All of the following statements about life insurance are true, EXCEPT: Select one:
a. Whole life insurance is regarded as permanent insurance and is generally more expensive than term insurance.
b. Beneficiaries who receive benefits under life insurance policies after the insured’s death must pay income tax on the death benefits they receive.
c. Term life insurance provides temporary protection for a stated number of years, and is frequently renewable.
d. The incontestable clause states that the insurer cannot contest the policy after it has been in force for a specified time—usually two years.

Toyota is a well-known manufacturer of cars, trucks, and suvs. Toyota dealers also provide service and financing to their customers. These products and services are part of Toyota’s product mix.

Another name for a Product Mix is Product Assortment, which refers to the several products that a company offers to its customers. For instance, a company may sell multiple lines of products, with the product lines being fairly similar such as toothpaste, toothbrush, or mouthwash, and also other such toiletries.  

A product mix consists of product lines which are associated items that a consumer purchases. So, it can can also be understood as the complete set of products and services that are offered by a firm.

In essence, a product mix strategy which is successful enables a firm to focus efforts and resources on the products and product lines within its offerings that have the greatest potential for growth, market share, and revenue.

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Receiving complaints from the consumers regarding the manufacturing defects in the products sold by the company might be considered as an example of an issue that might be addressed by supply chain event management.

Supply chain management can be referred to or considered as a management wherein the functions of producing or manufacturing of goods is divided between the different groups. This is done to ensure efficiency and specialization in manufacturing functions. Moreover, it also aims at addressing the issues related to the improvements within the organizational functioning.

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Yes, decision making can be decentralized and delegated to individual managers in organizations.

Decentralization in decision making refers to the process of distributing decision-making authority and responsibility to lower levels of an organization. In a decentralized decision-making structure, individual managers or departments have the authority to make decisions within their respective areas of responsibility.

Decentralization works by empowering managers at lower levels of the organization to make decisions that are aligned with the overall objectives and strategy of the company. These managers have a better understanding of the specific issues and challenges faced in their areas of responsibility, and they can make more informed and timely decisions.

There are different levels of decentralization, ranging from limited autonomy for lower-level managers to significant decision-making authority given to multiple managers or departments. The extent of decentralization depends on various factors such as the organization's size, complexity, industry, and management philosophy.

In some cases, organizations may also adopt a participatory decision-making approach, where decisions are made by consensus with input from all co-managers or relevant stakeholders. This approach involves collaborative discussions and gathering input from various perspectives before reaching a collective decision.

The choice between decentralized decision making and consensus-based decision making depends on the organization's culture, structure, and specific circumstances. Some organizations may have a more decentralized structure, empowering managers to make decisions independently, while others may value collaboration and seek input from multiple stakeholders before making decisions.

Decision making can be decentralized and delegated to individual managers in organizations. Decentralization empowers managers at lower levels to make decisions within their areas of responsibility, taking advantage of their knowledge and expertise. In some cases, decisions may be made through consensus, involving input from all co-managers or relevant stakeholders. The choice between decentralized decision making and consensus-based decision making depends on factors such as the organization's culture, structure, and specific circumstances.

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Answer:

Variability

Explanation:

Variability expresses the notion that a service may vary in standard or quality from one provider to the next or from occasion to the next.

Based on the information provided, $3,750 of the rental cost should be allocated to the products made in January, and $11,250 should be allocated to the products made in February.

In January, the production workers provided 330 hours of labor, which is 8.25% of the total expected labor hours for the year (330/4,000 = 0.0825). Therefore, the rental cost allocated to January's products would be 8.25% of the monthly rental fee, which is $1,237.50 ($15,000 × 0.0825 = $1,237.50).

In February, the production workers provided 550 hours of labor, which is 13.75% of the total expected labor hours for the year (550/4,000 = 0.1375). Therefore, the rental cost allocated to February's products would be 13.75% of the monthly rental fee, which is $3,262.50 ($15,000 × 0.1375 = $3,262.50).

Allocating costs is an important aspect of financial management, allowing businesses to accurately determine the expenses associated with different periods or projects. In this case, Adams Manufacturing Company needs to allocate the rental cost of their manufacturing facility to the products made in January and February.

To do so, the company considers the proportion of labor hours provided by production workers in each month relative to the total expected labor hours for the year.

In the first step, we calculate the percentage of labor hours for each month by dividing the hours worked in January and February by the total expected labor hours for the year. The result is 8.25% for January and 13.75% for February.

In the second step, we allocate the rental cost to each month by multiplying the respective percentage of labor hours by the monthly rental fee. This yields $1,237.50 for January and $3,262.50 for February.

By following this approach, Adams Manufacturing Company ensures that the rental cost is distributed proportionally to the level of production activity in each month. This allows for a more accurate reflection of the costs associated with the products made during different periods, aiding in decision-making and cost analysis.

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Under the fair value method, Jensen Corporation should recognize compensation expense for the year ended December 31, 2018, equal to the fair value of the options granted on the grant date, adjusted for any forfeitures.

The fair value of the options can be determined using the Black-Scholes option pricing model, which takes into account the option price, market price of the shares, time until expiration, volatility, and risk-free interest rate. In this case, the fair value of the options granted on December 31, 2017, is €500,000, which should be recognized as compensation expense for the year ended December 31, 2018.

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Jensen Corporation should record compensation expense for the year ended December 31, 2018, equal to the fair value of the options granted on the grant date, reduced for any forfeitures. This is in accordance with the fair value method.

The Black-Scholes option pricing model, which considers the option price, market price of the shares, remaining time before expiration, volatility, and risk-free interest rate, can be used to calculate the fair value of the options. The options granted in this instance have a fair value of €500,000, which should be recorded as compensation expense for the fiscal year that ended on December 31, 2018.

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The post-closing trial balance checks that: c. The total debits equal the total credits. This ensures that the accounting equation is balanced after closing all temporary accounts, such as revenues and expenses, and transferring their balances to the retained earnings account.

This is because the post-closing trial balance is prepared after all the temporary accounts, such as revenues and expenses, have been closed out. Therefore, the only accounts that remain on the trial balance are the permanent accounts, including assets, liabilities, and equity.

The trial balance is used to ensure that all the permanent accounts have been properly recorded and that the accounting equation (assets = liabilities + equity) is in balance.

Checking that the total cash inflows equal the total cash outflows is not part of the post-closing trial balance, as cash is considered an asset and is included in the total assets on the trial balance.

Expenses and revenues are temporary accounts that are closed out at the end of the accounting period and are not included in the post-closing trial balance.

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Answer:

Sophisticated People Are More Likely To Be Scammed

Explanation:

Most scams depend on a psychological technique that’s now called social engineering. People make bad decisions when an emotion becomes so strong that the higher-level thinking parts of the brain essentially shut down. Strong feelings of fear, anger, and greed can cause people to make decisions they wouldn’t make at other times. The con artists excel in using social engineering to stimulate strong emotions.

The company's weighted average cost of capital (WACC) is approximately 11.32%.

To calculate the weighted average cost of capital (WACC), consider the different sources of capital for the company and their respective weights. In this case, the sources of capital are market value debt, preference shares, and ordinary shares.

Step 1: Calculate the weights of each source of capital.

Total market value debt = $200 million

Total market value of preference shares = 2 million shares * $20 per share = $40 million

Total market value of ordinary shares = 14 million shares * $20 per share = $280 million

Total market value of all sources of capital = $200 million + $40 million + $280 million = $520 million

Weight of debt = Market value of debt / Total market value of all sources of capital

Weight of debt = $200 million / $520 million = 0.3846 (approximately 38.46%)

Weight of preference shares = Market value of preference shares / Total market value of all sources of capital

Weight of preference shares = $40 million / $520 million = 0.0769 (approximately 7.69%)

Weight of ordinary shares = Market value of ordinary shares / Total market value of all sources of capital

Weight of ordinary shares = $280 million / $520 million = 0.5385 (approximately 53.85%)

Step 2: Calculate the cost of each source of capital.

Cost of debt:

Coupon rate = 9% (semiannual pay)

Bond price = $1,024.87

Face value = $1,000

Number of periods = 15 years * 2 (since semiannual payments) = 30 periods

We can use the following formula to calculate the cost of debt:

Cost of debt = Coupon payment / Bond price + (Face value - Bond price) / Number of periods / (Face value + Bond price) / 2

Coupon payment = Coupon rate × Face value / 2

Coupon payment = 9% × $1,000 / 2 = $45

Cost of debt = $45 / $1,024.87 + ($1,000 - $1,024.87) / 30 / ($1,000 + $1,024.87) / 2 ≈ 0.0438 (approximately 4.38%)

Cost of preference shares:

Dividend per preference share = $1.20

Market price per preference share = $20

Cost of preference shares = Dividend / Market price

Cost of preference shares = $1.20 / $20 ≈ 0.06 (approximately 6%)

Cost of ordinary shares:

Dividend in the next year = $2.20

Expected dividend growth rate = 7%

We can use the Gordon growth model to calculate the cost of ordinary shares:

Cost of ordinary shares = (Dividend / Share price) + Dividend growth rate

Cost of ordinary shares = ($2.20 / $20) + 7% ≈ 0.17 (approximately 17%)

Step 3: Calculate the weighted average cost of capital (WACC).

WACC = (Weight of debt × Cost of debt) + (Weight of preference shares × Cost of preference shares) + (Weight of ordinary shares × Cost of ordinary shares)

WACC = (0.3846 × 0.0438) + (0.0769 × 0.06) + (0.5385 × 0.17)

WACC ≈ 0.0169 + 0.0046 + 0.0917

WACC ≈ 0.1132 (approximately 11.32%)

Therefore, the company's weighted average cost of capital (WACC) is approximately 11.32%.

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The complete question goes thus:

WACC for a company: Contemporary Products Ltd currently has $200 million of market value debt outstanding. The 9 per cent coupon bonds (semiannual pay) have a maturity of 15 years, a face value of $1000 and are currently priced at $1,024.87 per bond. The company also has an issue of 2 million preference shares outstanding with a market price of $20. The preference shares offer an annual dividend of $1.20. Contemporary Products also has 14 million ordinary shares outstanding with a price of $20.00 per share. The company is expected to pay a $2.20 ordinary dividend 1 year from today, and that dividend is expected to increase by 7 per cent per year forever. If the corporate tax rate is 40 per cent, then what is the company’s weighted average cost of capital?

A lean supplier partnership has the following qualities, among others: n Continuous improvement: A key feature of lean supplier partnerships is a commitment to ongoing development.

The use of just-in-time (JIT) delivery, which entails delivering materials or goods to the client precisely when they are needed, in the required amount and quality, and without any delay or extra inventory, is a trait of a lean supplier partnership. JIT delivery contributes to waste reduction, increased productivity, and cost savings for both the supplier and the consumer. In a lean supplier relationship, the supplier and the customer work together to identify and eliminate waste, enhance the entire value stream, and put an emphasis on continuous improvement. The intention is to establish a partnership that will benefit both parties in the long run.

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The ratio of outputs to inputs during a certain time period is used to determine productivity.

A typical definition of productivity is the ratio of input volume to output volume. In other respects, it assesses how effectively an economy uses labor and capital as production inputs to create a particular amount of output.

Organizations can detect performance gaps by starting with performance benchmarking. You may compare prior results to current standards and continually update the standard for better performance by tracking metrics and KPIs inside your company.

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Answer:

If a law enforcement officer if directing traffic where there are traffic lights, OBEY the officer – not the signals. You must yield the right-of-way to all other traffic and pedestrians at stop signs. Move forward only when the road is clear. At four-way signs, the first vehicle to stop should move forward first.

The very first action we do is stop at the junction as if it were a red light and waiting for police to notify you when it is safe to go.

Explanation:

If a police officer directs traffic in an area with traffic signals, respect the officer rather than the signals. At stop signs, you must surrender the right-of-way to all other cars and pedestrians. Only proceed when the road is clear. When approaching a four-way stop, the first car to halt shall proceed first.

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Answer:

benefits package information

Answer:

The right solution is:

(a) 4,272 units

(b) $134.16

(c) $134.17

(d) $12,268.33

Explanation:

Seems that the given question is incomplete. The attachment of the complete question is provided below.

According to the question, the values are:

Annual demand,

D = 12,000

Number of days,

= 300

Daily demand,

d = \(\frac{12000}{300}\)

  = 40

Production rate,

P = 100

Ordering cost,

S = $50

Holding cost,

H = $0.10

(a)

The production run's optimal size will be:

Q = \(\sqrt{\frac{2DS}{H(1-\frac{d}{P} )} }\)

By putting the values, we get

   = \(\sqrt{\frac{2\times 12000\times 50}{0.10\times (1-\frac{40}{100} )} }\)

   = \(\sqrt{20,000,000}\)

   = \(4,471.14\)

or,

   = \(4,472 \ units\)

(b)

The average holding cost will be:

= \(\frac{Q}{2}\times H\times [1-\frac{d}{P} ]\)

= \(\frac{4472}{2}\times 0.10\times [1-\frac{40}{100} ]\)    

= \(134.16\) ($)

(c)

The average setup cost will be:

= \(\frac{D}{Q}\times S\)

= \(\frac{12000}{4472}\times 50\)

= \(134.17\) ($)

(d)

The total cost per year will be:

= \(Avg. \ holding \ cost+ Avg. \ setup \ cost+Cost \ of \ purchase\)

= \(134.16+134.17+(1\times 12000)\)

= \(12,268.33\) ($)

Answer:

2

Explanation:

The correct statement is (c): "The feature 'tax tip selection screen' is not a feature of Blockworks Online."

The feature "tax tip selection screen" is not a feature of Blockworks Online.

Blockworks Online is a tax preparation software developed by H&R Block. Some of its features include:

Therefore, the correct statement is: "The feature 'tax tip selection screen' is not a feature of Blockworks Online."

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Answer:

ethics and piracy if not let me know

The correct option is A. a new developer joins the scrum team taking the total number to 11 people. as a scrum master, Deliver a potentially releasable product Increment.

As a Scrum Master, the primary responsibility is to ensure the Scrum team is productive and adhering to the Scrum framework. With the addition of a new developer, the Scrum Master should ensure that the team remains on track to deliver a potentially releasable product increment at the end of each sprint.

This means ensuring that the team has the necessary resources, equipment, and support to complete the work within the sprint time-box. It is not the role of the Scrum Master to do the development work, and neither is it their responsibility to ensure the project is completed on time, on budget, and within the defined scope.

The Scrum framework is designed to manage complex projects, with the focus on delivering value, not meeting deadlines or staying within budget constraints.

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If the reserve requirement is 10 percent and the central bank sells $10,000 in government bonds on the open market, the money supply will decrease by $100,000.

When the central bank sells government bonds on the open market, it reduces the amount of money in the economy by removing reserves from the banking system. In this case, if the reserve requirement is 10 percent, the banking system is required to hold $1,000 ($10,000 x 0.10) in reserves for every $10,000 in deposits. When the central bank sells $10,000 in government bonds, it removes $10,000 in reserves from the banking system. Since the banks are required to hold 10 percent in reserves, this reduces their ability to create loans by $100,000 ($10,000 ÷ 0.10). As a result, the money supply in the economy will decrease by $100,000.

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In regards to your portfolio of 5 shares of the TCE stock, which is worth $50/share, and $200 cash, if TCE severs ties with the external manufactures and moves all the manufactures in house, it is difficult to say whether you should buy, or hold, or sell without any further information.

Depending on the expected outcome of this event, it is possible that the value of the TCE stock will either increase or decrease. Therefore, it would be the best to do further research on the stock, the event, and the expected outcome before making any of the further decisions.

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Answer: A) Alpha will experience greater economic growth than Beta.

Explanation:

The production possibility curve shows how the effective and efficient use of the resources that are available in an economy can bring about the maximization of the production of two goods.

Since both economies Alpha and Beta have same production possibilities curves and are also on the same point on each curve, in a scenario whereby Beta devotes more resources to investment goods than consumer goods when compared to Alpha, then in the future Alpha will experience greater economic growth than Beta.

Answer/Explanation:

In regarding to advertisement, you can use social media to promote your product or spreading the word by participating in events regarding your form of business. For example, if you use a social media platform and have any related members or friends who are on the same platform, they can boost your product and assist in your advertising.

Answer: yes.

Explanation:

cause he's amazing, he's jschlatt, and he's awesome

thank you for coming to my TedTalk :)

Answer:

No duality

Explanation:

Change management is a strategy that helps individual and teams prepare for organisational changes that have to be made to move the business to greater heights.

In the given scenario where James Morgan is both the CEO and the chairman of the board, he will have undue influence on major decisions in the organisation.

It is better for him to retain position of Chairman of the board and appoint another person as the CEO.

This will give fresh perspective to various issues the organisation faces, and also will provide check and balance to adverse policies that Mr. Morgan may want to introduce.