If the variability of the returns on large-company stocks were to decrease over the long term, you would expect an increase in the average long-term rate of return as a result. A risk premium is an excess return over the risk-free rate. The correct option is B.
What is the rate of return on risk premium?Standard deviation is the spread of a set of data from its mean. The geometric average rate of return is the average rate of return that an investment earns over a given period of time.
Variability is a measure of the degree to which an investment's returns change over time. The more a given asset fluctuates in value, the greater its variability is. The risk premium is the excess return required by investors for taking on additional risk.
If the variability of the returns on large-company stocks were to decrease over the long term, you would expect an increase in the average long-term rate of return as a result.
By minimizing the uncertainty and variability in returns, this outcome improves investors' confidence and lowers the risk of long-term investment.
Therefore, the correct option is B.
Learn more about Variability on returns here:
https://brainly.com/question/29845611
#SPJ11
pay for performance is group of answer choices provider payment based on number of visits and services provided. provider payment based on patient rating of performance. provider payment based on meeting practice guidelines. provider payment based on curing or alleviating patient symptoms.
Pay for performance is a type of content-loaded payment system where providers are paid based on the number of visits, services provided, patient ratings, practice guidelines, and/or successful curing or alleviating of patient symptoms.
Pay for performance is a group of answer choices that consist of payment based on meeting practice guidelines, curing or alleviating patient symptoms, provider payment based on the patient rating of performance, and provider payment based on the number of visits and services provided.
Pay-for-performance (P4P) is a payment structure in which healthcare providers receive incentives for achieving or exceeding specific healthcare results, improving patient satisfaction, or meeting specific patient care goals or milestones.
Pay for performance is typically evaluated based on measurable data, such as hospital readmissions, improved patient outcomes, or meeting quality standards, to promote effective, high-quality patient care.
Learn more about Pay for performance here:
https://brainly.com/question/29556131
#SPJ11
When Claire purchased her new cell phone, she was offered an opportunity to purchase a car charger and a cover together at a reduced price. The cell phone provider was using a ________ strategy.A) product line pricingB) captive pricingC) price bundlingD) reference pricingE) prestige pricing
When Claire purchased her new cell phone, she was offered an opportunity to purchase a car charger and a cover together at a reduced price. The cell phone provider was using a price bundling strategy. (option C)
Price bundling is a pricing strategy where a company offers two or more products or services as a combined package at a reduced price, compared to the price of purchasing each item separately.
The purpose of price bundling is to encourage customers to purchase more items by offering a discount on the combined price. This strategy can help increase sales volume and customer loyalty.
In the given scenario, the cell phone provider is using a price bundling strategy by offering a car charger and a cover together at a reduced price with the purchase of a new cell phone. This approach is intended to encourage customers to purchase more products at a lower price, which could potentially increase the overall revenue of the cell phone provider.
Therefore, the correct answer is C) Price bundling.
Learn more about price bundling here:
https://brainly.com/question/23175408
#SPJ11
claritin, makers of allergy tablets, expanded its product line to include a chewable, fruit flavored allergy tablet, specifically designed to be easy for children to take. for this product, claritin is segmenting the market based on
Claritin is segmenting the market based on demographic variables, specifically age (children).
What is market segmentation ?Market segmentation is the process of dividing a larger market into smaller groups of consumers with similar needs, preferences, or characteristics. In this case, Claritin is targeting a specific demographic segment of the market, which is children who have allergies and may have difficulty taking traditional allergy tablets.
By creating a chewable, fruit-flavored tablet that is easier for children to take, Claritin is aiming to meet the unique needs and preferences of this specific demographic segment.
Find out more on market segmentation at https://brainly.com/question/14225381
#SPJ1
. Which of the following issues, discussed in the case, is covered by equal employment opportunity (EEO) laws?
Multiple Choice
sexual harassment
bullying
health care
on-the-job injuries
staffing
The correct option is A i.e., sexual harassment is one of the topics covered by equal employment opportunity (EEO) laws.
What exactly does employment equality entail?Some forms of job discrimination are forbidden in some workplaces by Equal Employment Opportunity (EEO) regulations. The Civil Rights Center and the Office of Federal Contract Compliance Programs are two departments under the U.S. Department of Labor (DOL) that deal with EEO enforcement and monitoring.
What is protected by the EEOC?You are protected from one category of discrimination by the EEOC: employment discrimination based on your race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, disability, age (40 years of age or older), or genetic information.
To know more about employment visit-
https://brainly.com/question/17459074
#SPJ1
What large trade organization covers licensed professionals, salons, and manufacturers and produces various large events, offers scholarships,
provides information, and offers free basic memberships?
A. American Association of Cosmetology
B.Professional Beauty Association
C.Skills USA
D.Federal Board of Cosmetology Professionals
The American Association of Cosmetology offers free basic memberships, covers licenced professionals, salons, and manufacturers, and organises a number of significant events.(option a)
What level of cosmetology education is highest?An associate degree, typically offered by private cosmetic school and community or technical institutions, is the highest hairdressing degree that is currently accessible. The ability to pursue a bachelor's degree inside a related profession, such as commerce or hospitality management, exists for people who already hold an associate in cosmetology. The applicant must hold a 10+2 diploma from an accredited institution. After completing high school and graduating, non-medical cosmetologists can enrol in a cosmetology diploma or certificate programme. It also offers scholarships, information, and provides informational materials.
To know more about cosmetologists visit:
https://brainly.com/question/30878665
#SPJ1
Data previously collected for purposes other than the one at hand are an important source of information as the researcher defines the problem. These data are called ______ data
These data are called secondary data.
Secondary data is data that has already been collected for another purpose and is now being used for a different purpose.
Secondary data is a valuable source of information because it provides an efficient and cost-effective way to get information without having to collect data from scratch.
Learn more about secondary data here:
https://brainly.com/question/20492915
#SPJ11
The value of a firm is derived using the firm's ---- rate and its ---- rate.
The value of a firm is derived using the firm's discount rate and its growth rate.
The discount rate is the rate at which future cash flows are discounted to their present value, while the growth rate is the rate at which future cash flows are expected to increase over time. The growth rate is a term used in business valuation that refers to the projected rate of increase of a company's earnings or revenue in the future.
In order to perform a financial valuation, an analyst must make predictions about future growth rates based on a company's history and other data sources.
The growth rate is a key factor in determining the value of a business. The rate at which earnings or revenue are projected to rise is known as the growth rate. The growth rate has an impact on the valuation of a company because it affects the level of future cash flows that will be generated by the firm.
This rate reflects the time value of money and the risk associated with an investment. A higher discount rate implies greater risk, which leads to lower valuations. Conversely, a lower discount rate implies lower risk, which leads to higher valuations
.The discount rate is used to calculate the net present value of a company's future cash flows. The net present value is the sum of the present values of all future cash flows that are expected to be generated by the business.
This value is an estimate of the total value of the business.
For more such questions on firm
https://brainly.com/question/28039495
#SPJ11
as cassette tapes became increasingly popular in the 1980s, larger 8-track tapes were no longer being advertised and were available in fewer stores. which stage of the product life cycle were 8-track tapes in when this happened? multiple choice question. growth decline introduction maturity
Answer:
8-track tapes were in the Decline stage of the product life cycle when they became less popular in the 1980s and were no longer being advertised and available in fewer stores.
Explanation:
As cassette tapes became increasingly popular in the 1980s, larger 8-track tapes were no longer being advertised and were available in fewer stores. The stage of the product life cycle that 8-track tapes were in when this happened is "decline."
A product life cycle can be defined as a series of stages a product goes through during its lifetime. Product life cycle stages are introductory, growth, maturity, and decline stages. These stages describe the stages a product goes through from the moment it is launched to the time when it is no longer being produced. The product life cycle is determined by a product's sales volumes and revenues over time, and it is separated into four stages: introduction, growth, maturity, and decline. When a product enters the decline stage of the product life cycle, sales volumes decline as customers become increasingly disinterested in the product, and it is no longer profitable for businesses to produce the product. It is at this stage that the product is no longer being advertised and is available in fewer stores. The correct answer is "decline."
Learn more about the product life cycle here:
https://brainly.com/app/ask?q=+product+life+cycle
#SPJ11
A project manager is using the net present value method to make the final decision on which project to undertake. The company has a 12% required rate of return and expects a 3% rate of inflation for the following four years. What is the NPV of a project that has cash flows as shown in the table? Year Cash Flow0 -$250,000 1 $50,000 2 $60,000 3 $70,000 4 $80,000 a. $9,762 b. $69,387 c. $98,780 d. $56,859
The correct answer is option B, $69,387.The net present value (NPV) method is a capital budgeting technique that uses the discounted cash flow approach to determine whether an investment or project is worth the cost.
To determine the NPV of a project, the project's expected future cash flows are discounted back to the present at the company's required rate of return. According to the question, the project manager is using the net present value method to make the final decision on which project to undertake. The company has a 12% required rate of return and expects a 3% rate of inflation for the following four years. Therefore, the rate to be used for discounting is 12% - 3% = 9%. The NPV of the project can be determined by calculating the present value (PV) of each cash flow and adding them up. The present value of each cash flow is calculated using the following formula: PV = CF / (1 + r)n where CF is the cash flow, r is the discount rate, and n is the number of years.The NPV of the project is the sum of the present values of all cash flows, which is: NVP = PV1 + PV2 + PV3 + PV4 - Initial Investment NVP = $45,872.48 + $50,260.53 + $53,979.20 + $57,594.20 - $250,000 NVP = $57,706.41 - $250,000 NVP = -$192,293.59 Since the NPV of the project is negative, the project should not be undertaken. The answer that is closest to the calculated NPV of the project is option B, $69,387, but it is not the correct answer. Therefore, there might be an error in the table of cash flows.
For more questions on capital budgeting
https://brainly.com/question/13719133
#SPJ11
What international organizations is the US part of?
The United States is a member of many international organizations, including the United Nations, World Trade Organization, North Atlantic Treaty Organization, Organization of American States, World Bank, International Monetary Fund, World Health Organization, and others.
The United Nations (UN) is a multilateral organization that promotes international cooperation and works to maintain global peace and security. The US is a permanent member of the UN Security Council, a 15-member body that has the power to make binding decisions on matters of international security.
The World Trade Organization (WTO) is an international organization that helps to liberalize and regulate global trade. The US is one of the founding members of the WTO and continues to play an active role in its decision-making.
The North Atlantic Treaty Organization (NATO) is an intergovernmental military alliance between 28 countries, of which the US is one of the founding members. NATO’s mission is to protect the security of its members by collectively responding to threats.
The Organization of American States (OAS) is a regional organization made up of all 35 independent countries in the Americas. The US is a founding member of the OAS and is an active participant in its discussions.
The World Bank and the International Monetary Fund (IMF) are international organizations that provide financial and technical assistance to countries for development. The US is a major contributor to the World Bank and IMF and has a significant influence over their decisions.
The World Health Organization (WHO) is an international organization that works to improve public health, promote medical research, and provide technical assistance to countries. The US is one of the founding members of the WHO and is a major donor to the organization.
For more question on "United States" :
https://brainly.com/question/28806805
#SPJ11
one of the major predictions of the rothschild-stiglitz model is a positive correlation between risk and insurance coverage. this has never been observed in practice due to the confounding influence of moral hazard.
One of the major predictions of the Rothschild-Stiglitz model is a positive correlation between risk and insurance coverage. However, this has never been observed in practice due to the confounding influence of moral hazard.
What is the Rothschild-Stiglitz model?The Rothschild-Stiglitz model is a statistical theory that aims to predict individual behavior and insurance plan behavior. The model was proposed by Michael Rothschild and Joseph Stiglitz in 1976 and describes the connection between an individual's chance of a loss and their insurance coverage's depth and price.
What is moral hazard?Moral hazard is a situation in which an individual has an incentive to conduct or pursue riskier behavior because the cost of doing so will be borne by others.
In insurance, moral hazard occurs when the insured person has a high-risk activity that they want to undertake, but they are protected by an insurance policy that will cover the cost if anything goes wrong.
The major predictions of the Rothschild-Stiglitz model are:
High-risk people are more likely to purchase full coverage, and low-risk people are more likely to purchase low coverage.There is a positive correlation between risk and the amount of insurance coverage.Higher-risk activities have a higher insurance rate due to greater expected losses.In practice, the positive correlation between risk and insurance coverage has never been observed due to the confounding effect of moral hazard.To learn more about moral hazard, refer below:
https://brainly.com/question/30886828
#SPJ11
4 pieces of information do you need to set up sales tax for a client who only does business in their home state?
Four pieces of information are necessary, 1), you need to identify the state in which the client is conducting business. 2), you need to determine if the client is registered to collect sales tax in the state. 3), you need to identify what items client is selling 4) you need to know the rate of sales tax that is applicable for the items and services.
This is important as it will determine which state sales tax rates are applicable. It is important to note that each state has its own sales tax laws and regulations and there can be a range of rates and exemptions depending on the state and the items and services being sold.
For example, some states exempt certain items from sales tax, while others may have multiple sales tax rates for different categories of goods and services. Therefore, it is important to understand the sales tax laws for the applicable state before setting up sales tax for a client.
Know more about sales tax here:
https://brainly.com/question/29442509
#SPJ11
Operational or transaction databases are product oriented, handling transactions that update the database. In contrast, data warehouses are
A) product-oriented and volatile.
B) subject-oriented and nonvolatile.
C) subject-oriented and volatile.
D) product-oriented and nonvolatile
The correct answer is option B) subject-oriented and nonvolatile. What are Operational Databases? Operational databases refer to databases that are frequently updated in real-time.
It is a database that has undergone various modifications and updates throughout its existence. The main use of operational databases is for running applications and providing services to people. The primary focus of an operational database is to capture data from daily business operations.Types of Operational DatabasesTransactional databases are one of the most prevalent types of operational databases. This is the database that is utilized to store transactional information, and it is structured to ensure that transactions are consistent and accurate.Other types of operational databases include analytical databases, distributed databases, and centralized databases, and so on.What are Data Warehouses?A data warehouse is a repository of data used to support the management's decision-making process. It gathers, organizes, and maintains data from various sources for analysis and querying. It enables the data to be structured, and it is a central source of data for any organization. Because data warehouses only read data, they are non-volatile. Data warehouses concentrate on the present and historical data to provide more knowledge into current patterns and long-term trends. Data Warehouses are subject-oriented and provide a consolidated view of data gathered from numerous databases. Therefore, the answer to this question is B) subject-oriented and nonvolatile.
Read more about databases herehttps://brainly.com/question/518894:
#SPJ11
Why forecast exchange rates Consider Franco Co, the parent of a US-based multinational corporation (MNC) that uses forecasted exchange rates to assist with various business functions. Suppose that Franco Co is considering issuing bonds to raise funds. The company is considering denominating those bonds in Japanese Yen. Franco Co uses the forecasted value of the yen to make this decision. decisions, with the goal of improving the This is an example of using exchange rate forecasting to assist with capital budgeting value of the MNC via influencing the dollar value of foreign cash flows California Co must pay 5 million Mexican pesos by tomorrow, in exchange for supplies that it has agreed to purchase from a supplier in Mexico. The peso depreciated today against the dollar by 5 percent. Using time series data of past currency fluctuations, California observes whenever the peso depreciates against the dollar by more than 1 percent, then the peso tends to depreciate again by about 60 percent of the initial change. Given the results of the forecasting by California Co, the firm will most likely decide to
By forecasting exchange rates, companies can make better-informed decisions and increase the value of the MNC.
The question asks why forecast exchange rates are considered. Forecasted exchange rates are used to assist with various business functions, such as denominating bonds to raise funds, capital budgeting decisions, and to influence the dollar value of foreign cash flows.
An example of this is when California Co must pay 5 million Mexican pesos in exchange for supplies. Time series data of past currency fluctuations are used to predict when the peso depreciates against the dollar by more than 1 percent, as it has a tendency to depreciate again by about 60 percent of the initial change.
Thus, by forecasting exchange rates, companies can make better-informed decisions and increase the value of the MNC.
Learn more about forecasting of exchange rates: brainly.com/question/29222915
#SPJ11
the announcement of a dividend increase by a growth company may have what impact? group of answer choices increase in price due to expectation of increased cash flow. drop in price from higher shareholder scrutiny. increase in price due to enhanced growth rate. drop in price due to lower perceived growth opportunities.
The announcement of a dividend increase by a growth company may have the impact of an increase in price due to the expectation of increased cash flow. Hence option A. is correct.
What is Dividend?Dividend is defined as the amount of profit that the company distributes to its shareholders, out of the total profits earned by the company.
Dividends can either be cash or stock dividends. It is usually paid out in proportion to the number of shares held by the shareholders. The payment of dividends is not an obligation, but rather it is up to the discretion of the management of the company.
Dividends are announced at the end of the financial year of the company, and they are paid out after approval from the shareholders.
When a company announces an increase in dividend, it indicates that the company is profitable and has strong cash flow. This is viewed positively by the investors, and as a result, the price of the company's shares may increase.
Hence, an increase in dividend may be seen as a sign of growth opportunities. Therefore, option A. increase in price due to expectation of increased cash flow is correct.
Learn more about dividend here:
brainly.com/question/2960815
#SPJ11
a technological improvement causes steel production to increase. as a result steel market prices fall from $300 per ton to $150 per ton. consequently, weekly light-truck steel frame production by ccnt technologies increases from 250 to 275 units. using the arc method (or midpoint formula) what is the cross-price elasticity of supply for light-truck steel frames?
The cross-price elasticity of supply for light-truck steel frames is 0.1. The cross-price elasticity depends upon factors like quantity supplied and prices both initial and final of steel frames.
This formula is: Ep = (Change in Quantity Supplied / Average of Initial and Final Quantity Supplied) / (Change in Price / Average of Initial and Final Price). Using the given information, the cross-price elasticity of supply for light-truck steel frames is calculated as follows:
Ep = (275 - 250 / (275 + 250) / (150 - 300 / (150 + 300) = 0.1
This means that a technological improvement causing steel production to increase and market prices to fall from $300 per ton to $150 per ton, has resulted in a weekly light-truck steel frame production by CCNT Technologies increasing from 250 to 275 units.
Know more about cross-price elasticity here:
https://brainly.com/question/21497072
#SPJ11
which of would indicate a contractual relationship between a producer and an insurance company?
A Producer Agreement would indicate a contractual relationship between a producer and an insurance company.
A Producer Agreement is a legally binding document that outlines the expectations and rights of both parties and is the foundation for their business relationship.
It typically includes information such as the producer's scope of services, compensation for the services, duties of the parties, terms of confidentiality, dispute resolution and termination clauses. It also includes details about the company's products and services, risk management considerations, and compliance requirements.
The agreement also includes terms for indemnification of the producer and may include other legal provisions. The producer and the insurance company must agree to the terms of the agreement and sign it to create a legally enforceable contract.
To know more about Agreement click on below link:
https://brainly.com/question/8808185#
#SPJ11
which of the following policies are consistent with the goal of increasing productivity and growth in developing countries? check all that apply. 1. Protecting property rights and enforcing contracts.
2. Pursuing inward-oriented policies.
3. Increasing taxes on income from savings.
4. Imposing restrictions on foreign ownership of domestic capital.
5. Rapid population growth that lowers the stock of capital per worker.
6. The emigration of highly skilled workers to rich countries.
7. Rapid population growth that increases the burden on the educational system.
The goal of increasing productivity and growth in developing countries can be achieved by protecting property rights and enforcing contracts, as well as by encouraging foreign direct investment and international trade.
These policies can help to create an environment conducive to investment and business activity, allowing developing countries to grow and develop their economies.
However, policies such as the emigration of highly skilled workers to rich countries and rapid population growth that increases the burden on the educational system are not consistent with the goal of increasing productivity and growth in developing countries. Emigration of skilled workers takes away vital resources and can create a brain drain, while rapid population growth can lead to overcrowding, decreased quality of life, and an overwhelmed educational system.
Overall, in order to increase productivity and growth in developing countries, policies should focus on strengthening the rule of law and improving access to foreign direct investment, international trade, and technological resources.
Learn more about policies for increasing productivity and growth in developing countries:https://brainly.com/question/15350006
#SPJ11
GDP can be calculated by adding:Select one:a. consumption, gross investment, government purchases, exports, and imports Incorrectb. gross investment, government purchases, consumption, and net exportsc. consumption, net investment, wages, and rentsd. consumption, gross investment, government purchases, and importse. consumption, gross investment, government purchases, and exports
The correct answer is (b). GDP can be calculated by adding gross investment, government purchases, consumption, and net exports.
Gross Domestic Product (GDP) refers to the total value of goods and services produced by a country in a given period of time.
It is used to assess the economy's strength and growth rate. Consumption, gross investment, government purchases, and net exports are the four components used to calculate GDP.
GDP can be calculated using the following equation: GDP = C + I + G + NX
Where: C is consumption, I is gross investment, G is government purchases, NX is net exports.
To calculate GDP, we sum the total consumption (C), gross investment (I), government purchases (G), and net exports (NX). All four of these components must be included in the GDP calculation.
The correct answer to the given question is option b: gross investment, government purchases, consumption, and net exports.
To know more about gross investment, refer here:
https://brainly.com/question/17252319#
#SPJ11
Tioga Company manufactures sophisticated lenses and mirrors used in large optical telescopes. The company is now preparing its annual profit plan. As part of its analysis of the profitability of individual products, the controller estimates the amount of overhead that should be allocated to the individual product lines from the following information.Lenses Mirrors Units produced 22 22 Material moves per product line 17 7 Direct-labor hours per unit 230 230 The total budgeted material-handling cost is $71,720.
Required:
1. Under a costing system that allocates overhead on the basis of direct-labor hours, the material-handling costs allocated to one lens would be what amount?
2. Under a costing system that allocates overhead on the basis of direct-labor hours, the material-handling costs allocated to one mirror would be what amount?
3. Under activity-based costing (ABC), the material-handling costs allocated to one lens would be what amount? The cost driver for the material-handling activity is the number of material moves.
4. Under activity-based costing (ABC), the material-handling costs allocated to one mirror would be what amount? The cost driver for the material-handling activity is the number of material moves.
Under a costing system that allocates overhead on the basis of direct-labor hours, the material-handling costs allocated to one lens would be:
First, we need to calculate the total direct labor hours for producing 22 lenses:
22 lenses x 230 direct-labor hours per unit = 5,060 total direct-labor hours
Next, we can use the direct-labor hours as the cost driver to allocate the material-handling cost:
Material-handling cost per direct-labor hour = $71,720 total material-handling cost / 5,060 total direct-labor hours
Material-handling cost per direct-labor hour = $14.16 per direct-labor hour
Finally, we can allocate the material-handling cost to one lens:
Material-handling cost per lens = $14.16 per direct-labor hour x 230 direct-labor hours per lens
Material-handling cost per lens = $3,254.80
Under a costing system that allocates overhead on the basis of direct-labor hours, the material-handling costs allocated to one mirror would be:
Using the same approach as in question 1, we can calculate the material-handling cost allocated to one mirror:
Material-handling cost per mirror = $14.16 per direct-labor hour x 230 direct-labor hours per mirror
Material-handling cost per mirror = $3,254.80
Under activity-based costing (ABC), the material-handling costs allocated to one lens would be:
The cost driver for the material-handling activity is the number of material moves. From the information given, we know that 22 lenses require 17 material moves each, for a total of 374 material moves:
22 lenses x 17 material moves per lens = 374 total material moves
The cost per material move can be calculated as:
Cost per material move = $71,720 total material-handling cost / 374 total material moves
Cost per material move = $191.73 per material move
Finally, we can allocate the material-handling cost to one lens:
Material-handling cost per lens = $191.73 per material move x 17 material moves per lens
Material-handling cost per lens = $3,257.41
Under activity-based costing (ABC), the material-handling costs allocated to one mirror would be calculated in the same way:
Material moves per product line for mirrors = 7 moves
Total material moves for mirrors = 22 units x 7 moves = 154 moves
Overhead rate per material move = Budgeted material-handling cost / Total material moves = $71,720 / 154 moves = $465.84 per move
Material-handling costs allocated to one mirror = Material moves per product line x Overhead rate per material move = 7 moves x $465.84 per move = $3,260.88
Therefore, the material-handling costs allocated to one mirror under ABC would be $3,260.88.
To know more costing system, visit: brainly.com/question/13450769
#SPJ4
which of the following is a non-deposit financial institution? a savings and loan association b mutual savings bank c credit union d life insurance company
A life insurance company is a non-deposit financial institution. The answer is option d. life insurance company.
Financial institutions are organizations that provide financial services to consumers, businesses, and governments. Depository and non-depository financial institutions are two types of financial institutions. There are two categories of financial institutions: deposit-taking institutions and non-deposit-taking institutions.
Depository institutions are banks and credit unions that accept deposits from customers and use them to create loans and earn money. Non-depository institutions, on the other hand, do not collect deposits. Insurance companies, investment companies, brokerage firms, and mortgage companies are examples of non-depository institutions. Life insurance company is a non-deposit financial institution.
Life insurance is a financial product that pays out a sum of money to a beneficiary when the insured person dies. The life insurance industry is regulated by state insurance departments, which oversee the financial solvency of insurance firms and ensure that they follow the terms of their policies.
Learn more about financial institution here: brainly.com/question/13442420
#SPJ11
demand is the demand for a good or service that reflects both the private and external benefits of its consumption.
The demand for a good or service that reflects both the private and external benefits of its consumption, Social Demand
Social demand refers to the total demand for a good or service in a particular market, which includes both the private demand and externalities associated with its consumption. Private demand refers to the quantity of a good or service that individuals and firms are willing and able to purchase at a given price. Externalities, on the other hand, refer to the costs or benefits that are incurred by third parties as a result of the consumption of the good or service.
For example, the social demand for renewable energy sources like solar and wind power includes not only the private demand from households and businesses that use these energy sources, but also the positive externalities associated with reducing greenhouse gas emissions and mitigating climate change.
Learn more about Social Demand
https://brainly.com/question/30002815
#SPJ4
which approach to analysis of trade deficits indicates that in the absence of excess capacity in the economy, currency devaluation provides only a temporary improvement in a country's trade deficit, and that long-term improvement requires either a smaller fiscal deficit or a larger excess of domestic savings over domestic investment?
Approach to analysis of trade deficits is: The J-curve approach.
This analysis of trade deficits indicates that in the absence of excess capacity in the economy, currency devaluation provides only a temporary improvement in a country's trade deficit, and that long-term improvement requires either a smaller fiscal deficit or a larger excess of domestic savings over domestic investment.
The J-curve approach to analysis of trade deficits suggests that when a country devalues its currency, the nation’s trade deficit tends to worsen before it improves. This is because the cost of imported goods initially rises and the cost of exported goods initially falls.
However, if the devaluation is successful, then over time, exports become more competitive and imports become less competitive, leading to a decrease in the nation’s trade deficit. In order for this to happen in the long-term, the country must also have a smaller fiscal deficit or a larger excess of domestic savings over domestic investment.
To know more about trade deficits, refer here:
https://brainly.com/question/30077255#
#SPJ11
Bob works in a mid-sized organization with other skilled workers who all pitch in to do what needs to be done to satisfy the customer. It is likely Bob works in a ________ organization.
decentralized
Bob works in a mid-sized organization with other skilled workers who all pitch in to do what needs to be done to satisfy the customer. It is likely Bob works in a decentralized organization, meaning that decisions and tasks are distributed among all members of the organization.
What is a Decentralized organization?
A decentralized organization is a company structure in which decision-making authority is delegated to lower-level managers and employees instead of being concentrated at the top. Decision-making power is distributed throughout the organization in a decentralized organization, rather than being controlled by a small group of executives. It gives managers greater authority and freedom to make their own choices.
Lower-level managers are better positioned to make informed decisions since they are closer to the situations and issues. In addition, decentralized organizations can be more adaptable and flexible because they can react more quickly to changing market conditions.
learn more about Decentralized organizations here:
https://brainly.com/question/16003234
#SPJ11
european pastries has an isurable loss of 82,500, while having insurance coverage beyond coinsurance reuirements. the insurance is divided between company a with $125,000 coverage, company b with $100,000 coverage, and company c with 175,000 coverage. find the amount of loss paid by each of the insurance companies
The amount of loss paid by each insurance companies is that Company A will pay $29,464.29, Company B will pay $23,571.43, and Company C will pay $29,464.29.
European Pastries has an insurable loss of $82,500, with insurance coverage beyond coinsurance requirements. The insurance is divided between company A with $125,000 coverage, company B with $100,000 coverage, and company C with $175,000 coverage.
The amount of loss paid by each of the insurance companies is given below:
Calculation of insurance coverage ratios:Company A = 125,000 / (125,000 + 100,000 + 175,000) = 0.3571
Company B = 100,000 / (125,000 + 100,000 + 175,000) = 0.2857
Company C = 175,000 / (125,000 + 100,000 + 175,000) = 0.3571
Calculation of insurance coverage amountsCompany A = 0.3571 * $82,500 = $29,464.29
Company B = 0.2857 * $82,500 = $23,571.43
Company C = 0.3571 * $82,500 = $29,464.29
Therefore, the amount of loss paid by each of the insurance companies is as follows: Company A: $29,464.29, Company B: $23,571.43, Company C: $29,464.29.
Learn more about Insurable loss:
https://brainly.com/question/30592253
#SPJ11
· What is a destination contract and when does risk of loss pass?
A destination contract is an agreement between two parties in which the seller agrees to deliver a good or service to a specific location. The risk of loss passes to the buyer at the agreed-upon destination, meaning the buyer is responsible for any losses or damages that occur after the goods have been delivered. In most cases, the seller is responsible for any losses or damages that occur before delivery.
For example, if the seller agrees to deliver a shipment of goods to the buyer’s warehouse, the seller will be liable for any damages or losses that occur during transit. Once the shipment arrives at the warehouse, the risk of loss passes to the buyer, who is responsible for any damages or losses that occur after delivery.
In a destination contract, the parties can also agree on who is responsible for the risk of loss in certain scenarios. For instance, the buyer may agree to assume the risk of loss in the event of theft, fire, or other losses that may occur after delivery.
Overall, destination contracts are used to clarify the responsibilities of each party for any losses or damages that may occur during or after delivery of a good or service.
For more such questions on risk
https://brainly.com/question/14987050
#SPJ11
In general, developers must get a construction loan before they can line up permanent (long-term) financing that will be used once the project is complete and being operated with tenants. (T/F)
In general, developers must get a construction loan before they can line up permanent (long-term) financing that will be used once the project is complete and operated with tenants. This statement is true.
What is a construction loan? A construction loan is a form of bank or another lender financing that assists in the construction of a new home or another type of real estate project. The lender will generally pay out the funds to the builder or contractor in tranches as the work progresses. When the work is completed, the loan is then repaid by the borrower via a new, more permanent loan that covers the property's entire value.
There are various forms of loans available in the market that can be used to finance your dream house; however, a construction loan is a special type of loan that is used for the construction of a new property. Once the project has been completed and the property has been occupied by tenants, the construction loan is replaced by a long-term, permanent financing arrangement that will cover the entire value of the property.
To learn more about “loans” refer to the https://brainly.com/question/20688650
#SPJ11
which of the shifts explains what would happen to the production possibility curve if improved technologies increased the production of prekindergarten (pre-k) toys by 25 percent and the production of children's toys by 50 percent?
Shift III explains what would happen to the production possibility curve if improved technologies increased the production of prekindergarten (pre-k) toys by 25 percent and the production of children's toys by 50%.
Shift III refers to an increase in both the production of pre-K toys and children's toys due to improved technologies, which leads to an outward shift of the production possibility curve. This means that with the same amount of resources, more toys can be produced than before. The increase in pre-K toys production by 25% and children's toys by 50% indicates that the economy has become more efficient in utilizing its resources, enabling it to produce more goods and services.
The shift in the production possibility curve represents an increase in the economy's potential output, which can lead to economic growth and increased standards of living for individuals.
Learn more about production possibility curve https://brainly.com/question/26460726
#SPJ11
calculate the average weekly contribution margin before taxes (revenues - variable costs) to abc in 2011. ignore labor and facility costs in this calculation. we assume that they are fixed. how does the contribution margin compare with the weekly depreciation? g
The average weekly contribution margin before taxes for ABC in 2011 is (Revenues - Variable Costs).
We are ignoring labor and facility costs in this calculation as we assume that they are fixed.
The average weekly contribution margin before taxes for ABC in 2011 is $xxx.
To calculate the average weekly contribution margin before taxes for ABC in 2011, we need to subtract variable costs from total revenues. We are ignoring labor and facility costs in this calculation as we assume that they are fixed.
The resulting contribution margin will be compared with the weekly depreciation. The comparison will provide insight into the financial health of ABC in 2011.
To know more about contribution margin click on below link:
https://brainly.com/question/15186113#
#SPJ11
Assunve that barber shops operate in perfectly competh product and factor markets. Which of the follow g will happen to working barbers if the price of haireus decreases? (A) The marginal pre uct of the last barber hired (B) The marginal product ,the last barber hired (C) The marginal revenue produc curve will shift (D) The marginal revenue product cur will shift (E) There will be a movement upward along will not change. will decrease. to the right. to the left. the marginal revenue curve.
The answer is option C. The marginal revenue product (MRP) curve represents the additional revenue generated by each additional unit of input used, all other things being equal.
Assuming that barber shops operate in perfectly competitive product and factor markets, if the price of haircuts decreases, the marginal revenue product curve will shift. It indicates how much the firm should pay for the input in order to maximize profits. The marginal product of labor (MPL) is the increase in output that results from an additional unit of labor. When MPL > W/P, the firm hires more workers.
Learn more about barber shops here:https://brainly.com/question/30263495
#SPJ11