when the term insurance is added to the main policy to enhance the policy or provide added benefit or coverage, it is called a term Rider.
Term life insurance, also referred to as term assurance, is a type of life insurance that provides coverage for a defined term, or limited period of time, with predetermined payment amounts. After that period has passed, the client will no longer be guaranteed coverage at the old rate of premiums, therefore they will have to decide between forgoing coverage or possibly obtaining additional coverage with new payments or conditions. If the life insured passes away within the time frame, the beneficiary will get the death benefit. Term insurance is frequently the least expensive way to purchase a sizeable death benefit when calculated on the basis of coverage amount per premium dollar for a specific time period.
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Which of the following is not one of the main variables that project management seeks to control? a. End-users b. Cost c. Time d. Quality e. Scope
a) "End-users" as it is not a variable that project management seeks to control. The main variables that project management seeks to control are cost, time, quality, and scope.
These variables are essential to ensuring that a project is completed successfully and on time. Cost refers to the budget allocated for the project, and project managers must control the costs to ensure that the project does not exceed the budget.
Time refers to the schedule for completing the project, and project managers must ensure that the project is completed on time. Quality refers to the level of quality that the project must meet, and project managers must ensure that the project meets the required quality standards.
Scope refers to the project's objectives, and project managers must ensure that the project meets the scope defined at the beginning of the project. Therefore, end-users are not a variable that project management seeks to control.
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You buy a new commercial stove for $9,000 and estimate that it will enable you to deliver 20 additional meals per night at an average price of $20. Assuming 25% food cost and no additional costs to using the new stove, how long will it take the stove to pay for itself? a)30 days, b) 90 days, c)180 days, d)365 days
Answer:
a)30 days
Explanation:
For the stove to repay itself, it will have to reach the break-even point.
the costs associated with the are the cost $9000
The gains from the stove: 20 meals per night at $20.
the cost per mean is 25% of the selling price
=25/100 x 20
=0.25 x20
=$5
The profits per meal = $20 -$5 = $15
Profits for 20 meals = $15 x 20 =$300
Dairy income from the stove is $300
To recover the cost, it will take $9000/$300 days.
=30 days
Answer:
30 days
Explanation:
As part of her undergraduate education, Isabel would like to study the application of moral standards to business situations. Which academic discipline should she pursue to best fulfill this academic objective?
Business ethics
Law
Ethics
Economics
As part of her undergraduate education, Isabel would like to study the application of moral standards to business situations. The academic discipline that should she pursue to best fulfill this academic objective is : A. Business ethics
What is business ethics?Business ethics can be defined as the type of ethics that help to check moral principles as well as those ethical issues that arise in a business environment.
Business ethics tend to deals with the values, morals and principles that help to govern the behavior of individuals and organizations in the business world, and seeks to resolve ethical dilemmas and promote corporate social responsibility.
Therefore the correct option is A.
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How does the price of oil impact the price of food?
Answer:
The price of Oil effect the price of food because it all works together in the economy/system
Explanation:
If Toni has an absolute advantage in both sewing and ironing when compared to Tom,thenA) they might benefit from trading, but we need more information to determine inwhich task they should specialize.B) neither Toni nor Tom can benefit from trading with each other.C) Toni should specialize in sewing and Tom should specialize in ironing.D) Toni cannot benefit from trading with Tom but Tom can benefit from tradingwith Toni.E) Tom cannot benefit from trading with Toni but Toni can benefit from tradingwith Tom.
Toni has an absolute advantage in both sewing and ironing compared to Tom, it is possible that they might benefit from trading, but more information is needed to determine in which task they should specialize.
So, the correct answer is A.
Understanding the concept of comparative advantageThe concept of comparative advantage comes into play, which means that even if Toni is better at both tasks, they can still gain from trade if they each focus on the task they are relatively better at.
By specializing in their respective tasks and trading with each other, they can potentially increase their overall productivity and efficiency, resulting in a mutually beneficial outcome.
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In the context of buying a business,a known commodity may command a higher price for what reason?
A)historical projections have intrinsic value
B)avoiding start-up costs has value
C)property values are variable
D)the value of a founder's stock decreases over time
In the context of buying a business, a known commodity may command a higher price for the reason that avoiding start-up costs has value. The correct option is B
When purchasing an established business, the buyer benefits from an existing customer base, operational infrastructure, and a proven business model, all of which contribute to a higher asking price.
Avoiding the costs and risks associated with starting a business from scratch, such as hiring staff, establishing a supply chain, and building a brand, is valuable to a potential buyer.
As a result, known commodities often demand a premium because they provide a more stable investment opportunity compared to starting a new venture. The correct option is B.
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The presentation recommends updating and modifying your budget how often?
The presentation recommends updating and modifying your budget on a regular basis, typically at least once a month.
What is presentation?Presentation is the act of presenting something to an audience. It could be a speech, a product demonstration, or a visual aid. Presentations are typically used to inform, explain, persuade, and/or entertain. They often involve visuals such as slides, charts, graphs, pictures, and videos. Presentations can also be used to teach, illustrate a concept, or to demonstrate a process. Presentations can take place in a variety of settings, such as a classroom, boardroom, or auditorium.]
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Think of a favorite product that you have. What do you think ALL of the things are that have to happen before you see the product in the store?
The transformation of raw materials into finished goods. Natural items are transformed into goods that can be sold on the market through manufacturing.
What are the initial steps ?The acquisition and monitoring of raw materials is the initial step in inventory management. The environment can be mined for raw materials or they can be purchased from sources. Once received, raw materials must be kept in storage until they are needed for manufacturing. Systems of inventory keep track of the quantity, location, and state of each raw item.
Work in process refers to the production process from storage to the assembly line. Production might be carried out internally or contracted out to manufacturers. Inventory management systems monitor the production process and the finished goods as they are produced in both scenarios.
The number, location, and state of each end product must be monitored. The system is updated in response to product purchases to account for the drop in inventory following distribution.
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write the important of organic manure
What are the pros and cons of a mixed market?
A mixed economic system has aspects of both socialism and capitalism. A mixed economy protects private property and allows for some economic freedom in the use of capital, but it also allows governments to participate in economic activity in order to achieve social goals.
The following are the pros of a mixed economy:
It offers better options for the survival of both the public and private sectors.It maintains consumer supremacy to buy goods and products of their own choice.It has incentives for inventions and product methodology. It is controlled by the government to provide the customers with maximum benefits.It reduces economic imbalance.The following are the cons of a mixed economy:
Most of the economy is in favor of the private sector, helping them to gain more profit.It applies the taxes.It reduces competition.It tends toward government control.It introduces a sizable gap between poor and rich people.People pay for their most basic necessities by themselves.It does not guarantee steady employment.You can learn more about mixed economy at
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DIFFERENCE BETWEEN EQUITY SHARES AND PREFERENCE SHARES FOR 3 MARKS
Answer:
Equity Shares are the shares that carry voting rights and the rate of dividend also fluctuate every year as it depends on the amount of profit available to the company. On the other hand, Preference Shares are the shares that do not carry voting rights in the company as well as the amount of dividend is also fixed.
go to key differences for more information
Explanation:
VOTE TOM NOOK FOR PRESIDENT FOR 2024
:0
yas I will vote him!
lol
wait..no! He will just take our money. My answer is a maybe.
The title of this talk is “Profit’s Not Always the Point.” But do you think profit is an added perk for companies that make the effort to promote positive social change? Explain.
yes, no matter what company say, they need money for funding for "social change"
why might you want to file your tax return on time anyway?
There are several reasons why you might want to file your tax return on time, even if you cannot pay the full amount of taxes owed:
Avoiding Penalties: If you file your tax return late, you may be subject to penalties and interest charges. These penalties can be quite significant and can add up quickly.Avoiding Interest Charges: If you don't file your tax return on time, you may also be subject to interest charges on the amount of tax you owe. These interest charges can also add up quickly and increase the total amount you owe.Qualifying for Refunds: If you are entitled to a refund, you need to file your tax return to receive it. Filing your tax return on time ensures that you receive any refund you are owed as soon as possible.Meeting Deadlines: Filing your tax return on time also helps you meet other deadlines that may be tied to your tax return. For example, if you need to file your FAFSA for financial aid, you may need information from your tax return. Similarly, if you are applying for a loan, the lender may need to see your tax return to verify your income.In short, even if you cannot pay the full amount of taxes owed, it's generally a good idea to file your tax return on time to avoid penalties, interest charges, and to ensure that you receive any refunds owed to you.
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pippi, the manager of quik mart, deposits the store's receipts in its account at regional bank. as to the receipts, the relationship between quik mart and the bank is
As to the receipts, the relationship between Quik mart and the bank is Creditor and Debtor.
Who is a Creditor and Debtor?Any individual or organization that owes money to another is said to be a debtor . The debtor often has to pay both the principle and interest on the loan.
Creditors are people or organizations that lent money to another firm and are now owed money. An organization or individual that loans money or offers credit to some other party is known as a creditor.
Debtors are individuals or businesses who owe you money. They are also referred to as "accounts receivable" by you.
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A budget is prepared as part of a(n) _____ plan.
Answer:
Financial
Explanation:
Answer:
A budget is part of a financial plan.
Explanation:
Financial work is anything having to do with money, and a budget is a plan for spending money. Therefore, budgets are part of a finance plan!!
The profit graph is based on the following linear equation:
multiple choice
a Profit = Unit CM × Q – Fixed Expenses.
b Sales = Unit CM – Unit Variable Cost.
c Profit = Unit CM × Q + Fixed Expenses.
d Profit = Selling Price × Q – Unit CM x Q.
The profit graph is based on the linear equation Profit = Unit CM × Q – Fixed Expenses.
In order to understand the profit graph, it is important to consider the components of the given linear equation: Unit CM, Q (quantity), and Fixed Expenses. The equation Profit = Unit CM × Q – Fixed Expenses represents the calculation of profit.
The term Unit CM refers to the Unit Contribution Margin, which is the selling price of a product minus its variable cost per unit. This represents the amount of profit generated by each unit sold after accounting for the variable expenses associated with producing the product.
The variable Q represents the quantity or number of units sold. By multiplying the Unit CM by the quantity, we obtain the total contribution margin, which is the total profit generated by selling the given quantity of units.
Finally, the Fixed Expenses are subtracted from the total contribution margin to calculate the profit. Fixed expenses are the costs that remain constant regardless of the quantity of units sold, such as rent, salaries, and other overhead costs.
By using this linear equation, we can plot a profit graph that shows the relationship between the quantity of units sold and the resulting profit. The graph will typically show an increasing trend as the quantity of units sold increases, indicating higher profits.
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The diagram shows the circular flow of goods and resources in a market economy. According to this diagram, where do individuals sell their labor? Responses A in the factor marketin the factor market B in householdsin households C in the product marketin the product market D in the revenue marketin the revenue market Question 2
The factor market is where people sell their labor. As a result, choice (A) is the proper reaction.
What is the factor market?A factor market is a marketplace where the components of manufacturing are purchased and traded in economics. Factor markets provide income to the owners of productive resources, such as wages, rents, and so on, as well as the factors of production, including land, labor, and capital.
Companies purchase productive resources in exchange for factor payments made at factor pricing. The derived demand principle governs how product and factor markets interact.
Hence, option (A) is the accurate choice.
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Explain two reasons why the team experienced the storming stage
Answer:
Every newly-formed team experiences the storming stage because of the usual conflicts that arise after the formation stage. Naturally, different personalities make up a team. When the personalities clash, conflict is experienced.
Another reason for the storming stage is the competition that new team members exert on the team, especially with regard to team leadership and bonding.
Explanation:
The storming stage is the second and most important stage of team development. It is marked by conflict and competition as individual personalities emerge. The stage makes or mars the team development process. After this stage, the team can then experience the three remaining stages of norming, performing, and adjourning.
if the mean is 32 and the median is 40 what would be value of mode
Answer:
Step-by-step po:
3 Median = Mode + 2 Mean
Given: Mean = 30 / Mode = 40
Now: 3 Median = Mode + 2 Mean
=> 3 Median = 40 + 2 (30)
=> 3 Median = 40 + 60
=> 3 Median = 100
=> Median = 100/3
=> Median = 33.3
Explanation:
if both npv and irr are used to evaluate various alternative investments, their ranking of these investments will always be identical. T/F?
False. The ranking of investments based on net present value (NPV) and internal rate of return (IRR) can differ in certain situations.
NPV measures the profitability of an investment by calculating the present value of expected cash flows, discounted at a specified rate of return. It represents the net gain or loss of an investment. On the other hand, IRR is the discount rate at which the present value of cash inflows equals the initial investment. It represents the annualized rate of return.
The ranking of investments can vary when the investments have different cash flow patterns or magnitudes. NPV assumes a specified discount rate, and investments with higher NPVs are considered more favorable. IRR, on the other hand, calculates the discount rate at which the investment breaks even. If investments have different cash flow patterns, the IRR may give conflicting rankings compared to NPV. This occurs when there are multiple IRRs or when cash flows change signs multiple times. In such cases, NPV provides a more accurate ranking, as it considers the timing and magnitude of cash flows explicitly.
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he following information relates to the operations of cruz manufacturing during the current year: raw materials used $ 9,100 direct labor wages 29,100 sales salaries and commissions 24,100 depreciation on production equipment 1,910 rent on manufacturing facilities 14,100 packaging and shipping supplies 2,910 sales revenue 94,100 units produced and sold 9,100 selling price per unit $ 18.00 based on this information, what is the company's cost of goods sold?
The company's cost of goods sold is $57,120 if the company produces 94,100 units and the cost of each unit is $ 18.00.
Raw materials used = $ 9,100
Direct labor wages = $29,100
salaries and commissions = $24,100
Depreciation = $1910
Rent = $14,100
Shipping supplies = $2,910
Number of units produced = 94,100
Number of units sold = 9,100
Selling price = $ 18.00
The cost of goods sold (COGS) is computed as the sum of all costs involved to create and sell the products during the year.
COGS = Raw materials + Direct labor earnings + Depreciation on production equipment + Rent + Packaging and shipping supplies
COGS = $9,100 + $29,100 + $1,910 + $14,100 + $2,910
COGS = $57,120
Therefore, we can conclude that the company's cost of goods sold is $57,120.
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80% of people starting a business use their own personal savings. What is the advantage to this strategy versus using bank loans and credit cards? A. You control how the money is spent B. You will not pay interest on the capital. C. You do not have any risk of losing your money.
An advantage of using personal savings instead of bank loans and credit cards is you will not pay interest on the capital. (option B)
What is personal savings?Personal savings is the wealth that a person has accumulated over a period of time. When a person uses his personal savings to start a business, the person would not have to pay interest on the money used in the business because the funds used belongs to the person.
Banks loans and credit cards are subject to interest payment over the duration of the loan. Interest would increase the cost of starting the business. Funds that are gotten either from bank loans or personal savings can be lost if the business is not successful. Also, three is an opportunity cost associated in using the funds for starting a business. Opportunity cost is the cost of the next best option forgone when one option is chosen over other options.
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The Tylenol case in the 1980s, in which capsules were injected with cyanide, is an example ofa. product extortion.b. product liability.c. product tampering.d. product packaging.
The Tylenol case in the 1980s is an example of product tampering, where someone intentionally interfered with the product to cause harm to consumers. In this case, someone injected cyanide into Tylenol capsules, resulting in the deaths of several people. The incident led to a massive recall of Tylenol products and significant changes in the packaging and distribution of over-the-counter medications.
It also raised awareness about the need for product safety and security measures to prevent similar incidents in the future. The incident was a wake-up call for social businesses to take measures to prevent product tampering and ensure the safety of their consumers.
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Dublin, April 27, 2021 (GLOBE NEWSWIRE) - - Tr '" report has been added to ResearchAndMarkets.com's offering. This report rocuses on we accounting sector in South Africa and includes information on the state of the sector, recent developments and influencing factors. There are profiles of 18 companies including the big four, PWC, Deloitte, EY and KMPG, as well as other prominent companies including BDO and Mazars, and a number of smaller firms. The Accounting Sector in South Africa: The accounting sector is the guarantor of financial reporting standards and performs a critical function in the economy. Although well-established and anchored by the world's largest accounting firms, the auditing profession has been mired in controversies relating to fraud and financial irregularities involving its clients. These have highlighted the shortcomings of the external audit and various stakeholders have called for audit reforms. Regulatory changes that are set to disrupt the industry include the mandatory rotation of auditors, which is scheduled to come into effect on 1 April 2023. Reputational Damage: Poor accountability, specifically the failure of certain major auditing firms to report financial malpractice and fraud involving private companies and public entities, has resulted in a credibility crisis for the auditing profession. Major firms have implemented controls including audit quality monitoring systems, integrity checks, whistle-blowing initiatives and publication of annual transparency reports. The large firms' increased reticence to take on clients who present an elevated risk is expected to drive many clients to smaller accounting firms. Answer ALL the questions in this section. Question 1 (15 Marks) Examine the extract above and explain how considering ethics as the bottom-line can mitigate the reputational damage on the accounting sector in South Africa.
The accounting sector in South Africa has been plagued by controversies related to fraud and financial irregularities, which have resulted in a credibility crisis for the auditing profession.
Considering ethics as the bottom line can mitigate reputational damage on the accounting sector in South Africa by promoting transparency and accountability in financial reporting practices and encouraging ethical conduct by auditors and accounting firms. Financial scandals and controversies have highlighted the shortcomings of external audits and the need for audit reforms. Regulatory changes such as mandatory rotation of auditors are set to disrupt the industry, and stakeholders have called for greater accountability and transparency in financial reporting practices.
By considering ethics as the bottom line, accounting firms can adopt integrity checks, whistle-blowing initiatives, and other measures to promote transparency and accountability in their operations. They can also implement audit quality monitoring systems and publish annual transparency reports to demonstrate their commitment to ethical conduct. These measures can help restore trust in the accounting profession and mitigate the reputational damage caused by financial scandals and controversies.
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What are the 4 common financial statements?
The four common financial statements are the Balance Sheet, Income Statement, Cash Flow Statement, and Statement of Changes in Equity.
The 4 common financial statements are: The Balance Sheet: This statement shows a company's assets, liabilities, and equity at a specific point in time. It is used to assess the financial health of a company. The Income Statement: This statement shows a company's revenues and expenses over a specific period of time. It is used to determine a company's profitability.
The Cash Flow Statement: This statement shows a company's inflows and outflows of cash over a specific period of time. It is used to assess a company's liquidity and ability to meet its financial obligations. The Statement of Changes in Equity: This statement shows the changes in a company's equity over a specific period of time. It is used to assess how a company's equity is affected by its profits or losses.
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Explain one advantage of adopting a centralised structure
Answer:
Centralized organizations are typically more efficient as far as assuring that a business decision made at the top is passed down through the organization. The CEO or other high-level company official passes a decision or policy to the next level down and this information is passed on down level by level.
Explanation:
Some advantages of central purchasing include reducing redundant work, lowering costs associated with training and supporting additional staff, and better control. Some disadvantages of central purchasing include increased complexity, delayed deliveries, and forgone local discounts.Advantages of a centralised management structure include: consistency across the business. the business has a clear direction. operations and decisions are closely controlled and managed.Suppose you are given the following information regarding several investments: (a) On the basis of the utility formula above, which investment would you select if you were risk averse with A=4 ? (b) On the basis of the utility formula above, which investment would you select if you were risk neutral? Page 2 (c) The variable (A) in the utility formula represents the: a. investor's return requirement. b. investor's aversion to risk. c. certainty equivalent rate of the portfolio. d. preference for one unit of return per four units of risk.
(a) Insufficient data to determine optimal investment for risk-averse investor with A=4. (b) Insufficient data to determine optimal investment for risk-neutral investor. (c) Variable (A) represents investor's risk aversion in the utility formula.
(a) If you are risk-averse with A=4, you would select the investment that maximizes utility based on the utility formula provided. Unfortunately.
The specific utility formula is not mentioned in the question, so it is not possible to determine the optimal investment choice without further information.
(b) If you are aversion, you would select the investment with the highest expected return, regardless of the level of risk.
Again, without specific information about the investments and their expected returns, it is not possible to determine the optimal investment choice.
(c) The variable (A) in the utility formula represents the investor's aversion to risk. A higher value of A indicates a greater aversion to risk, while a lower value of A represents a lesser aversion to risk.
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The complete question is:
Suppose You Are Given The Following Information Regarding Several Investments: (A) On The Basis Of The Utility Formula Above, Which Investment Would You Select If You Were Risk Averse With A=4 ? (B) On The Basis Of The Utility Formula Above, Which Investment Would You Select If You Were Risk Neutral? Page 2 (C) The Variable (A) In The Utility Formula
Give an in-depth example of a Market System.
A market system is an economic system that relies on the private ownership of goods and services, in which production, consumption, and resource allocation decisions are driven by the market forces of supply and demand.
An example of a market system can be seen in the technology industry, specifically with smartphones. Companies like Apple, Samsung, compete to produce the best smartphones with advanced features. The market is driven by consumer demand, which is determined by a variety of factors such as brand loyalty, price sensitivity, and the quality of features.
These companies allocate resources by investing significant amounts of money into research, development, and marketing campaigns to attract consumers. The suppliers of raw materials such as silicon, glass, and plastics benefit from the market by providing necessary components to the smartphone manufacturers.
Consumers have the freedom to choose from a variety of options based on their preferences and budget constraints, which results in a constant evolution of features and innovation within the industry. The market also determines the price of smartphones, which can fluctuate based on supply and demand. Overall, the market system in the smartphone industry allows for a dynamic and competitive ecosystem that benefits both producers and consumers.
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Alena hopes that a good outline will accomplish Which of the following for her
presentation
A. Encourage her to describe in length the information on her slides
O B. Let her find the ways in which competing theories disagree with
her ideas
C. Enable her to use media more efficiently.
D. Help her distinguish between main topics and subtopics.
SUBMIT
Answer:
D. Help her distinguish between main topics and subtopics.
Explanation:
During a presentation, a good outline helps to list out the main points of the presentation in an orderly and easily understood manner.
For Alena, during her presentation, she would hope that a good outline would help her to distinguish between the main topic and subtopics.