Jack, a new client for robert, a cfp professional, requests a needs analysis concerning jack's life insurance situation. None of the above is required by the Code of Ethics.
Life insurance is a settlement among an insurance coverage holder and an insurer or assurer, wherein the insurer guarantees to pay a designated beneficiary a amount of cash upon the death of an insured character. depending at the settlement, different occasions which include terminal infection or critical contamination can also cause payment.
Life insurance is a agreement among you and an insurance business enterprise. basically, in change to your top rate bills, the insurance employer can pay a lump sum known as a death benefit to your beneficiaries after your demise. Your beneficiaries can use the cash for whatever purpose they pick.
Learn more about life insurance here:https://brainly.com/question/1373572
#SPJ4
Explain the advantages and disadvantages of nomadic cultures
and settled cultures.
Advantages of nomadic cultures: Adaptability, mobility, preservation of environment, cultural diversity.
Disadvantages of nomadic cultures: Lack of stability, limited access to services, vulnerability to external factors, limited accumulation of material wealth.
Advantages of settled cultures: Stability and infrastructure, specialization and trade, access to services, cultural development.
Disadvantages of settled cultures: Limited environmental adaptability, social inequality, resource depletion and environmental impact, cultural homogenization.
Nomadic cultures offer advantages such as adaptability to different environments, the ability to move in search of resources, and a deep understanding of the environment.
learn more about Advantages here:
https://brainly.com/question/31944819
#SPJ11
What kind of data do you get from a survey asking open-ended questions?
A.
Quantitative data
B.
Faulty data
C.
Qualitative data
D.
Numbers-based data
The answer is C. Qualitative data
The process of applying sales goals to production in order to maximize efficiency is __________. a.) strategic planning b.) efficiency planning c.) capacity planning d.) financial planning
The process of applying sales goals to production in order to maximize efficiency is capacity planning.
The approach of defining resource capabilities to fulfil projected demand without disruption is known as capacity planning. Based on current and historical trends, it enables businesses to predict their future resource requirements with accuracy. In order to meet demand, capacity planning also considers how an organization plans for workload, including staffing numbers and scheduling procedures.
This procedure, which is an essential component of company strategic planning, guarantees that the organization always has enough personnel, tools, supplies, and facilities. Because it identifies the resources that must be accessible for an organization's operations and projects, capacity planning is an essential step in the strategic planning process.
To know more about capacity planning
brainly.com/question/16611158
#SPJ4
in order to require banks to hold more money as opposed to lending it, the federal reserve can —
In order to require banks to hold more money as opposed to lending it, the federal reserve may expand the amount of money in circulation by reducing the reserve requirements for banks, allowing them to provide more loans. The Fed may reduce the amount of money in circulation by increasing the reserve requirements for banks, on the other hand.
What is a federal reserve?Generally, The United States of America's central banking system is called the Federal Reserve System. With the passage of the Federal Reserve Act on December 23, 1913, it was established in response to the need for centralized management of the monetary system to prevent financial crises after a string of financial panics.
The federal reserve may increase the quantity of money in circulation by lowering the reserve requirements for banks, enabling them to provide more loans, in order to force them to keep more money as opposed to lending it.
On the other side, the Fed may decrease the quantity of money in circulation by raising the reserve requirements for banks.
Read more about the federal reserve
at https://brainly.com/question/23247429
#SPJ1
List two one-time expenses that most business have
first person get brianlyeist
Answer:
yay
Explanation:
What is the difference between AC and DC power?
Answer:
Both AC and DC describe types of current flow in a circuit. In direct current (DC), the electric charge (current) only flows in one direction. Electric charge in alternating current (AC), on the other hand, changes direction periodically
Explanation:
Deanna purchased $24,000 worth of stock and paid her broker a 1% broker fee. She sold the stock when it increased to $29,100 three years later and used a discount broker who charged $35 per trade. Compute her net proceeds after the broker fees were taken out
Answer:
Here:
Explanation:
Purchase price of shares = 24000
total purchase cost = price of shares bought + broker fees total purchase cost = 24000 + 0.01*24000 =24240
selling price of shares = 29100
total selling cost = price of shares sold - broker fees total selling cost = 29100 - 35 = 29065
Net proceeeds = total selling cost - total purchase cost Net proceeds = 29065 - 24240 = 4825
Which two of the following risks are typically identified during buyer due diligence in the first round?
I. Financial projections trajectory
II. Depth and nature of management team
III. Target company end markets
IV. Details of growth strategies
Buyer due diligence is a critical part of any successful acquisition. This process usually occurs in the early stages of a potential purchase when a buyer is considering acquiring a target company.
During the first round of buyer due diligence, two risks that are typically identified include financial projections trajectory and depth and nature of management team.
I. Financial projections trajectory The first thing buyers typically look at during due diligence is a target company’s financial projections. Financial projections give buyers an idea of what they can expect in terms of future revenue and earnings. The financial projections trajectory can be seen as the first risk identified by buyers in the first round.
II. Depth and nature of management team Another factor that is typically considered during buyer due diligence is the depth and nature of the target company's management team. A strong management team is essential for a target company's success after acquisition.
The management team should have a clear understanding of the business, its challenges, and opportunities for growth. The management team's capabilities are typically evaluated by assessing the experience and skills of key individuals, including the CEO, CFO, and other senior managers.
III. Target company end markets This is not typically identified as a risk during buyer due diligence in the first round.
However, it is still important to consider during the due diligence process. Buyers should examine a target company's end markets to determine if they align with their own business strategy and to understand the risks associated with those markets.
IV. Details of growth strategies Another factor that buyers typically look at during due diligence is the target company's growth strategy.
To know more about target visit :
https://brainly.com/question/31607336
#SPJ11
How do you think companies determine the price for their products?
Answer:
Companies typically know the gross profit margin they need to pay back their expenses and generate positive net income and cash flow. Once your company knows the cost of sales (cost of goods and services sold) of a particular product and the Gross Profit Margin Target it wants, it can easily employ a GPMT strategy.
A woman held fee simple title to a vacant lot adjacent to a business. She was persuaded to make the lot available to the business. She had her attorney prepare a deed that conveyed ownership of the lot to the business "so long as it is used for commercial purposes." After the completion of the gift, the business will own a:___________.a. life estate.b. tenancy for years.c. periodic tenancy.d. determinable fee estate.
Answer:
D. Determinable fee estate
Explanation:
To begin, a determinable fee estate is structured such that it terminates upon the occasion of certain events, or completion of purpose, and will revert to the grantor without any entry or other provisions. This revert to the grantor is essential and thus come automatically, especially upon the creation of a determinable fee estate.
Given the scenario under study, a woman held a fee simple to a vacant lot adjacent to a business. Subsequently, she made the lot available to the business, and convey its ownership on same. The clause 'so long it is used for commercial purposes' further underscores that a determinable fee and/or future interest is expected to be earned on such.
This arrangement and especially looking at the completion of the gift, the business will thus own a Determinable fee estate.
When the Federal Reserve decreases the growth rate of the money supply, the income effect causes the interest rate to rise / fall, while the liquidity effect drives the interest rate up / down.
Continuing on the same train of thought, when the Fed decreases the growth rate of the money supply, the price level effect drives the interest rate down / up, while the expected inflation rate pushes the interest rate down / up.
Suppose there is an increase in the growth rate of the money supply. If the liquidity effect is smaller than the income, price-level, and expected inflation effects, and if inflationary expectations adjust slowly, then in the short run, interest rates
A. fall.
B. rise.
C. become unpredictable.
D. remain unchanged.
the correct answer is A. fall. If there is an increase in the growth rate of the money supply.
The liquidity effect is smaller than the income, price-level, and expected inflation effects, then in the short run, interest rates are likely to fall. This is because the increase in the money supply leads to an increase in the supply of loanable funds, which lowers the cost of borrowing and reduces interest rates. The income effect and price-level effect could drive the interest rate up, but the expected inflation effect would push the interest rate down. In the short run, the liquidity effect is likely to be the most significant factor in determining the direction of interest rates.
To learn more about Federal Reserve here:
https://brainly.com/question/17097530
#SPJ4
Three boys step off together from the same spot. Their steps measure 63 cm, 70 cm
and 77 cm respectively. What is the minimum distance each should cover so that all
Answer:
Minimum distance walked y the three boys is 6930 centimeter
Explanation:
Complete Question
Three boys step off together from the same spot. Their steps measure 63 cm, 70 cm and 77 cm respectively. What is the minimum distance each should cover so that all can cover the distance in complete steps
Solution
The LCM of the size of the steps of the three boys will give the minimum distance that each should cover so that all can cover the distance in complete steps
LCM of 63 cm, 70 cm and 77 cm will be 2*3*3*5*7*11
= 6930 centimeter
Hence, minimum distance walked y the three boys is 6930 centimeter
a favorable price variance for computer chips is created when the standard cost of the chip is less than the actual cost. a favorable price variance for computer chips is created when the standard cost of the chip is less than the actual cost. true false
True - a favorable price variance for computer chips is created when the standard cost of the chip is less than the actual cost. a favorable price variance for computer chips is created when the standard cost of the chip is less than the actual cost.
In possibility concept and statistics, variance is the expectation of the squared deviation of a random variable from its populace imply or sample mean. Variance is a measure of dispersion, meaning it's miles a degree of ways some distance a set of numbers is unfold out from their average cost. Variance has a relevant role in records, in which a few thoughts that use it encompass descriptive statistics, statistical inference, hypothesis trying out, goodness of match, and Monte Carlo sampling. Variance is an essential tool within the sciences, where statistical analysis of records is not unusual.
Learn more about variance here
https://brainly.com/question/9304306
#SPJ4
two common areas of accounting that respectively provide information to internal and external users are
Managerial accounting and financial accounting are two popular branches of accounting that offer data to internal and external consumers, respectively.
These financial reports give tax authorities, investors, and creditors information about how a firm performed. Financial accounting is divided into two categories: accrual accounting and cash accounting. Financial accounting is the practice of providing information to users, including creditors, consumers, investors, and the government. For people outside of the business who require information to make decisions, supply timely and appropriate information. form of financial accounting report made available to individuals outside the company. Managers and other staff who work internally are among the users of financial data who validate prior outcomes and aid in making modifications for upcoming actions. External users are those outside the corporation who make choices or assess an entity's performance using financial information.
To learn more about Managerial accounting click the link below:
brainly.com/question/14570679
#SPJ4
enter mia profit/loss for the 2 month
Review each of the investment opportunities provided by Earll Investments and Pima Financial Trading. In a three paragraph
essay (a minimum of 4-5 sentences), write an analysis of these opportunities that answers the following questions.
Based on the evidence available to you, which investment opportunity is more likely to be fraudulent? What are the true
risks of investment with this company, and does the company accurately describe these risks? What are the potential
returns on an investment, and does the company accurately describe these returns?
All investment types do possess some level of risks hazard. Based on the evidence available to me, the investment opportunity that more likely to be fraudulent is the first investment that is made.
The true risks of investment with this company are hazard linked to land, stocks, wares, or court cases.
What are the potential returns on an investment?In regards to the investment made, Projected return, or what we call the potential return, is one that can create a lot of profit or loss.
Note that it is seen as a form of calculated metric that aids investors to be able to the amount of potential profit an investment may get and in the above case it may yield more profit or loss.
Learn more about investment from
https://brainly.com/question/19350374
#SPJ1
Answer:
"After reviewing the investment opportunities provided by Earll Investments and Pima Financial Trading, it is evident that the investment opportunity offered by Pima Financial Trading is more likely to be fraudulent. The investment opportunity offered by Pima Financial Trading promises extremely high returns, which is usually a red flag for fraudulent activities. On the other hand, Earll Investments offers a more conservative investment opportunity, which promises a reasonable return on investment.
The true risks of investing with Pima Financial Trading are not accurately described by the company. The company claims that their investment opportunities are low-risk, but this is unlikely given the high returns promised. The higher the potential return on investment, the higher the risk involved. Pima Financial Trading also fails to provide detailed information about the investment strategies they use, making it difficult for investors to assess the risks involved.
In contrast, Earll Investments accurately describes the risks involved in their investment opportunity. The company acknowledges that there is a risk of loss, but emphasizes that this risk can be minimized by diversifying investments. The potential returns on an investment with Earll Investments are also accurately described, with the company offering a reasonable return on investment. Investors should exercise caution when considering investment opportunities offered by Pima Financial Trading, and carefully assess the risks involved."
identify some of the job titles that are considered contingent workers.
Contingent workers are those who are hired to work for a company for a limited period of time or for a particular project. They are not permanent employees and are usually paid hourly. Their employment status is often determined by the duration of their contract, project, or assignment.
Here are some job titles that are considered contingent workers:1. Temporary workers:
Temporary workers are employees who are hired on a short-term basis to fulfill temporary job roles that are created due to seasonal fluctuations, leave replacements, or specific projects.
2. Freelancers:
Freelancers are self-employed individuals who work on a project-to-project basis. They are hired for their specific skills and are usually paid by the hour or by the project.
3. Part-time employees:Part-time employees are workers who are hired to work for a company for less than the typical 40-hour workweek.
They may be paid on an hourly basis or receive a salary.
4. Independent contractors:Independent contractors are self-employed individuals who are hired by a company to provide services. They are not considered employees of the company and are usually paid by the project or assignment.
5. Consultants:Consultants are hired by companies to provide specialized advice or services for a specific project. They are experts in their field and are usually paid by the hour or by the project.
To know more about workers visit;
brainly.com/question/30203906
#SPJ11
Contingent workers are hired on a temporary or flexible basis, with no long-term commitment. Some job titles include freelancers, contractors, and temporary workers.
Explanation:Contingent workers are employees who are hired on a temporary or flexible basis, with no long-term commitment or guaranteed hours. Some job titles that are considered contingent workers include:
Freelancers: These are self-employed individuals who offer their services to various clients on a project-by-project basis.Contractors: These individuals work for a specific period of time, usually to complete a specific task or project.Temporary workers: These workers are hired to fill in for absent employees or to handle workload fluctuations.Contingent workers provide flexibility for businesses as they can be brought in as needed, without the long-term commitment and costs associated with hiring full-time employees.
Learn more about Contingent workers here:
https://brainly.com/question/32216211
Which of these is the best reason for nina to monitor her bank account statements online or on her cell phone app? to know when her bills are due to determine the exact date she can retire to ensure she's paying her fair share in taxes to know how much money she has for budgeting
"To know how much money she has for budgeting" is the correct statement among the given options.
What exactly do you mean by budgeting?Budget is the name of this spending plan. By creating this recommended budget, you can know in advance whether you have enough funds to complete the tasks your users need or want to complete. Budgeting is simply the process of balancing expenses and income.
What are the four budgeting approaches?Companies typically use four types of budgets:
Incremental ActionBusiness modelZero-basedEach of these four types of budgeting has its pros and cons, which are detailed in this guide.
To know more about budgeting visit:
brainly.com/question/15683430
#SPJ4
Answer: option d i got it right
A Moving to another question will save this response. estion 34 What is average revenue? The price multiplied by the quantity sold. The extra revenue derived from the sale of one more unit. The total revenue divided by the price. It is equal to the price in perfectly competitive markets. M Moving to another question will save this response.
However, in a perfectly competitive market, since firms are price takers and cannot individually influence the market price, the average revenue for each unit sold will be equal to the prevailing market price.The correct answer is: It is equal to the price in perfectly competitive markets.
Average revenue refers to the revenue generated per unit of output sold. In perfectly competitive markets, where there are numerous buyers and sellers and no individual participant has control over the market price, the average revenue is equal to the price. This is because each unit of output sold in a perfectly competitive market will fetch the same price.
In other market structures, such as monopolies or oligopolies, where firms have some degree of market power and can influence the price, the average revenue may differ from the price. In these cases, the average revenue will depend on the demand elasticity and the pricing strategies employed by the firm.
learn more about market here
https://brainly.com/question/14418904
#SPJ11
FOR BRAINLIEST!!
What type of workplace emergency would OSHA be most likely to get involved with?
tornado
workplace violence
toxic chemical spill
active shooter
When preparing a business message, you should make your writing audience oriented. Audience oriented means a. attempting to get your audience to believe and accept your message. b. writing to solve a problem or convey information. c. presenting ideas clearly but concisely. d. concentrating on looking at the message from the receiver's perspective.
Answer:
D. Concentrating on looking at the message from the receiver's perspective.
Explanation:
When writing a business message, it is important to ensure that the perspective of the receiver is considered. There are two sides to a message; the speaker and the receiver. By making a business writtings audience oriented, it means that thoughts of the receiver or audience is considered alongside the message.
Although other skills such as; present ideal clearly but concise, attempt to get your audience to believe and accept your message, write to solve a problem or convey information are essential qualities of business writtings, yet do not point to audience oriented message.
the value of a put option is positively related to the: i) exercise price; ii) time to expiration; iii) volatility of the underlying stock price; iv) risk-free rate
The value of a put option is positively related to the exercise price, time to expiration, and volatility of the underlying stock price.
A put option is a financial instrument that gives the holder the right, but not the obligation, to sell an underlying asset (such as stock) at a predetermined price (exercise price) within a specified period (time to expiration).
The value of a put option increases as the exercise price rises because a higher exercise price means the option holder can sell the underlying asset at a higher price, resulting in a greater potential profit.
The value of a put option also increases with a longer time to expiration. More time allows for a greater likelihood of the underlying asset's price falls below the exercise price, increasing the probability of the put option being exercised and resulting in a higher value.
Additionally, the value of a put option is positively related to the volatility of the underlying stock price. Higher volatility implies a greater likelihood of the stock price moving significantly, which increases the potential for the put option to be profitable if the stock price decreases.
The risk-free rate, however, does not directly impact the value of a put option. It is not a factor in determining the intrinsic value of the option and does not affect the potential profitability of exercising the option.
learn more about stock price here:
https://brainly.com/question/1674639
#SPJ11
Match the following.
1. the system responsible for carrying blood through the body; the blood carries important nutrients, oxygen, and waste
2. an organism that can only be seen under a microscope; it cannot be seen with the human eye
3. an instrument used to magnify objects
4. critical element needed for cellular respiration; the brain cannot survive without oxygen
circulatory system
microorganism
oxygen
microscope
Answer:
1. Circulatory system
2.Microorganism
3. Microscope
4. Oxygen
Eloise, the director of Human Resources at her organization
Since Eloise is working to determine its human resource needs for the next five years, her first course of action is: assessing the future labor supply.
What is Human resources management?Human resources management (HRM) can be defined as an art that involves effectively and efficiently managing, controlling and improving the functions, number of employees or workers, activities that are being used by an organization.
This ultimately implies that, human resources managers are saddled with the responsibility of recruiting, managing and improving the welfare and working conditions of the employees working in an organization because they are the most important asset of any organization.
In conclusion, Eloise's first course of action is assessing the future labor supply for her organization.
Read more on human resource here: https://brainly.com/question/10583893
Complete Question:
Eloise, the director of human resources at her organization, is working to determine its human resource needs for the next five years. Eloise's first course of action is?
Planning , using a five step process.
What type of contract is a hire purchase agreement?
air transport is not dense in
Answer:
La niebla
Explanation
Answer:
Stratosphere
Explanation:
how to get stimulus check 2021 if you didn t file taxes
Answer:
you may need to file a 2020 tax return even if you don’t traditionally file.
Explanation:
This FAQ can help you understand how the system works and what you can do to claim any stimulus that you may be eligible to receive.
The monthly demand for a certain product in thousands of units is as follows:
Month
Demand (Thousands)
Jan
255
Feb
248
Mar
214
Apr
180
The sales manager Stella needs to make a demand forecast for May using 3-month simple moving average. What forecast demand (in thousands) will Stella get?
Group of answer choices
138
176
200
226
214
The demand forecast (in thousands) that Stella will get using the 3-month simple moving average is 214 thousand units for May.
The three-month simple moving average is given as: MA = (D1 + D2 + D3) where D1, D2, and D3 are the demands for the last three months.
From the given data, the demands for the last three months are March, April, and May.
So, D1 = 214, D2 = 180, and D3 = x, where x is the demand for May.
We need to find the demand for May, that is x .Using the formula
we have: MA = (D1 + D2 + D3) / 3MA = (214 + 180 + x) / 3MA = (394 + x) / 3Multiplying both sides by 3,
we get:3MA = 394 + x Subtracting 394 from both sides,
we get: x = 3MA - 394The demand forecast (in thousands) that Stella will get is the moving average for May,
That is MA = (D1 + D2 + D3) / 3.Substituting the given values,
we have: MA = (214 + 180 + x) / 3MA = (214 + 180 + x) / 3MA = (394 + x) / 3Multiplying both sides by 3,
we get:3MA = 394 + x Subtracting 394 from both sides,
we get: x = 3MA - 394Therefore, to find the demand forecast for May,
we need to find the value of MA.
We can do that by substituting D1, D2, and D3 with their respective values as follows: MA = (214 + 180 + x) / 3MA = (214 + 180 + x) / 3MA = (394 + x) / 3Substituting x with 0,
we get: MA = (214 + 180 + 0) / 3MA = 594 / 3MA = 198Substituting x with 255, we get: MA = (214 + 180 + 255) / 3MA = 649 /3MA=216.3 Substituting x with 248,
we get: MA = (214 + 180 + 248) / 3MA = 642 / 3MA = 214
So the demand forecast (in thousands) that Stella will get using the 3-month simple moving average is 214 thousand units for May.
To know more about demand visit :-https://brainly.com/question/30402955
#SPJ11
Suppose you have three choices as to what to do for two hours on Sunday afternoon: work around the house, earning $3.50 an hour; baby-sit for your neighbor earning $10 an hour; or go to the movies and pay $6 for a ticket. You choose to go to the movies. What is your opportunity cost?
Answer:
the opportunity cost is in the case when you choose to go to the movies is $20
Explanation:
The computation of the opportunity cost is in the case when you choose to go to the movies is shown below:
= Earning per hour × number of hours
= $10 × 2 hours
= $20
Hence, the opportunity cost is in the case when you choose to go to the movies is $20