Variable life insurance is quite different from policies like Conventional Whole life assurance, Fire Insurance, Motor Insurance, House-owner Insurance etc.
This type of life insurance provides permanent life insurance policy with an investment component which acts similarly to a mutual fund investment.It is important to understand that the policy does provide loan out features to the life assured if the policy have been in existence for long.In conclusion, the loan are not required to be paid back, rather, they will be deducted from the Cash value (Benefit payable) on the Variable life insurance policy.
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Who can check your credit score?
Current or potential creditors — like credit card issuers, auto lenders, and mortgage lenders — can pull your credit score and report to determine creditworthiness as well. Credit history is a major factor in determining (a) whether to give you a loan or credit card, and (b) the terms of that loan or credit card.
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Today is Jerry's first day at his new job as a cashier at the local grocery store. When he arrives in the morning one of his new colleagues explains that Jerry will spend some time watching his colleague use the cash register while the colleague explains what he is doing. Then, after break time, it will be Jerry's turn to start acting as cashier, with his colleague right next to him to show him how to use the machine properly and conduct transactions with customers. Once he feels confident and learns this new skill, Jerry will be able to operate the cash register on his own. This is an example of:
Since today is Jerry's first day as a cashier at the grocery store and he is spending some hours observing another colleague, the use of the cash register, Jerry is receiving an example of on-the-job training.
An on-the-job training exposes the recruit to the tools, processes, and environment of the job.
An on-the-job training involves initial observation of another colleague doing the job, receiving instructions from supervisors, and practical experience.Observation helps the recruit to see how the job is done and to ask questions for clarifications. Instructions are given so that the recruit understands the entity's practices and procedures. The hands-on experience enables the recruit to start doing the tasks involved in the job.
Thus, on-the-job training is an aspect of Human Resources Management that helps Jerry to acquire competences and skills to carry out the cashier job at the grocery store.
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The following entries appear in a cash account in March. $ Payments by customers 15,000 Rents received 250 Insurance paid 150 Drawings 700 Capital paid in 2,000 The balance at 1st March was $2,000 (in hand) what was the closing balance at 31st March?
Answer:
ejvjnwkjvnjn
Explanation:
baxcjnsldkv
What is the collection of direct, non-advertising messages a company presents to the public about itself, its brand, and its products? A. Sales promotions B. Market research C. Direct marketing D. Public relations Please select the best answer from the choices provided A B C D
Answer:
Is a D. Public relations
what are the various level of professions
Answer:
Entry-level. Intermediate. Mid-level. Senior or executive-level.
Answer
Basic level.
Basic level.Medium level.
Basic level.Medium level.High level.
Jamal is creating a four-fold brochure about the parts of a business including production, finance, marketing, and customer service. If he only wants to highlight the key aspects of each part with several bullet points, what information should he include? Briefly explain why you feel this is the most important information about each part of a business.
If Jamal is creating a four-fold brochure about the parts of a business including production, finance, marketing, and customer service If he only wants to highlight the key aspects of each part with several bullet points, the information he should include will be:
Jamal should carry out adequate and accurate research concerning the vital information that should be included in the brochure.
The information that he should include in his brochure should be:
He should include relevant information that the customers need in the brochure.He should show professionalism or he should show how professional he his when it has to to with his business.He should highlight the most important aspect of the business such as the company products and services. He shown reveal the purpose and objective of the business including what the business stand for.The reason why i feel this is the most important information about each part of a business is because it will enables people to know that he is good at what he does which will in turn help to promote the business.
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How does money function as a medium of exchange?
O A. It has a value that is set and changed by the government.
O B. It can be used to compare the value of different products.
C. It allows people to buy, sell, and trade goods efficiently.
D. It can be made of paper, metal, or many other materials.
Answer:
C. It allows people to buy, sell, and trade goods efficiently
Answer: C, it allows people to more easily buy and sell products
Explanation:
When the cost of most goods and services rise over time, this has the effect of a dollar being able to buy less over time. This is called _____.
deflation
inflation
supply and demand
exchange value
Summarize red lines and reverse red lining and why they are unethical lending practices
Answer:
3 For example, redlining has been used to describe discriminatory practices by retailers, both brick-and-mortar and online. Reverse redlining is the practice of targeting neighborhoods (mostly non-white) for higher prices or lending on unfair terms such as predatory lending of subprime mortgages. A 2017 study by Federal Reserve Bank of Chicago economists found that redlining—the practice whereby banks discriminated against the inhabitants of certain neighborhoods—had a persistent adverse impact on the neighborhoods, with redlining affecting homeownership rates, home values and credit scores in 2010.
Which of the following is a strategy that may be used to gain financial success?
1_ buy what you want
2_ignore risks
3_make a financial plan
4_borrow money for fun
5. If an office makes equipment available in all offices and to all departments, then the firm is
practicing centralization of office equipment.
True
False
True.......
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Which two are segments in a Marketing Plan? (Choose two)
Demographic
Psychographic
Income
Loyalty
The two segments that are part of a Marketing Plan are: A. Demographic and B. Psychographic segments.
A marketing plan details a company's target market, the brand's value proposition, the marketing campaigns, and the evaluation metrics for assessing if marketing initiatives are effective and inefficient.In the marketing plan, the target market is usually segmented to enable the marketing efforts to yield good results.The four major segments are:
DemographicPsychographicGeographicBehavioral.The "demographic" segment classifies the target market based on age, gender, or race. On the hand, "psychographic" segmentation dwells on consumers' activities, interests, and opinions, which go beyond the demographic classification.Thus, the two segments that are part of the Marketing Plan are demographic and psychographic, while income and loyalty are ingredients in the segments.
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Answer: Demographic
Psychographic
Explanation:
What leadership styles would you use to describe Carlos Slim Helu?
Answer: autocratic
Explanation:
Carlos Slim's leadership style is autocratic since he centralizes the high level decisions, pedantically oversees his investments, and assumes responsibilities for his actions. . His style mechanics differentiate from most CEO's due the number of companies he runs and the variety of industries
Answer:
the leadership style is autocratic
Explanation:
since he incorporates high-level decisions, meticulously supervises his businesses, and accepts responsibility for his actions.
If a stadium increases its profit margin from $250,000 to $575,000, what is the percentage increase in profit margin?
Answer:
250,000x575,000 a percentage is 1 thusand
The percentage increase in profit margin would be : 57%
First, we'll get increase in the profit
= $575,000 - $250,000
= $325,000
Then, the percentage increase in profit margin
= $325,000 / $575,000 * 100
= 0.57 * 100
= 57%
Hence, the percentage increase in profit margin would be 57%.
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According to the guidelines of good journalism, which of the following is correct:
O Her birthday is March 10
O Her birthday is Mar. 10
O Her birthday is march 10
O Her birthday is mar. 10
Answer:
Her birthday is March 10 plz Mark me as brainlliestEggs, toilet paper, and candy bars are examples of __________.
A.
Specialty goods
B.
Convenience goods
C.
Shopping goods
D.
Unsought goods
Answer:
I think c
Explanation:
u can get it all from a store
Answer:
B. Convenience goods
Explanation:
Edge 2021
EAR versus APR [LO4] Two banks in the area offer 30-year, $220,000 mortgages at 5.5 percent and charge a $3,500 loan application fee. However, the application fee charged by Insecurity Bank and Trust is refundable if the loan application is denied, whereas that charged by I.M. Greedy and Sons Mortgage Bank is not. The current disclosure law requires that any fees that will be refunded if the applicant is rejected be included in calculating the APR, but this is not required with non fundable fees (presumably because refundable fees are part of the loan rather than a fee). What are the EARs on these two loans? What are the APRs?
Answer:
application fee. However, the application fee charged by Insecurity Bank and Trust is refundable if the loan application is denied, whereas that charged by I.M. Greedy and Sons Mortgage Bank is not. The current disclosure law requires that any fees that will be refunded if the applicant is rejected be included in calculating the APR, but this is not required with non fundable fees (presumably because refundable fees are part of the loan rather than a fee). What are the EARs on these two loans? What are the APRs?
Establishing a secure customer or client base is an example of how to deal with this type of risk.
compliance risk
operational risk
strategic risk
financial risk
how will you try overcoming the lower price offer by a competitor?
Answer:
Argue that you are better in every way you can.
Explanation:
hope this helps!
7. Valuing semiannual coupon bonds Bonds often pay a coupon twice a year. For the valuation of bonds that make semiannual payments, the number of periods doubles, whereas the amount of cash flow decreases by half. Using the values of cash flows and number of periods, the valuation model is adjusted accordingly. Assume that a $1,000,000 par value, semiannual coupon US Treasury note with five years to maturity has a coupon rate of 6%. The yield to maturity (YTM) of the bond is 9.90%. Using this information and ignoring the other costs involved, calculate the value of the Treasury note: $849,059.88 $721,700.90 $534,907.72 $1,018,871.86 Based on your calculations and understanding of semiannual coupon bonds, complete the following statement: The T-note described in this problem is selling at a .
The value of the Treasury note is $849,059.88 and this is selling at a discount.
The value of a treasury note depends on different factors such as:
The initial valueThe coupon rateThe value of the yield to maturityConsidering these aspects, let's calculate the value of the treasury note
Initial value: $1,000,000
$1,000,000 x 6% (coupon rate) = $60,000
$60,000 / 2 (the coupon pays twice a year) = $30,000 - This value refers to the payment per period
Let's consider now the number of periods and the yield to maturity
Number of periods: 5 x 2 (the number of periods double) = 10 periods
Yield to maturity or rate: 9.90% / 2 (cash flow decreases by half) = 4.95%
Finally, you can use the PV formula to calculate the value:
PV (4.95%,10,-30000,-1000000) - This part is done in excel program as the original formula is quite complex
PV =$849,059.88
Based on this, the value of the note is $849,059.88, and you can conclude this is selling at a discount because this value is lower than the initial value of 1,000,000.
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Julio does not specialize in a particular function; instead, he provides overall guidance and leadership for the company. Julio is an administrative or ____ manager.
What is the answer to this?
Considering the description in the question above, Julio is an administrative or General Manager.
This is based on the idea that a General Manager is someone or an individual who takes an executive role in a firm or organization.
The role of a General Manager covers the activities of controlling all the income and expenditure of the firm.
A General Manager has no specific role, unlike other employees. He serves to provide leadership, set goals, and help guide the firm to achieve its missions and vision.
Hence, in this case, it is concluded that Julio is a General Manager.
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Distinguish between financial and cost accounting.
Cost accounting compiles the cost of raw materials, work-in-process, and finished goods inventory, while financial accounting incorporates this information into its financial reports (primarily into the balance sheet). ... Financial accounting personnel issue reports only at the end of a reporting period.
Which of the following characterize a manager as being efficient?
Explanation:
They use a minimum amount of resources for the amount of outputs produced.
Mark the types of businesses that are most likely to need
personal liability protection for their owners. (Select five
answers.).
Driver's education classes
A dressmaker
A children's daycare center
Skiing lessons
Web design service
Cleaning service
An in-home nurse
A bakery
Graphic design service
A jewelry maker
Answer:
Driver's education classes, a children's daycare center, skiing lessons, an in-home nurse, and a bakery are more likely to need personal liability protection for their owners.
Explanation:
Those are business types that put people's health and safety at risks.
Discuss 6 reason why banks fail in Ghana and proffer solution to reduce banking sector from these 6 cancerous roots in your opinion
Various reasons have been found as the source of bank failure in Ghana; 6 reasons among these several reasons include Lack of corporate governance and Bad loans.
Other reasons why banks fail in Ghana include the following:
Inefficient regulatory practicesFake licenses processLow capital basePoor credit risk.The solution to restoring the banking sector from these six cancerous roots are following:
The Central Bank of Ghana should ensure all the banks in Ghana have a specific amount of capital to run their banking services to avoid undercapitalization.All the banks should ensure they carry out a necessary credit risk analysis before discharging credit to customers.The Central Bank of Ghana should make the licensing process open and fair while putting heavy sanctions on banks with fake licenses.The Central Bank of Ghana should also check the bank operations report periodically to know if they are working under established standards.All the Banks in Ghana should be encouraged and mandated to operate based on established corporate standards.Banks in Ghana should always access the loan or lending operations to manage their capital very well.Hence, in this case, the Bank's failure in Ghana can be redeemed if the proper strategies are in place.
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what is the best way to move up and down on your computer srceen?
Answer:
your scroll wheel or pg up or pg down button
Explanation:
how should telcom expand taking over a phone manufacturer or a chain of shops selling mobile phones
Answer:
expenses already strain their profit margin most operator's can't afford to shoulder the further financial burden of improving smartphone affordability for consumers.
Textra produces parts for a machine manufacturer. Parts go through two departments, Molding and Trimming. The company budgets overhead cost of $258,750 in the Molding department and $218,750 in the Trimming department. The company budgets 16,000 machine hours (MH) in Molding and 25,000 direct labor hours (DLH) in Trimming. Actual production information follows. Number of Units Molding Department Trimming Department Hours per Unit Total Hours Hours per Unit Total Hours Part Z 3,000 2.0 MH per unit 6,000 MH 3 DLH per unit 9,000 DLH Part X 4,000 2.5 MH per unit 10,000 MH 4 DLH per unit 16,000 DLH Totals 16,000 MH 25,000 DLH Required: 1. Compute a departmental overhead rate for the Molding department based on machine hours and a departmental overhead rate for the Trimming department based on direct labor hours. 2. Determine the overhead cost per unit for each part using the departmental rates.
1 a. Departmental overhead rate for the Molding Department based on machine hours = $16.17 ($258,750/16,000)
1 b. Departmental overhead rate for the Trimming Department based on direct labor hours = $8.75 ($218,750/25,000)
2. Overhead cost per unit for each part based on departmental rates:
Part Z Part X
Molding department $32.34 ($16.17 x 2) $40.43 ($16.17 x 2.5 MH)
Trimming department $26.25 ($8.75 x 3) $35.00 ($8.75 x 4)
Overhead cost per unit $58.59 $75.43
Data and Calculations:
Molding Trimming
Budgeted overhead cost $258,750 $218,750
Budgeted machine hours 16,000 25,000
Actual Production:
Molding Department Trimming Department
Hours Units Total Hours Hours Units Total Hours
per Unit per Unit
Part Z 2.0 MH 3,000 6,000 MH 3 DLH 3,000 9,000 DLH
Part X 2.5 MH 4,000 10,000 MH 4 DLH 4,000 16,000 DLH
Totals 16,000 MH 25,000 DLH
Thus, the Overhead cost per unit for Part Z is $58.59 and for Part X is $75.43.
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A client has several suppliers they purchase their materials from, and most of the suppliers require part or all payments to be made at the time of order. You advise your client to set up a Prepayments account that can be reconciled each month. How should this account be set up
Analyzing the above scenario, the customer should set up an asset account called prepayment, which is an item described in the balance sheet as a current asset and liability, as this will be a financial resource available for future use.
A prepayment asset account is therefore configured as an expense previously paid, but which has not yet occurred, being this a facility for companies to pay their suppliers at the time of the order in a previously scheduled manner.
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Describe at least four ways you can take money out of a checking account. (1-4 sentences. 2.0 points)
List four ways Heidi can withdraw money from her checking account. Heidi can write a check, use an ATM, fill out a withdrawal slip and take it into the bank, or use online banking to transfer money to another account.