In the National Flood Insurance Program (NFIP) dwelling form, coverage on building property (Coverage A) applies to C. the dwelling described on the declarations page.
In simple words, the coverage provided in Coverage A is only applicable to the specific dwelling mentioned in the declarations page of the insurance policy.The National Flood Insurance Program (NFIP) was established by the U.S. Congress in 1968, which is aimed at providing a cost-effective way of protecting properties from flood damage in the United States. It is mandatory for homeowners who have federally-backed mortgages and live in high-risk flood areas to carry flood insurance provided by the NFIP.
The program is administered by the Federal Emergency Management Agency (FEMA). A dwelling form is a type of insurance policy form which is used to provide coverage for residential buildings and the contents inside them. Coverage A is the section of a dwelling form which provides coverage for building property. It covers the cost of repairing or rebuilding the dwelling in case of damage caused by a flood or other natural disasters. Therefore, the Coverage A only applies to the specific dwelling mentioned in the declarations page of the insurance policy, so the correct answer is C. the dwelling described on the declarations page.
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4. What difference does it make if the United States is viewed as a
land of victims or a land of opportunities?
Answer:
America is known as the land of opportunity, where one could achieve anything they put their mind to, no matter who they are. Thousands of people immigrate to the United States every year from different parts of the world to have access to these kinds of opportunities. This is what is known as "the American dream".
Explanation:
identify how various health care stakeholders define quality
In the context of healthcare, quality can be defined as the degree to which health services meet the expectations and needs of patients, providers, and other stakeholders. The definition of quality is often influenced by various healthcare stakeholders such as patients, providers, payers, regulatory agencies, and policymakers.
Patients: Patients usually define quality in terms of their experience, outcomes, and access to care. For patients, quality healthcare means receiving care that is timely, safe, effective, efficient, patient-centered, and equitable. Providers: Providers define quality in terms of their ability to deliver evidence-based care that is consistent with current best practices. For providers, quality healthcare means using the latest technologies, adhering to best clinical practices, and providing care that is efficient, effective, and patient-centered.
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You are going to value Lauryn's Doll Co. using the FCF model. After consulting various sources, you find that Lauryn's has a reported equity beta of 1.4, a debt-to-equity ratio of 0.3, and a tax rate of 30 percent. Assume a risk-free rate of 4 percent and a market risk premium of 7 percent. Lauryn's Doll Co. had EBIT last year of $40 million, which is net of a depreciation expense of $4 million. In addition, Lauryn's made $5 million in capital expenditures and increased net working capital by $3 million. Assume the FCF is expected to grow at a rate of 3 percent into perpetulty. What is the value of the firm? (Do not round intermediate calculations. Enter your answer in millions rounded to 2 decimal places.)
To value Lauryn's Doll Co. using the FCF model, we need to calculate the free cash flow (FCF) and discount it to find the firm's value.
First, let's calculate the FCF:
1. Calculate the earnings before interest and taxes (EBIT) by adding back the depreciation expense: EBIT = $40 million + $4 million = $44 million.
2. Calculate the taxes by multiplying the EBIT by the tax rate: Taxes = $44 million * 0.3 = $13.2 million.
3. Calculate the net operating profit after taxes (NOPAT) by subtracting the taxes from the EBIT: NOPAT = $44 million - $13.2 million = $30.8 million.
4. Calculate the net working capital (NWC) by subtracting the increase in net working capital from the capital expenditures: NWC = $3 million - $5 million = -$2 million.
5. Calculate the FCF by adding the NOPAT and the net change in working capital: FCF = $30.8 million + (-$2 million) = $28.8 million.
Next, let's calculate the discount rate:
1. Calculate the cost of equity using the equity beta, risk-free rate, and market risk premium:
Cost of equity = Risk-free rate + (Equity beta * Market risk premium)
Cost of equity = 4% + (1.4 * 7%) = 4% + 9.8% = 13.8%.
2. Calculate the cost of debt using the debt-to-equity ratio and the cost of equity:
Cost of debt = Cost of equity * (1 - Tax rate) * Debt-to-equity ratio
Cost of debt = 13.8% * (1 - 0.3) * 0.3 = 13.8% * 0.7 * 0.3 = 2.754%.
3. Calculate the weighted average cost of capital (WACC) using the cost of equity and the cost of debt:
WACC = (Equity / Total capital) * Cost of equity + (Debt / Total capital) * Cost of debt
WACC = (1 - 0.3) * 13.8% + 0.3 * 2.754% = 9.66% + 0.8262% = 10.4862%.
Finally, let's calculate the value of the firm:
1. Divide the FCF by the WACC to get the value of the firm: Firm value = $28.8 million / 10.4862% = $275.04 million.
Therefore, the value of Lauryn's Doll Co. is $275.04 million.
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List 4 stakeholders
Answer:
Employees,Governments,Local communities,customer
Which of the following is not a form of business combination?: (A) Acquisition. (B) S Corporation. (C) Conglomerate. (D) Merger.
Answer:
b.corporation is answerone can lose his home if he does not repay his home equity line of credit. true or false
True. If a person takes out a home equity line of credit (HELOC), they are borrowing against the equity they have in their home.
This means that the home serves as collateral for the loan. If the borrower fails to make the required payments on the HELOC, the lender has the right to foreclose on the home and sell it to recover their money. It is important for borrowers to understand the terms and conditions of a HELOC and make sure they can afford the payments before taking one out. Defaulting on a HELOC can have serious consequences, including the loss of one's home. It is always recommended to speak with a financial advisor or mortgage specialist before taking out any type of loan.
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A Stove Can be bought on hire purchase by making a deposit of $750
and 15 monthly installments of $185 each. Calculate the hire Purchase
Price of the stove
Answer:
$3,525.00
Explanation:
The hire purchase price will be the sum of the deposit and the total monthly installments.
The deposit is $750
Monthly installments =monthly fee multiplied by 15 months
=$185 x 15
=$2,775.00
Hire purchase cost will be
=$2,775.00 +$750
=$3,525.00
Blank are things you can see and touch, they are products that you can purchase to meet needs and wants
Answer:
goods (like foods or necessities)
Explanation:
is a short-term investment that is considered highly liquid.
a. stock
b. bond
c. cash equivalent
d. mutual fund
Answer:
c. cash equivalent
Explanation:
highly liquid means can be made into cash quickly
Cash equivalent examples are money market funds Treasury bills. Treasury notes. Commercial paper.
in 2008 a problem with money market funds signaled a banking crisis. banks were giving mortgages to people with bad credit histories. on top of that those mortgages were insured so if someone couldn't pay the mortgage the insurers would pay. but at that time there were too many people who couldn't pay mortgages
a. stock is a share of ownership in a company. can't make it into cash unless you sell it.
d. mutual fund : basically a stock of stocks. company gathers money to buy a bunch of different stocks. whole thing is called a portfolio. company sells stocks of that portfolio. those stocks are mutual funds.
b. a bond is basically a loan. bond lasts for a period of time. can't sell it until that period is over. otherwise there is a penalty.
.
hedge funds : the words hedge in hedge means to reduce risk. they make it for people with more money. it combines risky, non risky, long term, & short term investments to hedge or reduce risk.
New batteries are needed to power our electronic devices—our cell phones, tablets, and computers—and that market is exploding. Researchers are developing lithium-ion batteries that will be vital to clean-energy and automobile manufacturing and could open up huge new markets. Currently, the domestic production accounts for about 12 percent of the world's production. The country has a domestic supply of raw materials, but production is limited and prices remain high compared to imported batteries.
The government could invest in technology and research.
The government could purchase domestic batteries exclusively.
The government could impose heavy tariffs on all imported batteries.
The government could ban imported batteries.
Answer:
The government could impose heavy tariffs on all imported batteries.
Explanation:
Import tariffs are taxes imposed on imported commodities. Should the government impose heavy tariffs on the imported batteries, their prices in the domestic market will go up.
One of the objectives of a tariff is to protect locally produced goods from unfair competition by low-priced imports. The imposed tax become a cost to the imported batteries, which will make them more expensive. The locally produced batteries will compete favorably with the imports. The domestic industry will grow since it has raw materials and a market to sell its products.
The account holder of a checking account is referred to as the _________ on a written check.
a. Payee
b. Drawee
c. Drawer
d. Authorized user
Which is not one of the main sections of a resume?
A. contact information
B. salary requirement
C. education
D. work experience
Answer:
B. salary requirement
Explanation:
Salary is typically posted in the job description or negotiated by the employer/employee as part of the hiring process
what is the walmart employee discount?
You receive a 10% discount on normally priced general products and fresh produce as a Walmart associate.
A rebate-style discount is one where the customer must specifically request it and is given after the point of sale. Typically, this application is accompanied by proof of purchase, such as a sales receipt or the bar code on a box containing an item. A discount, whether expressed in terms of money or as a percentage, is a reduction in the regular selling price of a good or service. In fixed-income trading, a discount occurs when the price of a bond trades below its par value, also known as face value. Bonds may sell at a discount for a variety of reasons, including rising interest rates or the issuer's financial difficulties.
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Suppose that the government imposes a tax on heating oil. The deadweight loss from a tax on heating oil is likely to be in the fifth year after it is imposed than in the first year. The tax revenue collected from a tax on heating oil is likely to be in the fifth year after it is imposed than in the first year.
The deadweight loss from a tax on heating oil is likely to be greater in the fifth year after it is imposed compared to the first year. Conversely, the tax revenue collected from the tax on heating oil is likely to be higher in the first year compared to the fifth year.
When a tax is imposed on heating oil, it typically leads to changes in consumer behavior and market dynamics. In the first year of the tax, the impact on consumer behavior and market adjustments may not be fully realized, resulting in a relatively smaller deadweight loss. However, as time passes, consumers and producers may adjust their consumption and production patterns, resulting in a larger deadweight loss in the fifth year. The deadweight loss represents the loss of economic efficiency due to the tax, as it reduces consumer surplus and distorts market outcomes.
In terms of tax revenue, it is likely to be higher in the first year compared to the fifth year. In the initial stages of the tax, the tax base is larger as there is a higher quantity of heating oil being consumed. However, over time, as consumers may reduce their consumption due to the tax, the tax base decreases, leading to a decline in tax revenue collected in the fifth year compared to the first year. Overall, the deadweight loss from the tax is expected to increase over time, while the tax revenue collected tends to decrease as the tax base diminishes.
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Which speaker is most likely to make high-risk investments?
Speaker A: I want to invest in a lot of different companies. You never know when a company is going to have a surprisingly good or bad year.
Speaker B: I invest to get as much money as I can as quickly as I can. I'm not worried about losing money at all.
Speaker C: I'm nearing retirement, so I need to make sure my investments are safe. The worst thing that could happen would be losing all of my investments right before I need them.
Speaker D: I'm concerned that investment is always risky. I prefeito hold onto my money instead of investing it in companies or banks.
A. Speaker D
B. Speaker B
C. Speaker C
D. Speaker A
Answer: Speaker A
Explanation: Just took the quiz
The speaker that is most likely to make high-risk investments is Speaker B. Hence, Option B is correct.
What are high-risk investments?A high-risk investment is one in which there is either a large percentage chance of loss of capital or underperformance—or a relatively high chance of a devastating loss. It may offer the chance of higher returns than other investments might produce, but it also puts your money at a higher risk.
It has advantages also. Some of the major advantages are: investors can earn huge returns in a very short period of time; investors are able to purchase and sell the securities with ease; investors can earn capital gains as well as dividends on their investments; and many more.
Therefore, Option B is correct.
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You are looking to advertise your new product, and you want good mass marketing coverage and low cost per exposure. You should choose ________ as your advertising media.
A) newspaper
B) radio
C) outdoor
D) television
E) direct mail
D
You are looking to advertise your new product, and you want good mass marketing coverage and low cost per exposure. You should choose D) television as your advertising media.
In the field of business, the best way for mass marketing coverage in an affordable range is by making a television ad.
If a company wants mass advertisement for its product and wants more number of audience to see the promotion, then the best advertising media for such a case is television.
Television ads are made based on the budget of each company. When asking for advertising media to make an ad for television, the budget is discussed even if it is low cost per exposure. Based on this budget, an ad is made. Hence, the best source for advertising a product with good coverage and low cost is television.
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A 20-unit apartment building sells for $5 million. The property can bring in $400,000 in annual gross income. What is the gross income multiplier (GIM)
The gross income multiplier (GIM) is 12.5.
Gross income multiplier (GIM)Using this formula
Gross income multiplier (GIM)=Sales price/Annual gross income
Where:
Sales price=$5million
Annual gross income=$400,000
Let plug in the formula
Gross income multiplier (GIM)=$5 million/$400,000
Gross income multiplier (GIM)=12.5
Inconclusion the gross income multiplier (GIM) is 12.5.
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QUESTION 3 of 10: You have a major college football game coming to town this weekend. A good revenue manager would likely:
O a) Use minimum-stay restrictions to fill several nights
b) Increase prices
c) Both of the above
Submit
C2022 Knowledge Matters, Inc
A good revenue manager would likely use Both of the above. Option C
What are the job of a good revenue manager?A good revenue manager would likely use both minimum-stay restrictions and price increases to maximize revenue during a major college football game weekend. Minimum-stay restrictions would ensure that guests stay for a minimum number of nights, which can help to fill rooms for the entire weekend and increase revenue.
Price increases, on the other hand, would help to capture the higher demand for rooms during the event and increase revenue per room. By using both strategies together, a revenue manager can effectively optimize revenue during a major event weekend.
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Randy produces rubber gaskets for model airplane engines, and his strategy focuses on being the lowest cost provider for this market. what competitive strategy is randy employing?
The competitive strategy used by the Randy is Cost focus techniques.
What is Competitive Strategy?A competitive strategy refers to the strategy used by the businessman and the companies in order to earn competitive advantage over the others. It is the set of techniques and policies used by the company to improve its competitive position.
There are three types of the competitive strategy that is : Cost Leadership, Differentiation and Focus. In this Cost focus, strategy refers to the technique in which the competition is made on the basis of the lower cost to attract the customers.
Therefore, it can be concluded that Cost focus techniques are used in the above scenario.
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On July 1, 2022, Jenks Company purchased the copyright to Jackson Computer tutorials for $424,000. It is estimated that the copyright will have a useful life of 5 years and a remaining legal life of 9 years with an estimated salvage value of $24,000. The amount of Amortization Expense recognized for the year 2022 would be: ____________
Based on the cost of the copyright and the period of amortization, the amortization in 2022 will be $40,000
First find the annual amortization expense:
= (Cost of copyright - Salvage value) / Useful life
= (424,000 - 24,000) / 5
= $80,000
The amortization for 2022 will however be for 6 months as the copyright was purchased on July 1.
= 80,000 x 6/12 months
= $40,000
In conclusion, the amortization expense will be $40,000
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PLEASE HELP WILL GIVE BRAINLY!!!!
Explain how credit card companies make money on their cards. What is a credit card issuer?
Explanation:
1st question) they make money thru interest, processing fees (which is like a little tax on businesses for accepting credit) and fees charges to cardholders (some charge at ATMS for withdrawal etc).
a credit card issuer is a bank or credit union that supplies the credit card to the consumer. ex: capital one, citi, bank of america.
Elaborate on the Factor Endowments Theory. This theory is based on the Comparative Advantage reason for trade, which stems from cost.
A comparative advantage exists when the possible value of specialization is lower than that of different nations. The life of comparative advantage is, in turn, suffering from things consisting of abundance, productivity, cost of exertions, land, and capital.
Comparative gain refers back to the capacity to produce goods and services at a decreased opportunity value, no longer necessarily at a greater volume or quality. Comparative advantage is a key insight that trade will still arise despite the fact that one u . s . has an absolute advantage in all products.
Comparative gain is a key principle in global trade and paperwork the basis of why free change is useful to nations. The idea of comparative advantage indicates that even supposing a country enjoys an absolute advantage in the manufacturing of goods, trade can nonetheless be beneficial to each trading partner.
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if a country has a working-age population of 200 million, 135 million people with jobs, and 15 million people unemployed and seeking employment, then its labor force is: group of answer choices 150 million.
The labour force is defined as the total number of employed and unemployed people.
What is labour force?
The workforce, also known as the labour force, refers to the pool of people who are either employed or unemployed. It is most commonly used to describe those who work for a single business or corporation, but it can also refer to a geographical region such as a city, state, or country. The value of a company can be labelled as its "Workforce in Place." A country's workforce includes both employed and unemployed people (labour force). Formal labour is defined as any type of employment that's also structured as well as paid in a formal manner. Unlike the informal portion of the economy, formal labour inside a country contributes to the gross national product of that country. Informal labour is defined as work that does not fall under a formal legal or practical arrangement.
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Six sigma teams use the ________ method when improving a product or process that already exists, and the ________ method when developing a new product or process.
The complete statement is "Six sigma teams use the DMAIC method when improving a product or process that already exists, and the DMADV method when developing a new product or process." This is further explained below.
What is improving a product?Generally, The process of making significant modifications to a product in order to attract new consumers or enhance the value received by current ones is known as "product enhancement."
In conclusion, If you want to improve an existing product or process, use the DMAIC approach, and if you want to create a new one, use the DMADV method.
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nyce vineyards is evaluating the impact of climate change on its several types of grapes grown. there are several alternatives for planting multiple varietals that will ultimately determine their success. in order to select between the alternatives to find the optimal choice, nyce vineyards should use:
For planting various varieties, there are a variety of options that will ultimately determine their success. Nyce Vineyards should use: decision theory. when deciding between the options to make the best pick.
Nyce Vineyards is assessing how climate change may affect the many varieties of grapes it grows. The LaPlace Principle assumes equal probability for uncertain events. Pessimistic decision-makers, who take the most conservative strategies, adhere to this principle.
A technique for contrasting during climate change is the likelihood that something will affect a particular group with the likelihood that it will effect the entire population. Nodes come in three varieties: end nodes, decision nodes, and chance nodes. A circle-based chance node illustrates the likelihood of various outcomes.
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Imagine your co-worker has just been assigned by your company to work in the South Korea office for three months. Your co-worker will be working with team members only from the South Korea office and, knowing you have experience working with other cultures, has asked for your advice on how to prepare for this new project. Follow the steps below and write a response in a Word document to your co-worker: Conduct research on what it is like to work in South Korea. For example, how do employees in South Korea communicate in the office? How do the employees dress? Document your key findings. Compare what you found out about South Korean business culture with how business is conducted in the United States. Answer the following questions about how U.S. business typically operates versus that of South Korea: How are decisions made in the office? Who makes those decisions? Describe meeting times and their importance. How do co-workers greet each other in the office? What is the dress code? Put together a list of six to eight tips to help your co-worker be successful in this new workplace culture. Your response should be from 400 to 500 words long. Submit your completed assignment using the link below.
To succeed in the South Korean workplace, it's essential to understand their communication style, hierarchy, and dress code.
What are key aspects to consider in the South Korean workplace?South Korean business culture is characterized by a hierarchical structure and a strong emphasis on respect and formality. Decisions are typically made by senior management, and the role of teamwork is significant. Meetings are seen as important occasions for sharing information and building relationships. Co-workers greet each other with bows and use formal titles. Dress code is generally formal and conservative.
To delve deeper into South Korean workplace culture, research specific etiquette guidelines, such as proper use of titles and understanding the concept of "nunchi," which refers to the ability to read others' emotions and intentions. Additionally, learn about their work-life balance expectations and the significance of socializing outside of work to foster stronger relationships. Understanding these cultural nuances will help your co-worker navigate the workplace more effectively.
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Suppose that the nation of kerblopistan has a money supply of $1,000, a velocity of 2, and a real gdp of $40. What is the price level?.
A price index is a figure whose movement corresponds to changes in the median price level.
Here, The price level = 50.
What means price level?The price level is determined by averaging the current prices for all the goods and services produced in an economy. Price level, in a broader sense, refers to the cost or price of a good, service, or security in the market.A price index is used by economists to gauge the price environment. A price index is a figure whose movement corresponds to changes in the median price level.The cost of goods and services, as well as the purchasing power of money, are significantly influenced by price levels..money supply × velocity of money = price level × Real GDP
price level = \(\frac{money supply × velocity of money}{real GDP.}\)
= 1000 x 2 /40 =50.
the price level =- 50.
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1. In one paragraph, explain a problem that you see that you want to solve through a new business or product/service idea. 2. Describe and Draw an example of your product/ service that you will create to solve this problem. State if your idea is a service or a product.
3. Describe your customers and target market. Who are they? What are their demographics?
4.In one paragraph, describe an idea for marketing and advertising your product/ service (ie, tv commercial, radio, internet ad, billboard, etc).
SOMEONE PLEASE HELP ME WITH THIS PROJECT
Describe one downside to borrowing the maximum allowed amount of federal student loans.
The one downside to borrowing the maximum allowed amount of federal student loans is: you must repay back the loan.
What is federal student loans?Federal student loans can be defined as the loan given to college students so as to enables them pay for their tuition fees among others.
One of the disadvantage of downside of collecting this loan is that the student must repay back the loan amount given to them even if the student did not graduate from the college.
Therefore the downside of borrowing huge sum is that you must pay it back.
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round 312,5 up to rand
Answer:
313 rand
Explanation:
To round up any number, ynetraing decimal. Value is accessed if the value is less than or equal 4 , we round the value to 0 ; however, if the value is greater Than or equal to 5 ; we round up to 1 and add to the preceeding digit or value.
In this case ; 312. 5 will be rounded to 313 ;
Since th trailing digit is 5 ; we round up to 1 and add to the preceeding value ; 2 + 1 = 3
Hence, 313 rand