The main difference between term life insurance and straight-life insurance is Term life insurance has no cash value at the end of the term it's bought for.
What is term life insurance?This is a life insurance policy that allows you to cover our life for a period of time. It is often cheaper than the straight-life insurance policy.
Term life insurance has a drawback however which is that it has no cash value at the end of the term. The insurance company will simply take all the cash that one has paid and give nothing back.
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Which of the following statements is correct?
An externality is a situation where a project would have an adverse effect on some other part of the firm’s overall operations. If the project would have a favorable effect on other operations, then this is not an externality.
An example of an externality is a situation where a bank opens a new office, and that new office causes deposits in the bank’s other offices to decline
The NPV method automatically deals correctly with externalities, even if the externalities are not specifically identified, but the IRR method does not. This is another reason to favor the NPV
Both the NPV and IRR methods deal correctly with externalities, even if the externalities are not specifically identified. However, the payback method does not
Identifying an externality can never lead to an increase in the calculated NPV
The correct statement is an example of an externality is a situation where a bank opens a new office, and that new office causes deposits in the bank's other offices to decline. Thus 2nd option is correct.
What is the meaning of Externality?Externality refers to the outcome of the situation which is affected by the Industrial and commercial activity of the organizations which is not reflected in the market price.
The proper answer is an illustration of an externality is when a bank establishes a new location and the new location results in lower deposits in the bank's other locations.
Therefore, the second choice is the best one.
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i need this 4 questions solved plsssss
In the late 1980s, the top international banks were predominantly Japanese because the Japanese economy was responsible for a lot of electronic device production.
As the world became even more digitized, Japanese firms did not adapt fast enough and so their banks lost their predominance.
The late 2000s saw American banks being predominant thanks to the real estate boom which ended with the Great Recession of 2008/9.
The late 2010s saw Chinese banks in the ascendancy thanks to China's massive production capacity. This came to a halt in 2019 with the pandemic.
Which nations dominated banking over the years?The Japanese dominated the banking industry in the late 1980s because Japan was responsible for much of the world's gadget production.
The Japanese lost their dominance however, when they did not embrace digitization fast enough which led to a fall in the fortunes of Japanese companies like Kodak.
American banks took advantage of the housing boom of the 2000s to become the most dominant but they lost some dominance after the horrible 2008 Great Recession.
The Chinese then took over in the 2010s thanks to their massive manufacturing capacity and worldwide influence.
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what is the common issue between monopolistic and oligopoly market structure
there is no clear-cut dividing line
The primary difference between oligopoly and monopolistic competition is the relative size and the market control of each firm based on the number of competitors in the market. However, there is no clear-cut dividing line between these two market structures.
ALBERTO: Tami, I’ve got a problem. Can we talk for a minute?
TAMI: Sure, Alberto, what’s up?
ALBERTO: Last week my sous-chef, Ricky, bought tomatoes that just weren’t ripe. It made me really angry. We’ll never keep our Michelin star unless we maintain the quality of our produce!
TAMI: Wow, Alberto, that sounds like a real problem. So you’re saying that Ricky bought tomatoes you couldn’t serve?
ALBERTO: Yes! And it’s not the first time...
TAMI: I’ll do something about this right away.
What component of reflective listening is missing from this conversation?
Affirming contact
Clarifying the implicit
Paraphrasing the expressed
Clarifying the implicit is the component of reflective listening missing from this conversation.
Affirming contact:
The goal of affirming contact is to convey attention and assurance rather than necessarily agreement.
hence in the coversation "Wow" and "Yes!" convey attention and displays affirming contact.
Paraphrasing the expressed:
It explains to the speaker what was heard, as well as what the listener's feelings and ideas were. utilize a follow-up query occasionally
Hence Paraphrasing the expressed can be seen in the conversation when TAMI said "So you’re saying that Ricky bought tomatoes you couldn’t serve?" where he rephrased to what ALBERTO said.
Clarifying the implicit:
It clarify any implicit portions of the message, which includes ideas and sentiments that are not fully or clearly articulated together with their openly declared message.
Hence Clarifying the implicit is missing from the conversation.
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A business that is controlled by a small group of people who share the risks
and the profits is a
A. partnership
B. limited liability company
C. sole proprietorship
D. corporation
Answer:
a partnership business type
Which type of tax funds the salaries of public school teachers?
A. State income tax
B. FICA tax
C. Federal income tax
D. Local income tax
Answer:
c
Explanation:
Increasing or Decreasing the Money Supply
Complete the table in question 7.
7. The Fed has three tools it can use to influence the money supply. In the following table, list the three
tools and then explain how the Fed uses each tool to increase or decrease the money supply.
Fed tool
To increase the money supply,
the Fed
To decrease the money supply.
the Fed
A
Answer:
TOTAL amount
TOTAL amount
Answer:
Increasing
Explanation:
When communicating with a customer, which of the following is not a question you should consider while your customer is speaking
The question you should not ask is: C. Does my job require me to serve this person?
What is communication?Communication can be defined as a form of interaction between two people or between two or more people.
When you are communicating with a customer while the customer speaking you should not ask the customers if your job require you to serve the customer.
Therefore the correct option is C.
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PLS HELP 25 points!
a) Determine Patty’s property taxes for 2019 by calculating 1.2 percent of $200,000 (multiply by 0.012), and then determine her taxes for 2021 by calculating 1.2 percent of $225,000. Subtract the 2019 tax figure from the 2021 amount. How much more did Patty have to pay for her property tax in 2021 than in 2019?
b) You can calculate the percentage of Patty’s income that she paid in property taxes with simple math. For instance, in 2019, Patty paid $2,400 in property taxes. Divide that number by her income, $60,000, and you get 0.04, or 4 percent. What percentage of her income did Patty pay in property taxes in 2021?
GIVE ME BRAINALIST PLS
Answer:
300
Explanation:
2019 tax: 2400
2021 tax: 2700
2021: income %: 4.5%
*I considered her income to be the same as in 2019 as it did not say otherwise. Glas to help.
When Marilyn Monroe died, ex-husband Joe DiMaggio vowed to place fresh flowers on her grave every
Sunday as long as he lived. A bunch of fresh flowers that the former baseball player thought appropriate
for the star cost about $5 when she died in 1962. Based on actuarial tables, “Joltin’ Joe” could expect to
live for 30 years after the actress died. Assume that the stated annual interest rate, compounded weekly, is
10.4 percent. Assuming that each year has exactly 52 weeks, what is the present value of this
commitment?
Based on the cost of the flowers and the number of years Joe DiMaggio was expected to live, the present value of the commitment was $2,389.26.
How much is the present value of the commitment?First convert the interest and period to weekly figures:
Period:
= 52 x 30
= 1,560 weeks
Interest:
= 10.4% / 52
= 0.2% weekly
The present value will be that of an annuity because the amount is constant every week:
= Amount x (1 - (1 + rate) ^ -number of periods) / rate
= 5 x (1 - ( 1 + 0.2%) ⁻¹⁵⁶⁰) / 0.2%
= $2,389.26
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How to do spousal pay included?
The attached picture entails the Income tax that is filed for 4 different tax payer.
What is a spousal pay?In U.S., this refers to periodic and predetermined sum awarded to a spouse or former spouse following a separation or divorce.
Actually, the spousal pay is not involved in the calculation of the Income Tax which is filled in the attached picture.
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Judith Fisher's Promotion App
Peter Walters, the chief financial officer, had a close relationship with one of his employees, Judith Fisher, but they broke up. A few months later, Walters had to choose someone to be promoted to his deputy. Judith Fisher is one of three candidates. She didn't get the job. She now claims that it is because she has a personal relationship with Walters that has turned sour. According to her, this is Walters' way of revenge. Patrick McGuire and Veronica Simpson (HR Director) took no action. Judith is now threatening legal action against the company.
Did we make the right decision regarding Peter Walters and Judith Fisher? What other actions, if any, should we take?
The girl employee can take the legal action against the Peter Walters, as the personal and professional relationship are different, and take the actions against the person.
What are the rights that workers have?There are many rights in favour of the workers of the company like-
Equal pay,the ability to join a union, a secure workplace, a harassment-free environment is all desirableLack of discrimination.Medical and family leaveThe minimum salary.Workplace free from retaliation.Thus, he girl employee can take the legal action against the Peter Walters
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Mr. Liu turns 65 on June 19. He has never previously qualified for Medicare so his first Medicare eligibility date will be by June 1. Mr. Liu’s ICEP and Part D IEP begin March 1 and end on September 30. He wants prescription drug coverage with his Part A and Part B benefits. What advice c
an you provide him?
The advice that you can provide for him is for Mr Liu to enroll in MA-PD.
What is prescription drug coverage?Prescription drug coverage can be defined as the coverage that help to cover prescription drug of the person under the plan.
Based on the given scenario he should enroll in a MA-PD which full meaning is Medicare Advantage Prescription Drug so long as he enrolls in Part B and he is entitled to Part A.
Therefore The advice that you can provide for him is for Mr Liu to enroll in MA-PD.
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define the income elasticity of demand
Answer:
Income elasticity of demand is an economic measure of how responsive the quantity demand for a good or service is to a change in income. The formula for calculating income elasticity of demand is the percent change in quantity demanded divided by the percent change in income.
State and explain 4 way by which a contruct
Can be discharged
Answer:
1. Discharge by performance:
The contract comes to an end when both parties perform their contractual obligations
example : guy finds a bike on craigslist, they meet outside and the buyer pays the seller
2. Discharge by mutual consent :
example : guys buys a shirt from a store. later he doesnt like it anymore and returns it back to the store which is OK because it's the stores policy
3. Discharge of contract by impossibility of performance:
usually occurs when the contractual duty cannot be performed because of illness
4. Discharge by frustration:
example : where something like an outbreak of a war could void a contract
5. Discharge by Anticipatory (or repudiatory) breach :
guy doesn't do what he said he would do. he doesn't come through
examples: you've contracted to buy a house but then he sells it someone else
lawteachernet
nolo
investopedia
slideshare
upcounsel
accountlearning
topprcom
anet, Carol, Eva, and Wendy incorporate their law practice (“Shysters-R-Us, Inc.”) with the following investments: A) Janet contributes her copyright (basis of $60,000 and FMV of $144,000) for 9400 shares of Shyster stock, worth $98,000. The corporation also assumed her $46,000 of business debts. Janet’s basis in her Shyster stock.
Based on the basis of the stock that Janet contributed and the business debts assumed, Janet's basis in Shyster is $14,000.
What is Janet's basis?This can be found as:
= Basis of the copyright that Janet contributed - Her business debts assumed
Solving gives:
= 60,000 - 46,000
= $14,000
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What agencies are known as professionally trained planners?
Answer:
refer to the above attachment
a). Write the journal entries to correct the following errors. (1) Rent Received Kshs. 430,000 have been credited to the Commissions Received account. (2) Bank charges Kshs. 34,000 have been debited to the Business Rates account. (3) Completely omitted from the books is a payment of Motor Expenses by cheque Kshs. 37,000. (4) A purchase of a fax machine Kshs. 242,000 has been entered in the Purchases account. (5) Returns inwards Kshs. 216,000 has been entered on the debit side of the Returns Outwards account. (6) A loan from G Bain Kshs. 2,000,000 has been entered on the credit side of the Capital account. (7) Loan interest of Kshs. 400,000 has been debited to the Van account. (8) Goods taken for own use Kshs. 84,000 have been debited to the Purchases account and credited to drawings. (10 Marks)
The journal entries to correct the errors are as follows:
Journal Entries:(1) Debit Commission Received Account Kshs. 430,000
Credit Rent Received Account Kshs. 430,000
To reverse the credit to the wrong account.(2) Debit Bank charges Kshs. 34,000
Credit Business Rates account Kshs. 34,000
To reverse the debit to the wrong account.(3) Debit Motor Expenses Kshs. 37,000
Credit Bank Account Kshs. 37,000
To record the payment.(4) Debit Equipment (Fax Machine) Kshs. 242,000
Credit Purchases account Kshs. 242,000
To reverse the debit to the wrong account.(5) Debit Returns Inwards Account Kshs. 216,000
Credit Returns Outwards Account Kshs. 216,000
To reverse the debit to the wrong account.(6) Debit Capital Account Kshs. 2,000,000
Credit Loan, G Bain Kshs. 2,000,000
To reverse the debit to the wrong account.(7) Debit Loan Interest Kshs. 400,000
Credit Van Account Kshs. 400,000
To reverse the debit to the wrong account.(8) Debit Drawings Kshs. 168,000
Credit Purchases account Kshs. 84,000
Credit Inventory Kshs. 84,000
To reverse the debit to the wrong account.Transaction Analysis:(1) Commission Received Account Kshs. 430,000 Rent Received
Account Kshs. 430,000
(2) Bank charges Kshs. 34,000 Business Rates account Kshs. 34,000
(3) Motor Expenses Kshs. 37,000 Bank Account Kshs. 37,000
(4) Equipment (Fax Machine) Kshs. 242,000 Purchases account Kshs. 242,000
(5) Returns Inwards Account Kshs. 216,000 Returns Outwards Account Kshs. 216,000
(6) Capital Account Kshs. 2,000,000 Loan, G Bain Kshs. 2,000,000
(7) Loan Interest Kshs. 400,000 Van Account Kshs. 400,000
(8) Drawings Kshs. 168,000 Purchases account Kshs. 84,000 Inventory Kshs. 84,000
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Why are taxes paid to local, state, and national governments in the United States? A. The national government has a difficult time collecting taxes from all citizens. B. The local and state governments use their taxes to pay taxes to the national government. C. Each level of government equally provides revenue for every service in the United States. D. Different levels of government provide different services that must be paid for by taxes. Reset Next
The taxes paid to different governments in the United States because different levels of government provide different services which paid for by taxes. Thus, the correct answer is D.
What is government?Government is refers as authority or association formed by the people of country and choose them to govern the country by maintain law and peace and providing better facilities of living.
The taxes paid to local government because with this tax, government earn revenue which they applied on different projects and provide resources for employment, safety and protection like police facility, hospitals and so on.
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Assume that a person consumes two goods, Coke and Snickers. Use a graph to demonstrate how the consumer adjusts his/her optimal consumption bundle when the price of Coke decreases. Carefully label all curves and axes. What will happen to consumption if Coke is a normal good? What will happen to consumption if Coke is an inferior good?
The consumption of coke would would increase if coke is a normal good. The consumption of Coke will fall if the income effect is dominant but would increase if substitution effect dominates even if the good is inferior
In the graph the budget constrait line is given by
[tex]P_{s}x + P_{c}y < m[/tex]
where m is the income
the budget line's u intercept is [tex]m/p_{c}[/tex]
and the x intercept is [tex]m/p_{s}[/tex]
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As a student of Business Ethics and a managing director of a multinational company, discuss five (5) factors you will consider in managing the multi-cultural and diversified workforce in Ghanaian business organizations.
Diversity withinside the place of the job means the recognition and inclusion of personnel of all backgrounds. Various background of job workers is an essential asset because it recognizes the individual strengths of every worker and the capacity they bring.
What are the factors to be considered for managing diversity?
The organization wishes to keep in mind whilst handling various groups of workers are:
diversity in Openness.Management of emotion Management of conflictsCultural understandinghence, to manage a multi-cultural and diversified workforce in Ghanaian business organizations, these above-mentioned factors are to be considered.
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In the list below, one statement is true and three are false.
When the firm is in financial distress, stockholders have an incentive to take risks. That's because riskier projects have higher NPV than the safer projects.
[ Select ]
The signaling theory says that it would be profit-maximizing for the firms to increase their amount of debt, as long as the tax savings from increasing debt are higher than the potential financial distress costs.
[ Select ]
Under both the pecking order theory and the signaling theory, firms that increase their debt amounts want to send a certain signal to the investors.
[ Select ]
Studies have shown that some firms choose their capital structure in such a way that it brings the most after-tax cash to its investors. For example, if a firm faces a 40% corporate income tax rate, its stockholders face a 25% income tax rate, and its creditors face a 32% income tax rate, then such firm may choose to have more debt (is the underlined part true or false?).
[ Select ]
Answer:
I think this is true and other are false. well just my guess
Explanation:
Studies have shown that some firms choose their capital structure in such a way that it brings the most after-tax cash to its investors. For example, if a firm faces a 40% corporate income tax rate, its stockholders face a 25% income tax rate, and its creditors face a 32% income tax rat
Effectiveness means:
Question options:
performing at the same level as accomplishing efficiency.
producing the desired result with a minimum of effort, expense, and waste.
performing a variety of tasks, being responsible to one or several managers.
producing a definite or desired result.
Effectiveness means producing the desired result with an application of minimum effort, expense, and waste.
What is effectiveness?When a firm or a producer produces goods or services by application of the available resources in the best possible way, ensuring their optimum utilization, the firm is engaged in bringing effectiveness in production.
Hence, option B holds true regarding effectiveness.
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Attitudes are a person's lasting evaluations of objects
True false
Answer:
False
Explanation:
Normal profit is the return to the entrepreneur when economic profits are zero. determined by subtracting implicit costs from total revenue. determined by subtracting explicit costs from total revenue. the average profitability of an industry over the preceding 10 years.
Normal profit is the return to the entrepreneur when the entire economic profits are equal to zero. Hence, the correct statement is Option A.
When the business earns normal profits?A commercial enterprise may be in a state of normal profit while its economic income is equal to 0, that is why normal profit is also called “zero economic profit.” Normal profit takes place on the factor wherein all sources are being successfully used and could not be put to better use elsewhere.
Hence, Normal profit is the return to the entrepreneur when the entire economic profits are equal to zero. The correct statement is Option A.
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what is limited liabilty
Kwan has $10,000 in interest expense; an expired $5,000 insurance policy; $20,000 in depreciation and he paid himself a dividend. what is the only item with no entry in assets on his balance sheet?
The only item with no entry in assets on his balance sheet is B) the interest expense.
When is an accounting entry for assets made?The accounting entry for assets is made when an asset increases or decreases in value.
For instance, the interest expense may not necessarily affect the assets because it is not stated if it has been paid in cash or not. However, the expired insurance policy, depreciation, and payment of dividends affect these asset accounts:
Prepaid Insurance,Long-term assetCash.Answer Options:A) the expired insurance policy
B) the interest expense
C) the depreciation
D) the dividend
Thus, the only item with no entry in assets on his balance sheet is B) the interest expense.
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Grade 11. (201 Choose the correct answer from the given four alternatives. 1. Some university graduates in Ethiopia spend sometimes after graduation looking for the best jobs instead of lacking any available job. In which unemployment category is this reflected? A. Voluntary unemployment C. Seasonal unemployment D. B and C B. Involuntary unemployment 2. GNP is the A. Accumulation of goods and services produced month by month B. Market value of all goods and services sold in one year C. Total market value of all final goods and services produced in one year D. Market value of all inputs sold to producers 3. What is the difference between the value of a firm's production and the value of intermediate goods that the firm used in production? A. Real GDP B. Value added C. Value added Tax (VAT) D. Investment 4. The value of existing capital stock that has been used up in the process of producing output is called B. Interest C. Depreciation D. Input - A. Profit 5. Which of the following is true about nominal GDP? A. Nominal GDP measured at base year price B. Nominal GDP reflects the true performance of the economy. C. Nominal GDP measured at current market prices D. Nominal GDP measured in real terms 6. The Real GDP of an economy in the year 2004 was 250 million birr. If the consumer price index during the same year was 200 the Nominal GDP of that economy in 2004 was C. 1.25 million. A. 125 B. 500 D. 450 7 11 god of
1. The unemployment category reflected by some Ethiopian graduates who spend time looking for the best jobs is A. Voluntary unemployment.
2. GNP (Gross National Product) is the C. Total market value of all final goods and services produced in one year.
3. The difference between the value of a firm's production and the value of intermediate goods that the firm used in production is B. Value added.
4. The value of existing capital stock that has been used up in the process of producing output is called D. Input.
5. The truth about nominal GDP is C. Nominal GDP is measured at current market prices.
6. If the Real GDP of an economy in 2004 was 250 million birrs with the CPI during the same year as 200, the Nominal GDP of that economy in 2004 was B. 500 million birrs.
How is the Nominal GDP determined from the Real GDP?To determine the Nominal GDP from the Real GDP, the GDP deflator multiplies the Real GDP.
Data and Calculations:Real GDP in 2004 = 250 million birr.
Consumer price index (CPI) in 2004 = 200
GDP deflator = CPI in current year/CPI in base year.
2.0 (200/100)
Nominal GDP = 500 million birr. (250 x 2)
Thus, if the Real GDP of an economy in 2004 was 250 million birrs with the CPI during the same year as 200, the Nominal GDP of that economy in 2004 was B. 500 million birrs.
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Explain two kind of possible inefficiencies in an economy....
Possible inefficiencies in an economy are :
inflationEconomic troubleWhat is economy?Economy serves as the production as well as consumption of goods and services.
When there is inflation which brings about high price of goods , the value of money will reduce.
Economy trouble such as one that occur in united state in 1930 can affect economy.
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At a Hallmark store you can find several lines of greeting cards, including Fresh Ink, Nature’s Sketchbook, Shoebox, Maxine, Mahogany, and Tree of Life cards—all made by Hallmark for sale in its stores and intended to appeal to different target markets. The Mahogany line is designed to appeal to African Americans. This is an example of ________ segmentation.
The aforementioned illustration shows how demographic segmentation is used, with the Mahogany line being created with African Americans in mind.
What do you mean by segmentation?The process of segmenting a target market into groups of potential customers with similar requirements and behaviors involves dividing the market into segments.
The division of consumers into segments according to their demographic traits is known as demographic segmentation. Age, gender, income, education, religion, nationality, and other factors are included in this.
Thus, the correct answer to be filled in the given blank is Demographic segmentation.
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