Option D is correct. The recipient receives the premiums paid plus any interest collected if the annuitant passes away before the annuity begins.
What happens if the annuitant dies before the annuity start date?If the first owner or the final annuitant dies prior to the annuity date, a death benefit equal to the total of the purchase payments will be paid to the beneficiary. payments of guaranteed income for one life (or two lives for Joint Life option).
Are proceeds of life insurance received by the heirs of the insured taxable or exempt?The life insurance proceeds you receive as the insured person's beneficiary upon his or her demise are generally not taxable and do not need to be reported. You must still declare any interest you receive because it is taxable.
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_____ refers to the process of combining aspects of reporting, data exploration and ad hoc queries, and sophisticated data modeling and analysis.
Business intelligence refers to the process of combining aspects of reporting, data exploration and ad hoc queries, and sophisticated data modeling and analysis.
Business intelligence (BI) contains the strategies and technologies utilized by companies for the facts analysis and control of business facts. Not unusual capabilities of business intelligence technology consist of reporting, online analytical processing, analytics, dashboard improvement, data mining, technique mining, complex event processing, business performance management, benchmarking, text mining, predictive analytics, and prescriptive analytics.
BI equipment can cope with big amounts of established and from time to time unstructured data to assist identify, expand, and in any other case create new strategic commercial enterprise opportunities.
They purpose to permit the clean interpretation of those large pieces of information. Identifying new opportunities and enforcing a powerful strategy primarily based on insights can offer agencies an aggressive marketplace benefit and lengthy-term stability, and assist them to make strategic choices.
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Jin buys a used car from klee. jin knows that loan company has a security interest in the car but is not aware that klee has missed several payments on the loan. loan repossesses the car. jin can recover for breach of warranty from a. loan but not klee. b. neither klee nor loan. c. klee or loan. d. klee but not loan.
Jin buys a used car from klee. jin knows that loan company has a security interest in the car but is not aware that klee has missed several payments on the loan. loan repossesses the car. The correct option is (b) neither klee nor loan.
A loan is a type of debt that a person or other entity incurs. The lender advances the borrower a certain amount of money, typically on behalf of a business, financial institution, or government. The borrower accepts a specific set of terms in return, which may include any financial costs, interest, a repayment schedule, and other requirements.
An amount of money that a person or business borrows from a lender is known as a loan. It can be divided into three basic groups: conventional, open-end and closed-end loans, and unsecured and secured loans.
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The acquisition of caremark rx, inc. , (a pharmacy benefits manager) by cvs corporation (a retail pharmacy) is an example of a______________________ and allows cvs to gain ___________________________
The acquisition of caremark rx, inc. , (a pharmacy benefits manager) by cvs corporation (a retail pharmacy) is an example of a backwards vertical acquisition and allows cvs to gain increase market power.
The American healthcare firm CVS Health Corporation (formerly CVS Corporation and CVS Caremark Corporation) is the owner of numerous brands, including Aetna, a health insurance provider, CVS Caremark, a chain of retail pharmacies, and CVS Pharmacy.
The specialized pharmacy section known as CVS Specialty offers specialty pharmacy services to people with hereditary or chronic disorders who need sophisticated and expensive pharmacological treatments.
The largest specialty pharmacy in the United States is CVS Health, which runs 24 retail specialty pharmacy shops and 11 specialized mail order pharmacies.
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Why must an agent present accurate complete and factual plan information to consumers?
Can aid in preventing misconceptions.
To aid the buyer in concentrating on facts unique to the plan, such as benefits and prices.
To assist in preventing customer confusion.
Presenting accurate, complete, and factual plan information to consumers is essential for several reasons. Firstly, it helps to avoid misunderstandings between the consumer and the agent. Accurate information ensures that the consumer has a clear understanding of what the plan entails, minimizing the chances of false expectations or misconceptions.
Secondly, providing comprehensive details allows the consumer to focus on plan-specific information, such as benefits and costs, enabling them to make informed decisions aligned with their needs. Moreover, accurate information prevents confusion, ensuring that consumers can navigate through their options confidently.
In essence, transparent and factual communication fosters trust, empowers consumers to make well-informed choices, and establishes a positive relationship between the agent and the consumer.
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Reflect on what you have learned about reaganomics and the economic data you have analyzed. using what you have learned, write a short paragraph that answers the question: what were the positive and negative effects of reaganomics?
The positive impact of Reaganomics was that
It lowered unemploymentIt caused inflation to fallIt brough tdown inflationIt raised GDPThe negative impacts of Reaganomics was that
It made the already rich richerIt led to reduction in the income levels of AmericansIt caused the deficit budget to grow as well as debts.What was Reaganomics?This was the term that was used to refer to the economic policy of President Reagan.
The goal was to reduce government spending, increase military spending and create environment for businesses to grow by tax reduction.
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Answer:
Reaganomics achieved some of President Reagan's economic goals. Inflation and unemployment decreased by the end of Reagan's administration, showing that Reaganomics had helped parts of the economy to recover from stagflation. However, the benefits of Reaganomics did not help all Americans equally. The tax cuts of Reaganomics mostly helped the wealthiest Americans to increase their wealth. Reaganomics also failed to address economic inequality of Black and White Americans.
Explanation:
example answer for edmentum
When employers give raises, they're using _______ power.
legitimate
reward
referent
absolute
Answer:
absolute powerrrrrrrrrr
When employers give raises, they're using reward power. Thus, option (b) is correct.
Being able to give others rewards or incentives gives one a form of power known as reward power. Employers might utilize incentives such as increases, bonuses, promotions, or other rewards to encourage workers at work.
Employers have the capacity to shape their employees' behaviour and motivate them to put in more effort or deliver better work by employing the power of rewards. Legitimate power, on the other hand, comes from a person's position or title within an organization. This form of power is distinct from that.
As a result, the significance of the employers give raises, they're using reward power are the aforementioned. Therefore, option (b) is correct.
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The uncertainties of direct and indirect losses to personal or real property due to fire, windstorms, accidents, theft, and other hazards are called __________blank risks. Multiple Choice personal business property liability speculative
The answer is Property risk.
Financially speaking, the risk is the possibility that a result or investment won't produce the desired results or return.
Risk involves the potential for losing all or a portion of the initial investment.
Risk situations that specifically affect a company's buildings and other physical assets are referred to as "property risk."
Property risk is made up of risk occurrences like fires, bad weather, and terrorist strikes.
Property risk events have the ability to stop corporate operations and cause significant financial losses in addition to harming and destroying physical property.
Hence, The uncertainties of direct and indirect losses to personal or real property due to fire, windstorms, accidents, theft, and other hazards are called property risks.
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A bond issue on June 1, 2016, has interest payment dates of April 1 and October 1. Bond interest expense for the year ended December 31, 2016, is for a period of
The answer is seven months.
Given,
A bond issue on June 1, 2016
Interest payment dates of April 1 and October 1
To calculate:
Bond interest expense for the year ended December 31, 2016
Since we know that interest expense is for the time the bonds were outstanding during the reporting period.
Therefore,
Bonds issued on June-1, 2016
months Total = June to December = seven months
Since, Interest payment date is October 1, 2016.
This means interest will be paid on this date.
Also, for the year will be included in the interest expense along with the accrued interest for the remaining 4 months (October 1, 2016 to December 31, 2016).
Hence, the Bond interest expense for the year ended December 31, 2016, is for a period of seven months.
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If the central bank wants to contract aggregate demand, it can ________ the money supply and thereby ________ the interest rate.
If the central bank wants to contract aggregate demand, it can reduce the money supply and thereby increase the interest rate.
How is aggregate demand contracted by the central bank?The ways that the central bank can contract aggregate demand are:
Increasing higher interest ratesIncrease the reserve ratioReducing the quantity of loanable funds.When it reduces the interest rates and the reserve ratio, it will increase the money supply and aggregate demand will increase.
Thus, if the central bank wants to contract aggregate demand, it can reduce the money supply and thereby increase the interest rate.
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A federal unemployment tax is levied on
Any business with employees are subject to a payroll tax under the Federal Unemployment Tax Act (FUTA).
Payments of unemployment compensation to workers who have lost their jobs are made possible by the Federal Unemployment Tax Act (FUTA), which works with state unemployment systems. Most businesses are required to pay both federal and state unemployment taxes. Visit the U.S. Department of Labor's Contacts for State UI Tax Information and Assistance for a list of state unemployment tax agencies. FUTA tax is not taken out of an employee's paycheck; it is only paid by the employer.
Therefore, it is imposed on any business with employees
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Brent called insurance companies and got insurance quotes for the three trucks. Both the 1996 Ford F150 and the 1998 Chevy 1500 were quoted for $250 and the 2000 Toyota Tundra was quoted for $245. To help Brent make his decision gather some more reliable information by using newspapers, or looking at their Web sites, and reviewing consumer magazines and Web sites. Also, look at the manufacturer Web site or www.fueleconomy.gov for information about gas mileage. List the sources you use and include the notes you take from each source.
Use the PACED decision-making process to make the decision for Brent. Show your work.
The sources that one could use to gather some more reliable information regarding the insurance companies are;
P - Problem - there is a need to make a choice
A - Alternatives - The alternatives here are two insurance companies
C - Criteria - We need to establish the company that is more reliable
E - Evaluate - This is the process of comparing information obtained about both companies
D - Decision making - This is the process of making a decision to go with the best insurance company.
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The stock market is based on companies offering investors the opportunity to make money by _________________.
The stock market is based on companies offering investors the opportunity to make money by purchasing and trading stocks.
Buyers and sellers of securities can connect, communicate, and conduct business on the stock market. In addition to serving as a gauge for the general economy, the markets enable price discovery for corporate share prices. As players in the open market compete for business, buyers and sellers may be guaranteed that they will receive a fair price, a high level of liquidity, and transparency.
The environment on a stock exchange is regulated and controlled. The Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority are the main regulatory bodies in the United States. Physical share certificates on paper were used in the earliest stock markets' issuance and trading. Today's stock exchanges run entirely online.
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Sending birthday greetings and discounts based on customer profile data is considered to be ________________________ in database-driven marketing communications.
Sending birthday greetings and discounts based on customer profile data is considered to be personalized communications in database-driven marketing communications.
What do you understand by personal communication?
Personal communications may be private letters, memoranda, emails, personal interviews, or telephone discussions. As the material cannot be accessible by others, personal communications are only cited in the text and are not listed in the references.
What involves the use of databases to customize communications to customers for the purpose of promoting a product or service?
Database marketing is a type of direct marketing that uses customer or potential customer databases to create personalized messages to market a good or service.
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There are many account representatives who can help you with your order is an example of a cliche.
a. true
b. false
The statement"There are many account representatives who can help you with your order is an example of a cliche." is FALSE. This is further explained below.
What are account representatives?Generally, A professional who typically works on teams that are responsible for providing customer support and creating relationships is known as an Account Representative. They bring in revenue through establishing new customer connections and fostering those that are already in existence. They collaborate with clients on an as-needed basis throughout each step of the development process.
In conclusion, The convenience factor is one of the many benefits that listeners may get from podcasting as a form of advertising.
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Most consumer protection statutes praise and protect unconscionable contracts and contracts of adhesion.
The statement " Most consumer protection statutes praise and protect unconscionable contracts and contracts of adhesion" is true.
What consumer protection?Consumer protection can be defined as the way of protecting consumer or buyers against trade practice that is unjust.
Hence, the statement is correct because consumer protection help to praise and as well safeguard unconscionable contracts and contracts of adhesion.
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In principal-principal conflicts (conflicts between controlling shareholders and minority shareholders), the ownership (of equity) is
In principal-principal conflicts, the ownership is Concentrated—often greater than 50% of equity is controlled by controlling shareholders.
A corporate shareholder (often called a shareholder in the United States) is an individual or entity (e.g., another corporation, corporation, trust, or partnership) incorporated by the corporation as the legal owner of its share capital. of a public or private enterprise. Shareholders can be called members of the company.
A person or entity becomes a shareholder of a company if its name and other details are entered in the company's register of shareholders or members and the company has no obligation or right to inquire as to beneficial ownership of the shares. Unless this is required. By law. Generally, companies cannot own stock in their own company.
Shareholders' influence on the company is determined by their shareholdings. The shareholders of a company are legally separated from the company itself.
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As the number of facilities in a supply chain network increases, total logistics costs will:_________
As the number of facilities in a supply chain network increases, total logistics costs will increase. A supply chain is a network that connects all of the people, businesses, resources, tasks, and technological advances involved in the production and distribution of a good.. The distribution of raw materials from supplier to manufacturer and on to the final delivery to the client make up the entirety of supply chain.
Distribution channel refers to portion of the supply chain that transports the final good from the manufacturer to the consumer. Practical planning and specific arrangements required to successfully execute known as logistics.
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Since the most direct channel is from the manufacturer straight to the consumer, why is it not always the best for a business to take this approach every time?
Why it is not always the best for a business to take this approach every time is: because intermediaries create value for the consumers/buyers.
What is direct channel?Direct channel can be defined as the channel that enables consumers to buy goods or product directly from a producer.
Hence, since intermediaries which help to render intermediation services between the consumer and manufacturer can create value for the consumers/buyers which means that it is not always the best for a business to take this approach every time.
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Well-defined goals such as defining the risks a program will manage, what risk management processes are required, and how risk management efforts will be coordinated are all part of a(n)_____ program.
Well-defined goals such as defining the risks a program will manage, what risk management processes are required, and how risk management efforts will be coordinated are all part of a risk management program.
Risk management is the process which is used for identifying, assessing and controlling threats to an organization's capital and earnings. These risks arise from a variety of sources which includes financial uncertainties, legal liabilities, technology issues, accidents, strategic management errors and natural disasters.
A successful risk management program also helps an organization to consider the full range of risks faced by it. Risk management examines the relationship between the different risks and the cascading impact they could have on an organization's strategic goals.
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The standard deviation of return on investment A is 24%, while the standard deviation of return on investment B is 19%. If the covariance of returns on A and B is 0.009, the correlation coefficient between the returns on A and B is __________.
The standard deviation of return on investment A is 24%, while the standard deviation of return on investment B is 19%. If the covariance of returns on A and B is 0.009, the correlation coefficient between the returns on A and B is 0.197368.
What is the correlation coefficient between the returns on A and B?Generally, the equation for the Correlation coefficient is mathematically given as
Correlation coefficient = Covariance of returns on investment A and B / (Standard deviation of return on investment A * Standard deviation of return on investment B).
Therefore
CC= 0.009 / (0.24 * 0.19)
CC= 0.197368
In conclusion, the Correlation coefficient between returns on investment A and B is
CC = 0.197368
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Emily’s list is a national pac that is funded by women and focuses on raising money for women candidates at which part of the campaign cycle?
the early part of the campaign cycle is the part that the Emily's ;list is used to funded by women and focuses on raising money for women candidates.
What is meant by the campaign cycle?This is the term that is used to refer to the period that is known to be before the election of candidates in a government. This is the period where the awareness is raised for the person that is to be elected into a representative role.
The Emily list has to do with the people that are in support of the legalization of abortion in the United States of America, These are the democrats that are in favor of it.
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In the short run a firm in any of the market models can operate at a(n) _________________
In the short run, a firm in any of the market models can operate at a(n) loss or economic profit, or normal profit.
What are the 4 types of market structures?
The four types of economic market structures are an oligopoly, monopoly, perfect competition, and monopolistic competition. The following characteristics explain why the categories are different: In oligopoly, there are few producers, many in perfect and monopolistic competition, and one in monopoly.
What happens to a monopolistic competitive firm in the short run?
A monopolistically competitive company optimizes profits or minimizes losses in the short run by producing the amount where marginal revenue equals marginal cost. The company will make an economic profit if the average total cost is lower than the market price.
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The following are the Jensen Corporation's unit costs of making and selling an item at a volume of 2,000 units per month (which represents the company's capacity): Manufacturing: Direct materials $2.00 Direct labor $3.00 Variable overhead $1.50 Fixed overhead $0.35 Selling and Administrative: Variable $3.00 Fixed $0.75 Present sales amount to $1,200 units per month. An order has been received from a customer in a foreign market for 200 units. The order would not affect current sales. Fixed costs, both manufacturing and selling and administrative, are constant within the relevant range between 1,200 units and 2,000 units. The variable selling and administrative expenses would have to be incurred on this special order as well as for all other sales. Direct labor is a variable cost. Assume the company has 50 units left over from last year which have small defects and which will have to be sold at a reduced price for scrap. The sale of these defective units will have no effect on the company's other sales. Which of the following costs is relevant in this decision?
a. $6.50 variable manufacturing cost
b. $6.85 unit product cost
c. $3.00 variable selling and administrative cost
d. $10.60 full cost
$3.00 variable selling and administrative cost are relevant in this decision.
Both variable and absorption accounting calculations must take into account variable selling and administrative costs. In contrast to fixed expenses, which frequently fluctuate, variable costs, such as commissions, bonuses, and utility bills, are dependent on the production and sales of the product throughout the period. Variable manufacturing costs must be separated from variable marketing and administrative costs, which frequently have identical account names.
A relevant expense in managerial accounting is one that might have been avoided if a particular business action had not been made. In the aforementioned situation, the variable selling and administrative cost, which is then the relevant cost, was highlighted as the sole cost that would change if the new order will be handled.
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In a positive contrast effect, a decrease in the rate of _____ on one component of a multiple schedule is followed by an increase in the rate of _____ on the other component.
In a positive contrast effect, a decrease in the rate of reinforcement on one component of a multiple schedule is followed by an increase in the rate of response on the other component.
What is Contrast Effect?The contrast effect is a cognitive bias that distorts our perception of something when we compare it to something else, by enhancing the differences between them. This comparison can be either explicit or implicit, simultaneous or at separate points in time, and can apply to various traits, ranging from physical qualities, such as color and taste, to more abstract qualities, such as price and attractiveness
In some cases, the contrast effect is categorized as belonging to one of two main types:
Positive contrast effects: A positive contrast effect occurs when something is perceived as better than it would usually be perceived, because it’s compared to something worse.Negative contrast effects: A negative contrast effect occurs when something is perceived as worse than it would usually be perceived, because it’s compared to something better.Learn more about Contrast Effect on:
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______ analysis identifies the relative contribution made by each financial statement line item.
The vertical analysis identifies the relative contribution made by each financial statement line item.
Vertical Analysis: What Is It?Each line item is provided as a percentage of a base figure in the statement as part of a technique called vertical analysis for financial statement analysis. As a result, line items on an income statement and balance sheet can both be expressed as a percentage of gross sales, a percentage of total assets or liabilities, and a percentage of total assets or liabilities, respectively. Vertical analysis of a cash flow statement also displays each cash inflow or outflow as a percentage of total cash inflows.
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Compared to other imc alternatives, for what purpose advertising is extremely effective?
Compared to other IMC alternatives, the purpose of advertising is extremely effective in creating awareness and generating interest in a product.
Advertising is a traditional type of promotion with a long history. But recently, new technology has allowed customers to escape the conventional advertising channels, which has drastically transformed the way advertising is done.
For example, the development of streaming services like Netflix has enabled people to avoid TV advertising while still enjoying their preferred shows and movies.
Since many individuals now subscribe to online digital media outlets for their daily news updates rather than having a paper delivered, the print media has also suffered greatly.
By definition, a digital media company is one that exclusively generates media online without using any physical items.
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A contract that requires a seller to deliver goods to the carrier is a a. shipment contract. b. C.I.F. contract. c. C.O.D. contract. d. destination contract.
Option d is the correct answer.
A contract that requires a seller to deliver goods to the carrier is a destination contract.
According to Article 2 of the Uniform Commercial Code, a determination contract is a method by which a buyer and a seller can agree to share the risk of loss if the goods are lost or damaged prior to receiving the goods from the seller. Neither Buyer nor Seller is Responsible for Losses.
Destination contracts transfer risk from the carrier to the seller upon the arrival of the goods at their destination. The Seller remains responsible until the goods reach the Buyer's destination. However, if something happens after shipment, all costs will be borne by the buyer.
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Sam buys a franchise from Taco Mission Inc. This relationship, like all other franchise relationships, is governed by
Answer:
A franchise is a contract between the two individuals or entities to use the tradename
Explanation:
One significant component of the budget process that is relatively unique to texas is?
One significant component of the budget process that is relatively unique to Texas is the constitutional mandate that Texas legislators write a budget every two years.
Texas has been using performance budgeting for more than two decades now. Here, the governor prepares a strategic plan, uses it to prepare a budget proposal and the legislature adopts a biennial budget for the state.
Biennial budgeting is the practice of preparing and adopting budgets for two year periods. This practice includes specific levels of performance linked back to the strategic plan.
Hence, the budget process is relatively unique to Texas, as it is the constitutional mandate that Texas legislators write a budget every two years.
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Under the Affordable Care Act, all U.S. citizens are required to have healthcare coverage. If Jane, is age 78, does she need to purchase insurance under the ACA
Under the Affordable Care Act, all U.S. citizens are required to have healthcare coverage.
Jane being 78 is eligible for Medicare, so she will not have to purchase insurance under the ACA
What is ACA and its objectives?The comprehensive health care reform bill passed in March 2010 is known as the Patient Protection and Affordable Care Act (often known as the Affordable Care Act or "ACA" for short).
Three main objectives of the legislation are:
Make more individuals eligible for affordable health insurance. For households earning between 100 percent and 400 percent of the federal poverty threshold, the bill offers subsidies to customers in the form of "premium tax credits" that reduce expenses (FPL).To include all people with incomes below 138 percent of the FPL, the Medicaid program should be expanded. Not all states have made Medicaid program expansions.Encourage cutting-edge medical care delivery strategies intended to reduce overall health care expenditures.Therefore, Jane is eligible for Medicare, so she will not have to purchase insurance under the ACA.
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