what is the purpose of long term disability insurance?

Answers

Answer 1

To provide financial support if person cannot work.


Related Questions

what is the name of the department store where buddy works in elf?

Answers

Answer:

The name of the department store where buddy works in elf is called Gimbels.

If an individual completes 300 hours of classroom instruction, including the USPAP course and a 30-hour course in the principals of capitalization, and totals 30 months and 3,000 hours of experience under a Certified Appraiser, that individual may become A) a Certified General Appraiser. B) a Certified Residential Appraiser. C) a Licensed Appraiser. D) a Certified Industrial Appraiser.

Answers

An individual may become a Certified General Appraiser when he completes the 300 hours of classroom instruction including required course and experience under a Certified Appraiser.

The status of Certified General Appraiser is the highest level of appraiser certification.

Hence, any individual can become a Certified General Appraiser when he completes the 300 hours of classroom instruction including required course and experience under a Certified Appraiser.

Therefore, the Option A is correct.

Read more about Appraiser

brainly.com/question/25303980

northern city bank keeps no excess reserves. assume northern city bank receives a deposit of $50 million dollars. as a result of the deposit, northern city bank’s required reserves increase by $10 million. what is the maximum possible change in the money supply in the banking system that could result from the $50 million deposit?

Answers

The maximum possible change in the money supply is $250 million.

The change in required reserves when an amount of money is deposited in a bank is determined by the reserve requirement.

Reserve requirement = increase in required reserves / amount deposited

$10 million / $50 million = 0.20 = 20%

The change in money supply can be determined using this formula:

Amount deposited / reserve requirement

$50 million / 20%

$50 million / 0.2 = $250 million

For more information, please check: https://brainly.com/question/25757631

how to calculate return on common stockholders equity

Answers

It is calculated by dividing earnings after taxes (EAT) by equity in common shares, with the result multiplied by 100%. The higher the percentage, the greater the return shareholders are seeing on their investment.

Due to mismanagement, Pakistan Steel Mills is currently over levered with a debt to capital ratio of 80% and a pre-tax cost of debt of 8%. Management of Pakistan Steel Mills is considering a restructuring that will reduce the company's debt to capital ratio to 40% and its pre-tax cost of debt to 6%.
Current:
Debt/(Debt+Equity) = 80%
Cost of Debt (pre-tax) = 8%
Cost of Equity = 24.10%

Recapitalised:
Debt/(Debt+Equity) = 40%
Cost of Debt (pre-tax) = 6%
Cost of Equity = ?

If the marginal tax rate is 25%, the risk-free rate is 2.5%, and the equity risk premium is 6%, estimate the cost of capital after the restructuring.

Answers

The estimated cost of capital after the restructuring is 10.82%.

Using the MM Proposition II with taxes, we need to first calculate the Cost of unlevered equity;

Cost of unlevered equity = (Cost of levered equity+cost of debt*D/E*(1-tax rate))/(1+D/E*(1-tax rate))

Cost of unlevered equity = (24.10% + 8%*80%/20%*(1-25%)) / (1+80%/20%*(1-25%))

Cost of unlevered equity = 12.03

Cost of levered equity = Cost of unlevered equity + (Cost of unlevered equity-Cost of debt)*D/E*(1-tax rate)

Cost of levered equity = 12.03% + (12.0250%-6%)*40%/60%*(1-25%)

Cost of levered equity = 15.04%

Cost of capital (WACC) =40%*6%*(1-25%)+60%*15.0375%

Cost of capital (WACC) = 0.018 + 0.090225

Cost of capital (WACC) = 0.108225

Cost of capital (WACC) = 10.82%

In conclusion, the estimated cost of capital after the restructuring is 10.82%.

Read more about cost of capital

brainly.com/question/25566972

Using the following prices, calculate the unit price to determine how much it would cost for 7 muffins and 14 juice boxes. $7. 74 for 6 muffins $5. 52 for 8 juice boxes a. $18. 69 b. $19. 89 c. $21. 91 d. $26. 52 Please select the best answer from the choices provided A B C D.

Answers

Answer: a

Explanation:

when some resources used in production are only available in limited quantities, it is likely that the long-run supply curve in a competitive market is

Answers

Answer:  The correct option therefore is > upward sloping

Explanation:

When resources are limited in quantity, the cost of production would increase. Hence, in the long run, the supply curve will be upward sloping.

why does global trade take place?

Answers

Answer:

because one country enjoys a comparative advantage in the production of a certain good or service.

Explanation:

pls give me brainliest

Select the correct answer.
What type of curve results from plotting the market price of a commodity and the quantity required by consumers?
O A downward-sloping curve
O B. upward-sloping curve
OC. supply curve
OD
self-intersecting curve

Answers

Answer:

The answer is A

Explanation:

The downward sloping curve is a graphical representation depicting the relationship between a commodity's different price levels and quantities which consumers are willing to buy.

the answer is B upwarddd-sloping urge

If Congress lowered taxes, then the FED would

Answers

Answer: A decrease in taxes has the opposite effect on income, demand, and GDP. It will boost all three, which is why people cry out for a tax cut when the economy is sluggish. When the government decreases taxes, disposable income increases. That translates to higher demand (spending) and increased production (GDP).

A savings account is a good choice for:
A. a high return on your investment.
B. retirement planning.
C. when you need easy access to your funds. .
о
D. basic savings and as an emergency fund.

Answers

Answer:

B. Basic savings and as an emergency fund

Explanation:


What is the main advantage of having a skill set with a high market value?
A. Workers are more productive per hour using those skills.
B. Employers are willing to pay more for those skills.
C. Worker organizations have a major need for those skills.
D. There are fewer regulations restricting those skills.

Answers

B. Employers are willing to pay more for those skills.

Possible careers related to my results that appeal to me most include:

Answers

Explanation:

ummmmn I don't get this lol

The extended warranty on a ceiling fan is 18% of the purchase price. If the price of the fan is $140, how much is the warranty? a. $7. 78 b. $25. 20 c. $18. 72 d. $12. 86.

Answers

Answer:

holi es la l D hojala te pueda ayudar con todo corazón

Gareth bought a home for $135,000. The home gained 2. 2% in value every year for eight years until Gareth sold it. How much profit did Gareth make, to the nearest hundred dollars? a. $60,700 b. $25,700 c. $23,800 d. $29,100.

Answers

The amount of profit made by Gareth upon the sale of the home is $26,700.

Computation:

Given,

[tex]P[/tex] = Principal Amount of $135,000

[tex]i[/tex] = interest rate of 2.20%

[tex]n[/tex] =number of years are 8 years

First, the value of the home at the end of the 8th year will be computed by using the formula of future value.

[tex]\begin{aligned}\text{Future Value}&=P\times(1+i)^n\\&=\$135,000\times(1+0.022)^8\\&=\$160,672.27\end{aligned}[/tex]

Now, the profit will be computed by taking the difference of the future value of the home and the purchase price or the principal amount of the home.

[tex]\begin{aligned}\text{Profit}&=\text{Future Value\;-\;Principal Amount}\\&=\$160,672.27-\$135,000\\&=\$25,672.27\;\text{or}\;\$25,700\end{aligned}[/tex]

Therefore, at the time of sale of the home, the amount of profit gained by Gareth is $25,700.

To know more about future value, refer to the link:

https://brainly.com/question/1759639

Answer:

b. $25,700

Explanation:

got it right

According to the law governing mortgage loan brokers, what is the maximum commission Broker Claire can charge for securing a $50,000 first mortgage for a period of 2 years

Answers

The maximum commission that Broker Claire can charge for securing a $50,000 first mortgage is $2,500.

Basically, a broker is entitled to a commission as a compensation.

The law governing mortgage loan brokers states that the maximum commissions for loans of a period of 2 years is 5% of the principal of a loan of less than 3 years.

Since the broker secure a $50,000 first mortgage.

Commission = $50,000 * 5%

Commission = $2,500

In conclusion, the maximum commission that Broker Claire can charge for securing a $50,000 first mortgage is $2,500.

Read more about Commission

brainly.com/question/957886

Considering the rules and regulations, the maximum commission Broker Claire can charge for securing a $50,000 first mortgage for a period of 2 years is $700.00.

This is based on Article 7 of the Mortgage Loan Broker rule and regulation.

The Article 7 stated among the thing that for first loans, the maximum commissions is a 5 percent of the principal of a loan of less than 3 years.

However since there is also a caveat which says the charges made to a borrower cannot exceed 5% of the loan or $390.00, whichever is greater, to a maximum of $700.00.

Therefore, since 5 percent of $50,000 is $2,500, therefore, the maximum commission is $700.

Hence, in this case, it is concluded that the correct answer is $700.

Learn more about the Loans commission here: https://brainly.com/question/9636559

Which of the following is something a "smart pick list" does NOT help pickers do?pick materials based on order of deliverypick materials based on due datephysically lift heavy itemspick materials using a pre-programmed, efficient route

Answers

Answer:

physically lift heavy items

Explanation:

pick materials based on order of delivery (that makes sense so you know when everything comes in)

pick materials based on due date (that makes sense so you how to plan and order everything to line up right)

pick materials using a pre-programmed, efficient route (that makes sense so you have a guide! You won't have to stress this way and it's seems simple.)

physically lift heavy items (that doesn't makes sense if they're heavy you'll be wasting your time fighting up with it. Have people help do that.)

Suppose you are a purchase manager who is the contract administrator for a major consulting firm installing a major enterprise resource planning system such as SAP or Oracle. What are some of the key elements that you would wish to include in the contract with the consulting company implementing this system?

Answers

The key elements that should be included in the contract include the right to work independently, and the avoidance of liability.

It should be noted that enterprise resource planning is important as it helps a firm manage and integrate the vital parts of the activities in the business.

From the complete information, the elements that should be included in the contract with the consulting company implementing this system include the right to work independently, and the avoidance of liability.

Learn more about contracts on:

https://brainly.com/question/5746834

true or false? you should revisit your kpis every 18 months.

Answers

Answer:

false

have a nice day!!!

match each hypothetical country’s aging structure to its most likely economic situation.

Answers

It should be noted that the aging structure data is important as it allows the rate of growth to be associated with the population in a country.

Your information is incomplete. Therefore, an overview of the topic will be given. There are typically three age structures which are:

The children who are under 15 years old.The working-age who are between 15 - 64 years.The elderly ones who are 65 years and older.

It should be noted that an aging population lower the labor-force participation and slows down economic development in the country.

Learn more about aging population on:

https://brainly.com/question/14540910

Shaquil receives total employee benefits that are 13. 5% of his gross annual pay. If Shaquil has a gross annual pay of $40,000, how much in total employee benefits does he receive? a. $5. 40 b. $54. 00 c. $540. 00 d. $5,400. 0.

Answers

The annual total employee benefits that are received by Shaquil are $5400 during the course of an entire year's salary. So the correct option matching the quoted statements is D.

The calculation of the total employee benefits derived are simple, as all such benefits are to be summed up in total by putting the values given under the summation.

Calculation of employee benefits

The annual total employee can be calculated by using the formula for the same as given below,

[tex]\rm Total\ annual\ employee\ benefits= Annual\ Salary\ x\ Percentage\ of\ Benefits\ Received[/tex]

We have been given the information that the employee benefits derived are as 13.5%. Now we put the values given in the formula assuming that the salary $40000 remains constant.

[tex]\rm Total\ Annual\ Employee\ Benefits= \$40000\ x\ 0.135\\\\\\\rm Total\ Annual\ Employee\ Benefits= \$5400[/tex]

So we get the values that the total annual benefits of being an employee received by Shaquil will be $5400.

Hence, the correct option is D that the total annual employee benefits derived by Shaquil will be $5400.

To know more about employee benefits, click the link below.

https://brainly.com/question/12143528

Calculate the monthly payment for a 5-year car loan of $23,570 at 10. 43% interest, compounded monthly. A. $247. 44 b. $337. 56 c. $433. 88 d. $505. 79.

Answers

The monthly payment for this car loan is equal to: D. $505. 79.

Given the following data:

Time = 5 yearsPrincipal = $23,570Interest rate = 10.43%

To calculate the monthly payment for this car loan:

Mathematically, the monthly payment on a loan is given by this formula:

[tex]M = \frac{P(\frac{r}{12})(1 \;+\; \frac{r}{12})^{12t}}{(1 \;+ \; \frac{r}{12})^{12t} -1}[/tex]

Where:

P is the principal or amount borrowed.r is the interest rate.M is the monthly payment.t is the number of years.

Substituting the given parameters into the formula, we have;

[tex]M = \frac{23570(\frac{0.1043}{12})(1 \;+\; \frac{0.1043}{12})^{12 \times 5}}{(1 \;+\; \frac{0.1043}{12})^{12 \times 5}\; -\;1}\\\\M = \frac{23570(0.008692)(1 \;+\; 0.008692)^{60}}{(1 \;+\; 0.008692)^{60}\; -\;1}\\\\M = \frac{23570(0.008692)(1.008692)^{60}}{(1.008692)^{60}\; -\;1}\\\\M = \frac{23570(0.008692)(1.6808)}{1.6808\; -\;1}\\\\M = \frac{344.34}{0.6808}[/tex]

Monthly payment, M = $505.79

Read more: https://brainly.com/question/16992474

How does the value of a nation's currency affect global trade?

Answers

Answer:

this is the answer

Explanation:

A weaker domestic currency stimulates exports and makes imports more expensive; conversely, a strong domestic currency hampers exports and makes imports cheaper. Higher inflation can also impact exports by having a direct impact on input costs such as materials and labor.

True or False: In some small-market teams, current players who originally commanded a small salary but who have greatly succeeded on the team can become too expensive for the team to re-sign.

Answers

There are different kinds of market. In some small-market teams, current players who originally commanded a small salary but who have greatly succeeded on the team can become too expensive for the team to re-sign is a true statement.

There are a lot of terminology of professional sports in North America. A lot of teams are often based in the media market.

A small market team is known to have some form of  struggle as they compete financially against teams from larger markets

Because of this, they may be outbid in the competition for top talent. In most small-market teams, their main players who have achieved great success on the team can become too expensive for the team to re-sign them this is because they have become too big and they can no longer afford them.

Learn more about  market team from

https://brainly.com/question/2889076

Answer:true

Explanation:

i got it right

in what fast food company do this famous tag line belongs " I'm loving 'it"​

Answers

Explanation:

McDonald's

I'm loving it

McDonald’s old jingle I believe

Most people are very sensitive to risks and therefore will avoid them whenever possible. Please select the best answer from the choices provided T F.

Answers

The statement that the people very sensitive in taking risks totally avoid risks whenever possible is a TRUE statement. Such people do not fall under the category of risk-takers.

Risk ability is referred to as the desire to take risk based upon their risk profile and factors contributing to such decision like age, financial stability, responsibilities, etc.

Risk profile

The person who are willing to take risks and move ahead are called the risk-takers. Whereas, people who are very reluctant and hesitant in taking risks are referred as the risk aversers in business terms.

Risk aversion is the condition in which the person might not accept the difficult and extra rewarding alternative as there is a risk involved given that factors like age, stability, responsibilities, etc. also apply.

To explain this, it can be stated that a risky investor doesn't sell off his securities if their market value is declining, however a risk sensitive person will sell them early to avoid further losses.

Hence, the statement regarding the risk sensitive person's ability to avoid risk whenever possible is TRUE.

To know more risk profile, click the link below.

https://brainly.com/question/7128161

Answer:

TRUE

Explanation:

EDGE2022

what describes the specific information about a policy

Answers

Policy summary is what describes the specific information about a policy.

Policy is a term, commonly associated with insurance . It is a set of rules or guidelines for an organization and employees to follow in or to achieve a specific goal (i.e. compliance).

A policy summary describes the features and elements of the specific policy for which a person is applying.

Policy summary contains the following :

Name and address of the producerName of the policy issuedPremiumSurrender value

Therefore, Policy summary is what describes the specific information about a policy.

Learn more about policy summary here :

https://brainly.com/question/1373572

What do realtors do for the business (in a lot of detail)

Answers

Answer: Retailers sell food, hard or durable goods, and soft goods. Retailing is a trading activity that is directly related to the sale of goods or services to the ultimate consumer for personal, non-business use. A retailer is the last middleman in the machinery of distribution and is responsible to satisfy recurrent wants of consumers.

Explanation: I hope this helps!

Pretend you are a highschool student who makes minimum wage. You want to buy a new car, but you are $10,000 short. You are looking at the two loans identified below. Explain which loan is more appealing and why you would choose that over the other. Use details to support your answer.


Thanks for the help!!!​

Answers

Firstly, Loan A has a lower interest rate (0.25% lower) and therefore the interest payed is lower ($209.49 cheaper) and of course the total paid is lower for Loan A.

The benefit of Loan B is the term of payment is longer and the monthly repayments are lower. This could be good for someone working minimum wage due to having a low income.

In conclusion, I think Loan A would be better due to the interest being lower which is always a plus for loans.

Mark is looking for professional financial assistance. Mark has never invested before and is not quite sure where to start. He knows that he wants to build up investments for future projects such as retirement, but he is not sure how to navigate investment in light of his existing debts. Recommend an appropriate financial professional for Mark. A. Full-service broker b. Discount broker c. Accountant d. Financial planner Please select the best answer from the choices provided A B C D.

Answers

The recommended appropriate financial professional for Mark. A is: d. Financial planner.

Financial planner is a financial professional or financial adviser who is in the right position to give financial advice or to provide financial guidance to you.

A financial planner can help you plan your finances so as to avoid running into debt which will in turn will enables your to achieve your financial aims and goals.

It is the duty of a  financial planner  to give you some insight on how you can grow your wealth and how to manage your wealth.

Based on the given scenario Mark should consult a financial planner who will help him plan his finances as well as how to build his investment for future project.

Inconclusion the recommended appropriate financial professional for Mark. A is: d. Financial planner.

Learn more about financial planner here:https://brainly.com/question/25773057

Answer:

It's D

Explanation:

Other Questions
I WILL GIVE 20 POINTS TO THOSE WHO FILL IN THE BLANK CORRECTLY How does carbon atom work on plants 8 times a certain number is added to 5 times a second number to give 184. 9Ammonia is manufactured from nitrogen and hydrogen by the Haber process.N2(g) + 3H2(g)2NH3(g)What is the percentage yield when 60 kg of ammonia is produced from 60 kg of hydrogen?A5.9%B17.6%35.3%D50.0% algo que me quieras decir antes que se acabe el ao Given that k=cd2 + e find the value of c when k=3 ,d=2 and e = 5 why is it important to use compound fixative in histology What will a soccer player need to do to change a balls position?1. He must apply gravity to the ball so that the ball will move.2. He must weigh the ball to determine the motion that needs to occur.3. He must set the ball in motion by applying a force in the desired direction.4. He must identify the location of the ball.First one to answer will get brainliest! Explain why similar species of marsupial can be found in Australia and South America. you and a friend go to starbucks. you spend $5.25 on a venti pumpkin spice latte and buy 4 chocolate chip cookies. your friend decides against coffee and only purchases 7 chocolate chip cookies. if you both spent the same amount of money, what was the price of one chocolate chip cookie? Give the algebraic equation how many atoms of mercury are in 50.15 g of mercury? Write an essay that analyzes a theme in The Call of the Wild. Select the following links to read the novel. Part 1 Part 2 Part 3 Part 4 Part 5 Part 6 Part 7. Pls Help! i will give brainliest!!! the mark in a subject for 12 students are as follows 31`, 37 ,35,38 ,42 ,23,17,18 ,35,25, 35,29 The long sides of a rectangle measure 5 ft 6 in, and the short sides are 3 ft 4 in. What is the perimeter? what is the rectangular cross hatch chart used for eye test called please help!! I WILL MARK BRAINLIEST!!!! When you start a new job you fill out a w form to From 1450-1750 were all Asians governments opened to other Asian countries or cultures? Which of the following groups cannot represent the side lengths of a triangle.A.49,20,17B.7,11,16C.9,13,21D.30,9,27 Express (8 - 3sqrt(2))/(4 + 3sqrt(2)) in the form of a + b * sqrt(2) where a and b are integers.