the total cash inflow from the bond over its remaining term:
Total Cash Inflow = (Annual Coupon Payment * Number of Years) + Face ValueTotal Cash Inflow = ($3.15 * 12) + $100Total Cash Inflow = $37.80 + $100Total Cash Inflow = $137.80Step 3: Calculate the yield to maturity using the bond price and total cash inflow:
\(YTM = (Total Cash Inflow / Bond Price) ^{ (1 / Remaining Years) - 1\)\(YTM = ($137.80 / $100.65) ^ {(1 / 12) - 1\)\(YTM = 1.3708 ^ {(1 / 12) - 1\)YTM = 0.0357 - 1YTM = -0.9643The calculated yield to maturity is approximately -0.9643 or -96.43%.
Learn more about yield to maturity:-
https://brainly.com/question/457082
#SPJ4
which of the following statements most accurately describes the review process for grant proposals? applicants who submit grant proposals are informed in advance as to who will review their proposals. once one federal agency has approved a grant proposal, the other agencies do not need to review it. the peer review process is the same across all federal agencies. funding agencies usually have committees, often with external reviewers, that assess the quality of the proposal.
Answers
Funding agencies usually have committees, often with external reviewers, that assess the quality of the proposal.
A funding agency is any external, public or private body that signs a contract with the university to finance research or a business venture. How funds may be spent, what deliverables are expected, and which reports are necessary are frequently determined by the funding source.
Retained earnings are one of the funding sources.
debt funding.
Equity financing
The National Institutes of Health, the National Science Foundation, the Department of Energy, among 26 other U.S. government departments are only a few of the organizations that are listed on Grants.gov as the most significant public supporters of research in...
Sources of Funding Worldwide in General
Federal Business Opportunities. National Science Foundation. Fulbright Program. GuideStar. Bill and Melinda Gates Foundation. National Endowment for the Arts. USAID. Grants.gov.
Learn more about National Science Foundation here:
https://brainly.com/question/28234631
#SPJ4
What's your annual income if you're unemployed?
Answers
$46,819
Unemployed Salary
Annual Salary Hourly Wage
Top Earners $57,500 $28
75th Percentile $57,500 $28
Average $46,819 $23
25th Percentile $32,000 $15
For a firm, organizational resources are unnecessary to transform data into knowledge.
a. true b. false
Answers
The statement "For a firm, organizational resources are unnecessary to transform data into knowledge" is FALSE.
Knowledge management is the process of obtaining, organizing, storing, distributing, and evaluating information. The management of knowledge in an organization is becoming increasingly essential. Knowledge is an essential resource in today's world, and its significance is growing.
To evaluate information is to analyze information from a critical perspective. We also need to consider the relationships among different sources and how they work together to form “conversations” of diverse perspectives surrounding a particular research question.
Data on its own is raw and unprocessed information. In order to extract meaningful insights and generate knowledge from the data, firms require various organizational resources. These resources can include advanced technology and tools for data collection, storage, and analysis, as well as skilled personnel such as data scientists and analysts who can interpret the data effectively.
Organizational resources play a crucial role in transforming data into knowledge by providing the necessary infrastructure, expertise, and capabilities to process, analyze, and interpret the data. This enables the firm to gain valuable insights, make informed decisions, and generate knowledge that can be utilized for various purposes, such as improving operations, identifying market trends, or developing new products and services.
The transformation of data into knowledge necessitates organizational resources. This procedure cannot be completed without the requisite resources. Hence, for a firm, organizational resources are necessary to transform data into knowledge. Thus, the correct option is option b. False.
Know more about evaluating information here:
https://brainly.com/question/14237508
#SPJ11
Which of the following categories on the quality spectrum is the lowest quality that is still GAAP compliant?
a.
GAAP compliant but biased accounting.
b.
GAAP compliant but earnings management exists.
c.
GAAP compliant, relevant and faithful representation but questionable sustainability, low earnings quality.
d.
GAAP compliant, relevant and faithful representation, sustainable, enables adequate returns.
Answers
The lowest quality category on the quality spectrum that is still GAAP (Generally Accepted Accounting Principles) compliant is option C. GAAP compliant but earnings management exists. The correct option is C.
GAAP (Generally Accepted Accounting Principles) is a set of standard accounting rules and guidelines used in the United States to ensure consistency and transparency in financial reporting.
While GAAP compliance ensures that financial statements are prepared in accordance with these standards, it does not guarantee the absence of any bias or manipulation.
Option b suggests that although the financial statements are prepared in compliance with GAAP, there is still the presence of earnings management.
Earnings management refers to the intentional manipulation of financial results to meet certain targets or objectives. This can involve techniques such as aggressive revenue recognition or expense deferral.
While GAAP-compliant, the existence of earnings management raises concerns about the reliability and accuracy of the financial information presented. It suggests that the financial statements may not provide a true and fair representation of the company's financial position and performance.
It's important to note that options a, c, and d also mention GAAP compliance, but they provide additional information about the quality of the financial information.
Option a suggests biased accounting, option c refers to questionable sustainability and low earnings quality, and option d indicates sustainability and adequate returns.
These options imply higher quality in terms of relevance, faithful representation, and sustainability compared to option b.
In summary, while all options mentioned are GAAP compliant, option b, GAAP compliant but earnings management exists, represents the lowest quality category on the quality spectrum.
To learn more about Generally Accepted Accounting Principles click here:
https://brainly.com/question/28345482#
#SPJ11
Question 2(Multiple Choice Worth 5 points)
(02.06 MC)
In general, what kind of people earn the most money?
O People with skills that are in high demand and high in supply
O People with skills that are in high demand but low in supply
O People with skills that are in low demand and low in supply
People with skills that are in low demand but high in supply
Answers
They earn the most money since skills also follow the law of supply and demand, so consumers are willing to pay more due to low supply
Last year the Digby company increased their equity. In 2020 their equity was $49,360. Last year (2021) it increased to $52,690. What are the causes of change in equity? Check all that apply.
Profits of $11,940
Depreciation of -$41,287
Issue and retirement of stock .
A bond issue of$1,279.
Dividend payment of$7,057.
Change in inventory of-$5,673.
An accounts payable change of$1,110.
A change in short term debt of-$4,032.
A change of plant and equipment of$9,580.
A change in cash of $1,828.
Plant Improvements of $9,580
Answers
The change in equity from $49,360 in 2020 to $52,690 in 2021 can be attributed to several factors.
Firstly, the increase in equity could be due to the company's profits or revenues. If the company has made a profit in 2021, it would have added to its retained earnings, which would, in turn, increase its equity.
Secondly, the company may have issued new shares or raised additional capital, which would increase its equity.
Thirdly, the company may have revalued its assets, resulting in an increase in the value of its equity. Lastly, the company may have reduced its liabilities, resulting in an increase in equity.
From the given options, the change in equity could have been caused by a change in inventory of -$5,673, and a change of plant and equipment of $9,580. A decrease in inventory would increase the company's equity, while an increase in plant and equipment would also increase the value of the company's assets, resulting in an increase in equity.
However, plant improvements of $9,580 would not directly impact the equity as they would be accounted for as expenses in the income statement.
Overall, there could be several factors that have caused the change in equity for the Digby company, but more information would be required to accurately determine the exact reasons behind the increase.
For more such questions on, equity :
https://brainly.com/question/30894716
#SPJ11
Based on the given information, the causes of change in equity are: Profits of $11,940: This would increase equity since profits are added to the company's retained earnings.Issue and retirement of stock: Depending on the specific details, this could increase or decrease equity.
If the company issued new stock, equity would increase, but if they retired stock, equity would decrease.A bond issue of $1,279: This would increase equity since the company received cash from issuing the bond. Dividend payment of $7,057: This would decrease equity since the company paid out cash to shareholders.Plant Improvements of $9,580: This would not directly impact equity, but it would be reflected in the company's property, plant, and equipment account.The following items would impact the company's income statement or balance sheet accounts, but would not directly impact equity: Depreciation of -$41,287
Change in inventory of -$5,673
An accounts payable change of $1,110
A change in short term debt of -$4,032
A change in cash of $1,828.
Learn more about earnings here
https://brainly.com/question/30074795
#SPJ11
Your roommate is having trouble grasping how monetary policy works. Which of the following explanations could you use to correctly describe the mechanism by which the Fed can affect the economy through monetary policy? Increasing the money supply causes people to spend more because they know prices will rise in the future. lowers the interest rate, raises the value of the dollar, lowers the prices of exports, and raises net exports. lowers the interest rate, and firms increase investment spending. O raises the interest rate and consumers decrease spending on durable goods.
Answers
Monetary policy refers to the actions taken by the central bank, in the United States' case, the Federal Reserve, to influence the supply and cost of money in the economy.
The Fed can use monetary policy to affect the economy in a variety of ways. One common approach is to adjust the interest rates at which banks can borrow money from the Fed.
When the Fed lowers the interest rate, banks can borrow more money at a lower cost. This, in turn, can stimulate economic activity by making it cheaper for consumers and businesses to borrow money.
In addition to affecting interest rates, monetary policy can also impact the overall supply of money in the economy. When the Fed increases the money supply, people have more money to spend. This can lead to increased spending and investment, which can have a positive impact on the economy. Conversely, when the Fed decreases the money supply, people have less money to spend, which can slow down economic activity.
The second explanation provided, which involves lowering the interest rate, can also have a significant impact on the economy. Lowering interest rates can increase investment spending by firms, which can lead to job creation and economic growth. Additionally, it can also raise the value of the dollar, lower the prices of exports, and raise net exports, which can help to boost economic activity.
Overall, monetary policy is an important tool that the Federal Reserve can use to influence the economy. By adjusting interest rates and the money supply, the Fed can impact consumer and business behavior, which can have a significant impact on economic growth and stability.
To learn more about monetary policy: https://brainly.com/question/28199887
#SPJ11
You were recently hired as the manager of a chain of jewelry stores that are located in downtown Chicago. You are excited about the high level of autonomy that you have been given lu run the stores but are nervous because you've heard rumors that the previous manager was let go because the return on investment (ROI) of the stores was unacceptable. What steps should you consider to improve ROI?
Answers
The manager of a chain of jewelry stores that are located in downtown Chicago should increase sales and income or raise prices are two strategies for boosting return on investments.
The net profit (or loss) from an investment is divided by the cost of the investment to calculate the return on investment. You can compare the efficiency or profitability of different investment options since it is expressed as a percentage.
High market share results in economies of scale, market strength, and greater access to talent and management of high caliber. This can boost your ROI since high-performing managers are frequently effective in capturing sizable marketplaces.
Your return will be increased if you can raise sales and revenues while maintaining current expenses, or if you can raise costs while maintaining current net profits.
To learn more about Return on Investment
https://brainly.com/question/16084702
#SPJ4
Which product costing system would better account for a unique product?
A. Overhead costing system
B. Product costing system
C. Job costing system
D. Process costing system
Answers
For a unique product, the job costing system would be the best product costing system to use. (Option C).
What is Job Costing System?The job costing system is used to track the costs associated with the production of a specific job, typically a custom or unique product. This system allows for the tracking of all direct costs (e.g., materials and labor) and indirect costs (e.g., overhead) associated with a specific job. By doing so, the job costing system can provide accurate and detailed cost information for each unique product.
On the other hand, the overhead costing system, product costing system, and process costing system are more commonly used for standard or mass-produced products, where the cost of each unit is generally the same. While these systems can provide useful cost information, they may not be able to capture the unique costs associated with a one-of-a-kind product.
Learn more about job costing system here: https://brainly.com/question/24516871
#SPJ1
hello , What are three common tools for qualitative research in business and marketing?
Answers
Answer:
they would be in-depth interviews, focus group discussions and observation over data
Explanation:
Hope this helps, please rate and mark as brainlest :)
Determine how the transaction changes the accounting equation. The company paid cash for supplies from The Office Store. a. Assets - decrease; Assets – increase b. Assets - decrease; Liabilities – decrease c. Assets - decrease; Owner's Equity – decrease Selected: d. Assets - increase; Liabilities – increaseThis answer is incorrect. e. Assets - increase; Owner's Equity – increase f. Liabilities - decrease; Owner's Equity – increase g. Liabilities - increase; Owner's Equity - decrease
Answers
Answer:
idk
Explanation:
when consumed, many goods and services have an impact on other people not using the product. Which word describes this impact ?
A. appreciation
B. depreciation
C. externality
D. inflation
Answers
Answer:
Explanation:
depreciation
When consumed, many goods and services have an impact on other people not using the product. Depreciation word describes this impact. The correct option is B.
What does it mean to deprecate a product?Application developers who have already subscribed to a product may still use it after it is deprecated, but no new developers may do so. We disapprove of this use of company funds for political activities. to say that you disapprove of something.
In order to maintain backward compatibility and give programmers time to bring affected code into compliance with the new standard, features are deprecated rather than immediately removed. The following are some of the primary causes of depreciation: A more potent substitute feature has taken the place of the former feature.
Thus, the ideal selection is option B.
Learn more about deprecating a product here:
https://brainly.com/question/4591900
#SPJ2
would you advise nelson and james to refocus the company on developing the software suites? justify your decision.
Answers
Nelson and James should assess factors such as market demand, competition, and available resources to determine if refocusing on software suites aligns with their business goals.
James and Nelson make a well-informed choice. To decide whether the emphasis on software suites is in line with their company objectives, they should take into account elements including market demand, competition, and the resources at their disposal.
To be certain that the refocusing will result in long-term profitability and development, they need also assess their present business strategy, key capabilities, and long-term vision. In the end, the choice to refocus the business should be driven by a careful examination of the market, industry developments, and internal resources.
Learn more about market demand:
https://brainly.com/question/28789753
#SPJ4
4. In your progress report, you want the Work Completed section to follow your
Summary of Costs. To date, the company has rewritten the home page content,
created a new logo, and updated the overall structure of the site. Currently, an idea
for site navigation has been proposed but not yet confirmed. You want to include a
visual of the navigation option in the progress report.
a. The navigation option includes these links from the Home Page: About, Services,
Customer Reviews, and Contact. The About section would include links to History
and Our Mission; the Services section would also include links to Pricing, Scope, and
Timeline. Show an example of a simple, custom graphic to display the navigation. (3
points)
Answers
Links to About, Services, Customer Reviews, and Contact are included in the suggested navigation option, along with dropdown menus for About (History and Our Purpose) and Services (Pricing, Scope, and Timeline).
What type of bar chart is most popular?When showing a sequence of statistics over time, it is highly helpful. If long labels are needed, vertical bar graphs have the drawback of not leaving much room at the bottom of the chart.
Which bar charts are frequently employed to display time series data?Using a sequence of bars, time series bar charts can display changes in a metric over time. This allows you to plot several series, display the breakdown of a metric across dimensions, and display the evolution of the values over time.
To know more about Customer Reviews visit:-
https://brainly.com/question/22442484
#SPJ1