Sylvia purchased an annuity for $100,000 from the proceeds of an inheritance. No further payments are permitted and the income stream begins in 15 years. This contract is a(n)
Answers
The type of annuity contract purchased by Sylvia is known as Deferred annuity.
Basically, an annuity is a contract which promises to pay someone a guaranteed stream of income for a specific and regular period in return for a lump sum of money.
The type of contract of annuity purchased by Sylvia is known as Deferred annuity.Deferred annuity refers to an annuity whereby the company promises to pay the owner a regular income in return for the lump sum starting at some future date.Hence, the type of annuity contract is known as Deferred annuity.
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Related Questions
A customer asks if the rogue vc-turbo engine is reliable because it’s new with a lot of moving parts. What are three ways to respond?.
Answers
It should be noted that the rogue vc-turbo engine is reliable because:
It improves acceleration.It economizes fuel.It improves performance regarding emissions.Importance of the turbo engineIt should be noted that VC-Turbo technologies have evolved with a focus on improving performance in major areas such as acceleration, fuel economy as well as emissions.
In a situation where a customer asks if the rogue vc-turbo engine is reliable because it’s new with a lot of moving parts, the customer should be informed that it is reliable as it enhances acceleration and fuel economy.
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an organization whose members have a common cause for which they seek to influence public policy is called an...
Answers
Answer:
interest group
Explanation:
. Based on the video, what happened to "savings" in the United States, and how did consumers contribute to this change? Describe why you agree or disagree.
Answers
The correct answer to this open question is the following.
Unfortunately, you did not include the lecture, so we do not know what was the information included in the lecture. Just you know it.
However, trying to help you we did some deep research to find the video. So if you are talking about John Gerzema's video, then we can comment on the following.
What happened to "savings" in the United States, and how did consumers contribute to this change according to John Gerzema's video "The post-crisis consumer," produced by TED, is that consumer's savings dropped 10% and today the savings level is "cero."
Consumers have money during so many years that they exceed the purchase of the things needed and bought many things that they did not need, just for teh action of continuing to buy things. A hundred percent consumerism!
So after the crisis, consumers understood the way they excessively purchased in the past, and now, most of them do not have savings and are just buying necessary things.
Answer:
Just listen to the person above.
Explanation:
they are correct.
What is an example of a flame?
Answers
The definition of a flame is burning gas, fire or blaze, or a strong passion. An example of a flame is a fire from a lighter. An example of a flame is an intense desire for a particular person. Flame is defined as to burn or light up, or to criticize harshly.
Answer: A flame is a very negative review that can seriously damage sales.
So if one of the choices has a bad review of an issue, like apartment maintenance getting a bad review, it is that answer.
Explanation: A pex
A newspaper headline writer found that the more adjectives she put in the titles of her articles, the greater the number of newspapers that were sold that day. This relationship between numbers of adjectives and newspaper sales must be:
Answers
Answer:
Positive.
Explanation:
A linear function has a positive relationship and as such an increase in one variable (input variable) causes an increase in the other variable (output variable) i.e the variables are directly proportional. Thus, the graph of a linear function is a straight-line and its slope is always constant.
On the other hand, nonlinear function has a negative relationship and as such an increase in one variable (input variable) causes a decrease in the other variable (output variable) i.e the variables are inversely proportional.
This ultimately implies that, the graph of a nonlinear function is a curved line and whose direction is constantly changing
In this scenario, the relationship between numbers of adjectives and newspaper sales must be positive because the higher the amount of adjectives put in the titles of her articles, the greater the number of newspapers that would be sold on a particular day.
Which of the following is a recommended response to a question that carries a hidden agenda?
a. "Of course, I will do you a favor."
b. "No, I'm not busy."
c. "No, I promise I won't get mad."
d. "It depends."
Answers
A recommended response to a question that carries a hidden agenda is option D, "It depends." This is because a hidden agenda implies that the person asking the question has a secret motive or intention, and answering with a definitive "yes" or "no" may not be in your best interest.
By responding with "it depends," you allow yourself time to assess the situation and ask follow-up questions to better understand the hidden agenda. This response also signals to the other person that you are aware there may be more to the question than meets the eye and that you are not easily manipulated. It's important to be cautious when faced with questions that may have a hidden agenda, as these can be used to exploit or manipulate you. Common examples include loaded questions, which imply a certain answer, and leading questions, which steer the conversation in a particular direction. By responding with "it depends," you buy yourself time to evaluate the situation and respond in a way that serves your best interests.
In summary, when faced with a question that carries a hidden agenda, it's best to respond with caution and avoid definitive answers. Instead, choose a response like "it depends," which allows you to gather more information and respond in a way that protects your interests.
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Please Help! I Have Limited Time!
1. To effectively prepare for an interview, you should
A. ask your friends what they know about the company and its strengths
B. call the company and request information about the company culture
C. send an email to the company and ask about industry trends
D. use the company's website to learn about its mission and executive team
2. Which of the following work factors should you look for in a career if professional growth is important to you?
A. The ability to complete challenging tasks
B. The ability to create positive relationships
C. The ability to earn a high salary
D. The ability to take time off for vacations
Answers
Answer:
1. D. use the company's website to learn about its mission and executive team
2. A. The ability to complete challenging tasks
Answer: for 1 is d: use the company's website to learn about its mission and executive team
Anwser: for 2 is A: The ability to complete challenging tasks
influences of Business environment,
Answers
Factors that Influence the business environment are :
Economic environmentSocial environmentTechnological environmentPolitical environmentLegal environment
The business environment means the total of all the individuals, and institutions that could affect the working of the business firm.
Importance of business environment:
Business environments help the firm to prepare itself for every possible obstruction or hindrance that can affect the functioning of the firm.It also helps the firm to adjust to frequent changes.The economic environment is all the things that create an economic impact on the firm.
The social environment is all the traditions and customs of the society that creates an impact on the firm.
The technological environment is all the impact on the firm caused due to new technology and upgradations.
The political environment is the conditions and behavior that the elected representatives hold toward the business
The legal environment is entirely based on the rules and legislation of the authorities.
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Fill in the blank. the foundation of good performance management is ____________and choosing the best method(s) for measuring it.
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The foundation of good performance management is the identification of what is important and choosing the bestmethod(s) for measuring it.
Performance management refers to the processes and systems established to monitor and measure an employee's productivity, progress, and overall contribution to a company. It is a continuous process of setting objectives, assessing progress, and providing feedback and support to improve the performance of individuals and teams.According to experts, the foundation of good performance management is the identification of what is important and choosing the best method(s) for measuring it.
This means that an organization should determine the critical success factors (CSFs) that are necessary for achieving its goals and then measure how well employees are doing in those areas.To establish the foundation of good performance management, an organization should perform the following tasks:a. . Identify the critical success factors (CSFs) that are necessary for achieving its goals.b . Determine the key performance indicators (KPIs) that are most relevant to those CSFs.c. Establish a method for measuring performance against the KPIs.d. Regularly monitor and assess employee performance against the established KPIs.e. Provide feedback and support to employees to improve their performance.In summary, the foundation of good performance management is the identification of what is important and choosing the best method(s) for measuring it. By following this approach, an organization can ensure that its employees are focused on the critical success factors necessary for achieving its goals.
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wagner excavating organized as a corporation on january 18 and engaged in the following transactions during its first two weeks of operation. jan. 18 issued capital stock in exchange for $400,000 cash.jan. 22 borrowed $100,000 from its bank by issuing a note payable.jan. 23 paid $200 for a radio advertisement aired on january 24.jan. 25 provided $5,000 of services to clients for cash.jan. 26 provided $18,000 of services to clients on account.jan. 31 collected $4,200 cash from clients for the services provided on january 26. a. record each of these transactions.b. determine the balance in the cash account on january 31. be certain to state whether the balance is debit or credit.
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Transactions: Jan. 18: Capital Stock (Equity) +$400,000, Cash (Asset) +$400,000 Jan. 22: Cash (Asset) +$100,000, Note Payable (Liability) +$100,000
Jan. 23: Advertising Expense (Expense) +$200, Cash (Asset) -$200 Jan. 25: Cash (Asset) +$5,000, Service Revenue (Revenue) +$5,000 Jan. 26: Accounts Receivable (Asset) +$18,000, Service Revenue (Revenue) +$18,000 Jan. 31: Cash (Asset) +$4,200, Accounts Receivable (Asset) -$4,200 The balance in the cash account on January 31 is $400,600 (credit balance). a. Recording the transactions: On January 18, the issuance of capital stock increases equity (capital stock) by $400,000, and the corresponding asset (cash) also increases by $400,000. On January 22, borrowing $100,000 from the bank results in an increase in cash by $100,000 and the creation of a note payable liability for the same amount. On January 23, paying $200 for a radio advertisement represents an expense (advertising expense) and reduces cash by $200.
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HELP PLEASE If in response to an increase in investment of $5 billion, equilibrium output rises by a total of $20 billion, then the marginal propensity to consume is
A) .8
B) .75
C) .7
D) .6
E) .85
Answers
Answer:
Pretty sure its B
Explanation:
lets say you have 20 take away 75% of 20 and your left with 5. every 5 Billion is 25%
Answer:
0.75 took the test
Explanation:
What is something you learned about investing?
Answers
Answer:
investing ensures present and future long-term financial security
Explanation:
sana makatulong
One benefit of a savings account is that you can earn interest on your deposits
O True
O False
Answers
Answer:
O True
Explanation:
A savings account offers a safe and secure platform for firms and households to save money. Savings accounts are offered by financial institutions such as banks and credit unions. When customers open savings accounts, they save by depositing money in their savings accounts.
Banks and credit unions require customer deposits to create loans for other customers. They encourage customers to save by offering interest on savings or deposits. It is true that banks pay interest on customer savings.
What type of transactions should be recorded in the Payment, Fee, Withdrawal column
of your check register?
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common lit capataliasmn-Which phrase best describes the relarionship between workers and bussiness owners in capatalists cociety
Answers
Answer:
In order for the government to be able to help with a problem, the problem must be brought to the proper of government and the proper.In order for the government to be able to help with a problem, the problem must be brought to the proper of government and the proper.
Explanation:
Sunshine Smoothies Company (SSC) manufactures and distributes smoothies. SSC is considering the development of a new line of high-protein energy smoothies. SSC's CFO has collected the following information regarding the proposed project, which is expected to last 3 years:
The project can be operated at the company's Charleston plant, which is currently vacant.
The project will require that the company spend $4. 9 million today (t = 0) to purchase additional equipment. For tax purposes the equipment will be depreciated on a straight-line basis over 5 years. Thus, the firm's annual depreciation expense is $4,900,000/5 = $980,000. The company plans to use the equipment for all 3 years of the project. At t = 3 (which is the project's last year of operation), the equipment is expected to be sold for $2,300,000 before taxes.
The project will require an increase in net operating working capital of $650,000 at t = 0. The cost of the working capital will be fully recovered at t = 3 (which is the project's last year of operation).
Expected high-protein energy smoothie sales are as follows:
Year Sales
1 $2,400,000
2 7,850,000
3 3,500,000
The project's annual operating costs (excluding depreciation) are expected to be 60% of sales.
The company's tax rate is 40%.
The company is extremely profitable; so if any losses are incurred from the high-protein energy smoothie project they can be used to partially offset taxes paid on the company's other projects. (That is, assume that if there are any tax credits related to this project they can be used in the year they occur. )
The project has a WACC = 10. 0%.
What is the project's expected NPV and IRR? Round your answers to 2 decimal places. Do not round your intermediate calculations.
NPV $
IRR %
Should the firm accept the project?
-Select-The firm should accept the project. The firm should not accept the project. Correct 7 of Item 1
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Partially Correct
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Set up a time line for the free cash flow analysis.
Refer to the layout in the textbook analyzing revenues and costs in the free cash flow format.
Remember to calculate operating costs.
No interest charges are deducted.
Calculate taxes.
Don't forget to include depreciation impact on the free cash flows.
Don't forget to include the tax credit if EBIT is negative in any year. (Refer to next to last bullet. )
Don't forget to include ΔNOWC in the Year 0 outlay but remember to add it back in the Year 3 termination cash flows. (There is no tax impact. )
Don't forget to include the sale of the machinery, termination free cash flows and the tax effect of selling the machinery.
Calculate the project's NPV and IRR.
Make a decision whether to accept the project or reject it based on the calculated NPV and IRR of the project. Remember, If the project’s NPV is positive then its IRR will be greater than its WACC.
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Solution
SSC is considering another project: the introduction of a "weight loss" smoothie. The project would require a $3 million investment outlay today (t = 0). The after-tax cash flows would depend on whether the weight loss smoothie is well received by consumers. There is a 40% chance that demand will be good, in which case the project will produce after-tax cash flows of $2. 2 million at the end of each of the next 3 years. There is a 60% chance that demand will be poor, in which case the after-tax cash flows will be $0. 52 million for 3 years. The project is riskier than the firm's other projects, so it has a WACC of 11%. The firm will know if the project is successful after receiving the cash flows the first year, and after receiving the first year's cash flows it will have the option to abandon the project. If the firm decides to abandon the project the company will not receive any cash flows after t = 1, but it will be able to sell the assets related to the project for $2. 8 million after taxes at t = 1. Assuming the company has an option to abandon the project, what is the expected NPV of the project today? Round your answer to 2 decimal places. Do not round your intermediate calculations. Use the values in "millions of dollars" to ascertain the answer.
$ millions of dollars
Answers
The expected NPV of the high-protein energy smoothie project is calculated by discounting the project's free cash flows at the weighted average cost of capital (WACC) of 10%. To calculate the free cash flows, we need to consider the initial outlay, annual operating costs, depreciation tax shield, salvage value of equipment, and the recovery of net operating working capital.
The project's cash flows are as follows:
Year 0: Initial outlay = -$4.9 million (equipment purchase) + $650,000 (increase in net operating working capital)
Year 1: Cash flow = Sales - Operating costs - Depreciation tax shield
Year 2: Cash flow = Sales - Operating costs - Depreciation tax shield
Year 3: Cash flow = Sales - Operating costs - Depreciation tax shield + Salvage value of equipment + Recovery of net operating working capital
Using the given sales and operating cost information, we can calculate the cash flows for each year and discount them to the present value using the WACC. The NPV is the sum of the present values of the cash flows minus the initial outlay.
To calculate the IRR, we need to find the discount rate at which the project's NPV becomes zero. By applying the internal rate of return (IRR) calculation, we can determine the rate at which the project breaks even.
Based on the calculated NPV and IRR, we can determine whether the firm should accept the project. If the NPV is positive and the IRR is greater than the WACC, it would indicate that the project is expected to generate positive returns and exceed the required rate of return.
Unfortunately, the given information does not provide the necessary data to calculate the NPV and IRR for the high-protein energy smoothie project. Additional information, such as the annual operating costs as a percentage of sales, tax rate, and salvage value, is required for a comprehensive analysis. Please provide the missing information to proceed with the calculation.
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10 Project management is ideally suited for a business environment requiring all of the following except od out of Select one: a. Flexibility O b. Repeatability O c. Accountability O d. Speed
Answers
The correct answer is option b. Repeatability.
Project management is ideally suited for a business environment requiring flexibility, accountability, and speed. However, it is not necessarily suited for repeatability. This is because project management is typically used for unique, one-time projects rather than ongoing, repetitive tasks. Therefore, the correct answer to the question is repeatability.
It should be noted that in project management the same steps should not be repeated either, this process always seeks to innovate and that is why it is not a repetitive management.
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when the money market is drawn with the value of money on the vertical axis, if the price level is above the equilibrium level, there is an
Answers
Answer:
There will be an increase in the price level.
Explanation:
Got it from study.com
The current price of a stock is $33 and the annual risk-free rate is 6%. A call option with a strike price of $32 and with one year until expiration has a current value of $6.56. What is the value of a put option written on the stock with the same exercise price and expiration date as the call option?
Answers
Given, The current price of a stock is $33 and the annual risk-free rate is 6%.A call option with a strike price of $32 and with one year until expiration has a current value of $6.56.We have to find the value of a put option written on the stock with the same exercise price and expiration date as the call option.
Solution: Given, Current price of a stock, S0 = $33Risk-free rate, rf = 6%Strike price of the option, K = $32Time to expiration, t = 1 year Call option price, C0 = $6.56Let us calculate d1 and d2.d1 = [ln(S0 / K) + (rf + σ²/2)t] / σ√td2 = d1 - σ√twhere σ is the standard deviation or volatility of the stock price, and ln is the natural logarithm. Substituting the values in the above formulas,
d1 = [ln(33/32) + (0.06 + σ²/2)(1)] / σ
d2 = d1 - σ√1
= d1 - σFor a European call option, the value is calculated using the formula,
C0 = S0 N(d1) - Ke-rf.t N(d2)where N is the cumulative standard normal distribution function. Substituting the values in the above formulas,6.56 = 33 N(d1) - 32e^(-0.06 × 1) N(d2)Let us calculate the value of d1 and d2 using the trial and error method since it cannot be solved using simple algebraic equations. Using the trial and error method, we get,d1 = 0.3314d2 = -0.0685We can calculate N(d1) and N(d2) from the standard normal distribution tables, which are available in statistical textbooks and software. N(d1) = 0.6309N
(d2) = 0.5349Thus, the value of a European call option is $6.56.We can calculate the value of the European put option, P0, using the put-call parity.P0 = Ke-rf.
t - S0 + C0= 32e^(-0.06 × 1) - 33 + 6.56
= $4.60Therefore, the value of the put option written on the stock with the same exercise price and expiration date as the call option is $4.60.
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Which best describes how specialized producers decrease their opportunity costs?
Oby reducing production costs
O by focusing on target markets
O by increasing production of certain items
Oby limiting the types of goods produced
Answers
The specialized producers decrease their opportunity costs by limiting the types of goods produced. Thus the correct option is last.
What does the opportunity cost?A situation of abundance, where an individual has a variety of options available and chooses one option over another by evaluating their importance is referred to as opportunity cost.
It's crucial to keep in mind that a supplier with a competitive edge can provide a good or service for less money than a rival supplier. By limiting teh goods producers can decrease the opportunity Cost.
Opportunity costs can be seen in every situation where a person is required to decide between something and giving up something else. In accordance with this theory, economic agents choose options that maximize benefits.
Therefore, option D is appropriate.
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Anybody else have a baby class in their school?
Answers
Answer:
no my school is boring hehehhe
What document outlines the terms and conditions under which a tenant occupies a property, and outlines the rights and responsibilities of both parties? a. lease c. rent-to-own contract b. purchase agreement d. home equity loan
Answers
Answer:
a. lease
Explanation:
Lease is defined as a contract agreement that states the amount a lessee pays to the lessor for use of a property.
Also various conditions of use are usually stated in the lease.
For example who will handle maintenance of the property.
These terms are agreed by both parties and is binding on them.
Information like the lease amount, due date, lessor, and lessee are stated
Before ordering used parts for a repair, a technician
should get
approval from the ____.
Answers
the person who would be most directly affected by the changes in the business cycle is workplace types and the economy
Answers
An economy is an area of the production, distribution, and trade, as well as consumption of goods and services.
What is the meaning of Economy?A territory with an economy is one where goods and services are manufactured, sold, traded, and used. It is generally accepted that it is a social domain that places special emphasis on the actions, conversations, and outward expressions related to the production, use, and management of finite resources.
A community's resource allocation is ultimately determined by a collection of connected processes for manufacturing and consumption, collectively referred to as an economy. The demands of those who live there and conduct business there are met by the whole production as well as consumption of goods and services.
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cast iron company, on each nondelinquent sale, receives revenues with a present value of $1,290 and incurs costs with a value of $1,095. cast iron has been asked to extend credit to a new customer. you can find little information on the firm, and you believe that the probability of payment is no better than 0.71. but if the payment is made, the probability that the customer will pay for the second order is 0.93. a. calculate the minimum probability at which credit can be extended assuming there is no possibility of repeat orders. (enter your answer as a percent rounded to 1 decimal place.) b. if it costs $16.75 to determine whether a customer has been a prompt or slow payer in the past, at how many units ordered should cast iron undertake such a check? (do not round intermediate calculations. round your answer to 2 decimal places.)
Answers
The minimum probability at which credit can be extended assuming there is no possibility of repeat orders is 86 %
Cast iron break even unit is 2.02 units.
Probability is a degree of the probability of an event to arise. Many occasions can't be anticipated with general actuality. we are able to are expecting best the chance of an event to arise i.e., how in all likelihood they may be going to occur, the usage of it.
Probability is the branch of arithmetic regarding numerical descriptions of how probably an occasion is to arise, or how probable it's miles that a proposition is authentic.
The probability of an event is various among zero and 1, in which, more or less talking, zero shows impossibility of the occasion and 1 shows certainty.
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the term for a close association between organisms of two or more species is
Answers
The term for a close association between organisms of two or more species is symbiosis.
What is symbiosis?
Symbiosis is a biological concept that describes the intimate relationship between two or more different species. It refers to the interaction and dependence between these organisms, which can have varying degrees of mutual benefit, harm, or neutrality.
There are three main types of symbiotic relationships: mutualism, where both species benefit; commensalism, where one species benefits while the other is unaffected; and parasitism, where one species benefits at the expense of the other.
Examples of symbiotic relationships include the mutualistic partnership between bees and flowers, where bees obtain nectar while aiding in pollination, and the parasitic relationship between ticks and mammals, where ticks feed on blood while potentially transmitting diseases.
Symbiosis plays a significant role in shaping ecosystems and the interdependence of organisms within them, highlighting the intricate connections and dependencies between different species.
The complete question is:
The term for a close association between organisms of two or more species is _____________.
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ROI stands for return on investment. It is the ratio of incremental profit from an activity over the cost of the activity times 100. If the incremental profit from your ad campaign is $5,000 and the cost of the campaign is $7,500, what is the ROI?
Answers
Answer:
66.7%
Explanation:
ROI stands for return on investment. It is the ratio of incremental profit from an activity over the cost of the activity times 100. If the incremental profit from your ad campaign is $5,000 and the cost of the campaign is $7,500, the ROI is 66%.
What is return on investment?The return on investment estimates the loss and gain generated on the amount of money that is invested. The return on investment) is the percentage to analyze an organization’s profit or the earnings of different investment.
The return on investments estimates what we will receive back as compared to what we have invested. It can be used by a company to estimate inventory investments, pricing policy, capital equipment investments, etc.
If the incremental profit from your ad campaign is $5,000 and the cost of the campaign is $7,500, the ROI is 66%.
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application of nuclear energy
Answers
Answer:
हिंदी में खोजें
एप्लीकेशन ऑफ नुक्लेअर एनर्जी
Applications of nuclear energy
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Background: Nuclear energy can be used for various industrial applications, such as seawater desalination, hydrogen production, district heating or cooling, the extraction of tertiary oil resources and process heat applications such as cogeneration, coal to liquids conversion and assistance in the synthesis of chemical.
draft a waiver for a trampoline park that includes an assumption of the risk in the space below.
Answers
A waiver drafted for a trampoline park that includes an assumption of the risk in the space.
The voluntary surrender of a known right or privilege is known as a waiver. Waivers can be issued by state departments or the federal government to exempt businesses from certain regulations.
SUBJECT - WAIVER AND ASSUMPTION OF RISKS
I , __________ OF__________ Hereby fully waive and release ___________ From any and all claims for personal injury or any damage to mental , emotional health or even death that may result from my participation in following activities _______________________________________ I hereby voluntarily at my own risk sign this waiver and assumption of risk in sole consideration to be permitted to use the company services.
I hereby understand and acknowledge that there are dangerous and risks associated with these activities , and which have been fully explained to me . I hereby agree to abide by all rules , regulations , policy imposed by the release relating to using company facilities .
By signing this waiver I fully assume the dangers and risks and agree to use my best judgement while engaiging in those activities .I also agree to hold harmless the company , its employees , agents from any liability occured during engaging in these activities .
I hereby certify that I am of legal age and competent to execute this waiver and assumption to risks and i am doing so with my free will and my dependents , hiers , succesors will keep abided by this document during the liability or death .
I certify i have read and understood all the foregoing and acknowledge my consent to all the terms of this waiver and assumption of risks by signing this waiver .
Dated -
Signature -
Name -
Full address -
Telephone -
Witness -
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In which nist csf tier have risk management practices been approved by management but may not be established as organizational-wide policy at this time?
Answers
In which NIST CSF tier have risk control practices been approved by management but won't be mounted as organizational-extensive coverage at the moment tier 2 hazard informed.
Management is a purposive interest. it's miles something that directs group efforts in the direction of the attainment of certain pre-determined dreams. “management” is the system of running with and through others to successfully obtain the goals of the organization, by using effectively using restricted resources in the converting international.
Initially recognized by means of Henri Fayol as five elements, there are actually four usually usual functions of management that encompass these necessary abilities: planning, organizing, leading, and controlling.
It facilitates achieving organization goals - It arranges the factors of manufacturing, assembles and organizes the resources, and integrates the resources in a powerful manner to gain dreams. It directs group efforts closer to the achievement of pre-decided desires.
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