A modified endowment contract is best described as a life insurance contract that has accumulated cash values higher than the IRS allows.
What is modified endowment contract?This refers to the highest amount of premium that can be paid into a policy and still have it recognized as a life insurance contract.
Hence, a modified endowment contract is best described as a life insurance contract that has accumulated cash values higher than the IRS allows.
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Consider these statements about annuities and perpetuities and decide which is accurate. Group of answer choices The future value of a perpetuity can be computed using low discount rates.. A perpetuity comprised of $200 monthly payments is worth more than an annuity comprised of $200 monthly payments, given an interest rate of 12 percent, compounded monthly. Most business loans are a form of an amortized loan. An ordinary annuity is worth more than an annuity due given equal annual cash flows for eleven years at 8 percent interest, compounded annually.
The accurate statements on annuities and perpetuities are:
A perpetuity comprised of $200 monthly payments is worth more than an annuity comprised of $200 monthly payments, given an interest rate of 12 percent, compounded monthly. Most business loans are a form of an amortized loan.What is true of annuities and perpetuities?A perpertuity's present value is:
= Amount / periodic rate
= 200 / (12% / 12 months)
= $20,000
This is larger than the present value of an annuity of the same amount if the payment period is not long.
Business loans come as amortized loans for the most part because the business will have to pay back a specific amount every period that includes interest and principal repayment.
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In macroeconomics, the connection from inputs to outputs for the entire economy is called _______________.
Answer:
an aggregate production function. Hope it helps!
A marketing manager must decide on the size of the survey sample to be used in order to estimate the proportion of customers who are aware of her brand. She wishes to estimate this proportion to within 10 percentage points with 88% confidence. If the manager guesses that the proportion of aware customers is roughly 30%, what is the size of the sample that must be used
The size of the sample that must be used is 264. The correct sample size is 264. Read below about how to arrive at the sample size.
What is the sample size that must be used?p′ = x / n where x represents the number of successes and n represents the sample size. The variable p′ is the sample proportion and serves as the point estimate for the true population proportion.
Then, it follows that,
p= 30/10 x 88 = 264
Therefore, the correct answer is 264.
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Productivity in the service sector is difficult to measure because new technology adds to:
Productivity in the service sector is difficult to measure because new technology adds to quality of services provided.
What is productivity?
Productivity is defined as the efficient way of producing goods and services. Productivity occurs when the input to a system matches the output.
When technology is added to productivity, the service sector finds it difficult to measure due to the quality of the services provided
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an online store wants a database of customer information but it does not have the meta pixel installed. which campaign objective meets this business goal?
The campaign objective which meets this business goal is Lead Generation
What is Lead Generation?This refers to the process through which potential customers are identified and cultivated.
Hence, we can see that from the given scenario of the use of a database of customer information to identify their purchase decisions but has no metadata installed, this is lead generation.
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(Scenario: Assets and Liabilities of the Banking System) According to the Scenario: Assets and Liabilities of the Banking System, suppose that the reserve ratio is 10 percent when the Federal Reserve sells $25,000 worth of U.S. Treasury bills to the banking system. If the banking system does NOT want to hold any excess reserves, _______ will be _______ the money supply.
If the banking system does NOT want to hold any excess reserves, $250,000 will be added to the money supply.
What is an excess reserves?Excess reserves is known to be the capital reserves that is said to be held by a bank or financial institution and it is one that is too much or is in excess of what is needed by regulators, creditors, or others.
Since there is $25,000 worth of U.S. Treasury bills, one will multiply it times 10 = $250,000
Therefore, If the banking system does NOT want to hold any excess reserves, $250,000 will be added to the money supply.
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Subtracting the value of a firm's liabilities from the value of its assets leaves its:
Subtracting the value of a firm's liabilities from the value of its assets leaves its net worth. This is further explained below.
What is net worth?Generally, net worth is simply defined as a person's, a business's, or a family's whole financial assets less their entire debts.
In conclusion, The net worth of a company is calculated by deducting its debts from its assets.
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At a price of $2,000 per unit, the demand for Rancho 60 mountain bikes from Peyton Bike's Inc. is 300 units, which is the number of bikes the company manufactures every year. This is Peyton Bike's maximum output. If the marketing managers at Peyton Bike's Inc. decide to sell each bike at a price lower than $2,000 per unit, _____. a. the demand for and the supply of the bikes will attain equilibrium b. a shortage of bikes will be created c. an inelastic demand for the bikes will be created d. the number of bikes produced will increase drastically
If the marketing managers at Peyton Bike's Inc. decide to sell each bike at a price lower than $2,000 per unit, a shortage of bikes will be created.
Why are bikes in short supply?As a result, additional problems like plant shutdowns and disruptions as well as the unheard-of increase in bike orders during the peak of the coronavirus pandemic have added to the supply chain difficulties. The sector has never before experienced such a massive increase in demand as it has over the past two years.
Are there still not enough bicycles?The "Great Bicycle Shortage" of 2021 is finally ended, which is wonderful news. The bad news is that you'll have to pay more in 2022, just like with everything else. Lori Van Maluka is all too familiar with the bike shortage.
How long will there be a bicycle shortage?Mason claimed that despite the bike industry's growth slowing down since 2020, sales are still higher than they were before the pandemic. While the shortage is still present, according to Mason, it is concentrated on a few particular bike models, parts, and accessories. She believes that the shortfall will continue into the following year or two.
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Johnson Co. has 1,000,000 euros as payables due in 30 days, and is certain that the euro is going to appreciate substantially over time. Assuming the firm is correct, the ideal strategy is to: a.remain unhedged. b.purchase euro currency put options. c.purchase euro currency call options. d.sell euros forward. e.purchase euros forward.
Based on the fact that the Euro will appreciate, the best thing for Johnson Co. to do is to e.purchase euros forward.
What should Johnson Co. do?The fact that the Euro is going to appreciate in value means that Johnson Co. will have to pay more in future.
They should therefore lock in a favorable Euro rate now by purchasing Euros at a forward rate.
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Bonds are securities that can be readily bought and sold. A bond issue consists of a number of bonds, usually in denominations of ______ or _____ and is sold to many different lenders.
A bond issue consists of a number of bonds, usually in denominations of $1000 or $5000 and is sold to many different lenders.
What is a bond?It should be noted that bonds are securities that can be readily bought and sold.
In this case, a bond issue consists of a number of bonds, usually in denominations of $1000 or $5000 and is sold to many different lenders.
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Eastline Corporation had 17,500 shares of $5 par value common stock outstanding when the board of directors declared a stock dividend of 6,125 shares. At the time of the stock dividend, the market value per share was $17. The entry to record this dividend is:
The journal entry to record the declaration of a stock dividend is by debiting the retained earnings and crediting the common stock dividend with equal amounts of $30,625.
What are dividends?
Dividends are the amount allocated to the investors by the company with respect to the shareholdings held by them.
The journal entry for recognizing the transaction is as follows:
Particulars Debit Credit
Retained earnings (6,125 X $5) 30,625
Common stock dividends 30,625
(To record the declaration of dividends
on common stock)
Therefore, the journal entry is explained and recorded as above.
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which of the following statements are true (picture attached)
If the cardholder makes the payment of $523.20 on time, which is by the due date, she will not have to pay any interest to the credit card company.
What is a due date?Due date is the date on which the payment or a receipt becomes due to be paid as per the agreements made by both the parties to a transaction.
In case of a credit card, no interest is charged on the limit used, if the repayment is done on or before the due date of repayment of such limit by the cardholder.
Hence, option D holds true regarding the due date.
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using the trueblood criterion what is the ultimate goal of accounting?
The ultimate goal of accounting according to trueblood criterion is to predict future cash flows to the investor or creditor
What is a trueblood criterion?In accounting, its means the reporting on the past & present firm information that could help us predict future cash flow to firm.
Hence, by virtue of trueblood criterion, the ultimate goal of accounting is to predict future cash flows to the investor or creditor.
Therefore, the Option C is correct
Missing options "A) Predict future cash flows to the firm
B) Predict income to the investor or creditor
C) Predict future cash flows to the investor or creditor
D) Predict income to the firm"
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The relationship between the number of years for the mortgage / home loan and the monthly payment amount.
Answer:
If A = { a , c , e } , B = { b , c , d ) and C = { a , c , d , f ) , find n ( A n B n C)
Flora, the owner of an ice cream parlor, has been experimenting with different flavors to create a new exotic ice cream for her customers. After much deliberation and many tests, she decides to market the new Beet Cake with Pecan variant. In this scenario, the chosen ice cream flavor has entered the _____ stage of the new-product development process.
In the case, the chosen ice cream flavor has entered the commercialization stage of the new-product development process.
What is a new-product development?These development process are essential for of bringing a new product to the marketplace.
At the commercialization stage of the development process, the firm is bringing the new products/services to the market.
Hence, in this case, chosen ice cream flavor has entered the commercialization stage of the new-product development process.
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at the end of your car lease period, you intend to turn in the car, and you will not pay extra at that time based on the residual value of the car. you have a(n) _____ lease.
At the end of your car lease period, you intend to turn in the car, and you will not pay extra at that time based on the residual value of the car, then you will have an open-end lease.
What is open-end lease?An open-end lease serves as a rental agreement whereby the one that is to make a periodic lease payments enter an agreement with the owner so as to be able to make balloon payment at the end of the lease agreement.
Therefore, in this type of lease, there will no be extra pay at that time based on the residual value of the item.
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Linda just got approved on an ARM mortgage. What is true?
O Her taxes will be reduced.
O She has a secured loan.
O Her interest will be fixed.
O She cannot make a down payment.
Answer:
[tex]\fbox {She has a secured loan.}[/tex]
Explanation:
We know from basics that by a mortgage, we understand that we put our asset down as a collateral so we can take a loan and this asset will be under the lender's control until repayment.
An ARM mortgage means that the interest rate can be gradually changed based on performance benchmarks, such as a change in it every 6 months.
Hence, by this, we can understand that the loan is secure.
The neighbors in South Mountain Village got tired of all the drug dealing and criminal activity surrounding a shop, the Mystery Market. The community boycotted the store, which eventually closed, and with the help of local financial institutions, a social services center was added to the area. What act is this an example of
The action that the community embarked on in closing the store is called the Community Reinvestment Act.
What is a Community Reinvestment Act?This refers to a situation where the community at large comes together to rid their society of social ills and try to make it more productive.
The people of South Mountain Village succeeded in closing the Mystery Market and then added a social services center to make the community better off.
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The interaction of world supply and demand determines the equilibrium ______.
The interaction of world supply and demand determines the equilibrium world price.
What is Supply?Supply can be seen as the number of resources, goods, or products a producer or manufacturer is willing and able to provide to an individual or marketplace.
The relationship between the world supply and demand determines the level of equilibrium of the world price for that particular product.
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A. received a $600 utility bill for electricity usage in july to be paid in august.
b. owed wages to 10 employees who worked three days at $100 each per day at the end of july. the company will pay employees at the end of the first week of august.
c. on july 1, loaned money to an employee who agreed to repay the loan in one year along with $1,200 for one full year of interest. no interest has been recorded yet.
Salaries and wages expense are $3,000 and interest revenue is $100.
What is an expense?Expense refers to a cost that occurs while making any activity in the business operations. To calculate the profit earned these expenses are deducted from the income.
Salaries and wages expense=10*3*$100
Salaries and wages expense=$3,000
Interest revenue = $1,200/12=$100
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what do the phrases "put something on the back burner," "stir the pot," and "give birth to a plan" reflect about organizations?
All of the languages and the phrases based on the way they are used refers to feminine language.
How does these words have to do with feminine?
The words are mostly about the activities that are known to be more associated with women.
Cooking is a chore for women. Also they are the ones that birth babies. Hence the correct answer is feminine language.
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Some states limit the creation of ________ or don’t recognize them as legal business structures. you need to check with your state before attempting to create one.
Some states limit the creation of limited liability partnerships or don’t recognize them as legal business structures. you need to check with your state before attempting to create one. This is further explained below.
What are limited liability partnerships?Generally, In a limited liability partnership (LLP), each partner's financial exposure is capped at the amount of capital they've invested.
In conclusion, The formation of limited liability partnerships may be restricted in or perhaps not recognized as a valid corporate entity by certain states. Creating one without first checking with the state is illegal.
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When marketers adapt their products by offering less expensive products that are tailored to consumers with modest incomes, they are paying close attention to:
When marketers adapt their products by offering less expensive products that are tailored to consumers with modest incomes, they are paying close attention to: economic factors.
What are economic factors?Economic factors are those factors that are used to determine what causes the competitiveness in the business environment of the firm.
Some of the factors are
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All of the following were instrumental in suburban life and the rise of the subdivisions except a. the construction of malls. b. government-backed low-interest loans to returning veterans. c. the availability and affordability of cars. d. the loss of a communal city center.
All of the following were instrumental in suburban life and the rise of the subdivisions except the construction of malls. Option A. is the correct answer. Read below about suburban.
What is a suburban?Suburban areas are lower in population area that separate residential and commercial areas from each other. They are either part of a city or urban area, or exist as a separate residential community within commuting distance of a city.
Therefore, such will lack social amenities such as malls. Hence, option A. is the correct answer.
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Nelson is motivated by a strong need for recognition and is continually seeking credit for his contributions to the organization. According to maslow, nelson is motivated by which category of needs?
The Self-Esteem category of need is the need that motivates Nelson as he is continually seeking credit for his contributions to the organization
What is the Self-Esteem category?According to the Maslow hierarchy, this category of needs is one that involve building of high confidence in one's own worth and abilities.
Hence, the Self-Esteem category of need is the need that motivates Nelson as he is continually seeking credit for his contributions to the organization.
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In making the best economic choices, consumers compare the benefits of the choice to.
In making the best economic choices, consumers compare the benefits of the choice to cost.
What is economic choice?economic choice can be regarded as the decision making by the consumer to choose the kind of product that is needed by them economically.
Therefore, the consumer usually consider the cost In making the best economic choices, as well as the benefits.
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Official permission to postpone the payments of a loan is known as a:
Official permission to postpone the payments of a loan is known as a:
DefermentWhat is a Deferment?A deferment is an official request to postpone the payment of a loan.
When the organization is officially notified of the request to postpone the payment of the loan, they will keep the record while hoping that the debtor will honor the agreement when due.
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Question 7(Multiple Choice Worth 5 points)
(04.02 MC)
With a constant interest rate, which of the following describes the relationship between the term of the investment and the rate of return?
The shorter the term of investment, the lower the rate of return
The longer the term of investment, the lower the rate of return
The longer the term of investment, the higher the rate of return
The shorter the term of investment, the higher the rate of return
The correct option is C). The longer the term of investment, the higher the rate of return.
What is long-term and short term investment?Long term investments are those assets in which an individual or a company tends to invest for a period of more than three years such as stocks, real estate etc.
Short-term investments are investments that can be converted into cash or can be sold within a short period of time of one -three years such as short-term bonds, Treasury bills etc.
Long term investment requires high rate of return because are often considered less safe than other assets.
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How does an improvement in productivity affect a business's profit margin?
A. It increases the profit margin by lowering costs.
B. It decreases the profit margin by lowering costs.
C. It decreases the profit margin by raising costs.
D. It increases the profit margin by raising costs.
Answer:
it increases the profit margin by lowering costs
Explanation:
An improvement in productivity affects a business's profit margin as it increases the profit margin by lowering costs. Thus, option A is correct.
What is the profit margin?Profitability is gauged by profit margin. Estimating the profit as a proportion of revenue is used to calculate it. Gross profit margin, operating profit margin, and net profit margin are the three different forms of profit margins. Gross profit is multiplied by net sales to determine the gross profit margin.
A company may produce more goods without increasing expenses by boosting productivity. Producing more opens up the possibility of increasing sales, which in turn might boost earnings. In addition to improving overall earnings, higher productivity can raise a company's profit margin.
The profit margin of a company is impacted by an increase in productivity since it lowers expenses and raises the profit margin. Therefore, choice A is correct.
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A natural barrier that faces Argentina when it sells beef to Siberia is: Group of answer choices custom regulations distance government controls exchange controls taxes
A natural barrier that faces Argentina when it sells beef to Siberia is distance.
Why distance is a barrier to trade?Due to the fact that markets within countries are typically closer together than markets between countries, distance reduces international trade in comparison to domestic trade. Most overseas markets have higher transportation expenses than they do for domestic markets, frequently by a significant margin. Given that distance seems to restrict trade more than can be compensated for by transportation, it is possible that distance is also linked to greater non-transportation trade costs.
For example, the price of carrying the beef from Argentina to Siberia could make it too expensive even though farming beef there may be less expensive than raising beef in the freezing cold of Siberia. Thus, one of the inherent obstacles to international trading is distance.
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