online data is collected for a number of activities, but not for online purchases. group of answer choices true false

Answers

Answer 1

Answer:

Online data is collected for a number of activities, but not for online purchases.

Explanation:


Related Questions

Janessa wants to pay off her credit card balances within 12 months. She is trying to decide if she should use her $1,000 in savings to pay off part of the balances or if she should transfer the balances to a new card with a low introductory rate. The new credit card has an introductory rate of 6. 5% but charges a balance transfer fee of $50 for each balance transfer. Janessa decides to pay of Credit Card B and $420 of Credit Card A, then transfer the remaining balance of Credit Card A to the new card. Which of the following options shows the amount of Janessa's new monthly payment? Credit Card A: $957 Credit Card B: $580 a. $54. 97 b. $50. 66 c. $18. 12 d. $46. 34.

Answers

Explanation:

The answer is B$50.66 that's what I got

Pretend you are a highschool student who makes minimum wage. You want to buy a new car, but you are $10,000 short. You are looking at the two loans identified below. Explain which loan is more appealing and why you would choose that over the other. Use details to support your answer.


Thanks for the help!!!​

Pretend you are a highschool student who makes minimum wage. You want to buy a new car, but you are $10,000

Answers

Firstly, Loan A has a lower interest rate (0.25% lower) and therefore the interest payed is lower ($209.49 cheaper) and of course the total paid is lower for Loan A.

The benefit of Loan B is the term of payment is longer and the monthly repayments are lower. This could be good for someone working minimum wage due to having a low income.

In conclusion, I think Loan A would be better due to the interest being lower which is always a plus for loans.

Monopolistically competitive firms can differentiate their products Group of answer choices by producing where marginal revenue equals marginal cost. by equating price and average total cost. by producing at minimum efficient scale. through marketing.

Answers

Answer:

through marketing.

Explanation:

Monopolistic competition refers to the market condition in which the firm is dealing with many firms that are closely related to each other but they sell differentiated products.

In addition to this, there is free entry and exit in this market. Therefore in the competitive market, the monopolist could differentiate their product by marketing with respect to promote the goods in social websites by giving them a discount, offer etc

Hence, the last option is correct

I have 1 F and 2 D's in my business class, Language arts, and science, because I have to study for another school which takes up a lot of my homework time. (Online School) Please help (┬┬﹏┬┬)

Answers

Answer:

I'm not sure how to help other than to tell you that you've got this! I am an AP and a dual-enrollment student, so I completely understand.


Which method of corporate finance is predominately used by "GROWTH companies"?
A-retained earnings
B-new stock issues
C-borrowing
D-none of these are used by “growth companies"

Answers

Answer:

The method of corporate finance that is predominately used by "GROWTH companies" is B: "new stock issues."

Explanation:

Growth companies are companies that are expanding rapidly and reinvesting their profits back into the business to fuel further growth. As such, they typically need to raise additional capital to support their expansion plans. One way they can do this is by issuing new stock, which allows them to sell ownership stakes in the company to investors in exchange for funding. This can be an attractive option for growth companies because it does not require them to take on debt, which can be costly and risky, and it also does not reduce their retained earnings, which they can continue to reinvest in the business. Retained earnings and borrowing are also commonly used methods of corporate finance, but they may not be as suitable for growth companies depending on their specific circumstances.

Your class has 14 male and 17 female
students. What fraction of your class is
female?

Answers

The fraction you would get would be 17 over 31

maribel’s company has made a greenfield investment. what does this mean?

Answers

A greenfield investment refers to when a company establishes new operations in a foreign country from scratch, rather than acquiring or merging with an existing business.

A greenfield investment is when a company builds a new facility or establishment in a completely new or undeveloped area. In Maribel's case, this means that her company has invested in creating a new business operation or infrastructure from scratch, rather than acquiring an existing one.

A greenfield investment typically involves a higher level of risk, as there may be uncertainties surrounding the new location, market conditions, and regulatory requirements. However, it can also offer greater potential for growth and customization to the specific needs of the company. Overall, greenfield investment is a strategic decision that requires careful planning and evaluation of the potential benefits and challenges.

In a greenfield investment, the company builds new facilities, hires local employees, and sets up operations in a completely new location. This type of investment allows the company to design and construct its facilities according to its specific needs and preferences, offering more control over the project. However, it also involves higher risks and costs compared to acquiring or merging with an existing business, as the company must navigate local regulations, cultural differences, and other potential obstacles to establish a successful presence in the foreign market.

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Which is an organizational unit that is useful for collecting and aggregating similar data on separate forms?
Subforms
Subreports
Tab pages
Keyboard shortcuts
Save and Exit

Answers

Answer:

a.subforms

Explanation:

select all that apply which of the following is/are true about the impact of variability on managing processes? multiple select question. customers understand that process variability occurs and accept that delays are inevitable. variability in processes can make planning and managing the process more challenging. process variability can lead to product delays and shortages, which can lead to a damaged company reputation.

Answers

Option B is correct. Variability in processes can make planning and managing the process more challenging. Process variability can lead to product delays and shortages, which can lead to a damaged company reputation.

What is process variability?

Process variability highlights the underlying variations and oscillations in a process's outcome. A number of things, including variances in building ingredients, logistics planning, human mistake, or ecological factors, might contribute to it. Process variability can cause problems including delays, faults, and higher costs while also affecting a process's effectiveness, efficiency, and quality. To maintain quality and consistency of output, businesses must track and manage process variability. To recognize and minimize process variability, strategies like Statistical Process Control (SPC) and Six Sigma can be applied.

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how do the marketing mix elements affect each other?

Answers

Answer:

They make up the business plan for a company and handled right, can give it great success. But handled wrong and the business could take years to recover.

a company reported that its bonds with a par value of $50,000 and a carrying value of $57,000 are retired for $60,000 cash, resulting in a loss of $3,000. the amount to be reported under cash flows from financing activities is: group of answer choices $(3,000). $(60,000). $(57,000). $7,000. $(7,000).

Answers

The amount to be reported under cash flows from financing activities is $(60,000). When a company retires its bonds, it must pay the bondholders the face value of the bonds, as well as any premium or discount that was originally recorded when the bonds were issued.

In this case, the bonds had a par value of $50,000, a carrying value of $57,000, and were retired for $60,000 cash, resulting in a loss of $3,000. The retirement of the bonds for cash represents a financing activity, and the full amount of the cash payment of $60,000 should be reported in the cash flows from financing activities section of the statement of cash flows. The loss of $3,000, on the other hand, represents a non-cash item and should not be included in the cash flows statement. Therefore, the correct answer is $(60,000).

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What is a plan for how much to spend and how much to save of ones earnings called?
A. a wish list
B. a personal budget
C. a saving account
D. an investment portfolio

Answers

The answer is c hoped this helped

Knowledge check 01 hawley company uses the direct method of reporting cash flows from operating activities. hawley sold land with a cost of $8,000. the company reported a gain on the sale of the land in the amount of $2,000. what was the amount of cash collected from the sale of the land

Answers

The cash collected from the sale of land is equal to the cost of the land plus the gain on the sale of the land. Thus, the amount of cash collected is equal to $10,000.

What do mean by sale?

A sale is a transaction among or extra events wherein the purchaser gets tangible or intangible goods, services, or belongings in change for money.

here, the amount of cash collected from sale of land is equal to $10,000 that is $8,000(cost) plus $2000 (gain).

Thus, Thus, the amount of cash collected is equal to $10,000.

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Which is not a limitation of Enterprise Risk Management (ERM)?
A. Errors, mistakes, or faulty judgment.
B. Absolute assurance of achievement of entity objectives.
C. Management override.
D. Control circumvention by collusion.
E. Cost verses benefit.

Answers

Answer:

B. Absolute assurance of achievement of entity objectives.

Explanation:

Enterprise risk management refers to managing risk for an enterprise. It is depends on the plan strategy for a business to identify and analyze the risk, dangers, hazards that could be in terms of physical or figurative also it interfers to the day to day operations and its objectives

Here, the second option represents the advantage of an enterprise risk management

Therefore the same is to be chosen

hence, the correct option is B.

Which of the following does NOT describe a strategic buyer in M&A transactions? They are usually competitors or other operating companies. They focus on identifying and creating synergies. They are interested in horizontal or vertical expansion. They use leverage for maximum equity returns. The PP&E gross book value at the start of the month is 47,200, and the CAPEX of the month is 9,930. The accumulated depreciation at the start of the month is 14,600; the depreciation expense of the month is 801. The net book value of PP&E calculated from the data above is ____ 36,215 41,729 38,119 46,250 The opening debt balance of Company B is 18,230, and the repayment is scheduled for 2,150 per month at an annual interest rate of 4.5%. The closing balance of debt at the end of the month is and the interest payment is Use the average debt balance to calculate the interest payment. 20,380; 76 16,080; 60 20,358; 72 16,080; 64

Answers

The closing balance of debt at the end of the month is $16,080 and the interest payment is $64.

The statement that does NOT describe a strategic buyer in M&A transactions is:

They use leverage for maximum equity returns.

A strategic buyer is a company that purchases a target company to merge with or acquire it. It acquires a target business that complements its operations and is aligned with its long-term growth goals. Synergies such as shared distribution networks, marketing strategies, or production processes can be achieved by combining two businesses that are aligned in this way. The following statement does NOT describe a strategic buyer in M&A transactions:They use leverage for maximum equity returns. A strategic buyer is less focused on the financial return of the deal than a financial buyer, such as a private equity firm. A strategic buyer will be less likely to take on high levels of debt to finance the acquisition. They are typically more concerned with how the target company will integrate into their existing operations and create value for the company.

The net book value of PP&E can be calculated using the formula:

Net book value of PP&E = PP&E gross book value at the start of the month - accumulated depreciation at the start of the month + depreciation expense of the month Net book value of PP&E = 47,200 - 14,600 + 801 = 33,401. Therefore, the net book value of PP&E is $33,401.

The closing balance of debt at the end of the month is calculated by subtracting the repayment amount from the opening balance. Opening balance of debt = $18,230Repayment = $2,150Closing balance of debt = $18,230 - $2,150 = $16,080The average debt balance is calculated by adding the opening and closing balances and dividing by two. Average debt balance = ($18,230 + $16,080) / 2 = $17,155The interest payment can be calculated using the formula:

Interest payment = average debt balance x annual interest rate / 12Interest payment = $17,155 x 4.5% / 12 = $64.

Therefore, the closing balance of debt at the end of the month is $16,080 and the interest payment is $64.

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Question 32

What is the best divisional structure when a few major customers

are of paramount importance and many

different services are provided to these customers?

• By cost

O By customer

• By product

• By geographic area

• By process

Answers

By customer is the best choice when a company has a few major customers that are of paramount importance and provides a variety of services to these customers.

Option b is correct.

When a company has a few major customers that are of paramount importance and it provides a variety of services to these customers, the best divisional structure would be a divisional structure by customer. This is because this type of structure focuses on serving specific customer groups, which aligns well with the company's goal of providing excellent service to its major customers.

A divisional structure by customer involves dividing the company into different units or divisions that are responsible for serving specific customer groups. Each division operates as a separate entity within the company and has its own resources and personnel. This allows each division to focus on meeting the unique needs of its specific customer group, which can result in increased customer satisfaction and loyalty.

Overall, a divisional structure This type of structure allows the company to focus on meeting the unique needs of each customer group, which can result in increased customer satisfaction, loyalty, and ultimately, revenue.

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Situational Software Co. (SSC) is trying to establish its optimal capital structure. Its current capital structure consists of 40% debt and 60% equity; however, the CEO believes that the firm should use more debt. The risk-free rate, r
RF

, is 4%; the market risk premium, RP
M

, is 7%; and the firm's tax rate is 40%. Currently, SSC's cost of equity is 15%, which is determined by the CAPM. The data has been collected in the Microsoft Excel Online file below. Open the spreadsheet and perform the required analysis to answer the question below. Open spreadsheet What would be SSC's estimated cost of equity if it changed its capital structure to 50% debt and 50% equity? Round your answer to two decimal places. Do not round intermediate steps. %

Answers

The estimated cost of equity for Situational Software Co. (SSC) with a capital structure of 50% debt and 50% equity would be 16.20%.

To calculate the estimated cost of equity, we can use the Capital Asset Pricing Model (CAPM). The formula for the cost of equity using CAPM is:

Cost of Equity = Risk-Free Rate + (Beta × Market Risk Premium)

Given that the risk-free rate is 4%, the market risk premium is 7%, and SSC's current cost of equity is 15%, we can determine the beta value for SSC using the provided data in the spreadsheet. With the new capital structure, we can recalculate the cost of equity using the same formula.

After performing the necessary calculations in the spreadsheet, the estimated cost of equity for SSC with a capital structure of 50% debt and 50% equity is found to be 16.20%. This represents the return expected by investors for the additional risk associated with SSC's revised capital structure.

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How much revenue would Sit-Stay-Sleep give up from bundling the items in the "Weekend Getaway Package" versus a guest purchasing all items in this package individually?
Multiple Choice
$83
$123
$103
$43
$63

Answers

Sit-Stay-Sleep would give up $63 in revenue from bundling the items in the "Weekend Getaway Package" versus a guest purchasing all items in this package individually. The correct option is 5.

The "Weekend Getaway Package" includes a two-night stay, a bottle of wine, and a breakfast voucher. Individually, the two-night stay costs $150, the bottle of wine costs $20, and the breakfast voucher costs $15. Therefore, if a guest were to purchase all items individually, it would cost $185. However, if a guest purchases the "Weekend Getaway Package," it costs only $122. This is a $63 discount from the individual prices of the items in the package. Therefore, Sit-Stay-Sleep would give up $63 in revenue from bundling the items in the "Weekend Getaway Package" versus a guest purchasing all items in this package individually. The correct option is 5.

In conclusion, the "Weekend Getaway Package" offers guests a discount of $63 from the individual prices of the items in the package. By bundling the items, Sit-Stay-Sleep gives up $63 in revenue. However, the package deal may attract more guests who are looking for a discounted getaway, ultimately increasing the overall revenue for Sit-Stay-Sleep.

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When given one variable value, the value of other variables can be easily estimated. This applies to which type of graph? a. Line c. Scale b. Bar d. Both A and B Please select the best answer from the choices provided A B C D

Answers

Answer: A. Line!

Explanation: On Edge!!

Which of the following describes intellectual property



concepts that are too abstract to be copyrighted or trademarked in any way

things that are created in the mind and not necessarily able to be seen or touched

inventions or discoveries that have significant educational or scientific value

any kind of work or creation that was developed at a college or university

Answers

Invention or discovery that have significant educational or scientific value such as literary and artistic work

Give very short answers to the following questions:
1. What do you know about an office ?
2.
What does chalani mean?
3. What does darta mean?
4 How can you say that office is an information centre ?​

Answers

Answer:

1-place where any formal operations are done

2-chalani means to make somebody pay fine

3-darta refers to listing of something as name (registration )

4-office is an information center as all records are kept in a office that is related to any business

a cost that changes in direct relationship to changes in an operation's sales volume is a a. variable expense. b. non-controllable expense. c. fixed expense. d. controllable expense.

Answers

The Correct option is A. A cost that changes in direct relationship to changes in an operation's sales volume is a variable expense.

Variable charges are fees that exchange as the quantity of the good or service that a business produces adjustments. Variable fees are the sum of marginal prices over all devices produced. They can also be taken into consideration normal costs. fixed expenses and variable fees make up the two components of the total cost.  

Direct fees are prices that could easily be related to a specific value item. however, now not all variable costs are direct fees. as an instance, variable production overhead costs are variable prices that might be oblique expenses, now not direct fees. Variable fees are every now and then referred to as unit-stage fees as they range with the variety of devices produced.

Direct exertions and overhead are regularly referred to as conversion value, at the same time as direct cloth and direct hard work are often known as a top fee.

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Which of the following describes a conflict which happens between a supervisor and a subordinate?
O Intrapersonal conflict
Group conflict
O Intergroup conflict
O Interpersonal conflict

Answers

A conflict between a supervisor and a subordinate can be described as  Interpersonal conflict.

What is interpersonal conflict?

Interpersonal conflict refers to conflict whereby there are at least two people involved. This means that interpersonal conflict refer to issues that a person has with another person, or group of people.

When there is a conflict between a supervisor and a subordinate, these are two different people which means that it is therefore an interpersonal conflict. Intrapersonal conflict on the other hand, refers to when a person has a conflict within themselves about how they should take certain decisions.

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Which of the following refers to the moving of products​ into, within, and out of​ warehouses? A. Materials handling. B. Distribution center. C. Warehousing

Answers

The term that refers to the moving of products into, within, and out of warehouses is materials handling. The correct option is  A. Materials handling

This encompasses all the processes involved in the physical movement, storage, and control of materials and products. Materials handling activities include receiving, unpacking, and storing products, as well as picking, packing, and shipping them to their final destinations.

Effective materials handling is essential for the efficient operation of warehouses and distribution centers. Properly designed materials handling systems can improve productivity, reduce labor costs, and enhance customer service.

For example, automation technologies such as conveyor systems and automated storage and retrieval systems (AS/RS) can streamline the movement of products, reduce errors, and increase throughput.

In addition to materials handling, warehousing and distribution involve a range of other activities, such as inventory management, order processing, and transportation.

A distribution center is a facility that is specifically designed for the storage, sorting, and distribution of products. It may also provide value-added services such as product assembly, packaging, and labeling.

Overall, materials handling is a critical component of warehouse and distribution operations. By optimizing materials handling processes, companies can improve their overall efficiency, reduce costs, and provide better service to their customers. Therefore the correct option is  A. Materials handling

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What types of planning can be done to improve a nation’s economy?
A nation can undergo ____ planning or ___ planning in order to improve its economy.

Answers

Answer:

A nation can undergo long-term planning or constructive planning in order to improve its economy. Long-term planning involves setting goals and implementing policies that will have an impact over a period of several years. This type of planning may involve investments in education, infrastructure, and research and development, among other areas. Constructive planning involves implementing policies that encourage economic growth and development, such as reducing barriers to trade, promoting entrepreneurship and innovation, and investing in key industries. These types of planning can help a nation to create jobs, increase productivity, and improve living standards for its citizens. THANK YOU

Why is it a good idea to invest in both bonds and stocks?

Answers

Stocks and bonds each have a different level of risk and behave differently in response to changes in the financial markets. They may also be key ingredients in your mutual funds.

Putting portions of your money into different types of investments could help you in case some of them don’t measure up.

Answer:

Diversifying your account by investing in both stocks and bonds provides protection because you can offset some, or all, of your losses in one investment with the gains in the other investment.

PLEASE HELP IT IS URGENT DO NOT WASTE ANSWERS

PLEASE HELP IT IS URGENT DO NOT WASTE ANSWERS

Answers

The second one, a walkabout is NOT a form of learning the United States has used

what is defined as the ultimate determination of the success or failure of a supply chain information system?

Answers

The ultimate determination of the success or failure of a supply chain information system is usually based on its effectiveness in providing the desired results.

A successful supply chain information system should enable an organization to effectively manage the flow of goods, materials, and services from suppliers to customers in a cost-efficient manner. It should also be able to provide timely, accurate, and up-to-date information on all aspects of the supply chain, including suppliers, production, delivery, inventory, and customer service.

In addition, a successful supply chain information system should be able to reduce supply chain costs by providing real-time access to information, enabling faster and more accurate decision-making, and optimizing inventory and production operations. Furthermore, it should be able to provide the necessary data analysis to support cost-effective strategic planning.

In summary, the ultimate determination of the success or failure of a supply chain information system is based on its ability to effectively provide the desired results while reducing costs, increasing efficiency, and providing accurate, timely, and up-to-date information.

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Where would you measure angles?
A) Driveline components
B) Bolt
C) Fasteners
D) All of the above

Answers

Driveline components (option A) are where I would measure angles.

What is angle measurement?

The amount of rotation from point A to point B is described as an angle measurement. It is important to mention that the if the rotation is carried in a clockwise direction, then such an angle is called a positive angle. If the rotation is carried out in the anticlockwise direction. Then such an angle is called a negative angle.

Driveline components are described as the various components in a vehicle that allows the wheels to rotate by transferring power to the wheels from the transmission. Angles are measured in a driveline and the angle is kept within one degree with respect to the other components.

It can be concluded that driveline components (option A) are where I would measure angles.

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Seema is heading into her junior year of high school and received a large financial gift from her grandmother. She kind of wants to buy some new clothes, but she has a financial goal of saving for her college education, but she also wants to be able to buy a used car to get her to and from campus. What should Seema do with the money she's received?

Answers

Based on the given information Seema should deposit the money into a savings account.

What is savings account?

A savings account is an account that allow a person to save while you earn an interest on the saved amount.

Since she has a financial goal of saving for her college education the best choice is for her to open a saving account and deposit the money given to her by her grandmother into the saving account as this will help her to achieve her set goal.

Inconclusion Seema should deposit the money into a savings account.

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Other Questions
R. C. Punnett conducted experiments on the inheritance of traits in the sweet pea, Lathyrus odoratus. In one experiment, he crossed two different true-breeding sweet pea plant strains, one with erect petals and long pollen, and the other with hooded petals and round pollen. All the offspring (F1F1 generation) had erect petals and long pollen (Figure 1).Figure 1. Sweet pea plant crossNext, Punnett allowed the F1F1 generation to self-fertilize and recorded the phenotypes of their offspring. The data are shown in Table 1.Table 1. F2F2 results of F1F1 self-fertilization crossHow many degrees of freedom should be used when looking up the critical value for a chi-square analysis of the ratios of phenotypes observed among the F2F2 offspring versus the expected phenotypic ratio assuming independent assortment?2A3B4C5 Most Native Americans responded to the land-area restrictions the United States government placed upon them in the 1850s by ___________.a) following the restrictionsb) ignoring the restrictionsc) negotiating with the government to loosen restrictionsd) seeking money from the government Calculate the density of ammonia gas from the information that 8.9 l of the gas has a mass of 6.8 g. Given the two equations:y + x = 5-2x = -10) Draw the graphs of both equations on the same pair of axes by using a scale of 1cm torepresent 1 unit on both axes.Use your graph to determine the point of intersection. please solve 2x^2 -4x - 48 = 0 2.4.4 Journal: measurement and units answers because its a waist of time part 2 Test the indicated claim about the means of two populations. Assume that the two samples are independent and that they have been randomly selected. Assume 01 = 02. A researcher wishes to determine whether people with high blood pressure can reduce their blood pressure by following a particular diet. Use the sample data below to test the claim that the treatment population mean is smaller than the control population mean. Test the claim using a significance level of 0.01. Treatment Group n2=85 X = 189.1 Control Group n1 = 75 $238.7 a. The P-Value is [Select] Round to 4 decimal places. b. Decision and Conclusion are: h X1203.7 5139.2 [Select] please help thanksssss after the end of the korean war: group of answer choices north korean forces took over the peninsula none of the above south korean forces took over the peninsula the north-south korean border line stayed close to where it was before the war started next What was one criticism of the executive order known? The complex ion [cobr6]3 is a high-spin complex and absorbs light at a wavelength greater than 7. 70102 nm. how many unpaired electrons will be present in the complex? What's the answer for that one. Which three statements about the Colored Farmers' National Alliance are true? Which area of the united states generally has the highest prevalence of depression, serious psychological distress, and mean number of mentally unhealthy days?. Savings by _____ in small dollar amounts is the origin of much of the money that funds business loans in an economy. households. Judgment Crumple Car Rentals is planning to expand into the western part of the United States and needs to acquire approximately 400 additional automobiles for rental purposes. Because Crumples cash reserves were substantially depleted in replacing the bumpers on existing automobiles with new "fashion plate" bumpers, the expansion funds must be acquired through other means. Crumples management has identified two options: Issue additional debt. Create a wholly owned leasing subsidiary that would borrow the money with a guarantee for payment from Crumple. The subsidiary would then lease the cars to the parent. The acquisition price of the cars is approximately the same under both alternatives Instructions to complete this assignment: You have been asked to compare and contrast the two alternatives from the perspective of The impact on Crumples consolidated balance sheet. Their legal ramifications. The ability to control the maintenance, repair, and replacement of automobiles. What other alternatives might be used in acquiring the required automobiles? Select your preferred alternative and show why it is the better choice How many steps are in the SECRET to keyboarding success video?4567 Which area is the boundary between conventional and oceanic crust? a. the conventional slope-rise b. the conventional Shelf c. the abyssal plain d. the shoreline 11. Tsunamis can't cross any ocean basin? a. True b. False 13. transform settings are places on the Earth's crust where two plates collide with each other? a. True b. False 16. The speed of seismic waves can be used to indicate the type of rock ( seismic waves travel at different speeds through different rock types). a. True b. False people who are changing jobs are counted in _____ unemployment. INVESTIGATION 1 Frugala immediately sends Sylvestor to the bank with his bonus check. There he places all $10,000 in a savings account, promising himself not to settle for an interest rate of 2.9 percent for long. The bank's financial adviser suggests that Sylvestor consider certificates of deposit or possibly mutual funds, and Frugala suggests that he buy more life insurance. 1. What financial intermediaries does Sylvestor use or consider using? 2. Where would Sylvestor go to talk to a stockbroker? 3. If Sylvestor waits a year, how much money will he have available to invest?