Annuities may be funded with either a lump sum or a premium basis. This means that individuals can choose to invest a single large sum of money upfront or make regular premium payments over time to fund their annuity contracts.
When funding an annuity, individuals have the flexibility to choose between a lump sum or premium basis. A lump sum funding involves investing a significant amount of money upfront into the annuity contract. This can be advantageous for individuals who have a substantial sum of money available that they want to allocate towards securing a steady income stream for their future. By investing a lump sum, they can potentially benefit from immediate growth and start receiving regular annuity payments sooner.
On the other hand, annuities can also be funded on a premium basis, which means making regular premium payments over time. This approach allows individuals to contribute smaller amounts periodically, typically on a monthly or annual basis. Premium funding is often preferred by individuals who may not have a large sum of money available for a lump sum investment or who prefer to spread out their contributions over time. It can provide a more manageable way to save and accumulate funds gradually, while still benefiting from the growth potential of the annuity.
The choice between lump sum and premium funding depends on various factors. For individuals with a windfall or a significant amount of savings, a lump sum funding may be attractive as it allows for immediate investment and potential growth. On the other hand, individuals who prefer a disciplined savings approach or have limited funds to allocate at once may opt for premium funding. They can contribute regularly and build up their annuity balance over time. It's important for individuals to assess their financial situation, risk tolerance, and long-term goals to determine which funding method aligns best with their needs and preferences.
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you were visiting your grandpa and you happened to find $5000 stashed in an old shoe box. he told you that he had been saving this money for over 20 years. a. explain to him other options he has.
b. explain and demonstrate the principles of compounding interest.
Answer:
(only a) the best option would be investing in stocks
Explanation:
A very large company would be most likely to have a(n)\ at the head of its accounting department.
Answer:
the answer is
CHIEF FINANCIAL OFFICER
The CEO looks at the total weighted scores you have obtained for the individual items when you calculated the level of competitiveness. He sees the total weighted score you have obtained for bargaining power of suppliers and he asks you what the value means. You explain to him that it means:A. Bargaining power is low, because there are a lot of similar suppliers in the industry. It is therefore likely that suppliers will concede to his bargaining requests.B. Bargaining power is low, because there are not many similar suppliers in the industry. It is therefore likely that suppliers will concede to his bargaining requests.C. Bargaining power is low, because there are a lot of similar suppliers in the industry. It is therefore unlikely that suppliers will concede to his bargaining requests.D. Bargaining power is low, because there are not many similar suppliers in the industry. It is therefore unlikely that suppliers will concede to his bargaining requests.
The total weighted score obtained for bargaining power of suppliers indicates the level of competitiveness in the industry. A score of low indicates that there are either a lot of similar suppliers in the industry or not many.
In the case of a lot of similar suppliers, it is likely that suppliers will concede to the bargaining requests of the CEO, as they are competing for the same business.
On the other hand, if there are not many similar suppliers in the industry, it is unlikely that suppliers will concede to the CEO's requests as there is less competition to drive down prices.
Therefore, it is important to understand the level of competitiveness in the industry in order to determine the bargaining power of suppliers and what to expect in terms of bargaining.
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Molzahn Corporation is a manufacturer that uses job-order costing. The company closes out any overapplied or underapplied overhead to Cost of Goods Sold at the end of the year. The company has supplied the following data for the just completed year:
Estimated total manufacturing overhead at the beginning of the year $481,250
Estimated direct labor-hours at the beginning of the year 35,000 direct labor-hours
Results of operations:
Actual direct labor-hours 40,000 direct labor-hours
Manufacturing overhead:
Indirect labor cost $ 179,000
Other manufacturing overhead costs incurred $ 465,000
Answer:
The results are below.
Explanation:
First, we need to calculate the predetermined overhead rate:
Predetermined manufacturing overhead rate= total estimated overhead costs for the period/ total amount of allocation base
Predetermined manufacturing overhead rate= 481,250 / 35,000
Predetermined manufacturing overhead rate= $13.75 per direct labor hour
Now, we allocate overhead based on actual hours:
Allocated MOH= Estimated manufacturing overhead rate* Actual amount of allocation base
Allocated MOH= 13.75*40,000
Allocated MOH= $550,000
Finally, the under/over applied overhead and the closing to cost of goods sold:
Under/over applied overhead= real overhead - allocated overhead
Under/over applied overhead= 644,000 - 550,000
Underapplied overhead= $94,000
When overhead is underapplied, we need to debit the cost of goods sold.
COGS 94,000
Manufacturing overhead 94,000
How will you be able to become the cost leader of the market in which you deal?
A.
by focusing on customer loyalty
B.
by analyzing your competitive advantage and identifying which strategy works best for your business
C.
by concentrating on serving a particular segment of customers better
D.
by producing a product that has a higher perceived value to the customers when compared to the already existing products
E.
by producing your goods at the lowest price in the market
Answer:
well it would be A i think
Explanation:
Answer:
E. by producing your good at the lowest price in the market
Explanation:
Plato
JohnBoy Industries has a cash balance of $54,000, accounts payable of $134,000, inventory of $184,000, accounts receivable of $219,000, notes payable of $129,000, and accrued wages and taxes of $41,500. How much net working capital does the firm need to fund?
Answer:Net working capital = $152,500
Explanation:
Net working capital = CA– CL
Where CA= Current Assets = Cash + Inventory + Accounts Receivable
and CL= Current Liabilities= Account payable + Notes payable + accrued wages and taxes
CA=$54, 000 + $184,000 + $ 219,000 =$457,000
Current liabilities = Account payable + Notes payable + accrued wages and taxes
CL = $134,000 + $129,000 + $41,500 = $304,500
Net working capital = Current assets – Current liabilities
Net working capital = $457,000 – $304,500= $152,500
Net working capital = $152,500
What are the eight differences between personal selling (direct contact) and non-personal selling (indirect contact, such as Internet sales)?
Answer:
see below
Explanation:
Personal selling is popularly known as a face to face selling or direct selling. In personal selling, the salesperson engages a potential customer in a conversation to persuade them to buy. This type of selling requires the physical presence of a salesperson engaging in a one-on-one conversation with the clients. Its success largely depends on the selling skills of the salesperson.
Non-personal selling is the use of advertisements to persuade customers to buy. There is no direct meeting between the seller and buyer; hence the term indirect, impersonal, or non-personal selling. Non-personal selling uses print media, broadcast media, and digital platforms to reach out to customers.
determine the number of $7$-digit positive integers that have the property that their digits are in non-decreasing order, from left to right.
There are 84 different 7-digit positive integers with digits in non-decreasing order from left to right.
Let's dive deeper into the details below.
To determine the number of 7-digit positive integers with non-decreasing digits from left to right, we can use a technique called stars and bars.
Consider each digit as a 'star' and six 'bars' that separate the digits. For example, the number 1123456 can be represented as * | * | ** | * | * | * | * (1 | 1 | 23 | 4 | 5 | 6). We want to distribute these stars (digits) in 10 containers (0 to 9) without changing their order.
There are 9 bars (10 - 1) that separate these 10 containers. We need to select 6 bars (7 - 1) from these 9 bars to create our 7-digit number. We can use the combination formula for this, which is:
C(n, r) = n! / [r! * (n - r)!]
In our case, n = 9 and r = 6, so:
C(9, 6) = 9! / (6! * (9 - 6)!) = 84
So, there are 84 different 7-digit positive integers with digits in non-decreasing order from left to right.
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The pluperfect passive tense is formed with the fourth principal part of the verb and the _____ of sum.
The pluperfect passive tense is formed with the fourth principal part of the verb and the past participle of the verb "sum."
The pluperfect passive tense in Latin is a compound verb form that combines the fourth principal part of the verb (the supine stem) with the past participle of the verb "sum" (to be). The fourth principal part of a verb represents the supine stem, which is used to form perfect tenses.
The past participle of "sum" is "eram" in the singular and "eramus" in the plural. When these elements are combined, they create the pluperfect passive tense, indicating an action that had been completed in the past before another past action. For example, "amatus eram" means "I had been loved." This tense allows for expressing past events in a passive voice with a sense of completion.
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i have a brainlest for anybody if the can tell me who won the wwe champoinship in 1996
How should the headings of a resume be formatted so that they are clear and easy to find?
a. bold and italicized
b. capitalized and bold
c. underlined and italicized
d. capitalized and underlined
Answer:
B. capitalized and bold
Explanation:
Please mark my answer as the Brainiest!!!
Got it correct on Edge.
what is the relationship between beginning cash balance and ending cash balance for the current year
Answer:
While the cash flow statement shows cash coming in and going out, the balance sheet shows the assets and liabilities that result, in part, from the activities on the cash flow statement.
Explanation:
Please give the brainliest.
A gaming app advertiser is about to launch their newest mobile game in the Korean market. The advertiser wants to maximize installs as well as in-app purchases. Which standard app event is least likely to be used for optimizing the campaigns
App event optimization (AEO) allows you to optimize your ad delivery using certain standard and custom app events in the App Installs objective. This can help you show your ads to people who are more likely to perform specific actions that are valuable to your app or business.
Which types of ads are ideal for gaining downloads of a mobile app?When you've invested a significant amount of time and money into a mobile app, you want to make sure that it's getting downloaded and seeing engagement.
Fortunately, Ads can be particularly useful when it comes to increasing mobile app downloads.
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each person in the interview
each person you see in the building
the first person you are introduced to
the person who is obviously leading the interview
Answer:
option A is correct.
i.e.
each person in the interview.
Explanation:
Because thank-you letter provides a simple but effective way to express gratitude to all the individuals you met with.
suppose disposable income increases by $2,000 . as a result, consumption increases by $1,500 . answer the questions based on this information. where appropriate, enter your answer as a decimal rather than as a percentage. the increase in savings resulting directly from this change in income is:________
This change in income has a direct $500 impact on savings. The MPS is 0.25 while the MPC is 0.75.
What occurs when disposable income rises?Together, rising disposable income gives households more money to either save or spend, which inevitably fuels rising consumption. One of the key factors affecting demand is consumer spending; it generates the demand that enables businesses to remain successful and add new employees.
What happens when disposable income increases?When disposable income rises, consumption increases and saving rates decline. The marginal propensity to consume is calculated by dividing the change in consumption by the change in income.
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Which one of the four factors of copyright is MOST important?
Answer:
the purpose and character of the use i think
Explanation:
How have newer work models made the workplace more efficient?
Explanation:
Don't be Afraid to Delegate. While this tip might seem the most obvious, it is often the most difficult to put into practice. ...Match Tasks to Skills. ...Communicate Effectively. ...Keep Goals Clear & Focused. ...Incentivize Employees. ...Cut Out the Excess. ...Train and Develop Employees. ...Embrace Telecommuting.Answer:
1)Assign a task to the person with the right skills. When a new assignment arises, managers tend to think: "Who on my staff has time to take this on?" This is not an effective way to make a decision.
2)Limit meetings: Let's face it: Unless it's a necessary client meeting or important brainstorm session, nine times out of 10,
3)Systematize processes to save people time. There may be old ways of doing things in your company that take up a lot of time. When you ask managers why you do things that way, they may say: "Well, that's just how we've always done it."
4)Provide quiet, uninterrupted spaces to work. This goes back to those colleagues disrupting your work to discuss personal issues. Most people work better in an environment without a lot of noise. Cubicle farms make it hard to accomplish meaningful work. The open physical layout of many offices today, as well as "open-door" policies establish an open invitation for co-workers to interrupt others.
5)Determine where people need to be located. Companies are beginning to realize that telework saves them money and greatly increases productivity. Employees working from home tend to accomplish more than their counterparts sitting in an office. This is mainly due to the lack of office distractions listed above and the extra time people can put into work since they can start and end their day during typical commute times. Also, business travel is not always a necessity, as it is both a high monetary and time cost to incur.
Explanation:
Hope it HELPS you .....
need asap plz!!! Questlon 5 of 10 Which statement best describes the idea of the law of supply? A . The supply of a product decreases as its price increases B. The demand for a product decreases as its supply decreases. C. The demand for a product increases as its price increases. D. The supply of a product increases as its price increases SUBMIT
Answer:
D. The supply of a product increases as its price increases
Explanation:
Supply is the volume of a product or a service that sellers are willing to sell in the market at a stated price. The law of supply explains the relationship between price and the quantity suppliers are willing to sell.
The law asserts that as the price increases, suppliers will supply more quantities of a product. A price decrease will cause suppliers to supply a lower quantity. Suppliers are profits motivated. A price increase results in higher profits hence more supply.
What are some of the duties of people with careers in business analytics?
Answer:
Calculating numbers for their respective and particular business rates.
Analyze data for their business and organize important documents.
As well as regulate sales rates and analyze statistics for the company. Hope this helps ! best of luck!
What is the difference between a bank and a retail bank?
The main difference between a bank and a retail bank is the type of customer they serve.
A bank is a financial institution that offers a variety of services, such as loan and deposit products, investment services, and financial advice. A retail bank is a type of bank that specializes in consumer banking, typically offering services such as savings and checking accounts, loan and credit products, debit cards, and other consumer-focused products and services.
A bank typically serves both retail and commercial customers, whereas a retail bank focuses exclusively on consumer banking. This means that retail banks tend to offer products and services that are tailored to meet the needs of individual consumers.
Additionally, retail banks are typically smaller in size than banks and have fewer branches, making them more accessible to consumers. They also tend to have shorter wait times and more personalized customer service, which can be beneficial for those who need more time and attention when it comes to their banking needs.
Overall, a bank and a retail bank both provide financial services, but they serve different customer types and offer different products and services. Banks focus on commercial customers, while retail banks focus on consumer banking.
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Match the sub-specialization to their definitions.
-auditing
-taxation
-environmental accounting
-forensic accounting
Answer:
forensic accounting- Working within companies or as a
consultant to detect bookkeeping
errors, embezzlement, and
fraudulent financial reporting.
environmental accounting- Involves a relatively new field in
which specialists help companies
manage their CSR initiatives.
taxation- Researching and inspecting all
summary reports to insure full
compliance with all state and
federal reporting requirements.
auditing- Handles all reporting and
documentation submissions
to local, state, and federal
tax agencies.
Explanation:
i think these are right the last two im really not sure of sorry if wrong.
Answer:
In this exact order
forensic accounting-
environmental accounting-
auditing-
taxation-
Explanation:
Critically explain Robbins definition of economics?
Answer:
In his landmark essay on the nature of economics, Lionel Robbins defined economics as. “the science which studies human behaviour as a relationship between ends and scarce means which have alternative uses”
Explanation:
Addison Company experienced an accounting event that affected its financial statements as indicated below:
Assets = Liab. + Equity Rev. − Exp. = Net Inc. Cash Flow
+ NA + + NA + NA
Which of the following accounting events could have caused these effects on Addison's statements?
Earned revenue on account have caused the following accounting event on Addison's statements.
Accountancy, some other call for accounting, is the measurement, processing, and verbal exchange of economic and non-economic data approximately financial entities like agencies and businesses. Accounting, now and again called the "language of business," quantifies the consequences of an organization's financial sports and disseminates this facts to more than a few stakeholders, inclusive of investors, creditors, control, and regulators.
Accounting experts are called accountants. Financial reporting and accounting are regularly used interchangeably. Financial accounting, control accounting, tax accounting, and fee accounting are only a few of the exclusive classes that accounting may be damaged down into.
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It has been Shelly's dream to open a bakery, and while she has experience in making all types of baked goods, she always gets rave reviews for her hand-decorated cupcakes. So, rather than open a bakery that offers a wide variety of baked goods, Shelly has decided to open a specialty cupcake shop to cater to that market only. This is an example
When Shelly decides to open a specialty cupcake shop to serve just that market, this sets up an example of market segmentation.
What is market segmentation?A process of dividing potential customers in a market into groups based on common characteristics, such as preferences, habits, and needs.
Therefore, through market segmentation, an organization is able to align its strategy by offering products and services more focused on consumer desires, increasing its value and positioning in the market.
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Widgets, Inc. makes a $300 on Widhets, Inc. makes a $300 account sale to Custom Motors. How is the sale recorded in the Accounts Receivable subsidiary ledger?
A. It is recorded upon payment
B. as $300 payment
C. as $300 credit
D. as $300 debit
Find the producers' surplus if the supply function is given by S(q) = q2+ 4q + 20. Assume supply and demand are in equilibrium at q = 24.
To find the producer's surplus, we first need to determine the equilibrium price and quantity.
The equilibrium occurs when supply and demand are equal, which means the quantity demanded (Qd) equals the quantity supplied (Qs).
Given that the equilibrium quantity (Q) is q = 24, we can substitute this value into the supply function to find the equilibrium price:
Qs = q² + 4q + 20
Qs = 24² + 4(24) + 20
Qs = 576 + 96 + 20
Qs = 692
So, at the equilibrium, the quantity supplied (Qs) is 692.
Next, to find the producer's surplus, we need to integrate the supply function from 0 to the equilibrium quantity (Qs = 692) to calculate the area between the supply curve and the equilibrium price.
The supply function is given by S(q) = q² + 4q + 20.
Integrating the supply function:
∫[0 to 692] (q² + 4q + 20) dq
Using the power rule for integration, we get:
(1/3)q³ + 2q² + 20q [0 to 692]
Evaluating the integral at the upper and lower limits:
[(1/3)(692)³ + 2(692)² + 20(692)] - [(1/3)(0)³ + 2(0)² + 20(0)]
Simplifying:
(1/3)(692)³ + 2(692)² + 20(692)
Calculating the value:
(1/3)(338350448) + 190288 + 13840
= 112783490 + 190288 + 13840
= 112993618
Therefore, the producer's surplus is 112,993,618 units (or the equivalent value in a specific unit, depending on the context).
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what is business ? please tell us
Answer:
Noun, a person's regular occupation, profession, or trade.
Explanation:
what is the present value of the following cash-flow stream if the interest rate is 6%? note: do not round intermediate calculations. round your answer to 2 decimal places. year cash flow 1 $ 120 2 320 3 220
The present value of the cash-flow stream if the interest rate is 6% is $323.03.
What is the interest rate?The interest rate can be defined as the amount or the percentage that is being fixed or fluctuating depending upon the condition of the agreement. The interest is calculated on the amount that is being loaned or given to the individual or a company.
According to the given question, the interest rate is 6%
1st year $120
2nd year $320
3rd year $220
Now, by applying the formula for the present value:
\(\rmPV = \dfrac{fv}{(1 + r)^t}\)
\(\dfrac{120}{1.06} + \dfrac{320}{(1.06)^2} + \dfrac{220}{(1.06)^3}\)
= 113.20 + 284.96 + 184.87
= 323.03
The present value of the cash flow stream is $323.03
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What is the net change in non-cash working capital that would appear on the cash flow statement given the following: i) Increase in cash of $500 ii) Increase in accounts receivables of $800 ii) Decrease in inventories of $350 iv) Decrease in prepaid expenses of $225 v) Increase in PP&E of $950 vi) Increase in accounts payable of $400
Answer:
$175
Explanation:
The change in non-cash working capital that would appear on the cash flow statement is calculated as:
Increase in accounts receivable -$800
Decrease in inventories $350
Decrease in prepaid expenses $225
Increase in accounts payable $400
______
Change in Non-Cash Working Capital --) $175
Hope my answer is helpful :)
The net change in non-cash working capital that would appear on the cash flow statement is $175.
Increase in accounts receivable ($800)
Add Decrease in inventories $350
Add Decrease in prepaid expenses $225
Add Increase in accounts payable $400
Change in Non-Cash Working Capital $175
Inconclusion the net change in non-cash working capital that would appear on the cash flow statement is $175.
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An investor wants to determine which stock has more consistent monthly returns and is less risky (volatile).
Stock A: A Japanese stock (A) demoninated in yen with returns: 2%, 4%, 10%
Stock B: A US stock (B) demoninated in US dollars returns were: -1%, 2%, 8%
A. Stock B has a lower standard and is more consistent.
B. Stock A has a lower coefficent of variation and is more consistent.
C. Stock A has a lower standard and is more consistent.
D. Stock B has a lower coefficent of variation and is more consistent.
The lower coefficient of variation will indicate more consistent returns. Therefore, the correct answer is C.
Stock A has a lower standard anT is more consistent.How to determine which stock has more consistent monthly returns and is less risky?A Japanese stock (A) demoninated in yen with returns: 2%, 4%, 10%Stock B: A US stock (B) demoninated in US dollars returns were: -1%, 2%, 8%To determine which stock has more consistent monthly returns and is less risky (volatile), the standard deviation (SD) and the coefficient of variation (CV) can be calculated.
Using the given returns, we can calculate the SD and CV of each stock:Stock A:SD = 3.10%CV = 0.79Stock B:SD = 4.18%CV = 1.49Therefore, Stock A has a lower standard deviation and coefficient of variation, indicating that it has more consistent monthly returns and is less risky (volatile).Answer: C. Stock A has a lower standard and is more consistent.
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