Marcia purchased a deferred variable annuity and selected two subaccounts, A and B, for the allocation of her $20,000 premium deposit. She directed $15,000 into Subaccount A and $5,000 into Subaccount B. At the time of her purchase, the value of a Subaccount A unit was $15, and the value of a Subaccount B unit was $10. How many total units did Marcia purchase?
Answers
A surrender charge is essentially a cost paid for taking money out of an annuity inside the first certain number of years. This form of cost is occasionally referred to as a "contingent deferred sales charge," or CDSC, for specific types of variable annuities.
What does CDSC for annuities mean?The insurance company may impose a potential deferred sales charge if you take money out of an annuity contract or relinquish the contract soon after investing (CDSC). The CDSC typically represents a portion of the withdrawn purchase payment and decreases gradually over the CDSC period.A variable annuity's total fees range from 2.3 percent to more than 3 percent of the contract value.Variable O-share Annuities : Once the contract is free of surrender fees, these factors lead to costs resembling those of an A-share. By rewarding longer holding periods with lower costs, O-shares' architecture encourages investors to view variable annuities as long-term investments.When selling Class-B fund shares within a certain number of years after the initial purchase date, mutual fund investors must pay a contingent deferred sales charge (CDSC), often known as a fee, sales charge, or load.To Learn more about annuity refer to :
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Related Questions
Think back to a time when you took the initiative to take care of something. Describe the incident below using at least two complete sentences. What was the situation? What did you do that showed initiative?
Answers
While working on a group project at my job, I realized that the deadline was getting closer and some of my coworkers were not finishing their work on time.
What was the initiative?To make sure the project goes well, I arranged a meeting where everyone talked about how things were going and what problems they were having.
Therefore, in regards to the above, I took the lead in making sure that we finished the project on time. I came up with ideas and plans to help us work well together as a team.
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Use the drawing tools to form the correct answer on the graph. Plot function h on the graph. h(x)=-6,1,4. -9
Answers
Note that the required graph for the function is attached accordingly.
What is the nature of the graph ?The function h(x) = x² - 2x - 8 is a quadratic function, which means its graph is a parabola.
The coefficient of x² is positive, which means the parabola opens upward
The x - coordinate of the vertex of the parabola can be found using the formula x = - b/2a, where a and b are the coefficients of x² and x, respectively.
In this case , a = 1 and b = -2, so the x - coordinate of the vertex is x = 2/2 = 1. The y - coordinate of the vertex can be found by evaluating the function at x = 1, which gives h (1) = 1² - 2(1) - 8 = - 9.
Finally, since the coefficient of x² is positive, the function increases without bound as x increases or decreases without bound.
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Full Question:
Use the drawing tool(s) to form the correct answer on the provided graph.
Consider the function below.
h(x) = x^{2] - 2x - 8
Plot the x-intercept(s), y-intercept, vertex, and axis of symmetry of the function.
1. List two ways that the FAFSA4caster can help students and their families plan for college. (2
points)
1.
2.
2. What does SAR stand for and what is it? (2 points)
3. List two types of financial aid that may appear on a college's award letter. (2 points)
1.
2.
4. How much does it cost to submit the CSS/PROFILE and send a report to one college or scholarship
program? How much does each additional report cost? (2 points)
5. How can you position yourself to receive as many scholarship offers as possible? (2 points)
Answers
Answer:
1. List two ways that the FAFSA4caster can help students and their families plan for college.
1. Determine what schools are affordable for you that you should apply to.
2. Make adjustments to your financial situation that allow you to qualify for more federal student aid.
2. What does SAR stand for and what is it? - Specific Absorption Rate and it measures how much radiation is absorbed by the human body under the worst circumstances.
3. List two types of financial aid that may appear on a college's award letter.
1. Need-based grants, including institutional grants, as well as Pell Grants and Federal SEOG Grants. These grants do not need to be repaid.
2. Merit-based scholarships that you have been awarded by the institution. You do not need to repay merit scholarships.
4. How much does it cost to submit the CSS/PROFILE and send a report to one college or scholarship program? How much does each additional report cost? - Unlike the FAFSA, the CSS Profile isn't free. Be prepared for the following costs $25 to submit your CSS profile to a single college or scholarship program. $16 for each additional profile submission.
5. How can you position yourself to receive as many scholarship offers as possible?
1. Treat scholarship applications like a job Finding and applying for scholarships can be time-consuming.2. The more involved, the less competition.3. Look for local scholarships.4. Find scholarships that fit your unique personality.Which of the following best describes one way the Clean Air Act helped reduce air pollution?
А
Implemented a program to manage hazardous and nonhazardous wastes
B
Proposed incentives for countries to reduce carbon emissions
С
Created a fund to aid developing countries in reducing ozone-depleting emissions
D
Introduced regulatory measures to control the amount of lead in fuels
Answers
Answer:B
Explanation:
Answer: D
Explanation: The Clean Air Act (CAA) (42 U.S.C. 7401 et seq.) is a comprehensive federal law that regulates all sources of air emissions.
So the answer is D!
A boy stands on a high-dive that is 4.8 m tall. If the boy has a mass of 66 kg, what is his PE?
Answers
Answer:
3104.64 J
Explanation:
PE = mgh
= (66)(9.8)(4.8)
= 3104.64 J
[i chose gravity as 9.8m/s^2, if you are supposed to round it to 10m/s^2, then it's 3168J ]
The functional residual Capacity is obtained by adding together which of the following respiratory volumes
Answers
Answer:
1800 – 2200 mL. FRC = RV+ERV.
The heat _____________ the molecules. When they had more ____________ they _________________.
Answers
Changing road conditions, traffic signals, pedestrians, changing CDs, and talking with passengers in your vehicle are examples of __________________ that you need to process every time you drive.
Road rage
Continuous information you receive
Unnecessary distractions
Driving skills
Answers
Changing road conditions, traffic signals, pedestrians, changing CDs, and talking with passengers in your vehicle are examples of Unnecessary distractions that you need to process every time you drive.
Why is this so?Distractions include anything that diverts your focus away from driving.
Distracted driving includes sending a text message, conversing on a mobile phone,using a navigation system, and eating while driving. Any of these distractions can put you, your passengers,and others on the road in danger.
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Why does Thane Rosenbaum open his essay with
examples from France and Israel? In what ways
are their free speech laws different from those of
the United States?
Answers
Thane Rosenbaum open his essay with examples from France and Israel because the issue under discussion (Neo-Nazis, free speech) is prevalent in those two locations.
How is France in terms of free speech laws different from United States?The Freedom of expression is one that was said to be included in the Declaration of the Rights. But the freedom of speech in France is known to have its limitations.
The limitations centered around racism, anti-Semitism, racial hatred, and others. While in the U.S., people do have freedom of speech, religion, press, and others.
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Halley's Comet orbits the sun about every 75 years due to the gravitational force the sun provides. The distance between Halley's Comet and the sun when the comet is at aphelion (its greatest distance from the sun) is about 4.5 x 1012 m and the distance at perihelion (or closest approach) is about 5.0 x 1010 m. If the mass of the sun is 1.99 x 1030kg what is the comet's acceleration a) at aphelion? b) at perihelion?
Answers
Answer:
a
Explanation:
solve it
David is seventeen years old and is graduating high school a year early. He has already been accepted to his college of choice, but thinks that broadening his cultural horizons will help him in college. Which of these would be the BEST option for David to meet his goals?
A beginning college immediately in the fallbeginning college immediately in the fall
B joining the military directly after high-school for a year before entering collegejoining the military directly after high-school for a year before entering college
C starting out at a technical school then starting a four year collegestarting out at a technical school then starting a four year college
D taking some time to travel before starting college to experience new cultures
Answers
Answer:
D
Explanation:
I'm not 100 percent sure but if David wants to gather more info on cultures, the best thing to do is travel.
Answer: D
Explanation: Not "A", because you should at least learn about others. Not "B", because joining the military will not allow you to think about college as much. C would be my second choice but you should get a college degree first but you can work then. D is the best choice because you get time to think about that college and others.
Explain the difference between Surface Area and Volume using complete sentences.
Search entries or author
Unread
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Reply
I
Answers
Answer:
The surface area is the area that describes the material that will be used to cover a geometric solid. When we determine the surface areas of a geometric solid we take the sum of the area for each geometric form within the solid. The volume is a measure of how much a figure can hold and is measured in cubic units.
Explanation:
The US society has experienced multiple large-scale protests, riots, shootings and other incidents in the past year, reflecting the deep divisions and conflicts in the US society. Racial discrimination, political polarization, wealth gap, gun violence and other issues have not been effectively resolved, and the new president Biden also faces strong opposition and distrust from the Republicans and the public.
Answers
In the past year, the United States has witnessed several significant events such as protests, riots, shootings, and other incidents that reflect the profound divisions and conflicts within society. These incidents have brought to light ongoing issues including racial discrimination, political polarization, wealth inequality, and gun violence. Despite these challenges, these problems have not been adequately resolved, and they continue to have a significant impact on society.
Additionally, the newly elected President Biden faces substantial opposition and distrust from both the Republican Party and segments of the general public. The deep-rooted divisions in the country contribute to a challenging political landscape, making it difficult to achieve consensus and implement effective solutions.
Addressing these complex issues requires a comprehensive approach that involves dialogue, understanding, and collaboration among different groups and political ideologies. It is crucial to promote inclusivity, social justice, and equality while fostering an environment that encourages constructive discussions and meaningful change. By working towards common goals and addressing the underlying causes of these conflicts, it is possible to move towards a more harmonious and unified society.
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Date: 06/06/23
Child's Name: Ram
Child's Age: 1.5 years
Experience 1: Water Play
Location: Outdoor play area
Rationale: Water play is a sensory-rich experience that promotes exploration, creativity, and fine motor development in young children. It also provides opportunities for social interaction and language development.
Materials needed:
Shallow plastic tub or water table
Water (filled to an appropriate level for the child's age)
Child-friendly water toys (cups, funnels, plastic animals)
Waterproof smocks or bibs
Towels for drying off
Health and Safety considerations for the experience:
Ensure constant supervision to prevent drowning or accidents.
Use clean water and regularly change it to prevent bacterial growth.
Check water temperature to ensure it is not too hot or too cold.
Use child-friendly, non-toxic water toys to avoid any harm if accidentally ingested.
National Quality Standards based on health and safety considerations:
Ensure a safe and supervised water play environment to prevent accidents.
Maintain cleanliness and hygiene by regularly cleaning and disinfecting water toys and play surfaces.
Promote water safety education by discussing basic rules and guidelines with the child.
Physical environment – what do you need to consider, positioning of experience to ensure access for all children:
Set up the water play experience in the outdoor play area on a non-slip surface. Position it away from any hazards such as stairs or uneven ground. Ensure that the water play area is easily accessible for all children, with enough space for multiple children to engage in play simultaneously.
User
Techniques and Intentional Teaching to co-construct meaning with children and sustain interaction
Opportunities for collaborative learning
(E.g. children may wish to add textas to the painting experience to extend on their paintings – i.e. using different mediums)
Link to EYLF
Reflection and Evaluation of Experience
Critically reflect on children’s learning and your pedagogical practice.
What would you change next time with this experience?
Teachable Moments/spontaneous experiences which you used and expand on children’s ideas and skills to refine the curriculum
Answers
During the water play experience, there are several techniques and intentional teaching strategies that can be employed to co-construct meaning with the child and sustain interaction.
How to explain the informationSome of these techniques include:
Active Engagement: Modeling: Language DevelopmentProblem-SolvingCollaborative PlayOpportunities for collaborative learning can arise during the water play experience. For instance, children may decide to work together to build a water channel using the cups and funnels. They may also extend the experience by incorporating additional materials such as textas or paintbrushes to create watercolor art.
These spontaneous experiences provide a platform for children to explore their ideas, collaborate, and refine their skills.
In terms of pedagogical practice, I ensured constant supervision to maintain a safe environment and promoted water safety education by discussing basic rules with Ram. I also encouraged active engagement and modeling, which supported his learning and engagement.
Next time, I would consider incorporating more open-ended materials or loose parts, such as sponges, sieves, or spray bottles, to further enhance the child's exploration and creativity during water play. Additionally, I would focus on intentionally documenting and observing Ram's play to better understand his individual interests, strengths, and areas for further development.
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What is the preferred way to assess heart rate during chest compression of an infsnt
Answers
Explanation:
The preferred way to assess heart rate during chest compressions of an infant is to use a combination of clinical assessment and monitoring devices. The rescuer should check the infant's pulse or heart rate every 2 minutes while performing CPR. In addition, the use of a pulse oximeter can provide continuous monitoring of the infant's heart rate and oxygen saturation levels. However, the use of a pulse oximeter should not replace clinical assessment of the infant's circulation. Waveform capnography can also be used to monitor the effectiveness of chest compressions in increasing blood flow and ventilation during CPR.
can you guys help plss
Answers
Answer:
1.c
2.b
3.d
4.e
5.a
Explanation:
Which of the following items apply to monopoly (choose 2)? HELP NOW PLS!!!
Group of answer choices
firms are price setters
some barriers to entering the market
high barriers to entering the market
firms are price searchers
firms are price takers
no barriers to entering the market
Answers
Answer:
Firms are price setters and high barriers to entering the market. These characteristics are essential indicators of a monopoly market structure where one company dominates the industry and faces few competitors. In contrast, firms in perfect competition face low entry barriers, are price takers, and lack pricing power due to intense rivalry. Oligopolistic markets exhibit only moderately high entry barriers, while both monopolistic and duopolistic structures feature dominant players setting prices. Therefore, the correct answers would be "firms are price setters" and "high barriers to entering the market".
Explain how ONE African state was affected by the Cold War.
Answers
Answer: During the Cold War, many African states were caught in the crosshairs of the global superpower rivalry between the United States and the Soviet Union. One example of an African state that was significantly affected by the Cold War was Angola.
Explanation:
Angola had gained its independence from Portugal in 1975, but shortly after that, a civil war broke out between the People's Movement for the Liberation of Angola (MPLA) and two other factions: the National Union for the Total Independence of Angola (UNITA) and the National Liberation Front of Angola (FNLA). These groups were backed by different foreign powers: the MPLA was supported by the Soviet Union and Cuba, while UNITA and FNLA were supported by the United States and South Africa.
The Cold War rivalry between the United States and the Soviet Union played a major role in exacerbating the conflict in Angola. Both sides saw the conflict as an opportunity to gain influence in Africa, and they provided military aid and other forms of support to their respective proxies in the civil war. The United States and South Africa provided UNITA with weapons and training, while the Soviet Union and Cuba sent troops and military advisers to support the MPLA.
academic advisors are helpful for?
Answers
Answer:
Guide and help students
Explanation:
An academic advisor is responsible for providing educational guidance and assistance for students by planning schedules, recommending courses and determining appropriate education solutions for different types of students.
Which term reflects a concentrated effort by some managers and supervisors to become more sensitive to the needs of employers or treat them in a more kind and humanistic manner?
Answers
Answer:
Human Relations Movement.
Explanation:
Human Relations Movement is a term which reflects a concentrated effort by some managers and supervisors to become more sensitive to the needs of employers or treat them in a more kind and humanistic manner.
Human Relations Movement was founded around the 1930s by Dr. Elton Mayo and sociologist Fritz Roethlisberger based on series of experiment called the Hawthorne Studies.
The Hawthorne Studies was a study that centered around the employees that were working at the Hawthorne plant of the Western Electric Company and it was conducted in the 1920s by Elton Mayo and Fritz Roethlisberger.
Basically, the study was focused on examining the socio-psychological aspects of human behavior (employees) working in a business firm or an organization.
The main purpose of the Hawthorne Studies was to analyze, examine and determine how various aspects of the work environment in an organization which typically includes social factors such as break time, lighting, and duration of work hours have on the level of productivity (performance) of employees.
what is the meaning from John Lockes EXCERPT
“if [men are] absolute lord of [their] own person and possessions, equal to the greatest and subject to nobody, why will [men] part with [their] freedom, his empire, and subject himself to the dominion and control of any other power? To which it is obvious to answer, that though in the state of Nature [men] hath such a right, yet the enjoyment of it is very uncertain and constantly exposed to the invasion of others; for all being kings as much as he, every man his equal, and the greater part not strict observers of equity and justice, the enjoyment of the property he has in this state is very unsafe, very insecure”
Answers
Jorge's production possibilities schedule demonstrates that
A. Green beans have a trade-off with corn, but corn does not have a trade-off with green beans
B. Green beans do not have a trade-off with corn, but corn has a trade-off with green beans
C. There is no trade-off between corn and green beans
D. Both corn and green beans require a trade-off
Answers
Answer: D. Both corn and green beans require a trade-off
Explanation:
Trade off simply means that for one to gain or have an increase with regards to a particular thing, thus will lead to the decrease or reduction in something else.
We should also note that the production possibility curve shows how two goods which are green beans and corn in this case can be efficiently used while making use of the resources that are made available for that particular economy.
In this case, we can see that as the pounds of green bean increase, the pound of corn reduces. This shows that both corn and green beans require a trade-off
Freshly oxygenated blood enters the heart through the_____ and is
pumped out the____
Answers
Answer:
Freshly oxygenated blood enters the heart through the pulmonary vein into the left atrium and is pumped out the left ventricle through the aorta.
Explanation:
Deoxygenated blood is collected from all over the body by the superior and inferior vena cava and enters the top-right chamber of the heart called the right atrium. This blood then flows into the right ventricle where it is carried by the pulmonary artery to the lungs for oxygenation. The oxygenated blood is then carried back to the heart by the pulmonary vein and enters the top-left chamber of the heart called the left atrium. This blood then flows into the left ventricle which pumps the blood into the aorta which carries oxygenated blood to all the other parts of the body.
Freshly oxygenated blood enters the heart through the left atrium and is pumped out the lungs through the pulmonary veins.
Arteries are responsible for carrying this blood from the human heart. The veins on their own part carry blood that has been depleted of oxygen back to the heart.
The oxygenated blood is helpful to the body becasue it aids respiration.
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Armed with cameras and cell phones, they were invading the lions' territory in hopes of capturing the perfect photograph.
The author uses several verbs to describe the tourists' actions. The connotative tone of these verbs implies that the photographers are
hunters
reporters
scientists
students
Answers
Answer:
It Is not Reporters
Explanation:
I did the test and got it wrong.
explain the effect of a slowdown in the supply of the widgets
Answers
Answer:
A slowdown in the supply of widgets would have the main effect of increasing their amount.
This would be because as a consequence of the slowdown, fewer products would be put up for sale. Thus, customers would have less access to them, with which their price would increase to filter this excess demand, as well as to equalize the productivity of sellers.
This situation would be temporary, and would return to its normal price once the usual offer of widgets is restored.
Jeff's grandmother lives in Florida and wants to stay connected with her family in Michigan. What is a tool she can use to BEST stay connected?
OA social roles
ОВ.
role strains
OC.
social networks
OD
role conflicts
Answers
Answer:
social networks
Explanation:
Question 3 of 10
An appeals court will hear an appeal in a civil case only if:
A. new witnesses have come forward with new information.
B. the damages in the case are considered extremely high.
C. the verdict was delivered by a single judge instead of a jury.
D. there was some kind of legal problem during the first trial.
SUBMIT
Answers
An appeals court will hear an appeal in a civil case only if: D. there was some kind of legal problem during the first trial.
What is an appellate court?An appellate court is also known as court of appeals and it can be defined as a court of law of the judicial system that is empowered by law (jurisdiction), and saddled with the responsibility of hearing and reviewing an appeal of a trial-court or other lower court (tribunal).
This ultimately implies that, all appellate courts are empowered by law to review both questions of fact and questions of law. The appellate court can review questions of law as "De novo" or plenary review (legal error standard).
In this context, we can infer and logically deduce that an appeals court will hear an appeal in a civil case only if there was some kind of legal problem during the first trial.
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Which is a phrase? A. "because she likes soup" B. "after the restaurant closed" C. "my best friend" D. "the tree fell"
Answers
Answer:
it is D
Explanation:
the reason why is because its a full sentance!
the sun is located at one of two__ in the shape of earth orbital path
Answers
The answer would be Foci
AP ENVIRONMENTAL SCEIENCE PLEASE HELP
You replace a 100-watt light bulb with a 25-watt compact fluorescent bulb. Over a 10,000 hr life, how much
energy, in kilowatt-hours, do you save? If electricity costs $0.15 per kilowatt-hour how much money do you
save? Show all work and highlight your answer.
Answers
Answer:
You can save a total of 750 kWh of energy and $112.50 in electricity costs over the lifetime of the bulbs.
Explanation:
To calculate the energy saved by replacing a 100-watt light bulb with a 25-watt compact fluorescent bulb, we need to first determine the difference in power consumption between the two bulbs. The 100-watt bulb consumes 100 watts of power, while the 25-watt compact fluorescent bulb consumes 25 watts of power. Therefore, the difference in power consumption between the two bulbs is 100 watts - 25 watts = 75 watts.
Next, we need to determine the total number of hours that the light bulbs are used. In this case, the light bulbs are used for a total of 10,000 hours over their lifetime.
To calculate the energy saved, we need to multiply the difference in power consumption (75 watts) by the number of hours the light bulbs are used (10,000 hours). This gives us a total energy savings of 75 watts * 10,000 hours = 750,000 watt-hours, or 750 kilowatt-hours (kWh).
To determine how much money you save by using the 25-watt compact fluorescent bulb instead of the 100-watt light bulb, we need to multiply the total energy savings (750 kWh) by the cost of electricity ($0.15 per kWh). This gives us a total savings of 750 kWh * $0.15/kWh = $<<750*0.15=112.50>>112.50.
Therefore, by replacing a 100-watt light bulb with a 25-watt compact fluorescent bulb, you can save a total of 750 kWh of energy and $112.50 in electricity costs over the lifetime of the bulbs.