which recommendation would be most suitable for a 40 year old client whos maain objective is retierment income and preservation of captial

Answers

Answer 1

Answer: Fixed deferred annuity

Explanation:

Fixed deferred annuity could be described like a certificate of deposit, which interest is deferred until a time at which you can withdraw from the annuity contract instead of having to claim the interest income on your tax return each year. It also guarantees minimum interest rate irrespective of the market conditions present.


Related Questions

Oregon, there are several Italian restaurants, each offering slightly different items prepared in slightly different ways. It is likely that an Italian restaurant in Eugene, Oregon, operates

Answers

Answer:

C. monopolistically competitive market.

Explanation:

As we know that the Monopolistic competition is a market structure which refers to the market in which the various firms are related to each other in a closest manner also they sell differentiated products.

In this market, there is a freedom of free entry and exit.

So in the given scenario, since various italian restaurants offered different items so this represents that they operates in  monopolistically competitive market

Hence, the correct option is c.

Information gathering to be used for decision-making goes back to the earliest days of recorded history. in the united states, surveys were used in the early 1800s to determine: the popularity of saloon entertainers. the popularity of early sports teams. the popularity of regional foods. the popularity of political candidates.

Answers

Answer: the popularity of political candidates.

Explanation:

Surveys in the 1800s were used in politics as a form of opinion polls to find out who the people thought would win in an upcoming election. The earliest known survey was done in July 1824 and was meant to find out the more popular candidate between Andrew Jackson and John Quincy Adams.

That survey was won by Andrew Jackson with a majority of 70% after which he went on to win the popular vote by a very narrow percentage but didn't become president as John Quincy Adams was voted in by Congress.

Lowell always scores his heroin at a local "shooting gallery" where he can immediately get his fix. over time, he finds he needs more heroin to feel "alright". when he shoots up at home for the first time, he overdoses on the same amount he used last time. the only difference is the location where lowell has shot up. this is an example of _____ tolerance.

Answers

Answer:

behavioral

Explanation:

Behavioral tolerance is a term in psychology often used to illustrates the drop in the effectiveness of drug usage in influencing the actual user, following a constant usage of the drug.

Hence, in this certain situation, and given that Lowell has found out that he needs more heroin to feel "alright" the correct answer is that this is an example of BEHAVIORAL tolerance.

A country wants to create a fair economy for its people. The government takes control over the country's biggest companies and puts groups of workers in charge. All citizens are encouraged to share the wealth produced in these companies equally, This situation best reflects the influence of which economic thinker? O A. Adam Smith O B. Karl Marx O C. John Maynard Keynes O D. Thomas Robert Malthus​

Answers

Answer:

B). Karl Marx

Explanation:

Karl Marx is the economic thinker whose influence has been best reflected in the given situation as it talks about socialism which is the intermediate phase between capitalism and attaining full communism as per Marx. Socialism advocates collective pr governmental ownership and administration of the means of production and distribution of goods as mentioned in this situation. It is the foundation to communist society (Marx's proposed version of an ideal economy) where the people hold the ownership of distribution of resources collectively. Thus, option B is the correct answer.

Das Work and Edge Tech are electronics manufacturing companies competing to serve the same customers. The labor-related expense per product for Das Work is $30 higher than that for Edge Tech. However, Das Work makes more profits than Edge Tech. In this case, which of the following actions has contributed to the profits made by Das Work?

a. It provides free home delivery of purchased goods.
b. It has recently introduced the comparable-worth policy for employees.
c. It produces high quality goods and charges more for these products thancompetitors.
d. It has a company website where customers can purchase goods online.
e. It does not provide overtime pay to employees who work more than 40hours in one week.

Answers

Answer: c. It produces high quality goods and charges more for these products than competitors.

Explanation:

From the question, we are informed that Das Work and Edge Tech are electronics manufacturing companies competing to serve the same customers and that the labor-related expense per product for Das Work is $30 higher than that for Edge Tech but Das Work makes more profits than Edge Tech.

In this case, what has contributed to the profits made by Das Work is that Dad Work produces high quality goods and charges more for these products than competitors. This will help increase the revenue and profit made by the firm.

Bill Broker prints an office policy that says he requires a security deposit of "$350 for whites and $500 for blacks" in his area, since he has records to prove that "blacks have weaker financial qualifications." Is this an acceptable policy?

Answers

Answer:

No. It is discrimination to set different deposits on the basis of race

Explanation:

Discrimination is the act of making distinction between people on the basis of race, group, or class to which they are perceived to belong.

It is unfair and prejudicial treatment of people who share a certain trait.

Examples of such traits are race, age, sexual orientation, and gender.

In the given instance Broker requires a security deposit of "$350 for whites and $500 for blacks".

This is discrimination on racial grounds

From the income statement, the corporation had a net income of $724 million for the year. Total dividends were $106 million. There were 400 million shares outstanding. How much is the earnings per share?

Answers

Answer:

the earnings per share is $1.81 .

Explanation:

Earnings per Share = Earnings Attributable to Holders of Common Stock ÷ Weighted Average Number of Common Stocks Outstanding

Therefore,

Earnings per Share = $724,000,000 ÷ 400,000,000

                                 = $1.81

A signed document containing a written promise to pay a stated sum to a specified person/institution or the bearer at a specified date is known as what...? Promissory Note Acceleration Clause Release Clause Mortgage

Answers

Answer:

Promissory Note.

Explanation:

A signed document containing a written promise to pay a stated sum to a specified person/institution or the bearer at a specified date is known as promissory note.

A promissory agreement can be defined as an evidence of a debt and as such involves the use of a legal financial tool such as a promissory note as a written promise to declare that a party (borrower) would pay another (lender) at a specific period of time.

"Being economically responsible is the most basic social responsibility of any business. This responsibility has the most immediate effect on:"

Answers

Answer:

The correct answer is: Shareholders.

Explanation:

To begin with, "Shareholders" is the name that the people who own stocks in the company receives in order to know that they are the ones who put the money to keep the business going due to the fact that they invest their money by buying shares of the company with the purpose to allow them to grow and work better so the objectives are accomplished and the profits are increased. Therefore that being economically responsible has the most immediate effect on the shareholders of the company who are the ones that will suffer losses from their pockets if the managers of the organization do not act correctly.

Failure to record the adjusting entry for deferred revenue now earned causes liabilities on the balance sheet to be what

Answers

Answer:

overstated

Explanation:

Adjusting entry is a term used in the accounting process, which describes journal entries usually carried out at the end of an accounting period to assign income and expenditure to the period in which they actually happened.

However, the journal entry to identify a deferred revenue is to debit or increase cash and credit or increase a deposit or another liability account.

Hence, Failure to record the adjusting entry for deferred revenue now earned causes liabilities on the balance sheet to be what OVERSTATED

Which characteristic of a corporation is a​ disadvantage? A. Mutual agency B. Double taxation C. Limited liability D. None are disadvantages.

Answers

Answer:

B. Double Taxation

Explanation:

A disadvantage of forming a corporation is the double taxation requirement. C corporations pay taxes on profits when corporate income is distributed to owners in the form of dividends. This is the first taxation.

In determining whether the consideration requirement to form a contract has been satisfied, the consideration exchanged by the parties to the contract must be

Answers

Answer:

Legally sufficient.

Explanation:

In determining whether the consideration requirement to form a contract has been satisfied, the consideration exchanged by the parties to the contract must be legally sufficient.

A newly created design​ business, Teri's​ Art, is finishing its first year of operations. During the​ year, credit sales were $40,000 and collections of credit sales were $34,000. One account for $650 was written off.​ Teri's Art uses the aging−of−receivables method to account for bad debts expense. It has estimated $250 as uncollectible at year−end. What is the amount of the Bad Debts Expense for the first year of​ operations?

Answers

Answer:

the bad debt expense is $900

Explanation:

The computation of the bad debt expense is shown below:

bad debt expense is

= Written off amount + estimated uncollectible amount at the year end

= $650 + $250

= $900

We simply added the above two items so that the amount of the bad debts for the first year could come

Hence, the bad debt expense is $900

Upon receiving a complaint, HUD initiates an investigation and makes a determination to bring charges or dismiss the complaint within:________

a. 180 days of the filing of the complaint.
b. 120 days of the filing of the complaint.
c. 100 days of the filing of the complaint.
d. 30 days of the filing of the complaint.

Answers

Answer:

c. 100 days of the filing of the complaint.

Explanation:

After receiving a complaint, HUD starts the investigation within 30 days of receiving the complaint and the maximum time period to investigate the complaint is 100 days i.e. HUD would dismiss the complaint within 100 days when the complaint is filed

Therefore in the given case, the option c is correct as it is mentioned the 100 days and the same is to be considered

Which of the following exemplifies the crowding-out effect? An increase in government spending: A. causes the price level to rise, reducing net exports B. is financed by borrowing, raising interest rates and causing private investment to fall C. is financed by increasing the money supply, reducing interest rates and causing net exports to fall D. causes taxes to rise automatically, reducing consumption spending

Answers

Answer: B. is financed by borrowing, raising interest rates and causing private investment to fall.

Last month, Mishika, a secretary in a large university, complained to OSHA that the air in her office made her sick. She could see green mold in the ventilation system. She had been treated for breathing problems 4 times in the past year. An OSHA inspector arrived at the plant this morning to provide which level of enforcement?

a. Imminent danger
b. Serious accident
c. Employee complaint
d. Target inspection
e. Random inspection

Answers

Answer: Employee complaint

Explanation:

From the question, we are informed that last month, Mishika, a secretary in a large university, complained to OSHA that the air in her office made her sick and that she could see green mold in the ventilation system.

We are further told that she had been treated for breathing problems 4 times in the past year. An OSHA inspector arrived at the plant this morning to provide employee complaint. This is because of Mishika's complaiint.

"A municipal bond dealer quotes an 8 year 6% bond trading in the secondary market on a 4% basis. After considering all taxes, the customer's yield will be:"

Answers

Answer:

more than 4% but less than 6%

Explanation:

Given that the new quotes for a 4% bond trading in the secondary market are higher than 4% which is actually a 6% basis, thus, it is expected that the customer's yield to be greater than the initial 4%. However, given that, we are looking for the customer's yield after-tax, then the net customer's yield will be less than 6%.

Therefore, the right answer is that the customer's yield will be MORE THAN 4% but LES THAN 6%.

Michael is a sales representative who spends a great deal of time out on the road and infrequently communicates with the rest of his sales team. He is​

Answers

Answer: An Isolate

Explanation:

An Isolate is a person who is separated from others and so does not communicate with others a lot. This person most likely prefers to be alone and can do without human company or communication for extended periods.

Micheal is usually out on the road which means he is often separated from the rest of his colleagues and on top of that he infrequently communicates with them which are signs that he is an isolate.

the activities a firm undertakes to create a certain perception of its product in the eyes of the target market are referred to as

Answers

Answer:

Positioning

Explanation:

Market positioning means the capability to develop a perception of a consumer. In this, the competitive advantage plays an important which enables the firm to become differentiate with that of the competitor with respect to the brand or product in which the firm is dealing. It is a motive to create an image of a brand

Therefore according to the given situation, the positioning is the right answer

A bank reconciliation:Group of answer choicesis a formal financial statementboth A and B are correctis part of a sound internal control systemshould not be prepared by an employee who handles cash transactions

Answers

The Correct question reads;

Which of the following statements about bank reconciliations is correct?

a. Should not be prepared by an employee who handles cash transactions

b. Is part of a sound internal control system

c. Is a formal financial statement

d. Both (a) and (b) are correct

Answer:

a. Should not be prepared by an employee who handles cash transactions

Explanation:

It is only a bank that prepares a bank reconciliation statement. So, it is correct to say that a bank reconciliation statement should not be prepared by an employee who handles cash transactions.

Resources exist in limited supply, and as a result, economics is the study of how societies make the optimal use of resources that are subject to __________.

Answers

Answer:

Scarcity, is the right answer.

Explanation:

Scarcity is the correct answer because the scarcity of resources generates the problem of choice. When the resources are limited then the people or producer makes the decision to allocate the resources efficiently. The efficient allocation of resources results in the efficient and longer use of resources. For example, petroleum is a scarce resource, if the use of petroleum will not be efficient then it will exhaust very rapidly. While, if its use will be efficient then it will be available for a longer period and many people may enjoy or consume these resources in the future.Type a message

1. The two main types of cost accounting systems for manufacturing businesses are the __________ cost system and the __________ cost system.

Answers

Answer:

The two main types of cost accounting systems for manufacturing businesses are the PROCESS cost system and the JOB ORDER cost system.

Explanation:

Accountants that use the job order cost system determine the production costs for each lot or order of products that are manufactured. it is normally used when the units produced are not standard or uniform. i.e. the company manufactures different types of products.

Accountants use the process cost system when the company manufactures standard or uniform units of production. E.g. a company that produces one type of battery for cellphones.

Due to a recent string of theft in your office, you need to harden your local system. What two actions are most appropriate for your situation? Each correct answer represents a complete solution. Choose two.

Answers

Answer:

I dont know I'm sorry

Explanation:

Because I dont get it amd I'm not smart im sorry

The article discusses the purpose of strategy is to create a "competitive advantage". What is competitive advantage?

Answers

Answer:

Competitive advantage is a factor that a business has that allows it to perform better than its competitors by delivering more value to its customers. For example, a company can have a competitive advantage as a result of its offering, customer service or cost structure.

The seaport town of New Monopoly has become extremely popular with shipping companies due to its superior location. The port has become so congested that ships must wait hours every day just to dock. This is an example of: The mayor of New Monopoly realizes that the congestion at the port costs the shipping companies and his town money. Which decision would NOT move him towards a command economy?

Answers

Answer: market failure

Explanation:

Market failure is a situation that occurs in an economy when the distribution of goods and services they occurs in a free market is inefficient. Some of the reasons attributed to market failure are monopoly abuse, externalities, environmental concerns etc.

Based on the above scenario in the question, the decision that would not move the mayor towards a command economy is Market failure.

Suppose that a car was produced but not sold in 2011. The car could still be sold in 2012. According to the book, the car would be counted as part of:

Answers

Answer: 2011 GDP as investment

Explanation:

From the question, we are informed that a car was produced but not sold in 2011 and that the car could still be sold in 2012.

This implies that the car was an investment in 2011 and contributed it's quota to the gross domestic product of that particular economy.

In the Common Criteria, the common set of functional and assurance requirements for a category of vendor products deployed in a particular type of environment are known as

Answers

Answer:

protection profiles.

Explanation:

Common Criteria can be defined as an international set of guidelines and specifications which are designed and developed for the evaluation of an information security product, in order to ensure that they meet an agreed-upon and specific security standard for general use by the public. It comprises of two (2) key components: Evaluation assurance level and protection profiles.

In the Common Criteria, the common set of functional and assurance requirements for a category of vendor products deployed in a particular type of environment are known as protection profiles.

Land was acquired in 2021 for a future building site at a cost of $41,500. The assessed valuation for tax purposes is $28,200, a qualified appraiser placed its value at $49,300, and a recent firm offer for the land was for a cash payment of $44,800. The land should be reported in the financial statements at:

Answers

Answer:

The land should be reported in the financial statements at $41,500

Explanation:

The company will report the asset value in the financial statements as their original purchase price of $40,300. Under Historical cost principle, the price of an asset on the balance sheet is always based on the original cost when the company purchased the asset. It follows the Generally Accepted Accounting Principles (GAAP) which is widely accepted. Therefore the land is reported in the financial statements at its purchase value of $41,500

Company S produces two kinds of stereos: basic and deluxe. Of the stereos produced by Company S last month, 2/3 were basic and the rest were deluxe. If it takes 7/5 as many hours to produce a deluxe stereo as it does to produce a basic stereo, then the number of hours it took to produce the deluxe stereos last month was what fraction of the total number of hours it took to produce all the stereos

Answers

Answer:

7/17

Explanation:

For easier calculation , let us represent the total number of stereo produced with a figure that can easily be divide into 3 .

Let us use 21 as the total number of stereo produced.

Basic stereo = 2/3 * 21 = 14

Deluxe stereo = (1- 2/3)*21 = 7

Now , if it takes 7/5 as many hours to produce a deluxe stereo to produce a basic stereo.

Let us assume that it took 2 hours to produce each  deluxe stereo, then each basic stereo was produced in 7/5 *2  = 14/10.

Total hours used to produce basic stereo = 14 *14/10 = 19.6. approximately 20

Total hours used to produce deluxe stereo = 2*7 = 14

Total number of hours for all stereo = 20+14 = 34

fraction of delute stereo hours to total stereo hours = 14 / 34 = 7/17

What are some of the reasons that management purchases its own stock? b. Explain how earnings per share might be affected by treasury stock transactions. c. Calculate the debt to assets ratio for the current year and the prior year, and discuss the implications of the change.

Answers

Answer:

a) first of all, in order for a company to repurchase their stock they must have extra cash available that will not be used for financing either existing or future projects. Also, corporations tend to repurchase stocks when they believe that their market price is too low (or lower than their own calculations). When corporations start to repurchase stocks, generally the market price tends to increase.

b) since treasury stocks decrease the company's total outstanding stocks, the earnings per share will increase. EPS = (net income - preferred dividends) / weighted average outstanding common stocks. If the denominator decreases, then the total result should increase.

c) the information is missing, so there is no way to calculate the debt to assets ratio. But if we analyze the formula:

debt to assets ratio = total debt / total assets

when equity decreases (treasury stocks decrease equity), total assets will also decrease, but debt remains the same. Therefore, an increase in treasury stocks will result in a higher debt to assets ratio which means that the company's risk is higher than before.

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