The formula for deriving the combined ratio is {(Sum of the loss ratio + General expenses + broker's commissions) / Total premiums written].
In insurance, the combined ratio is used to measure the profitability of an insurance company in terms of its daily underwriting business.
The formula for deriving the combined ratio is {(Sum of the loss ratio + General expenses + broker's commissions) / Total premiums written]In conclusion, the combined ratio helps to evaluate the insurance company's profitability and financial health through measurement of its day-to-day performance.
Learn more about this here
brainly.com/question/2202005
If P(A) = .62, P(B) = .47, and P(A U B) = .88; then P(AN B) =
Answer:
197............................
Which statement is a reason for using our unconventional reserves if they were more difficult to obtain
Unconventional resources are the resources that make use of specialized extraction to obtain fuel from the deposit.
Your information is incomplete. Therefore, an overview of an unconventional reserve will be given. An unconventional reserve makes use of specialized extraction to obtain fuel from the deposit.
The resources that can be extracted from conventional petroleum reserves are natural gas, crude oil, and condensate. It should be noted that the products that can be refined are petrol, diesel, asphalt base, kerosene, etc.
Read related link on:
https://brainly.com/question/25491380
What could an article in a financial publication tell you about a company that
a prospectus can't?
A. How much profit the company has produced for shareholders
B. What major losses the company has suffered
C. What improvements have been made to improve employee morale
D. What the company's assets and liabilities are
The thing that an article in a financial publication can tell one about a company that the prospectus won't is C. What improvements have been made to improve employee morale.
A prospectus simply means a formal legal document that is designed to provide information about an investment of a company to the public.
The prospectus can contain information such as the profit the company has produced for shareholders, the major losses the company has suffered, and the company's assets and liabilities.
Read related link on:
https://brainly.com/question/25753234
Answer:C
Explanation:just got it right
Next Up Computer Company thinks it will make a splash with cartoon-themed laptop cover designs scheduled for release next year. The computers do not have any other feature differences from what Next Up currently offers. This effort is an example of using __________ to differentiate a product as new.
Considering the situation described above, this effort is an example of using image differentiation to differentiate a product as new.
Image differentiation is a type of differentiation strategy used by business firms to differentiate their products through communications.
By using communication strategies such as written, audio, digital, advertisement, or images to differentiate between various products or from existing products, this is an example of image differentiation.
Thus, when Next Up Computers only changes the cover designs alone, that is a form of image differentiation.
This is type of differentiation is often referred to as Reputation Differentiation.
Other types of differentiation methods include the following:
Product differentiationService differentiationRelationship differentiationDistribution differentiation.Price differentiation.Hence, in this case, it is concluded that the correct answer is "Image Differentiation."
Learn more here: https://brainly.com/question/14302620
QUESTION 10 of 10: You have been promoted to buyer for a mall-based fashion retailer. With your promotion, you will earn an additional
$4,000 per year. If you previously earned $58,000, what is the percentage increase in your salary?
6.9% or 14.5%
Explanation:
I did the math
I belive 6.9% is the correct answer tho
In pricing models, elasticity of demand is an input with specifies the: a. range of demand b. sensitivity of demand to changes in price c. level of demand d. sensitivity of price to changes in demand
In pricing models, elasticity of demand is an input with specifies the sensitivity of price to changes in demand. Thus, option D is correct.
What is elasticity of demand?The degree to which demand reacts to a change in an economic component is known as elasticity of demand. The most prevalent economic component considered when calculating elasticity is price. Income level and the accessibility of substitutes are further considerations.
Elasticity gauges how demand changes in response to shifting economic conditions. Demand is said to be inelastic when it is unaffected by price changes. "The responsiveness of the quantity required of a good to changes in one of the variables on which demand depends is known as elasticity of demand. In other words, it is the ratio of the percentage change in the quantity demanded to the percentage change in one of the factors that affect demand.
Learn more about elasticity of demand here:
https://brainly.com/question/3046543
#SPJ2
Human Resource Manager.
What changes do you expect to see in this sector in the next 5 years?
What skills and experience will you need to develop now and, in the
future, to equip yourself for success in your chosen role?
Answer:
In 2021, more HR departments will need to develop long-term strategies for providing employees with mental health resources. ... While that will likely include initiatives like reorganizing physical spaces and updating company policies, mental health needs to be part of the equation, too.
Explanation:
hope it helps
Why might you visit a brick-and-mortar store instead of shopping online?
Because you're shopping in the middle of the night.
So that you can try out the product then and there.
So you can buy it tax-free.
So you can have it delivered to your door.
Answer:
so you can have it delivered to your door.
Explanation:
visiting a brick and mortar store, instead of shopping online is you can have it delivered to your door.
what are the source of law ?
Walt Disney reports the following information for its two Parks and Resorts divisions. U.S. International Current Year Prior Year Current Year Prior Year Hotel occupancy rates 87 % 83 % 79 % 78 % Assume Walt Disney uses a balanced scorecard and sets a target of 85% occupancy in its resorts. (1) Which division(s) exceeded the occupancy target during the current year
The division that exceeded the occupancy target during the current year was the United States because it had 87% occupancy.
A balanced scorecard is a management model that groups together various data to evaluate the result of a strategy related to the objectives.
A balanced scorecard works through indicators that allow aligning the behavior of the organization's members with the company's strategy.
Based on the above and the chart, the only resort that exceeded the occupancy target (85%) during the current year was the United States resort (87%)
Learn more in: https://brainly.com/question/8317241
The video title refers to a pay cut for the CEO. What prompted the board of directors to take this action
The thing that resulted in the board of directors taking the action regarding the pay cut for the CEO is due to A. Unethical actions in regard to a whistleblower's identity.
A whistleblower simply means an individual who can also be an employee for an organization or a government agency that discloses information to the public for wrongdoing.
Based on the complete information, it should be noted that the information illustrated was about Barclay's case study. Based on the information, the pay cut for the CEO wasn't due to the investigation by the Financial conduct authority but rather, due to unethical actions in regard to a whistleblower's identity.
Read related link on:
https://brainly.com/question/25481421
When the price of a normal good rises, the income effect results in ________ in the quantity demanded and the substitution effect results in ________ in the quantity demanded.
In the case of a normal good, the consumer will decrease the consumption of a good when its price rises. This is because both income and substitution effects are unidirectional in this case.
When the price of an inferior good falls, the substitution effect contributes to an increase in the quantity demanded, and the income effect opposes the substitution effect.
Home Decor has a debt-equity ratio of .54. The cost of equity is 15.7 percent, the pretax cost of debt is 6.8 percent, and the tax rate is 22 percent. What will be the cost of equity if the debt-equity ratio is revised to .65
If the debt-equity ratio is revised from 0.54 to 0.65, the cost of equity will be 11.95%.
Data and Calculations:
Debt-equity ratio = 0.54
Weight of equity = 0.46 (1 - 0.54)
Cost of equity = 15.7%
Pretax cost of debt = 6.8%
Tax rate = 22%
Post-tax cost of debt = 5.3% (6.8% (1 - 22%)
Revised debt-equity ratio = 0.65
Revised weight of equity = 0.35 (1 - 0.65)
Thus, if the cost of equity is 15.7% when equity ratio is 0.46, then the cost of equity will be 11.95% (15.7%/0.46 x 0.35) when the equity ratio revises to 0.35.
Learn more: https://brainly.com/question/25650869
The cost of equity would 16.43% if the debt equity is revised to 0.65
Solution
The debt equity ratio = 0.54
To get the cost of the debt post tax:
= 6.8%*(1-0.22)
= 0.068*0.78
= 0.05304
= 5.304%
Next we are to get the WACC
[tex]WACC= 15.7percent*\frac{1}{1+0.54} *5.304percent*\frac{0.54}{1+0.54}[/tex]
WACC = 0.157*0.6494+0.05304*0.3506
= 0.1205
= 12.05%
Since the Debt equity ratio is revised to 0.65 and WACC stays the same
We would have
[tex]12.05percent = Ke*\frac{1}{1+0.65} +5.304percent*\frac{0.65}{1+0.65}[/tex]
0.1205 = Ke*0.606+0.05304*0.3939
0.1205 = 0.606Ke + 0.02089
We collect like terms
0.1205-0.02089 = 0.606Ke
0.09961 = 0.606Ke
Ke = 0.1643
= 16.43 percent
The cost of equity would 16.43% if the debt equity is revised to 0.65
Read more on https://brainly.com/question/25760702?referrer=searchResults
Beginning inventory, purchases and sales data for T-shirts are as follows:
April 3 Inventory
24 units
$10
11 Purchase
26 units
$12
14 Sale
36 units
21 Purchase
18 units
SIS
25 Sale
20 units
Assuming the business maintains a periodic inventory system, calculate the ending inventory under FIFO:
Based on the First In; First Out method of inventory management, the ending inventory is $180.
FIFO means that the earlier stock is sold off first. This means that the sale on April 14 was based on the beginning inventory first and then the Purchase on the 11.
Stock on April 14:
= Beginning stock + Purchases - Sale
= 24 + 26 - 36
= 14 units at $12 each
Stock at 25th:
= Remaining April 11 purchases + April 21 Purchases - Sales
= 14 + 18 - 20
= 12 units at $15
Ending inventory:
= 7 x 12
= $180
In conclusion, closing inventory is $180.
Find out more at https://brainly.com/question/18761943.
can someone solve this case?
TIA
Answer:
a
Explanation:
If you fire Julio from his job after making one mistake but did not fire John for making the same mistake several times, you have committed an error related to which type of justice?
In this scenario, we have committed an error related to Procedural justice
Procedural justice refers to way of ensuring fair justice by making decisions according to fair processes to ensure fair treatment.
According to this justice rule, the same rule must be applied to similar scenario and must be impartial as well in order to ensure fair justice.
In conclusion, we have committed an error relating to procedural justice because the rule that was applied to Julio was not applied to John, therefore, there was a bias in justice.
Read more about this here
brainly.com/question/10925598
Culture clashes frequently happen when ________ within an organization interpret rules differently based on their levels within the organization
Based on sociological research study, culture clashes frequently happen when subcultures within an organization interpret rules differently based on their levels within the organization.
This is because subculture is a term that is used to describe a group of individuals within a large group, usually within an organization, who share the same characters such as problems and experience that is peculiar to them.
Culture clashes occur when this group of people with similar identity or functions interpret rules or objectives differently based on their statuses within the organization.
Hence, in this case, it is concluded that the correct answer is "Subculture."
Learn more here: https://brainly.com/question/14834768
. Discuss two to three limitations of referee reports
placed on management or organizations for job candidates. How do organizations cope
with this burden?
Answer:
The lack of awareness of the organizational culture and prejudices that can affect the recruiting and selection process
Explanation:
some limitations of reports from referees positioned in management or organizations for job seekers. The recruitment and selection process for applicants who would occupy critical positions in organizations should be led by the company's executives, who have more expertise and vision in identifying the suitable candidate.
The referee reports can have one or many limitation one of which is lack of thorough reference check of the onboarding and presently working candidates.
Lack of awareness about the information technology to rectify the security framework breach by the employee. Lack of human resource which can analyze the moral, educational, and career background of the onboarding candidate. Lack of awareness about crimes associated with jobs like white collar crimes and cyber crimes.The organizations cope up with the limitations in the following ways:
1. The organization can employee security and cyber experts to rectify all the doubts related to the on joining employee.
2. A legal team is required to check whether the on joining employee had a previous criminal link or was associated with crime.
Learn more about referee reports:
https://brainly.com/question/25684739
Make a list of information areas that the individuals who join foreign employment should know or understand.
Answer:
Country can get lots of foreign currency as the remittance which can be used to establish industries in the country. Such industries provide job opportunities in the country. People who went overseas to work can learn different skills and technologies which can be beneficial for the development of our own country. Foreign employment reduces the unemployment problem of a country. It may help to develop international relations with other countries because the country has to do labour contract with other countries and embassies has to be established there.
What would you do if you found out that you wrote a cheque of $78 but it was recorded as $98 in check register?
dont do anything because ur getting money
A manager must make a decision on shipping. There are two shippers: A and B. Both offer a two-day rate: A for $530, and B for $521. In addition, A offers a three-day rate of $466 and a nine-day rate of $417, and B offers a four-day rate of $459 and a seven-day rate of $432. Annual holding costs are 37 percent of unit price. Three hundred and twenty boxes are to be shipped, and each box has a price of $154. Which shipping alternative would you recommend
Answer:
C.
Explanation:I just took the test.
Give your opinions on this quote: To win a negotiation, you have to show you're willing to walk away. And the best way to show you're willing to walk away is to walk away (Michael Weston).
Answer:
The quote is pretty much true, and agreeable. If you want to win something, you gotta be able and willing to lose it. And the best way to show you're willing to do something? Do it.
Explanation:
^^
Discussion Questions
If someone owes you money, and that person or business goes into bankruptcy, why
would it make a difference if you were a secured or unsecured creditor?
>
o First define secured and unsecured creditor then explain.
A company failed to record unrealized gains of $37 million on its available for sale debt security investments. Its tax rate is 25%. As a result of this error, comprehensive income would be:
Answer:
Question #1
A company failed to record unrealized gains of $32 million on its available for sale security investments. Its tax rate is 35%. As a result of this error, comprehensive income would be:
a) Understated by $20.80 million
b) Overstated by $11.20million
c) Understated by $32.00 million
d) Unaffected
Question #2
A company failed to record unrealized gains of $21 million on its trading security investments. Its tax rate is 40%. As a result of this error, total shareholders' equity would be:
a) Understated by $12.60 million
b) Understated by $21.00 million
c) Understated by $8.40 million
d) Unaffected
PLEASE show me your entire work for full credit. Thanks!!
Firms that use Groupon to communicate their products are actively engaged in Multiple Choice viral marketing. advertising. product placement. infomercials. personal selling.
The term that describes what the Firms engage in by using Groupon to communicate their products is Advertising.
Advertising can be regarded as attempt to influence the buying behavior of customers as well as clients. It involves using means such as radio, television or internet to communicate about ones product to the consumer.
Therefore, advertising is correct term.
Learn more at:
brainly.com/question/25488988
You are planning to write your resume and take pride in your ability to describe your strengths. What do experts recommend when writing your resume? HELP ASAP
Both answers A and B
Write a clear strong statement of your accomplishment
Write a statement of your potential, talents, and current responsibilities
If your skill have been used in the past and will continue to be used
If a person is planning to write their resume and take pride in their strengths, it's advisable to write a clear strong statement of your accomplishments and a statement of their potential, talents, and current responsibilities.
A resume simply means a brief account of the personal, professional qualifications, educational qualifications, experience etc of a person.
It should be noted that when writing a resume, it's important to have a clear strong statement of your accomplishment as well as a statement of your potential, talents, and current responsibilities.
Read related link on:
https://brainly.com/question/25701897
what is meant by operational management?
While designing a management support system, it's important to remember that executives' main concern is _____.
The main concern of executives when designing a management support system (MSS) is b. getting the information they need in the simplest way.
A management support system provides managerial information resources to enable management to plan, make decisions, and manage the organizational activities to achieve goals.
Executives' main concern with the design of a management support system is not to:
Identify unquantifiable benefitsGet support from all employeesGet technically-advanced information.
Thus, the concern of executives during the design of a management support system is to get needed information most simply.
Learn more: https://brainly.com/question/20297199
A country needs to build new power plants to meet the increasing demand for electric power. One possibility is to build coal-fired power plants, which cost $1300 per kW to construct and have an efficiency of 38 percent. Another possibility is to build clean-burning Integrated Gasification Combined Cycle (IGCC) plants where the coal is subjected to heat and pressure to gasify it while removing sulfur and particulate matter from it. The gaseous coal is then burned in a gas turbine, and part of the waste heat from the exhaust gases is recovered to generate steam for the steam turbine. The construction of IGCC plants costs about $1500 per kW, but their efficiency is about 48 percent. The average heating value of the coal is about 28,000,000 kJ per ton (that is, 28,000,000 kJ of heat is released when 1 ton of coal is burned). If the IGCC plant is to recover its cost difference from fuel savings in five years, determine what the price of coal should be in $ per ton. Consider the power generation capacity to be 150,000 MW
The price of coal is 64.69 $ per ton.
From the question, the differences in their masses can be seen when you find the total energy spent, their given efficiencies, and their heating value, as described in the equation below:
m =mcoal - mIGGC
Note that, the total amount of energy (Etot) equals the given simple payback period (E. SPP)
= Etot ÷ qHV ((1÷ηcoal) - (1÷ηIGCC))
= E. SPP ÷ qHV ((1÷ηcoal) - (1÷ηIGCC))
The amount of money saved using the IGCC is:
ΔM = (MIGCC - Mcoal) E
So to determine what the unit price of coal should be, we must consider the money saved, and the mass difference
Munit = ΔM ÷ Δm
(MIGCC - Mcoal) E ÷ ((E. SPP ÷ qHV) (1÷ηcoal) - (1÷ηIGCC))
= qHV (MIGCC - Mcoal) ÷ spp ((1÷ηcoal) - (1÷ηIGCC))
The price of coal in $ per ton should be:
= 28 Х 10^6 (1500 - 1300) ÷ ( 5(1 ÷ 0.38) - (1 ÷ 0.48) x (365 x 24 x 60 x 60))
= 28,000 000 X 200 ÷ (5( 2.632 - 2.083) (31,536 000))
= 64.69 $ per ton
In a summary, the answer is 64.69 $ per ton.
Learn more here:
https://brainly.com/question/17237405
Confronting negative feelings shows weakness.
Please select the best answer from the choices provided
T
F
Answer:
It's False!! :)
Explanation: Don't get it from the guy at the top he's wrong unfortunately