A candidate for accident and health insurance holds positions with two distinct companies. The insurance policy will be underwritten using the riskier of the two.
What is meant by the phrase "underwrite risk"?The risk of underwriting is the chance that an insurance policy may be written with unanticipated events or a wrong risk estimate. If the insurer underestimates the risks connected with providing coverage, it can end up having to pay out more than it receives in premiums.
What exactly does an underwritten health insurance plan entail?a technique used by insurance companies to evaluate your health status when you apply for health insurance coverage in order to determine whether to approve your application, how much your coverage will cost, and what exclusions or limits it will have.
What advantages does underwriting in health insurance offer?Underwriting, which involves your insurance provider assessing your eligibility for coverage based on the information you provide and the information it collects to assess the risk of extending you a policy, is a crucial step in the insurance application process.
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home sweet home company orders plywood from georgia products. home sweet home has an or- dering cost of $45. the carrying cost is 20%, and the annual demand is 100 sheets. what do you recommend?
In a situation wherein the home sweet home company has ordering cost $45, and the carrying cost is 20%; annual demand being 100 sheets, then, it can be concluded that the firm should continue its operations in the long run.
The ordering cost can be referred to or considered as the cost incurred by an organization to place one order of raw materials at a given time to make or manufacture its products being sold. If the ordering cost is lesser than the annual demand, then it is beneficial for a firm to continue its regular operations in the long run.
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discuss how the stock for your company is trending. explain why the stock is in either an uptrend or downtrend. convince your peers either to invest in your chosen company or not invest in the company. explain your reason why.
Walt Disney is the company I selected. The stock price has a downtrend tendency when viewed in aggregate. Disney is always a good investment since it is constantly changing.
The highest stock price during the past year was 201.91; today, it is 175.48. It peaked in the second quarter of the fiscal year 2021. In the past year, there has been a lot of uncertainty. something could have changed the pattern. COVID is the main contributing factor. Due to the economy's decline during COVID, many businesses suffered. Disney opened its Florida parks during the past year, but because to a mandate, they were unable to remain open during the pandemic. Disney has regained its position as a leader in the entertainment industry with the reopening of their parks.
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the global reporting initiative’s (gri’s) social standards pertain to the following topics: garrison 17e rechecks 2021-12-09 multiple choice a) diversity. b) labeling. c) profit sharing. d) a and b only. e) a and c only.
Global reporting Initiative (GRI) a non-profit that promotes a sustainable global economy by offering recommendations for social audits and sustainability reporting.
The GRI Standards: What Are They?The GRI Standards were created to make it possible for every company, no matter how big or little, private or public, to comprehend and report on its effects on the economy, environment, and people. The comparable and reliable nature of these reports will increase transparency regarding their contribution to sustainable development. These cover a wide range of corporate stakeholders, such as financiers, legislators, capital markets, and civil society.
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the process of adjustment to actual or expected climate and its effects. in human systems, these strategies seek to moderate or avoid harm or exploit beneficial opportunities. these strategies are referred to as:
These strategies are referred to as:
Mitigation strategies Adaptation strategies Resilience strategies Sustainability strategiesStrategies for Climate Change Mitigation, Adaptation, Resilience, and SustainabilityMitigation strategies refer to actions taken to reduce the severity or impact of climate change. These strategies can include reducing emissions, investing in renewable energy sources, and improving energy efficiency. Adaptation strategies involve actions taken to adapt to the effects of climate change. These can include changes to infrastructure and the environment to reduce vulnerability and build resilience. Resilience strategies are used to build the capacity to respond to and recover from the impacts of climate change. These strategies involve reducing risk and strengthening the ability of communities to cope with the impacts of climate change. They include steps such as early warning systems, contingency planning, and improved access to resources. Sustainability strategies are used to ensure that the environment, economy, and society remain healthy and productive over the long-term. These strategies involve reducing resource use and waste, investing in renewable energy sources, and promoting sustainable development.Learn more about climate change at: https://brainly.com/question/1789619
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a consumption tax is a tax on a. the amount of income that people spend. b. goods but not on services. c. the amount of income that people earn. d. the amount of income that people save.
A consumption tax is a tax on the amount of income that people earn.
What is a consumption tax, exactly?A tax on the purchase of a commodity or service is known as a consumption tax. Sales taxes, tariffs, excise taxes, and other taxes on consumed products and services are examples of consumption taxes.
Are products and services subject to consumption taxes?How Do Consumption Taxes Work? Consumers often pay consumption taxes directly or indirectly in the form of retail sales taxes, excise taxes, tariffs, value-added taxes (VAT), or income taxes, where all savings are tax-deductible. Consumption taxes are typically levied on the purchase of products and services
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now that you've conducted marketing research, you want to determine the target market for the new service. how would you best describe the demographic variables for this target market?
The demographic profile of a company would include information like the size of its customer base, the number of employees, the types of products it sells, and its yearly revenue.
Which habit encompasses the methods by which individuals or organizations assess the products and services they might be interested in buying?Consumer behavior is fundamentally the study of how people choose what to buy. It makes an effort to comprehend the many processes people go through before making a purchase, as well as how consumers choose, utilize, and dispose of goods and services.
Why is it vital to research consumer behavior and uncover the aspects that affect how people make purchases?Understanding consumer behavior is crucial for marketers because it enables them to better communicate with customers. They can close the gap in knowledge about consumer decision-making.
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which management function is involved with ensuring that an event occurs as it was intended to occur?
Answer: The answer is Organizing and Controlling
Explanation: Organizing would ensure that the events is well- prepared and controlling able to control how the events would go
Hope this was helpful
Standardized agreements to buy or sell a specified amount of currency at a date in the future at a pre-determined price are called_____.
Standardized agreements to buy or sell a specified amount of currency at a date in the future at a pre-determined price are called Future contracts.
What is the purpose of a contract?A contract is a legally binding arrangement between two or more parties. Each party agrees to uphold the rights and obligations set forth in this agreement after it is signed. In essence, a promise forms the foundation of any contract.
What benefits do contracts provide?Well-written contracts have several benefits for you and your business, including clarity in contractual obligations, parties' rights, and business relationships. Avoiding future legal disputes and contract issues. preventing misinterpretations of communications and agreements.
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lei is following the seven pillars of information literacy to work on the report her manager has asked her to prepare. she has no idea where to start. what should she do first?
The seven pillars of information literacy are identify, scope, plan , gather, evaluate, manage and present. hence lei should start to work on report by Investigating what she need to know.
What are the principles of information literacy?Information literacy refers to a set of skills that make it possible for someone to find, analyze, and use information. The five elements of information literacy are finding, evaluating, applying, and acknowledging sources of information.
What is media literacy ?The capacity to access, scrutinize, assess, and produce media in a variety of ways is known as media literacy. Definitions, however, change throughout time, and a more comprehensive definition is now required to place media literacy in the perspective of its significance for preparing students for the media culture of the twenty-first century.
Who is the father of information literacy?One of the pioneering teachers in the United States who introduced explicit media education curricula in schools was John Culkin (1928-1993).
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the requirements of this and any other contractual agreement do not include a. legality. b. practicality. c. capacity. d. consideration.
The necessities of this and some other agreement do now no longer include a.practicality.
The required details about practicality is mentioned in below paragraph.
Something that demonstrates practicality makes suitable sense. If you pick out your new footwear primarily based totally on their practicality, you may possibly purchase a couple of sneakers, as opposed to knee-excessive boots with 5 inch heels.
A person's practicality also can be known as not unusualplace sense, and an item or action's practicality has to do with how green or appropriate it is. The practicality of docs cautiously washing their fingers earlier than surgical treatment is clear, at the same time as the practicality of dressing your canine in a ballerina dress is much less so. The root of practicality is practical, which in flip comes from the Old French word practique, "suit for action."
(COMPLETE QUESTION)
Jennifer Lopez contracts with Harry Styles to have Styles sing at her birthday bash. The requirements of this and any other contract do not include
a.practicality.
b.legality.
c.capacity.
d.consideration.
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lola, along with many of her friends, grew up in a very poor country and didn’t attend school. a consumer products company wants to do marketing research in her country and plans to send out a survey. what problem is most likely to hamper the research using this tool?
Using this tool for research illiteracy.
What exactly is research illiteracy?
A person has functional illiteracy when they are unable to use their reading, writing, and math skills for the benefit of both themselves and the community as a whole.Functional illiteracy has a significant negative impact on social and economic development as well as personal growth.
What are the benefits of research literacy?
Research literacy enables us to appropriately educate our patients about the research they uncover, in addition to guiding clinical decision-making.The only way to tell between clinically meaningful and irrelevant results, as well as high-quality studies and low-quality ones, is to be knowledgeable about research.
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the earned income tax credit, a government program that supplements the incomes of low-wage workers, is an example of a
'The earned income tax credit, a government program that supplements the incomes of low-wage workers is an example of a tax incidence.
In economics, tax incidence or tax burden is the effect of a particular tax on the distribution of economic wealth. Economists distinguish between the entity that ultimately bears the tax burden and the entity that initially receives the tax.
Tax accrual is a measure of who ultimately pays the tax, either directly or through a tax burden. This burden can be shared between buyers and consumers, or different groups within the economy.
Tax incidence refers to the extent to which an individual or organization is subject to taxation, which can affect consumers, producers, or both. Incidence is also called tax burden. How the incidence falls depends on the price elasticity of demand.
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changes in the interest rate a. shift aggregate demand whether they are caused by changes in the price level or by changes in fiscal or monetary policy. b. shift aggregate demand if they are caused by changes in the price level, but not if they are caused by changes in fiscal or monetary policy. c. shift aggregate demand if they are caused by fiscal or monetary policy, but not if they are caused by changes in the price level. d. do not shift aggregate demand.
Changes in the interest rate Shift aggregate demand if they are cause by fiscal or monetary policy, but not if they are caused by changes in price level. Option C
What causes the changes in the interest rate?The supply and demand of credit affect interest rate levels; higher or lower levels of demand for credit will result in higher or lower interest rates, respectively.
To maintain stability and liquidity in the economy, central banks adjust short-term interest rates upward or downward. The demand for 10- and 30-year U.S. Treasury notes has an impact on long-term interest rates. Rates are managed by retail banks based on the market, their operational requirements, and specific clientele.
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Big Dog Florists (BDF) just purchased a new delivery truck for $29,000, a light truck. Using MACRS tables for a five-year asset, calculate the following:
The book value at the end of the year 4.
a. $ 5,800.00
b. $ 1,670.40
c. $25,659.20
d. $ 3,340.80
e. $ 5,011.20
Answer:
e. $ 5,011.20
when plotting a supply curve the price goes on the horizontal axis. the quantity demanded goes on the vertical axis. the quantity supplied goes on the vertical axis. the quantity supplied goes on the horizontal axis.
When plotting a supply curve option D: the quantity supplied goes on the horizontal axis.
The supply curve illustrates the relationship between the price of an item or service and the volume delivered over a specific time period. In a typical scenario, the quantity supplied will be shown on the horizontal axis and the price will be shown on the left vertical axis. The law of supply is expressed by the supply curve, which rises from left to right: The amount supplied rises as a certain commodity's price rises (all else being equal).
According to this formulation, quantity is the dependent variable and price is the independent variable. Economics is an exception to the general rule that the independent variable appears on the horizontal or x-axis.
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describe and differentiate between a compliance-based approach and an integrity-based approach to leadership. which approach is preferred? justify your response.
Whereas compliance-based approach codes are focused with avoiding legal consequences, integrity-based codes describe the organization's guiding ideals, and emphasize employee accountability.
What is the difference between compliance-based and integrity-based ethics?Compliance-based ethics are a collection of precise standards designed to shield organizations and employees from legal ramifications for breaking the law. Integrity-based ethics are intended to develop company ideals and moral standards that employees must follow in their daily business operations. A compliance-based ethics program is essentially a strategy for developing ethical organizations based on the prevention, identification, and punishment of legal infractions. The compliance-based ethics programme is one of two techniques that most firms use. Compliance culture is a process that many individuals guide and encourage in order to create an environment where everyone can say and do the right thing.
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The risk-free rate is 6% and the market risk premium is 5%. Your $1 million portfolio consists of $700,000 invested in a stock that has a beta of 1.2 and $300,000 invested in a stock that has a beta of 0.8. Which of the following statements is CORRECT? ?Answer
a. If the risk-free rate remains unchanged but the market risk premium increases by 2%, your portfolio's required return will increase by more than 2%.
b. If the market risk premium remains unchanged but expected inflation
increases by 2%, your portfolio's required return will increase by more than 2%.
c. The portfolio's required return is less than 11%.
d. The required return on the market is 10%.
e. If the stock market is efficient, your portfolio's expected return should equal the expected return on the market, which is 11%.
A is the answer to this problem. If the risk-free rate remains unchanged but the market risk premium rises by 2%, your portfolio's required return will increase by more than 2%.
What Is a Market Risk Premium?The market risk premium is the difference between the expected return on a market portfolio and the risk-free rate (MRP).
The market risk premium is equal to the slope of the securities market line (SML), a graphical representation of the capital asset pricing model (CAPM).
What is meant by "risk-free rate"?The hypothetical rate of return on a risk-free investment is known as the risk-free rate. As a result, it serves as the standard for other investments with risk components.
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if you would like to notify recruiters that you are looking for a job, as well as customize the types of jobs you are looking for, you should use which feature?
LinkedIn is the feature I use if you would like to notify recruiters that you are looking for a job, as well as customize the types of jobs you are looking for.
How do you make your availability known to recruiters?Click Change next to the statement Let recruiters know you're open to opportunities in the Job seeking preferences section. To share that you're available and show up in recruiters' searches for candidates with similar career interests, set the toggle to Yes. To avoid disclosing your job interests to recruiters, set the option to No.
What is the work of a recruiter?Let's start with the fundamentals: a recruiter assists a company in matching competent candidates with open openings. On Handshake and other platforms, they look for candidates and contact them. Additionally, they act as a conduit between the applicant and the business during the interviewing process.
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Data using base 1 as base yearYear Nominal GDP Price Index1 3,166 1002 3,402 1043 3,774 1084 3,989 112Refer to the above data. Real GDP in year 4 was approximately:A) $3,989 billionB) $3,562 billionC) $3,774 billionD) $3,494 billion
If year 2 is base year, the real GDP in year 5 is $60. The Base Year is a year that is linked to the real cost of maintaining the property in a given year, including CAM, insurance premiums, and property taxes.
An economic or financial index's base year is the first in a series of years. It is normally set to an arbitrary amount of 100 in this situation. To keep data current in a certain index, fresh, new base years are routinely supplied. Base years are also used to calculate a company's growth rate. The base year can be any year, but experts often pick recent years.
When comparing measurements of a commercial activity, economic, or financial index, a base year is used. For instance, 2016 is the base year or the first year in the specified time frame when calculating the inflation rate between 2016 and 2021.
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The complete question is:
Answer the question based on the following price and output data over a five-year period for an economy that produces only one good. Assume that year 2 is the base year. Refer to the above data.
Year Units of Output Price Per Unit
1 8 $2
2 10 $3
3 15 $4
4 18 $5
5 20 $6
If year 2 is the base year, then Real GDP in year 5 is:
A) $120
B) $90
C) $60
D) $30
explain spirit's pricing strategy in your own words. does the company employ good-value pricing or value-added pricing? explain.
Spirit Airlines uses GOOD-VALUE pricing because they provide the ideal balance of high caliber and excellent service at a reasonable cost. The primary offering of the business is an airplane seat.
Value pricing is possibly the most essential pricing technique of all. This considers how valuable, significant, and useful your consumers consider your goods or services to be.
According to the pricing technique known as penetration pricing, manufacturers of new products set their prices extremely low in the hopes of luring consumers to buy them. Although penetration pricing enhances a company's market share, it can also result in the company making very little money.
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Layla works during her meeting to pull together the ideas of her committee members into a coherent whole. Layla is performing a ________role.
Because putting thoughts together is a typical chore or action in this role, Layla is acting out a task.
The correct answer is C. Task
What does being "on task" mean?
dedicated to and centered on a specific task. If we want to complete your project before the deadline, we must remain focused. I truly wish you would focus and stop wandering off. A task is an item that symbolizes some work that needs to be completed. If the operation yields a response, the task will provide it to you if it can let you know if the work is finished.
What is learning through tasks?
A method to language learning known as task-based learning involves assigning interactive activities to students. They must talk to one another to do this. When the assignment is finished, the teacher goes through the language employed. The students create a schedule for a guest who is coming to stay with their teacher.
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______ are major accomplishments that the company would like to achieve; whereas ______ are shorter-term performance targets.
Goals are major accomplishments that the company would like to achieve, Objectives are shorter-term performance targets.
What are the three categories of organizational goals?Individual, team, and corporate goals are the three different categories of organizational objectives. All of these objectives have set deadlines for completion. These objectives frequently have longer time spans than other objectives.
What are the company's short-term and long-term goals?Long-term goals may take three to five years to complete, whereas short-term goals can often be completed in a time span of six months to three years (or even longer). Numerous smaller, shorter-term goals are frequently necessary for and part of a larger, longer-term aim.
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Firms suddenly becoming pessimistic about future business prospects is an example of a ______ demand shock, which would shift the AD curve to the ______.
A. negative; left
B. positive; left
C. negative; right
D. positive; right
Answer: A. negative; left
Firms suddenly becoming pessimistic about future business prospects is an example of a negative demand shock, which would shift the AD curve to the left.
A demand shock is a sudden and unexpected event that dramatically increases or decreases demand for a product or service, usually for a short period of time. A positive demand shock is an unexpected increase in demand curve, whereas a negative demand shock is an unexpected decrease in demand. Unexpected changes in the economy will cause the aggregate demand (AD) or short-run aggregate supply (SRAS) curves to shift. Negative shocks lower output and raise unemployment.
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mr. beck sold real property with a $140,000 adjusted basis for $255,000. the buyer paid $148,000 cash and assumed mr. beck's $107,000 mortgage on the realty. mr. beck's realized gain or loss on sale is:
Property sold =$140,000
Adjusted basis = $255,000
The buyer paid =$148,000
Mortgage on reality =$107,000
The next step is to find Mr. Beck realized gain or loss on the sale
Thus
Sale value =$140,000
Adjusted basis =$255,000
140,00 + 255,000 = $115000
Therefore Mr beck realized gain or loss on sale is $115,000
A loan mortgage or definitely mortgage, in civil law jurisdictions recognized additionally as a hypothec mortgage, is a mortgage used both via consumers of actual assets to raise funds to shop for actual estate or via existing belongings proprietors to elevate funds for any motive while setting a lien at the belongings being mortgaged. The loan is "secured" at the borrower's property through a system called loan origination.
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An individual bank can safely lend only an amount equal to its excess reserves, but a commercial banking system can lend
(A) based on the amount of the reserves held in the Federal Reserve Banks.
(B) based on the amount of tis collective excess reserves.
(C) by a multiple of its collective excess reserves.
(D) based on the amount of its total demand deposits.
The whole amount of surplus reserves held by the commercial banking system can be lent out many times over. Option C is correct
A financial institution that accepts deposits, offers checking account services, makes various loans, and gives people and small companies access to basic financial products such certificates of deposit (CDs) and savings accounts is referred to as a "commercial bank." Public sector banks, private sector banks, foreign banks, and regional rural banks are additional categories for commercial banks (RRB). Contrarily, there are two categories for cooperative banks: urban and rural. A payments bank is another relatively recent addition to the structure in addition to these.
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suppose southeast mutual bank, walls fergo bank, and pjmorton bank all have zero excess reserves. the required reserve ratio is presently set at 20%. hubert, a southeast mutual bank customer, deposits $1,500,000 into his checking account at the local branch.
Answer:45
Explanation:65
The asset reserve T-account and liabilities T-account of the Southeast Mutual Bank will each be debited by $1,500,000.
What are reserves?To comply with central bank standards, financial firms must maintain bank reserves as a minimum amount of cash. The bank is required to retain this actual paper money in a local vault or on deposit with the central bank. Liabilities that appear on the balance sheet are reserves. Reserves are money set aside to cover upcoming obligations.
Journal entry of this transaction will be:
Dr Assets Reserves $1,500,000
Cr Liabilities Deposits $1,500,000
When the bank borrowed $1.5 million, it also increased its cash on hand and liability. The T-liabilities account's side rose by $1,500,000, boosting demand deposits, while the assets side climbed by $1,500,000, increasing bank reserves.
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A curve which shows the quantities of output that can be obtained from different quantities of a variable factor of production, assuming other factors of production are fixed, is called the _______ curve.
A) total input
B) marginal input
C) total product
D) average total quantity
A curve which shows the quantities of output that can be obtained from different quantities of a variable factor of production, assuming other factors of production are fixed, is called the _C) total product_ curve.
What are the production factors ?
In economics, the resources that people use to produce goods and services are referred to as factors of production; they form the basis of the economy. The four categories of factors of production that economists distinguish between are land, labor, capital, and entrepreneurialism.
The four factors of production are explained in detail and with examples in this episode of our Economic Lowdown podcast series. You can read more in the transcript below or listen to the audio.
The resources that make up the foundation of the economy and are used by people to produce goods and services are called factors of production.
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as a marketing director at a large company, cara's considering launching a display ads campaign, as it will let her reach global internet users across as many websites and apps as possible. what's another benefit a display ads campaign will provide cara?
If as it will let her reach global internet users across as many websites and apps as possible. The another benefit a display ads campaign will provide cara is: c. It makes it possible for her to engage with valuable audiences quickly and often.
What is marketing?Marketing can be defined as the way of creating brand or product awareness so as to attract customers to a product which in turn can enables a company to make more sales leading to more revenue or profit for the company.
One of the advantage of an display advert campaign is that it makes it possible for company to engage with their audiences quickly and often.
Therefore the correct option is C.
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The complete question is:
as a marketing director at a large company, cara's considering launching a display ads campaign, as it will let her reach global internet users across as many websites and apps as possible. what's another benefit a display ads campaign will provide cara?
a. It can always be used as a Shopping campaign.
b. It allows her to collect statistical usage data from the websites where her ad appears.
c. It makes it possible for her to engage with valuable audiences quickly and often.
d. It can sometimes be used as a Shopping campaign.
Mobile marketing
Broad set of interactive messages options that are used to communicate through personal mobile devices
Price Comparison
Location Based promotions
Loyalty Programs
Broad set of interactive messages options that are used to communicate through personal mobile devices like price comparison, location based promotions, and loyalty programs is mobile marketing.
Mobile marketing is, in essence, a multi-channel and digital marketing approach that aims to connect with a target audience through websites, emails, SMS, MMS, social media, and other mobile devices like smartphones, tablets, and other portable electronic devices.
As attention has begun to migrate in recent years from desktop to mobile, marketers are following suit in an effort to foster real multichannel engagement. Marketing also grows more dispersed as technology does.
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currently, legal and financial services in texas are not subject to the sales tax. what might make changing this difficult
The number of attorneys in the legislature makes changing it difficult that, legal and financial services in texas are not subject to the sales tax.
A sales tax is a fee that is paid to the government when specified goods and services are sold. Typically, laws permit the vendor to charge the customer the tax at the time of purchase. Use taxes are typically used to describe taxes on goods and services that consumers pay directly to a governing body.
Without a doubt, one important factor is how complicated our tax regulations are. The government makes dozens of tweaks to current tax rules every year in an effort to close any gap found after court or tribunal rulings that favored the taxpayer.
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