When an insurer relies on the prior claims history of the group to be insured in determining the rate to be charged, it is called:______

Answer:

D.

irregular and missed loan payments

Explanation:

Missing and missed loan payments cause one to have a poor credit score.  A credit score is a numerical representation of an individual or institution's debt worthiness. A high credit shows that the individual is a trusted borrower.

A high credit score comes about if one has a history is repaying his or her obligation promptly. The individual does not skip on their regular installments repayment. Lending institutions use borrowing history to predict how a borrower is likely to behave if credit is advanced to them. A high credit score shows that the borrower is unlikely to default to his repayment.

Answer:

D.

irregular and missed loan payments

Explanation:

Answer:

Personal Income

Explanation:

Personal income represents the totality of income an household or an individual receives. It can also be called the collective compensation an individual receives and this amount is subject to tax.

The component of an household's presonal income include income for various sources. Earned sources include; wages, salaries or any other compensation from either self-employment or employment with another company or oganisation. Un-earned income include distributions and interests and dividends most received from investments, income from rental of real estates and any profit received as a result of being part of a business.

Answer:

Option D is correct

Explanation:

Due to the increase in awareness amongst target market would increase consumers demand of product which would increase revenue.

Complete Question: A manager reports that she makes the right hiring decision 90% of the time. This is an example of _________________.

a. Attribution error

b. Judgment heuristic

c. Representativeness error

d. Halo effect

E. Overconfidence bias

Answer:

Overconfidence bias

Explanation:

Like a popular saying that "too much of anything is bad", Overconfidence bias is a situation in which a person elevates his confidence in making judgement above the accuracy of the judgement which is as a result of too much confidence.  

It is a miscalculation of judgement accuracy simply put.

Cheers.

The manager's ability to make the right hiring decision 90% of the time demonstrates probability in business.

This situation is an example of probability in business.

Probability is a branch of mathematics that deals with the likelihood of events occurring. In this case, the manager is reporting that she has a 90% success rate in making the right hiring decisions.

This means that there is a 90% chance that the manager will make the right hiring decision, and a 10% chance of making the wrong decision.

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Answer:

Option C is correct

Explanation:

This means an increase in actual price would make quantity aggregate supply curve to shift to the right.

The correct answer is that the quantity of output supplied will increase if the price level increases by more than expected, leading firms to believe the relative price of their output has increased.

The misperceptions theory of the short-run aggregate supply curve suggests that the quantity of output supplied will increase if the price level increases by more than expected so that firms believe the relative price of their output has increased. Option (d) 'increases by more than expected so that firms believe the relative price of their output has increased' is the correct answer. This theory assumes that in the short-run, firms may misinterpret general increases in prices as increases in the relative prices of their products, which may lead them to increase production. Under the rational expectations framework, it is believed that people will not be consistently fooled by changes in the price level, and as a result, any effect on output and employment will be temporary, with the only long-term effect being on the price level.

Answer:

The correct answer is A

Explanation:

Deferral is the term which is defined or described as the delay or defer in recognizing the certain expenses or revenues on the income statement of the business, until a later period or time.

So, the account which is created while recording the journal entries in order to adjust the deferral, is the unearned revenue, which means that the is the amount of revenue, which is received form customer for which work as not been perfomed yet.

Unearned Revenue Revenue is the correct journal entry to adjust for a deferral in accounting, which happens when payment is received for goods or services not yet provided. This process decreases the liability and increases revenue.

The correct journal entry to adjust for a deferral is Unearned Revenue Revenue (option A). A deferral happens when payment is received for goods or services not yet provided, like a rent paid in advance or magazine subscription. This concept is used in accrual accounting, and 'Unearned Revenue' is considered a liability because it's an obligation to provide a service or product in the future. Once the service or product is delivered, the liability decreases and revenue increases. The journal entry to represent this process is to debit (decrease) Unearned Revenue and credit (increase) Revenue.

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Answer:

a. buying or creating facilities in another country for producing in local markets.

Explanation:

Foreign direct investments refer to establishments or acquisition of a business in a foreign country. The individual or firm involved in foreign direct investment is a citizen of a local country but starts a  business in a different country.  

Foreign direct investments are different from portfolio investments. In Portfolio investment, the investor buys securities in a foreign market, but foreign direct investment involves setting up a business or purchasing one in another country.

Answer:

A I believe

Explanation:

Answer:

A). 3 Labors will produce 16 cakes which can be sold in $160 giving 25% profit margin which is the maximum profit.

Labors    cost       cakes       Sales       Profit      %

1           40              3    30 -10       33%

2           80              10    100  20        20%

3           120      16     160  40        25%

4           160      21     210  50        24%

5           200      25     250  50        20%

6           240      28     280  40        14%

Explanation:

Please refer to the attached file for detailed calculation of profit margin.

Profit margin(Gross Profit/Sales) : is the ratio used to calculate to measure maximum profit.

Option A, 3 labors are delivering maximum efficiency in work and producing maximum number of cakes resulting in the highest profit margin.

Answer:

(C) doing both of the above

Explanation:

When dealers "make a market", they do so by providing liquidity in a market that may lack such. Liquidity measures the ease with which participants can buy and sell in a market. Thus, by making a market, a dealer buys stocks for inventory when investors want to sell, and sells stocks from inventory when investors want to buy.

Answer:

c. It has a centralized system of decision making.

Explanation:

Tradus operates a centralized system management as decisions are taken at the apex of the organisational hierarchy. He the CEO or chairman of the board takes up decision making roles from units and departments.

Final answer:

Tradus, the boutique operated by Ross and Tony, clearly employs a centralized system of decision making, where the owners make all significant decisions and the department heads execute these directives.

Explanation:

The business structure described for Tradus, a boutique opened by Ross and Tony in Chicago, provides clear insight into the operational dynamics of their establishment. Given that all major decisions are made by the owners, Ross and Tony, and all department heads act based on their directives, it's evident that Tradus operates under a centralized system of decision making. This approach is characterized by decision-making authority being concentrated at the top level, with lower levels executing those decisions without inputs on strategic matters. This structure simplifies decision-making processes, but may limit innovation and responsiveness at lower levels.

Contrary to a decentralized system where decision-making powers are distributed across various levels within an organization, a centralized system significantly reduces the complexity of managing the operations but can also slow down decision-making processes and limit the sense of autonomy among employees.

Answer:

B. Panic selling

Explanation:

Panic selling is an action of selling large quantities of a commodity out of fear of forthcoming decline in the demand or reduction in value of the commodity. It is what the broker made the owner do because of the broker's fear of the Hispanics.

Cheers.

Answer:

In recent times, approximately the top 50% of households made more than $51000

Explanation:

Answer:

Medium of Exchange

Explanation:

A certificate of deposit represents a legal document issued by a commercial or economic institution such as a bank as evidence of a sum of money deposited by the individual for a particular period and with a specified rate of interest.

A Medium of Exchange, on the other hand, represents an intermediary system or instrument that can be used to make sales, purchases and facilitate the trade of goods or services between various parties. To qualify as a medium of exchange, the instrument should have a standard face value and must be acceptable to all parties.

Since Tara was able to put down $50,000 as represented on the Certificates of deposit, it becomes a medium of exchange, because it has a standard face value (as determined by the bank) and it is acceptable both by Tara and the estate from which Tara is purchasing the house.

Answer:

Determine how effective television commercials are in convincing viewers to purchase new vehicles

Explanation:

By determining how effective TV commercials are to persuade the customers to purchase the vehicles will help Eric study the relationship between local television commercials and the sales of new vehicles.

This will ultimately help him develop an effective marketing plan to advertise vehicles via TV commercial to boost the sales

Answer:

B.) The relative sizes of the total market capitalizations for each kind of security that the firm issues.

Explanation:

WACC is the weighted average cost of capital. It is used as the discount rate when evaluate projects whose risk are similar to company's risk. Calculation of WACC uses relative market values of common equity, preferred stock and debt to calculate each proportion.  Cost of equity, cost of preferred stock and aftertax cost of debt are also used. This makes choice B correct.

Answer:

A tax cut will increase aggregate demand, reduce unemployment and result in inflation

Explanation:

Recession is a sustained period of significant fall in real GDP- a record of negative growth rate in real GDP. It causes loss of jobs and results in grave personal costs on households as people lose incomes for lack productivity.

The goverment can remedy recession by stimulating any or a combination of the expenditure components of aggregate demand; which are consumption, investment, government spending and net export.

A cut in personal income tax, for example, will increase the disposable income(income after tax), which will increase consumption tendency, and in turn increase the household purchases of goods and services. This will result to further series of spendings in the economy-multiplier effect and then cause a shift in aggregate demad to the right. The real output level will increase and unemployment will reduce.

However, an increase in real output, all other factors remaining constant, will drive up the price level- results in inflation.

Answer:

b. 300,000 shares being sold is an issuer transaction and the 200,000 shares being sold is a non-issuer transaction.

Explanation:

A non-issuer transaction is a transaction that does not directly benefit an issuer or it was not directly executed to benefit an issuer.

According to the Uniform State Law, an entity involved in the sales of certificates of interest, leases, mining titles among others is officially exempted from being labelled as an issuer. Hence, the entity (officers of the firm) in the question are non-issuer brokers.

Specifically, when the sales of stock are carried out by someone or an individual who is not a registered stockbroker, that individual officially becomes what is called 'a non-issuer broker-dealer'. The implication is that such a transaction is to be exempted from the registration requirements of the Security Exchange Commission.

In this question, since the issuer newly issued 300,000 shares while the remaining 200,000 in the proposed combination was offered by Officers of the firm - non-issuer broker-dealers. The Law states that it must be separated to show that 300,000 shares are sold in an issuer transaction (Primary) directly involving an official issuer while 200,000 shares are sold in a non-issuer transaction (Secondary).

Answer:

The correct answer should be: "60 minutes of instruction over around 10 hours certification multiplied by the required years, although this is always dependant on the program".

Explanation:

Approved Continuing Education (ACE) is a kind of continuing literacy in which people search for the best practices to improve work and study. It is always dependant on the program chosen, which means that the subjects, units, schedules, hours, and activities will be according to different patterns. Usually, most of them have a minimum of around 1 hour of instruction, concluding in a 10 hours certification multiplied by the required years, although some others have a concluding certificate of a multiplied 20 hours, such as in the case of most of brazillian certificates for continuing courses.

Answer:

how many hours of continuing education must be completed within every two-year cycle

Explanation:

Answer:

$139,000

Explanation:

The value of an asset is recorded in the book as the price at which it was acquired. The cost of the land will be recorded as the price which it was paid for or the purchase price.  

In asset acquisitions, the value of land includes the purchase price plus all other relevant expenses such as legal fees, commissions, and survey fees. Discounts received are deducted from the purchase price before the price is recorded in the books. An organization will value and depreciate its assets based on the price it purchased them.

Answer:

Gain flexibility

Explanation:

Flexibility in business refers to continually trying to become more efficient and able to generate a higher profit.

When you sign longer contracts, you know how much money you are going to pay (the lessee) and receive (the lessor) in advance for several years. That reduces uncertainty and risks, but it also reduces (or almost eliminates) the possibility of higher returns since your investment becomes inflexible.

Answer:

C. expansionary

Explanation:

If there is a structural deficit at full employment then Government Spending (G) is still expansionary. This is when the government expands the money supply within the economy, in order to either increase spending or cut taxes. This is done in order to get more money into the hands of consumers and business to spend and help move the wheels of the economy.

Answer: A federal program that provides academically focused preschool to students of low socioeconomic status.

Explanation: Head Start is a U.S. Department of Health and Human Services program that offers extensive early childhood development, healthcare, nutrition, and permissive parenting services to children and families with low incomes.

The services and programs are intended to promote stable and loving relationships, strengthen the emotional and financial well-being of children, and create an atmosphere for the development of good cognitive abilities.                  

Answer:

Save additional $17,500 or reduce disbursement by that much

Explanation:

The cash budget of the company would be as follows:

May 31 owed to be bank ($15,000)

June 1 opening cash balance $12,000

June expected cash receipts $30,000

June expected cash disbursement ($34,500)

Net cash flow at the end of June (excluding bank): $7,500

Net cash flow (including bank): $7,500 - $15,000 = ($7,500)

Thus, the company will be owing the bank $7,500 by the end of June.

To maintain the minimum $10,000 positive balance with the bank, the company would need to payback the $7,500 which will be owed by the end of June, and make additional deposit of $10,000.

Total deposit required = $7,500 + $10,000 = $17,500.

This can be achieved by reducing expected disbursement by $17,500 or via other means.

Answer: Preferences and taste

Explanation:

   The preferences and the taste are the characteristics in the business that are changed according to the customer requirement for the various types of products and the services in an organization.

The preferences is one of the main factors which helps in influencing the user or the customers demand.

According to the given question, the non-pricing determinant of the demand is changing according to the preferences and the taste of the consumer as the requirement of the user are get changed in the market.

Therefore, Preferences and taste is the correct answer.  

The governor of South Dakota reports a budget surplus in 2011 and he states that the government received more taxes in the year than it spent in that year

Explanation:

Budget is the amount that the government plans and spends for the future needs and always the government introduces the budgets in the beginning of the year

Taxes must be paid regularly by the citizens and it is the due responsibility and the report of the taxes paid will be given to the governor an the report will be read and in one such report the governor of Dakota reported that there was a budget surplus the government received more taxes than it spent

A budget surplus in South Dakota implies that the state's revenues exceeded its expenditures in 2011. This could allow the government to repay debts, prepare for future costs, or potentially offer tax cuts, depending on various factors. However, tax cuts are not guaranteed merely because of a budget surplus.

If South Dakota's governor reports a budget surplus in 2011, it means the state government's revenues exceed its expenditures for that year. This puts the state in a favorable financial position. A budget surplus might be used in various ways, such as repaying state debt, preparing for future expenses, or even potentially offering tax cuts. This last point is not guaranteed and depends on various factors: the size of the surplus, the state's financial obligations and overall fiscal policy, political considerations, and more.

A budget surplus contrasts with a budget deficit, which occurs when government spending exceeds revenue. When a surplus is present, it signifies that the government is living within its means. The surplus might also signify greater fiscal health, enabling the government to borrow less, repay existing debts, and potentially cut taxes if other obligations don't demand surplus funds.

However, it should be noted that a budget surplus doesn't always or immediately lead to a tax cut. Decisions about savings, spending, and taxation are informed by a complex interplay of factors and usually involve comprehensive long-term planning.

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Answer:

C) Deposit into the brokerage business account.

Explanation:

The broker does not own the money, therefore it cannot make a deposit to its own account. Once the sale is completed, the broker collects its fees, but it cannot collect earnest money or any other type of deposit as advanced fees. It is OK for them to keep the check if the buyer gives them permission but they cannot attempt to cash it for themselves or deposit the check in their account.

Answer: Like minded employees have difficulty offering fresh perspectives.

Explanation: The attraction - selection - attrition framework, or ASA framework is a model that states that people within a workplace are a function of 3 interellated elements: attraction, selection and attrition. It basically goes on to say that individuals are attracted to, selected by and kept in organisations by other employees who have the same psychological attributes as themselves. The ASA framework is then able to define the nature, processes, culture, and structure of the organisation by determining the types of individuals who work in the organisation.

Answer:

As we become more experienced, more senior, and lead bigger teams, the focus of leader development becomes more about enhancing the performance and building of characters. Moreover, leaders must remain competent, and team performance is the primary success of any leader. A leader must be a solution finder at any stage to leads the team towards success.

Explanation:

Answer:

Strengthening the performance and character of our teams is the correct answer.

Explanation:

When leading larger teams, a person also receives more responsibilities and has to focus his or her attention in different things. Leader development also changes and when new groups are assigned, the person should focus on strengthening the performance and character of our teams; due to this, it is the correct answer.

Answer:

A.

Explanation:

Based on the information provided within the question it can be said that the main difference between them is that the first uses a business-level strategy, while the second uses a set of business strategies and a corporate strategy. A Business-Level strategy focuses on attaining and satisfying the customers by offering them the goods and services that they need/want in order to increase profits. While a Corporate Strategy focuses on the corporate overall goals and direction that how those goals will be achieved, usually using various other strategies for each goal.