when the life insurance policy's cash value equals the face amount of the policy and the proceeds are paid to the policyowner, this is known as the policy's Endowment.
What is Endowment policy?
Endowment life insurance products provide a lump sum payment at maturity by combining term life insurance with a savings plan.
Consumers should examine the fine print before determining whether this is how they wish to invest for their children's education even if they are occasionally advertised as college savings programs.
Prepaid tuition and 529 plans are two more college savings choices that could provide advantages that endowment life insurance does not.
A specialist insurance policy known as endowment life insurance sometimes goes under the guise of a college savings program. As long as you continue to make the set monthly payments, the endowment life insurance policy guarantees a return that is free from danger and will occur on a specific date.
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a company will have to pay a $50,000 liability in 4 years. how much must be deposited now into a bank account earning 8% compounded semiannually to fully fund the future payment?
The amount that must be deposited now into a bank account earning 8% compounded semiannually to fully fund the future payment of a company will have to pay a $50,000 liability in 4 years is $36,470.69.
The formula used to solve for the present value of the liability is the future value formula.FV = PV(1 + r/n)^(nt)FV represents the future value, PV represents the present value, r represents the interest rate, n represents the number of compounding periods per year, and t represents the time in years.
FV represents the future value, r represents the interest rate, n represents the number of compounding periods per year, and t represents the time in years.The given liability amount is $50,000, and the interest rate is 8%. Since the interest is compounded semiannually, the compounding period is 2, and the time to maturity is 4 years.
Therefore, substituting the values into the formula, the present value of the liability is calculated as;PV = FV/(1 + r/n)^(nt)PV = 50000/(1 + 0.08/2)^(2*4)PV = 36,470.69.Therefore, the amount that must be deposited now into a bank account earning 8% compounded semiannually to fully fund the future payment is $36,470.69.
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Suppose a drought in australia has seriously impaired agricultural productivity. How would that impairment in productivity affect short-run aggregate supply?
Suppose a drought in australia has seriously impaired agricultural productivity. This impairment in productivity affect short-run aggregate supply by causing the short-run aggregate supply curve to shift to the left.
The aggregate supply curve shifts to the left as the price of key inputs rises, making a combination of lower output, higher unemployment, and higher inflation possible to shift to the left.
The aggregate supply model is a model which shows what determines total supply for the economy and how total supply interact at the macroeconomic level.
The aggregate supply curve shifts to the right as productivity increases or the price of key inputs falls, which will make a combination of lower inflation or higher output, as well as the lower unemployment is possible.
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What are the dangers associated with having a high national debt?
Answer:
Explanation:
Lower income and economic opportunities for the people. Might lose investors and business opportunities.
Which of the following accounting requirements was instituted in 2002 as a
result of the Sarbanes-Oxley Act?
A. A full external audit to be conducted every other year
B. A clear division between business and government accounting
techniques
C. Both an internal control report and an external audit
D. Both an internal accounting audit and an external control report
Answer:
A. A full external audit to be conducted every other year
Explanation:
For federal income tax purposes, ____________ is equal to the tax base. gross income adjusted gross income taxable income. both adjusted gross income and taxable incom
For the purpose of the federal income tax purpose, the taxable income is equal to the tax base.
What is a tax?A tax simply means a compulsory financial levy that is imposed on a taxpayer by a governmental organization to fund government expenditures.
For federal income tax purposes, the taxable income is equal to the tax base. The tax base simply means a total amount of assets that can be taxed by the government. The tax base is used for the calculation of tax liabilities.
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An individual started the corporation by herself and she alone acted to poison the cake, using the corporation's name. The corporation is solely liable.
True
False
The bank pays you _______________ for your money held on deposit. a) investment b) attention c) debit d) interest
You are planning a forest management program for even-aged loblolly pine to be planted this year and harvested in 35 years. You plan to spend $100 per acre to fertilize the trees at age 20. What increase in the harvest income per acre (age 35) must the fertilization produce in order for you to earn 6% increase on your fertilization expenditure?
To calculate the increase in harvest income per acre that the fertilization must produce in order to earn a 6% increase on your expenditure, we need to consider the time value of money and calculate the future value of the fertilization expenditure at a 6% interest rate.Given:Expenditure for fertilization = $100 per acre.
Time period = 35 years.
Desired increase on expenditure = 6%.
First, let's calculate the future value of the fertilization expenditure after 35 years with a 6% interest rate. We can use the formula for the future value of a single sum:
Future Value = Present Value * (1 + Interest Rate)^Time
Future Value = $100 * (1 + 0.06)^35
Future Value = $100 * (1.06)^35
Future Value = $100 * 5.744617...
The future value of the fertilization expenditure after 35 years is approximately $574.46.
Now, we want to determine the increase in harvest income per acre that will allow us to earn a 6% increase on the fertilization expenditure. This increase in harvest income will be the difference between the future value and the original expenditure.
Increase in Harvest Income = Future Value - Expenditure
Increase in Harvest Income = $574.46 - $100
Increase in Harvest Income = $474.46
Therefore, in order to earn a 6% increase on the fertilization expenditure of $100 per acre, the increase in harvest income per acre at age 35 must be approximately $474.46.
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1: "How did Great Buy handle the return?" asks Sam.
"They promptly sent us two replacement monitors on October 10, as soon
as we returned the damaged ones," Monique replies. "And on October 28,
they sent us an invoice for the entire order. We paid them with a check that
same day."
Monique shows Sam the invoice from Great Buy, which reflects the two
replacement monitors that Berthold's received after returning the damaged
ones and asks him to process it for payment.
DESCRIPTION
Computer monitors (original order, $350 x 8)
Computer monitors (replacements, $350 x 2)
TOTAL:
AMOUNT
8 of 12
$2,800
$700
$3,500
What information would be recorded in the Accounts Payable ledger, which
had a previous balance of $2,800?
The resulting balance in the Accounts Payable ledger after these transactions would be a credit balance of $300 (i.e., $2,800 credit balance - $700 debit + $3,500 credit).
Why it is?
Based on the information provided, the following transactions would be recorded in the Accounts Payable ledger:
A credit entry for the original order of 8 computer monitors for $2,800, which was the previous balance in the ledger.
A debit entry for the two replacement monitors received on October 10, for a total of $700.
A credit entry for the payment made by Berthold's with a check on October 28, for the total amount due of $3,500.
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A company that uses the cash method of accounting bills a customer $10,000 for services rendered on October 15 and receives payment on November 15. A sale is recorded on the cash receipt date, which is November 15. Similarly, the company receives a $500 invoice from a supplier on July 10 and pays the bill on August 10. The expense is recognized on which date?
A. July 10
B. August 10
C. October 15
D. November 15
The expense from the supplier's invoice is recognized on July 10, while the revenue from the customer is recognized on November 15.
The expense is recognized on the date when the supplier's invoice is received, which is July 10. The correct answer is A. July 10.
In accrual accounting, expenses are recognized when they are incurred, regardless of when the payment is made. The company received the supplier's invoice on July 10, indicating that the expense was incurred on that date. The payment made on August 10 is simply the settlement of the liability that was recorded on July 10.
On the other hand, the revenue from the customer for services rendered is recognized on the date of cash receipt, which is November 15. Since the company uses the cash method of accounting, revenue is recognized when the cash is received, rather than when the services were rendered.
In conclusion, under the cash method of accounting, expenses are recognized when the invoice is received, and revenue is recognized when cash is received.
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Assume there are external benefits associated with the production of Good X. Without government regulation, the market will: produce too much of Good X. produce too much of Good X. price Good X less than the marginal social cost. price Good X less than the marginal social cost. produce too little of Good X. produce too little of Good X. price Good X greater than the marginal cost. price Good X greater than the marginal cost.
Answer:
produce too little of Good X. produce too little of Good X.
Explanation:
A good has positive externality if the benefits to third parties not involved in production is greater than the cost. an example of an activity that generates positive externality is research and development. Due to the high cost of R & D, they are usually under-produced. Government can encourage the production of activities that generate positive externality by granting subsidies.
A good has negative externality if the costs to third parties not involved in production is greater than the benefits. an example of an activity that generates negative externality is pollution. Pollution can be generated at little or no cost, so they are usually overproduced. Government can discourage the production of activities that generate negative externality by taxation. Taxation increases the cost of production and therefore discourages overproduction. Tax levied on externality is known as Pigouvian tax.
Government can regulate the amount of externality produced by placing an upper limit on the amount of negative externality permissible
What is the difference between using an action button to play an audio file via 'play sound' and an audio clip set up through the Media Group?
Answer: The action button lets users play the audio file, the sound button will play an audio clip.
Explanation:
The action button lets users play the audio file once it is clicked or has a mouse over action over the assignment button. The sound button will play an audio clip that you have specified in the action settings dialog box.
Which person used a cost-saving strategy when deciding how to spend their money?
a. when selecting a new tablet, Rosita carefully read about the features of each model.
b. when purchasing a new jacket, Thao chose the one that was manufactured locally.
c. when choosing which coffee to buy, Ivan chose the brand with the "fair trade" label.
d. when buying a used dirt bike, Fabian negotiated with the seller to get a better deal.
will give brainliest!
The person who used a cost-saving strategy when deciding how to spend their money is the Fabian who negociated with the seller to buy a used dirt bike to get a better deal.
What is cost-saving stategy?The strategy in which we analysis the basic requirements which are necessary and on which minimum cost can be made in a business
What is a dirt bike?The bikes which are generally used in dirts to have races or to have friction with the roads with dirts.
Hence, option D is the correct answer
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Halima wants a Manufacturing career. She wants to be very successful and get paid well. Which career pays the
highest salary?
A.hand packages
B.mechanical engineer
C.quality control inspectors
D.environmental engineering technician
Answer:
D
Explanation:
Answer:
The answer is actually B) Mechanical engineer
Explanation:
I got 94% right on the edge unit test :)
Marilyn has a biweekly gross pay of $810 and claims 3 federal withholding allowances. Marilyn has all of the following deductions from her gross pay:.
Briefly analyse the role of the public manager by indicating his/her role in directing all resources towards achieving strategic objectives
The role of the public manager is to plan, organize, direct and control organizational resources to achieve strategic objectives.
What are the responsibilities of public managers?It is a professional responsible for managing resources in order to satisfy the needs of a public, as in governmental institutions whose objective is to promote public health and safety.
Therefore, a public manager must be able to analyze the needs and manage an organization effectively to achieve the objectives determined by planning.
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when compared to the rest of the nation the real estate collapse in texas was
When compared to the rest of the nation, the real estate collapse in Texas was relatively less severe.
During the real estate collapse, Texas experienced a milder impact compared to other regions in the nation. While the collapse had a negative effect on the real estate market in Texas, it was not as severe in terms of the magnitude of price declines and foreclosure rates when compared to states like California, Florida, and Nevada.
Several factors contributed to Texas' relatively better performance during the real estate collapse. One significant factor was the state's conservative lending practices and stricter regulations that helped mitigate the subprime mortgage crisis. Additionally, Texas had a more stable housing market due to its diversified economy, which helped cushion the impact of the collapse.
Furthermore, Texas experienced a less pronounced housing bubble prior to the collapse, with more modest price increases compared to other high-growth states. This moderation in price appreciation contributed to a more sustainable market and reduced the risk of a severe downturn.
Overall, while the real estate collapse had negative effects on the Texas real estate market, the state fared relatively better compared to other regions in the nation, mainly due to conservative lending practices, a diversified economy, and a more moderate housing bubble.
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How can being smart, kind and generous make you a better person? Click to add to
Answer:
it will help you in life
Explanation:
when your kind and generous you can get a better job and to help you make friends and also you can be smart because you can apply to be a teacher or a tutor to help others
Lauren needed to get her computer fixed. She took it to the repair store. The technician at the store worked on the computer for 3. 75 hours and charged her $119 for parts. The total was $400. 25. Write and solve an equation which can be used to determine xx, the cost of the labor per hour.
The labor cost per hour is $75.
The equation looks like this:
3.75x + 119 = 400.25
x will be = 75
Duration time was 3.75 hours.
Parts cost is $119.
Total cost: $400.25
So, the hourly rate is x is $75.
So, when you create the formula, the total number of hours (multiplied by the cost per hour) is added to the cost of the part, and the sum of these two amounts is the total cost.
To solve this problem, we need to subtract the cost of each component from the total cost. This gives the following result:
3.75x = 281.25
Then divide 3.75 by each side as usual.
Hourly labor costs = $75
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Holy macaroni! That's Almost It!
We're done with the four habits of millionaires-to-be.
Do you remember what the habits were? Let's see...
Check the sentences that best describe the "Big Four
Habits."
And you'll see this question again in the test
. You're not quite there yet. Try again.
Virtually all of the 7 million millionaires in the United States
never had to think about tomorrow, since they knew they would be
rich.
were always thinking ahead.
wanted their money to work for them.
wanted to store their money under the bed.
were looking forward to buying a lot of nice toys.
assumed all sellers were telling the truth.
learned how to make smart decisions by doing their homework.
always paid their cell phone first.
always paid themselves first.
Answer:
2,3,7 and the last one
Explanation:
Just had the same question and went back into the lesson to look . THESE TAKE FOREVER HAHA
Seven million millionaires in U.S :
we're always thinking ahead.wanted their money to work for them.learned how to make smart decisions always paid themselves first.Who are millionaires?Millionaires are those individuals who have a net worth that is equal to or are then one million units of currency.
These people include businessmen that have own business and own large amount of shares in other companies. The millionaires networth and financial assets also contribute to the nation's GDP.
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I will mark you as brainliest!!
What is stock turnover?
A. How long customers have own the products they've purchased
B. How quickly inventory sells
C. How much it costs to keep inventory
D. How the stock market affects inventory
Answer:
d.how the stock market affects inventory
Explanation:
a stock turnover is the rate at which a company's goods are sold and replaced. I hope that helped <3
stock movement Effects of the stock market on inventory Thus option (D) is correct.
What is the stock price?A share price is the price of a single share of a company's salable equity shares. In layman's terms, the stock price is the largest amount of money someone is willing to pay for the stock or the lowest amount for which it can be purchased.
Stock market Analysts in economics and financial theory utilize random walk techniques to model the behavior of asset prices, particularly share prices on stock exchanges. This technique is founded on the assumption that investors operate rationally and without bias, and that they evaluate the value of an asset at any given time based on future expectations.
Therefore, Thus option (D) is correct.
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marketing, sales, and customer service are identified as the key functions in a value chain.
Marketing, sales, and customer service are indeed key functions in a value chain. The value chain is a concept that describes the activities within a company that add value to a product or service. It encompasses a series of interconnected functions that contribute to the creation, marketing, delivery, and support of a product or service.
Marketing is a crucial function within the value chain as it involves activities such as market research, product development, branding, pricing, promotion, and distribution. Marketing helps identify customer needs, create awareness and demand for products or services, and generate leads for the sales team.
Sales, as another key function, focuses on the actual selling of products or services to customers. This includes activities like prospecting, lead generation, customer relationship management, negotiations, and closing deals. Sales teams work closely with marketing to convert leads into customers and drive revenue for the organization.
Customer service plays a vital role in the value chain by providing support and assistance to customers after the purchase. This function involves activities such as handling inquiries, resolving issues, providing product information, offering post-sales support, and ensuring customer satisfaction. Effective customer service helps build customer loyalty, enhance brand reputation, and drive repeat business .
While the value chain consists of other functions like procurement, operations, and logistics, marketing, sales, and customer service are particularly critical in generating customer demand, acquiring customers, and delivering a positive customer experience. These functions contribute directly to revenue generation and customer satisfaction, making them key components in the overall value creation process.
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what is the modern technology used instead of traditional Technology
Answer:
Many traditional technologies are being replaced by the modern technologies. For example, typewriters have been replaced by computers.
Differentiate between traditional and modern technology.
Explanation:
Traditional Technology: For photography, film camera was used. Modern Technology: For photography, the digital camera is used.
Answer: The wheel
Explanation:
your question is rather vague, so ill give an example of modern technology based off of traditional technology))
During the stone age, wheels were created, and they used traditional methods to make such wheels.
Now, wheels are used on many things using modern technology, factory equipment and usually nobody hand-makes wheels for industrial use traditionally anymore.
6. Which of the following describes a non-employee business? (1 point)
an architect who has only a part-time assistant
a small ice cream shop where only one person works at a time
a person who works from home for a larger company
a manicurist who works from her home or at clients houses
Answer:
a manicurist who works from her home or at clients’ houses
Explanation:
What is vulnerability? Give examples of vulnerability and the
mitigation method can be taken to remove it.
Vulnerability refers to a weakness or flaw in a system, process, or infrastructure that can be exploited by malicious actors to gain unauthorized access, disrupt operations, or compromise data integrity and confidentiality. Vulnerabilities can exist in software, networks, hardware, and even human factors.
Software Vulnerability: A software application may contain coding errors or design flaws that can be exploited.
Network Vulnerability: Weak network configurations, unsecured wireless networks, or outdated protocols can leave networks vulnerable.
Social Engineering Vulnerability: Humans can be a weak link in security.
Hardware Vulnerability: Flaws or weaknesses in hardware components can create vulnerabilities. For example, a hardware keylogger inserted between a keyboard and computer can record keystrokes.
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A context diagram of the Cargo Shipping Process from the perspective of the CArgo Section at CaribAir
The context diagram provides a high-level view of the cargo shipping process and the interactions between the Cargo department at CaribAir and its external entities. It helps to ensure that all stakeholders are accounted for and that the system operates effectively and efficiently to meet the needs of its customers.
A context diagram is a high-level view of a system that shows its interactions with external entities. In the context of the cargo shipping process from the perspective of the Cargo department at CaribAir, the context diagram would illustrate the external entities that interact with the department, including customers, shipping agents, freight forwarders, and other stakeholders.
The Cargo department at CaribAir is responsible for managing the shipment of goods via air transport. This involves receiving and processing orders from customers, coordinating with shipping agents and freight forwarders, preparing cargo for transport, and ensuring that it is delivered to its destination safely and on time.
The context diagram would show the external entities that interact with the Cargo department at CaribAir, including customers who place orders, shipping agents who provide information on cargo availability and transportation options, freight forwarders who coordinate the shipment of goods, and other stakeholders such as customs authorities and regulatory bodies.
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Complete question:
Describe the context diagram of the cargo shipping process from the perspective of the CArgo department at CaribAir and understand what CArgo is
. A quadratic polynomial whose one zero is 6 and the sum of the zeroes is 0, is x*2-6
True
False
pls tell fast
Answer:
False
Explanation:
From the question, we can see that a quadratic polynomial is made up of two elements or variables called zeros in this question
From the question, we are told that one variable (zero) = 6
The second variable (zero) = unknown , therefore we can represent the second variable as Y
We are told that the sum of the variables = 0
This means:
6 + Y = 0
Therefore, Y = 0 - 6
Y = -6.
The second variable ( zero) = - 6
Since it is a quadratic polynomial,
The roots of the polynomials are the variables 6 and -6
Hence, we have:
(x + 6) (x - 6) = 0
Expanding the brackets
x² - 6x + 6x - 36 = 0
= x² - 36 = 0
Therefore, a quadratic polynomial whose one zero is 6 and sum of the zero is 0 is x² - 36 = 0
This means the statement made in the question above "A quadratic polynomial whose one zero is 6 and sum of the zero is 0 is x²-6" is false
Suppose that the most popular car dealer in your area sells 10 percent of all vehicles. Instructions: Enter your answers as whole numbers.
a. If all other car dealers sell either the same number of vehicles or fewer, what is the largest value that the Herfindahl index could possibly take for car dealers in your area?
b. In that same situation, what would the four-firm concentration ratio be?
Answer:
1. Herfindahl index = 400
2. 40%
Explanation:
1. Remember, the Herfindahl index is an index used to determine the level of market concentration in an industry. Assuming the total car dealer firms are four in number, we can derive the largest value that the Herfindahl index could possibly take for car dealers in the area using the formula:
\(HHH=S1^{2} + S2^{2} + S3^{2} + S4^{2} +... Sn^{2}\)
Thus, the HHH = \(10^{2} + 10^{2}+ 10^{2} +10^{2} = 400\)
2. The four-firm concentration ratio is calculated by summing the individual market share percentage; 10% + 10% + 10% + 10% = 40%
Estimates of what revenues and costs should have been based on the actual level of activity are shown on the budget.
The estimates of what revenues and costs should have been based on the actual level of activity are shown on the flexible budget.
What is budget?It should be noted that budget simply means an estimate of the revenue and expenditure for a given period.
In this case, the estimates of what revenues and costs should have been based on the actual level of activity are shown on the flexible budget.
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Which of the following is NOT a solution for forgetting vocabulary terms?
Responses
Using photos for reference
Using a dictionary or thesaurus
Requesting assistance from peers or instructors
using synonyms
Answer:
using photos for reference