A prospective insured receives conditional receipt but dies before the policy is issued. The insurer will pay out the death benefit to recipient.
What is a conditional receipt?A conditional receipt is something that is given to someone who applies for insurance and pays the initial premium. This acknowledgement indicates that the person can only be insured if the insurance provider approves and the person meets the criteria for insurability. After a person submits an insurance application and the initial payment, an insurance company issues a conditional receipt. However, the corporation is not obligated by this arrangement to provide coverage for the individual. The applicant for insurance must demonstrate that he or she is insurable by fulfilling specific standards, such as successfully completing a medical exam. The insurance company will provide a certificate of approval once the applicant has satisfied those conditions.
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Give two pieces of independent evidence for a hot dense past to the universe, and describe the cosmic signal that confirms the universe was indeed like this about 14 billion years ago?
The cosmos formed from a hot, dense sea of matter and energy some 15 billion years ago. Galaxies, stars, planets, and life were created as the cosmos cooled and expanded. Two theories are most common are-
According to the big bang theory, the universe began as a point about 13.82 billion years ago and is currently expanding as a result of a tremendous explosion.According to steady state cosmology, the cosmos is exactly as it is. When matter expands, new matter is produced.What is Big Bang Theory?According to scientists, the universe started with every last bit of energy compressed into a single, minuscule point. The explosion from this incredibly dense point created stuff and propelled it outward to form the billions of galaxies that make up our huge cosmos. The Big Bang is the name given to this enormous explosion by astronomers.What is Steady State Theory?According to the Steady State theory, which also holds that the universe has always existed and is constantly expanding and generating stuff, the universe has always existed and will continue to do so. The red shift data is in favor of this theory, but the CMBR is not.Cosmology's steady-state theory holds that the universe is constantly expanding while maintaining a constant average density, with matter continuously being created to form new stars and galaxies at the same rate that older ones fade away due to their expanding distance and accelerating recession velocity.To know more about the Big Bang theory, here
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When can the wage bracket method be used to calculate employee federal withholding?
The wage bracket method can be used if an employee claims up to 10 allowances.
The wage bracket method is considered the most straightforward approach, as it tells you the exact amount to withhold based on the employee's taxable wages, number of allowances, marital status, and payroll period.
The wage bracket method is used when an employee claims up to 10 allowances. Thus, this method stops at 10 allowances and limits the number of wages that can be used to calculate withholding which brings us to the percentage method.
Hence, for employees, withholding is the amount of federal income tax which is withheld from your paycheck.
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When a homeowner is delinquent on property taxes, the first step taken by the government in correcting the late payment is:
When a homeowner is delinquent on property taxes, the first step taken by the government is delinquent taxpayer names are published in the local paper
Property taxes are delinquent on April first of the year following non-payment. A list of delinquent payers is published in a local county wide-newspaper.
A taxpayer is an individual or entity (such as a company) that is subject to tax liability. Modern taxpayers may have an identification number, an identification number issued by the government to citizens and businesses.
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_____ occurs when a sample, in some ways, is not representative of the target population.
Sampling error occurs when a sample, in some ways, is not representative of the target population. A sampling error is a statistical error that occurs when an analyst fails to choose a sample that accurately represents the entire population of data. As a result, the sample results do not correspond to the results obtained from the entire population.
Sampling is a type of analysis that involves selecting a subset of observations from a larger population. The selection method can result in both sampling and non-sampling errors. Sampling is a type of analysis that involves selecting a subset of observations from a larger population.
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The fixed cost of producing surfboards is $5,000 per month. The variable cost for producing 15 surfboards is $36,000 per month. The average cost of producing 15 surfboards in a month is ______.
The fixed cost of producing surfboards is $5,000 per month. The total variable cost of producing 15 surfboards is $36,000 per month. The average total cost of producing 15 surfboards in a month is (B)$2,733.33
What is Average Cost?Average cost is the total amount of all production costs divided by the quantity of output produced. This number is also known as average total cost or unit cost.
Average cost includes fixed costs, like those necessary for production, that remain the same no matter the output. Average cost also includes variable costs. which may increase or decrease according to output.
So, according the question,
Average Fixed Cost = $5,000
Average Variable Cost = $36,000
Average Total Cost = Average Fixed Cost + Average Variable Cost
= $5,000 + $36,000
= $41,000
Average Total Cost =Total Cost of Production/Quantity of Unit Produce
= $41,000 / 15
= $2,733.33
Hence, we can conclude that the Average Cost of producing 15 surfboards in a month is $2,733.33
Your question is incomplete, but most probably your full question was:
The fixed cost of producing surfboards is $5,000 per month. The variable cost for producing 15 surfboards is $36,000 per month. The average cost of producing 15 surfboards in a month is ______.
A)$333.33
B)$2,733.33
C)$2,400.00
D)$41,000.00
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Jessica submitted to cancel event request form to cancel event she is scheduled to conduct three weeks from today the only advertising she has done is to post the flyer at the event venue select the cancellation procedure she does not need to follow
Jessica submitted to cancel event request form to cancel the event she is scheduled to conduct three weeks from today the only advertising she has done is to post the flyer at the event venue and select the cancellation procedure she does not need to follow is to arrive at the location at the appointed time for the event and remain there for 30 minutes in case any attendees come.
United HealthCare's(UHC) event cancellation reporting rules include:
The last advised date for submitting a cancel event request form was no later than six business days before the event in order to ensure that an event is canceled in United Healthcare's event reporting application by the reporting deadline.Except in cases of adverse weather, events must be canceled and reported in the united healthcare event reporting application at least one business day before the event.Hence, if Jessica submitted to cancel event request form to cancel the event she is scheduled to conduct three weeks from today the only advertising she has done is to post the flyer at the event venue and select the cancellation procedure she does not need to follow is to arrive at the location at the appointed time for the event and remain there for 30 minutes in case any attendees come.
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Which stage in the product life cycle is characterized by rapid market acceptance and increasing profits?
Growth stage in the product life cycle is characterized by rapid market acceptance and increasing profits.
A proper market strategy can take a good product in a growth stage using all of the marketing strategies. A product life cycle is characterized by sales and processing in various stages which are maturity, growth,decline and development.
Increasing profit in rapid market acceptance with slowing down the rigorous life cycle can help get a good in hand profit.
Demand begins to accelerate the moment and size of the market expands rapidly. Product life cycle totally depends on economies of scale and production size.
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If you are reviewing the industry-low, industry-average, and industry-high values for the benchmarked data on pp. 6-7 of each issue of the FIR, which one of the following would you consider to be an untrustworthy indication that one or more elements of your company's costs are too high compared to those of rival companies
If you are reviewing the industry-low, industry-average, and industry-high values for the benchmarked data on pp. 6-7 of each issue of the FIR, The development of a collection of constructions and propositions that are developed to attain certain goals pertaining to social, economic, and environmental circumstances, as well as the operation and performance of the transport system, is the focus of transport policy.
This is further explained below.
What is FIR?Generally, When the police acquire information concerning the conduct of a cognizable offense, they will compile what is known as a First Information Report (FIR), which is a written record.
In conclusion, If you are looking at the benchmarked data on pages 6-7 of each issue of the FIR, you may find the industry-low, industry-average, and industry-high numbers for each category there. The development of a set of constructions and propositions that are developed to attain certain goals pertaining to social, economic, and environmental circumstances, in addition to the operation and performance of the transport system, is the focus of transport policy. This development comes in the form of a collection of constructions and propositions that are developed.
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Perfectly competitive industries are Group of answer choices difficult to enter because there are already so many producers in the industry. not particularly appealing or attractive to enter because there tend to be so many buyers that it is difficult to deal with them. relatively easy to enter but not so easy to exit from. none of the above
none of the above
What is the result of perfect competition in an industry?A fully competitive firm's total revenue grows smoothly at a constant pace dictated by the current market price as it consistently generates more output.
What sort of market is competitive?Consumer rivalry is fueled by a competitive market. This implies that consumers compete with one another for a good or service, particularly when stock is low. Customers frequently compete for the best seats when buying tickets to athletic events or concerts, for instance.
Which industries are completely competitive?Markets for produce: The closest example of ideal competition in real life may be a typical farmers' market.markets for foreign exchange.internet-related businesseslearn more about Perfectly competitive industries here
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Harold Grey owns a small farm that grows apricots in the Salinas Valley. The apricots are dried on the premises and then sold to a number of large supermarket chains. Based on past experience and committed contracts, he estimates that the sales over the next five years in thousands of packages will be as follows:
The constant workforce that's required for the next five years is 10 workers.
How to calculate the workforce?From the information, the net requirement will be:
= 300000 - 20000
= 280000
Therefore, the workforce required will be:
= 280000/30000
= 9.33
Since workers can't be in decimal, therefore 10 workers are needed.
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Need help ASAP please answer this
The sum of the bank's total amount of liabilities and net worth is $5002 million.
How to calculate the values?The sum of the bank's total amount of liabilities and net worth will be:
= Total reserves + Loans + Securities + Other assets.
= 268 + 3653 + 949 + 132
= $5002 million
The additional amount of loans that the bank can make to household and firm is $8 million. This is simply the value of the excess reserve.
The current quantity of transaction deposits at the bank will be:
(Total reserve - Excess reserve) = Transactions deposit × Reserved ratio
(268 - 8) = Transaction deposit × 10%
260 = Transaction deposit × 10%
Transactions deposit = 260/10%
Transaction deposit = $2600 million = $2.6 billion
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The currency drain ratio for m1 is ______ than for m2, and the banks' reserve ratio for m1 is ______ than for m2.
'The currency drain ratio for m1 is lesser than for m2, and the banks' reserve ratio for m1 is greater than for m2. Read below about currency drain ratio.
What is currency drain ratio?Currency drain ratio is the percentage of banknotes that households keep in form of cash rather than depositing in a bank. It is the amount of cash a person holds and the amount of money she maintains in readily accessible bank accounts, such as checking accounts.
Therefore, the correct answer is as given above.
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Mega corp.has $10,000 in net income and $40,000 in sales. What is mega corp.’s profit margin?
a. 4%
b. 20%
c. 25%
d. 400%
e. 100%
Profit margin is 25%
Given net income is $10,000 and sales is $40,000.
Cost = Sales - net income
=$40,000-$10,000
=$30,000
Profit margin to be computed.
Profit margin measures how much the money a firm or the business activity produces by dividing income by the revenues. Profit margin, given as a percentage, is basically the number of cents earned for every dollar of the sales.
Profit margin is computed with the formula given below:
Profit margin= Revenue-Cost / Revenue
= $40,000- $30,0000/ $40,000
= 0.25
=25%
Therefore, the correct option of the profit margin is c. 25%.
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For studies conducted outside of the u.s., the device risk analysis and assessment are described in the?
For studies conducted outside of the u.s., the device risk analysis and assessment are described in the Investigator's Brochure (IB)
This is further explained below.
What is Investigator's Brochure (IB)?Generally, The Investigator's Brochure (IB), which is kept up to date by a drug developer or investigator, is a thorough compilation of clinical and nonclinical data on the investigational product (drug, supplement, device, or other product) that contains the body of knowledge about the investigational product obtained before the study began.
In conclusion, The device risk analysis and evaluation are given in the investigator's brochure for trials that were carried out in countries other than the United States (IB)
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In what ways may legally required benefits have contributed to an employee entitlement mentality regarding discretionary benefit offerings?
Discretionary benefits within the organizational setting are mandated by the law. Due to this reason, the first contribution towards employees is that they have taken it as their right rather than a privilege. Other contributions are as follows:
Building psychology of arrogance towards the rights as it is mandated by law, even if they don’t perform their action.Reduction in the responsibilities towards the organizations as employees know that they will overall get the legally mandated benefits.Attention on the benefits rather than on their own contributions towards the key responsibility areas that brings sustainability to the organizationInability of the employers to provide discretionary benefits becomes a point of legal case and bargaining from the employees’ end.The discretionary benefits refer to employment benefits, that are not mandated by the authority, and involve a variety of employee benefits such as health insurance, sick leave, maternity leave, vacation leave, life insurance, and health insurance. The benefits are granted at the intention of a company, that are viewed by the employees as an entitlement.
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When evaluating a single project for acceptance, the NPV and IRR decision rules will give the same result when Blank
When evaluating a single project for acceptance, the NPV and IRR decision rules will give the same result when The graph of the NPV versus discount rate decline smoothly as the discount rate increases.
Net present value, or NPV, is used to calculate the current total value of future payments. If the NPV of a project or investment is positive, it means that the discounted present value of all future cash flows related to that project or investment will be positive, and therefore attractive.
It is calculated by taking the difference between the present value of cash inflows and the present value of cash outflows over a period of time. As the name suggests, net present value is nothing but net off of the present value of cash inflows and outflows by discounting the flows at a specified rate.
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When evaluating a single project for acceptance, the NPV and IRR decision rules will give the same result when The graph of the NPV versus discount rate decline smoothly as the discount rate increases.
Net present value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows over a period of time. In contrast, the internal rate of return (IRR) is a calculation used to estimate the profitability of potential investments.
Both of these measurements are primarily used in capital budgeting, the process by which companies determine whether a new investment or expansion opportunity is worthwhile. Given an investment opportunity, a firm must decide whether making the investment will result in net economic gains or losses for the company
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What is the chief reason that the occupations of telephone operator and parking enforcement worker are projected to decline rapidly
The Use of computerized equipment is the chief reason that the occupations of telephone operators and parking enforcement workers are projected to decline rapidly. This is further explained below.
What are telephone operators?Generally, The most significant factor contributing to the anticipated quick demise of jobs in the fields of telephone operators and parking enforcement officers is the increasing prevalence of automated technology.
In conclusion, The several meanings for the term "telephone operator." is someone who assists callers in reaching the intended recipient of their calls. Switchboard operator and telephonist are two terms that are interchangeable. category: manipulator; sometimes called operator. an element that is responsible for the operation of a device or instrument.
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_____________________ are a form of tax and spending rules that can affect aggregate demand in the economy without any additional change in legislation. Standardized employment budgets Discretionary fiscal policies Automatic stabilizers Budget expenditures
Fiscal policy.
Fiscal policy involves changes in taxes or spending (government budget) to achieve economic goals. Changing the corporate tax rate would be an example of fiscal policy. fiscal policy: changes in Federal government spending or tax rates for the purpose of influencing the macroeconomy.
Discretionary Fiscal Policy: government spending and tax changes enacted at the time of the problem to alter the economy. Nondiscretionary Fiscal Policy: that set of policies that are built into the system to stabilize the economy (sometimes called automatic stabilizers).
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Bannister has run a mile in just under four minutes, which is his best time ever. this would represent his level of ____ for this skill.
Bannister has run a mile in just under four minutes, which is his best time ever. This would represent his level of competence in this skill.
According to the Competency Framework, the level of competence can be divided into four categories: Basic, Capable, Accomplished, and Authoritative.
An explanation of what is normally required of a person working at each level is provided for each of the different competencies.
It is significant to note that the descriptions of the topics covered by each competency must be fairly broad in order for one to apply the Framework to one's own work context, regardless of whether you are employed as a land manager, consultant, adviser, or regulator for a statutory agency, a policymaker, or in any other relevant capacity.
If you are competent at the authoritative level, both internal peers and peers outside of your organization will view you as an authority.
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You are considering purchasing a car, and you are offered a loan with a nominal interest rate of 5 %. Assume inflation is expected to average 2 % over the life of the loan. What is the real interest rate
The real interest rate is;
Real interest rate = nominal interest rate - inflation
What is inflation?The rate at which prices increase over a specific time period is known as inflation. Inflation is often measured in broad terms, such as the general rise in prices or the rise in a nation's cost of living.
There are three main causes of inflation:
demand-pull inflation: Demand-pull inflation, which economists define as "too many dollars chasing too few things," is the increasing pressure on prices that accompanies a scarcity in supply.cost-push inflation: When the cost of labor and raw materials rise, the overall price level will rise (inflation).built-in inflation: As employees anticipate an increase in compensation when the cost of products and services rises in order to maintain their standard of living, this is known as built-in inflation.What is real interest rate?A real interest rate reflects the rate at which current things are preferred over future goods over time.
The difference between the nominal interest rate and the inflation rate is used to calculate the real interest rate for an investment.
Real interest rate = nominal interest rate - rate of inflation (expected or actual).
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If Johnson Marketing's capital gain on the sale of its business was $479,000, capital improvements were $227,000, and the adjusted basis in the property was $976,000, what was the sales price
If the capital gain was $479,000, the capital expenditure was $227,000 and the adjusted basis price of the property was $976,000.
The Sales Price was $ 1,682,000.
What is Sales?Sale is the act of selling a product, in most of the manufacturing companies sell their inventory to earn profits and this is how they generate revenue.
There are cases where company sell their assets that they use or are alternatively as capital investments, the case in the scenario is of a sale of a property, the property is sold at a price, the price is unknown but the amount of gain/ profit made at the sale is known and provided.
The amount of profit, capital expenditure and the adjusted basis price of the property is added to formulate the sales price for the property.
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As utility companies tend to serve a whole market exclusively, they are known as ______ because the governments involved believe that the product or service would not be supplied otherwise.
Natural monopoly tends to serve a whole market exclusively.
What is Natural Monopoly?A natural monopoly is a sort of monopoly that frequently arises as a result of the high start-up costs or considerable economies of scale of operating a business in a particular industry, which can result in significant barriers to entry for potential competitors. In a certain sector or region, a corporation with a natural monopoly might be the exclusive supplier of a given good or service. In industries that need specialized technology, raw materials, or other elements to function, natural monopolies may develop.
Key Features of Natural MonopolyA natural monopoly is a special kind of monopoly that develops when there is only one company that can effectively provide the service in a particular area due to high start-up costs and considerable economies of scale.A business with a natural monopoly may be the exclusive supplier of a good or service in a given sector or region.Natural monopolies are permitted when one firm can provide a good or service for less money than any potential rival, but they are frequently very tightly controlled to safeguard consumers.Learn more about Natural monopoly here:
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An internal control system is used to do all of the following: (You may select more than one answer. Single click the box with the question mark to produce a check mark for a correct answer and double click the box with the question mark to empty the box for a wrong answer. Any boxes left with a question mark will be automatically graded as incorrect.)
(A) Protect assets checked and, (C) Ensure reliable accounting checked.
What Are Internal Controls?Internal controls are the systems, guidelines, and practices that a business uses to guarantee the accuracy of its financial and accounting data, encourage accountability and thwart fraud.
Internal controls can help increase operational efficiency by enhancing the accuracy and timeliness of financial reporting, in addition to ensuring compliance with laws and regulations and preventing employees from embezzling money or committing fraud.
Which of these two types of internal controls are they?
Preventive and investigative efforts make up the bulk of internal controls. Thorough documentation and permission procedures are part of preventive control operations, which try to stop mistakes or fraud from happening in the first place. Detective controls are backup procedures that are intended to find things or events that the first line of protection has missed.
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Correct question:
An internal control system is used to do all of the following: (You may select more than one answer. Single click the box with the question mark to produce a check mark for a correct answer and double click the box with the question mark to empty the box for a wrong answer. Any boxes left with a question mark will be automatically graded as incorrect.)
(A) Protect assets checked
(B) Prevent all losses checked
(C) Ensure reliable accounting checked
(D) Control the entire operation
Both interest bearing and noninterest bearing notes bear interest.
A. True
B. False
The statement "Both interest bearing and noninterest bearing notes bear interest." is true.
An interest-bearing note bears interest. The interest on a non-interest-bearing note is subtracted from the note's principal. So, the statement is true.
An interest-bearing note is a sum of money that a lender lends to a borrower, with interest accruing in line with the conditions of the contract.
A non-interest bearing note is a loan for which the borrower is not legally required "to pay the lender any interest" at all.
Both kinds of notes bear interest, hence the term "noninterest bearing" is misleading. Interest is deducted from a noninterest bearing note at the time the loan is made.
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You are mailing invitations to new medicare beneficiaries for a marketing event. You want an idea of how many people to expect?
If you want an idea of how many people to expect, so you would like to request RSVPs.
The Social Security Administration launched the Medicare national health insurance program in 1965. The Centers for Medicare and Medicaid Services are currently in charge of running the program.
Medicare (medical insurance) assists in covering the costs of some preventive services, outpatient care, home health care, durable medical equipment, and services from physicians and other healthcare professionals.
Low-income seniors are especially in need of Medicare coverage since they are less financially secure than their higher-income counterparts and have fewer resources available to them in the event of large medical expenses.
In light of the above, it is important to keep in mind that while you can ask for an RSVP, you are unable to get contact information. This will give you a better idea of how many people to expect.
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Article 3, section 49a of the texas constitution, also known as the pay-as-you-go limit, requires that:_______.
Article 3, section 49a of the Texas constitution, also known as the pay-as-you-go limit, requires that debt cannot be greater than 5 percent of state revenue.
How to illustrate the Constitution?It should be noted that Article 3, section 49a of the Texas constitution, is known as the financial statement and estimate by comptroller of public account. It's the limitation of appropriation.
Texas is a free and independent State, subject only to the Constitution of the United States, and the maintenance of our free institutions and the perpetuity of the Union depend upon the preservation of the right of local self-government, unimpaired to all the States.
Texas Constitution reflects six principles such as popular sovereignty, limited government, separation of powers, checks and balances, federalism, and the protection of individual rights.
In conclusion, the debt cannot be greater than 5 percent of the revenue of the state.
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Gabriele Enterprises has bonds on the market making annual payments, with 10 years to maturity, a par value of $1,000, and selling for $890. At this price, the bonds yield 7.7 percent. What must the coupon rate be on the bonds
The coupon rate is 4.29%.
FV = 1000
PMT = ?
N = 8
I = 5.10%
PV = -948
Inputting the above details on the calculator you can find PMT
$42.92 PMT(5.1%,8,-948,1000)
Alternatively, the PMT function in excel can also be used
Coupon Rate = 42.92/1000
= 4.29%
This gives you a coupon rate of 4.29%
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Unlike an assembly line where workers perform only a few tasks, in a __________ layout, teams of workers combine to perform a variety of tasks needed to produce more complex units of a final product.
Unlike an assembly line where workers perform only a few tasks, in a modular layout, teams of workers combine to perform a variety of tasks needed to produce more complex units of a final product.
Modular design is an approach to product design used to manufacture a complete product by integrating or combining small parts that are independent of each other. Websites are built from templates, which are full-page layouts that provide the structure for individual types of websites (homepage, product, service pages, etc.).
Customized to meet the needs of different customers. Over time, some modules are developed to serve new purposes or to improve performance in some way.
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Market Data Corporation is required to file a registration statement with the Securities and Exchange Commission. This statement must contain:
Based on the fact that Market Data Corporation needs to file a registration form with the Securities and Exchange Commission, their statement should include b. a description of securities being offered for sale.
What is needed to sign a registration statement with the SEC?The Securities and Exchange Commission was established to ensure that the stock and capital markets run as smoothly as possible.
For this to happen, new companies that want to issue stock need to file a registration form with the SEC and this form must talk about the securities that are up for sale so that the SEC can have them on record.
Options for this question include:
a. a copy of prospectuses to be provided to investors. b. a description of securities being offered for sale. c. a record of pre-registration sales in securities. d. a statement that securities being offered for sale are worth the priceFind out more on the Securities and Exchange Commission at https://brainly.com/question/9089676
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haley learns that someone used her name to open a credit card account which consumer protection agency brainly
The bureau of the consumer protection that has to help Haley is the Federal Trade Commission.
What is the Federal Trade Commission?
This is the name that is used to refer to the bureau of consumer protection in the United States that helps tp protect the consumers in the nation from fraudulent practices.
The bureau is known for the fact that it helps to enforce antitrust laws in the nation. Another thing that the bureau helps to do is to ensure that the people are protected based on finance.
Hence this is the agency that Haley would have to report this issue to.
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