(A) The policy covers the property of others that is in the care, custody, and control of the insured is true of the Personal Property of Others coverage provided by the Building and Personal Property Coverage Form.
What is Personal Property Coverage Form?Form for personal property coverage (BPP), this form allows a business owner to cover the buildings, fixtures, machinery and equipment, and personal property utilized in business, as well as the personal property of those for whom the business owner is liable, under a single policy.Building coverage may include goods permanently attached to the building, whereas personal property coverage includes items that are not permanently attached to the building. Land, water, plants, streets, crops, bushes, money, accounts, instruments, or trees are not covered under the building or personal property coverage.The Personal Property of Others coverage offered by the Building and Personal Property Coverage Form covers the property of others that is in the insured's care, custody, and control.Therefore, (A) the policy covers the property of others that is in the care, custody, and control of the insured is true of the Personal Property of Others coverage provided by the Building and Personal Property Coverage Form.
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The complete question is given below:
Which is true of the Personal Property of Others coverage provided by the Building and Personal Property Coverage Form?
A. The policy covers the property of others that is in the care, custody, and control of the insured
B. The policy covers the property of others against loss by theft
C. Property of others is covered at up to $5,000 per described location.
D. The policy covers the interest of others in property that the insured is purchasing on an installment plan
When a small business forges an agreement with a bank that consents to honor a draft or other demand for payment after goods are delivered internationally, the firm receives a:__________
An agreement between a small business and a bank which leads to the bank consenting to honor a draft or demand for payment leads to the firm getting a letter of credit.
What is a letter of credit?This is an agreement that bank makes with a small business in order to increase the credibility of the small business when buying a good or service internationally.
The agreement makes it clear that the small business will pay the money that it owes for the goods delivered and that the bank guarantees it.
The reason for this is that the small business might not be trusted or popular enough so the seller might not trust them. Banks are more trusted however so the sale will go through.
In conclusion, an agreement between a bank and small business to guarantee payment is a letter of credit.
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What are the important differences between the one-way model, the circular model,transaction model of communication?
The notable difference between the one-way (Linear), Interactive and Transactional models of the human communication process is as below:
The one-way communication model has the sender encoding a message to be sent via a channel to the receiver in the presence of noise but the model does not display the feedback which represents the continuous exchange of information. This communication is primarily representing mass communication.
In the case of the interactive model, there is the interaction between the sender and the receiver which is a key element of communication and is a two-way process.
Whereas in the case of the transactional model, the communication does not indicate a sender or a receiver. But the model labels the interlocutors as communicators A or B. This model is represented by face-to-face communication and both the sender and the receiver can work simultaneously in which messages can be sent back and forth between communicators.
The transaction model is the most complete form of communication as it
· Allows both sender and receiver to work simultaneously.
· Difficult to trace the origins of a message, so this implies that it does not show elements of sender-receiver
· It is more circular rather than linear or half a circle, since what is important in the cyclicality is the interpretation of the messages rather than the decoding of the messages. Both the sender and roles are swappable between the communicators as it represents the best form of face-to-face communication.
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Employers may pay nonexempt employees who work fluctuating schedules a fixed salary. in these cases, the extra pay is?
Employers may pay nonexempt employees who work fluctuating schedules a fixed salary, in these cases, the extra pay is None of the above are correct.
Many firms simply pay an hourly rate plus time and a half for every hour worked in excess of forty. But there are also other legal ways to pay nonexempt workers and determine how much overtime they are due.
Nonexempt employees are paid a defined weekly salary under the variable workweek approach, which is described in 29 CFR 778.114, regardless of the number of hours they put in.
They also earn additional overtime compensation when they clock in for more than 40 hours in a workweek. In other words, whether an employee works 30, 40, or more hours a week, their pay remains the same.
Every hour the employee works over 40 in a workweek that exceeds 40 is compensated with additional overtime pay.
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Suppose the real rate is 3. 75 percent and the inflation rate is 1. 5 percent. what rate would you expect to see on a treasury bill?
The rate you expect to see on a treasury bill is 5.31%.
Short-term government securities and Treasury Bills have maturities ranging from a few days to 52 weeks. The face value of bills is discounted when they are sold. Since the U.S. government backs Treasury Bills, they are regarded as a secure and conservative investment. T-Bills are typically kept until they reach maturity. However, some holders could prefer to cash out before maturity and take advantage of the benefits from the investment's short-term interest by reselling it on the secondary market.
The real rate is 3. 75%
= 3. 75/100
= 0.0375
The inflation rate is 1.5%
= 1. 5 /100
= 0.015
Therefore the rate on the treasury bill can be calculated as follows
= (1+0.015)(1+0.0375)-1
= (1.015×1.0375)-1
= 1.0531-1
= 0.0531×100
= 5.31%
Hence the rate that is expected to be seen on the treasury bill is 5.31%.
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The layer of internet architecture that ties the applications to the communications network and includes such services as security and authentication is called the?
The layer of internet architecture that ties the applications to the communications network and includes such services as security and authentication is called the Middle ware Services Layer.
An operating system and the programs it executes are separated by a piece of software known as middleware. For remote applications, middleware effectively acts as a covert translation layer that streamlines data management and communication.
Since it connects two programs to provide a "pipe" for data and databases, plumbing is another name for it. By using middleware, users can ask the web server to return dynamic web pages depending on a user's profile or submit forms via a web browser.
Transaction-processing monitors, message-oriented middleware, web middleware, database middleware, and application server middleware are a few examples of common middleware.
Common messaging frameworks include simple object access protocol (SOAP), web services, and representational state transfer. Each program typically provides messaging services to facilitate communication with other applications (REST).
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What's the best strategy if you don't get into graduate school the first time you apply?
One might think about reapplying to graduate programs that have a better fit for their qualifications if they are not admitted the first time they apply. This demonstrates the value of having a plan B. Graduating from a graduate program is recommended because it will improve your work prospects.
Academic records, a personal statement, letters of recommendation, research experience, and fit with the program/advisor are the five key criteria that most institutions consider when choosing graduate students. As with undergrad, getting into graduate school is difficult, but the difficulty varies greatly based on the schools and program you're pursuing.
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As lynn is working on writing the text that will be incorporated into a new magazine ad for her company’s line of handbags, she is engaging in the _______ stage of the communication process.
As Lynn is working on writing the text that will be incorporated into a new magazine ad for her company’s line of handbags, she is engaging in the encoding stage of the communication process.
What is encoding?Humans primarily communicate via encoding and decoding messages. The individual who completes and transmits the message is understood as the encoder.The encoder must establish how the audience will analyze the message and create required changes to assure that the audience decodes the message as intended.Encoding is the procedure of transforming ideas into language. The message exists transmitted by the encoder utilizing a "medium" such as a phone call, email, text message, in-person conference, or another communication method.Different signals need different groups of conscious thought when they are encoded. The encoder should also manage for any "noise"—such as other messages, distractions, or effects—that could obstruct their message.Hence, As Lynn is working on writing the text that will be incorporated into a new magazine ad for her company’s line of handbags, she is engaging in the encoding stage of the communication process.
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Generally the contract owner may change the annuitant at any time provided the new annuitant was _______ at the time the contract was originally written.
Generally, the contract owner may change the annuitant at any time provided the new annuitant was alive at the time the contract was originally written.
An annuitant is a character who's entitled to accumulate the regular payments of a pension or an annuity investment. The annuitant can be the agreement holder or some other person, inclusive of a surviving partner.
Beneficiaries make up the 1/3 designation of an annuity contract. whereas the annuity proprietor and the annuitant can be equal men or women, a beneficiary is a separate character or entity.
An annuitant is someone who's entitled to get hold of blessings from an annuity. The payout blessings for an annuitant are based totally on the man or woman's existence expectancy.
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A company prepares a five-year budget. this budget would be considered a(n):_____.
a. flexible budget.
b. operational budget.
c. strategic budget.
d. master budget.
A company prepares various types of budgets to regulate its expenditures.
The correct answer is c. Strategic Budget.
What is a budget?A Budget is a regulation of revenue and expenditures of a company. It is presented in tabular form which makes it easy to understand.
The budget is often prepared monthly in a corporation but sometimes there are special budgets prepared for one off projects.
These budgets are prepared by managerial staff of various departments which are summarized into master budget and then they are presented to the board of directors for review purposes.
A strategic budget is prepared with a long term view. The budget includes projections of revenue and expenditures of more than one year period.
The companies management prepares these types of budgets to have a long term view of company's position.
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For economic purposes in the united states, the working-age population does not include:_______
For monetary purposes inside the USA, the running-age population does no longer include the civilian, noninstitutional population aged sixteen and over.
Working age' is normally described as 15 to 64 years. This definition is for example used for the 'vintage-age dependency ratio', with people aged 65 and over being labelled 'established'.
The labour pressure participation fees are calculated because the labour force is divided by the full working-age populace. The working age populace refers to people aged 15 to sixty-four. This indicator is damaged down by using age organization and its miles measured as a per cent of every age institution.
A number of the opposite discounts are in all likelihood because of out-migration during the pandemic. however, in regards to the shrinkage within the pool from which we could pull a staff, the primary purpose is demographics. greater human beings are passing into retirement age than are getting into running age.
The working-age populace is the entire populace in an area this is considered capable and possibly to paintings based on the number of people in a predetermined age variety. The working-age population degree is used to provide an estimate of the overall number of capable employees within an economic system.
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Under the payment of claims provision, when are benefits typically payable after proof of loss is received?
All claims other than those for periodic installments should be paid immediately after the insurer has received proof of loss.
A time of payment of claims provision states the wide variety of days that the insurance company has to pay or deny a submitted declaration. This provision is included to minimize the amount of time that a policyholder has to anticipate his/her payment or for a selection approximately his/her declare.
Claim provision means an amount payable to you under the policy to compensate you for the credit losses you have sustained from unpaid insured receivables.
A claim provision is a clause in an insurance contract that sets forth the process to be followed within the submission and management of claims. In the case of a reinsurance agreement, it states the phrases and conditions under which the reinsurer's legal responsibility for claims will arise.
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Carsten and colleagues offer several practical perspectives on followership intended to?
Carsten and colleagues offer several practical perspectives on followership intended to help people in organizations understand the positive aspects of being a follower.
What is the principle of followership?Generally, the principle of followership is a straightforward concept that explains the ability to take direction well, to get in line behind a program, to be part of a team and to deliver on what is expected of you.
The role of Followership is important in the discussion of leadership for several reasons because without the followers, there can be no leaders in an organization, industry etc.
However, the duos offer several practical perspectives on followership intended to help people in organizations understand the positive aspects of being a follower.
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Compensation paid in proportion to the number of units of personal output best describes:_______.
i. royalties.
ii. piece rates.
iii. profit-sharing.
iv. bonuses
Compensation paid in proportion to the number of units of personal output best describes piece rates. When an employee is paid on a piece rate, they are paid per unit.
This means that the worker is paid based on how much is picked, packed, pruned, or made. The piece rate system boosts employee productivity by making sure they are focused on achieving their goals. A worker can be employed to work shifts that are paid hourly and on a piece rate basis.
An employee is compensated on a piece rate basis. This indicates that the amount picked, packed, pruned, or made determines the employee's compensation rate. Piece rates are used instead of the hourly or weekly pay rate when payment is made.
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A share of preferred stock pays a quarterly dividend of $2. 50. if the price of this preferred stock is currently $50, what is the nominal annual rate of return?
The nominal annual rate of return is 20%
Given,
Annual dividend = $2.50(4) = $10. rps
= Dps/Vps = $10/$50 = 0.20 = 20%
The nominal rate of go back is the quantity of cash generated by way of an investment before factoring in charges such as taxes, funding charges, and inflation. If an funding generated a ten% go back, the nominal rate would equal 10%.
Nominal interest price refers back to the hobby price earlier than taking inflation into consideration. Nominal also can seek advice from the advertised or said interest rate on a loan, without contemplating any fees or compounding of interest.
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In the _____ sales channel, a customer uses only one channel of a given business to purchase an item, including in-store, on a cell phone, or on the company’s web site
In the mobile sales channel, a customer uses only one channel of a given business to purchase an item, including in-store, on a cell phone, or on the company’s web site.
Mobile channel are the sales channel or the the means by which consumers can access a retailer’s e-commerce offering from a mobile device in a very easy and cheaper way.
Mobile marketing has now become a powerful component of digital marketing and businesses of all sizes, across all industries, It can benefit from a great mobile marketing strategy.
Mobile marketing is a multi-channel marketing in which digital marketing strategy aimed at reaching a target audience through smartphones, tablets and other mobile devices, via websites, email, SMS and MMS, social media and apps.
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Which of the ten principles of economics do governments run into when they redistribute?
When the government do redistribution they use Prof. Mankiw's 10 Principles of economy, which explained how an economy work in a manner that help to optimize goals with the help of 10 Principles of economy.
The following are the 10 Principles of economy that government uses while redistribution:
1. People face trade-offs
2. The cost of something is what you give up to get it
3. Rational people think at the margin
4. People respond to incentives
5. Trade can make everyone better off
6. Markets are usually a good way to organize economic activity
7. Governments can sometimes improve market outcomes
8. A country's standard of living depends on its ability to produce goods and services
9. Prices rise when the government prints too much money
10. Society faces a short-run tradeoff between Inflation and unemployment.
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The term __________ refers to the __________ that a bond is expected to pay at the time of purchase.
The term bond yield refers to the rate of return that a bond is expected to pay at the time of purchase. The yield on bond is the discount rate that can be applied to bring the bond's price and the present value of all of its cash flows into balance.
In other words, the present value of all the cash flows is added to determine the price of bond. The same discount rate is used to value each cash flow in the present. The yield is the discount factor. The term bond yield refers to the rate of return.
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Managing a team's ______________ is not a normal task that a manager should involve him or herself.
Managing a team's cohesiveness is not a normal task that a manager should involve him or herself.
Cohesiveness develops over time out of interpersonal and institution-degree enchantment, via collaboration, and as a result of a feeling of belonging. Cohesive groups communicate greater effectively, result in better member pleasure, and can create efficiency in resource allocation.
Team cohesiveness refers to a group's capacity to effectively work as a whole closer to a commonplace goal. It is also a method that the group's individuals want to make contributions to the crew's capacity to work properly together.
Group brotherly love is the quantity to which organization individuals are attracted to the institution and its dreams. Brotherly love can encompass emotions of interpersonal liking, mission dedication, and group pride.
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The main tool of monetary policy is:___________.
a. the discount rate.
b. capital gains taxes.
c. open market operations.
d. the reserve requirements.
The main tool of monetary policy is open market operations.
What do you mean by open market operations?
The Federal Reserve uses open market operations (OMOs), which are central banks' purchases and sales of assets on the open market, as a key tool for carrying out monetary policy. The Federal Open Market Committee establishes the short-term goal for open market operations (FOMC).
A central bank will engage in an open market operation to provide a bank or group of banks with liquidity in its currency. In order to control the amount of money in the economy, central banks engage in open market activities. For instance, the Reserve Bank of India, or RBI, conducts open market operations in India.
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The aggregate demand curve ________ displays a relatively aggressive monetary policy, while the curve ________ displays a monetary policy completely unresponsive to changes in inflation.
The aggregate demand curve AD2 displays a relatively aggressive monetary policy, while the curve AD3 displays a monetary policy completely unresponsive to changes in inflation.
Because an aggregate demand curve shows the total spending on domestic goods and services at each price level. The total demand for final goods and services in an economy at a given time. An increase in the money supply will ultimately lead to the aggregate-demand curve shifting to the right.
Aggregate are the inert materials that are mixed in fixed proportions with a Binding Material to produce concrete.
Domestic states that something related to the home or family, something occurring within a country.
Economy is an area of the production, distribution and trade, as well as consumption of goods and services.
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Discuss which financial management practices are least effective in creating and monitoring an operating budget?
The financial management practices which are least effective in creating and monitoring an operating budget include top down/bottom up budgets, poor inventorying, lack of control, over control, and lack of staff investment.
In business, financial management includes the practice of making a business plan and then ensuring that all departments which falls under it stay on track and work properly.
Creating and monitoring an operating budget for the national government involves four distinct processes which are, budget preparation, budget authorization, budget execution and accountability.
Hence, the operating budget helps in keeping track of the income and expenses in an organization.
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According to the free cash flow hypothesis, which has the greater potential to reduce wasteful spending?
The debt facilitates prevents such firms from losing resources on low-go-back initiatives.
The free coins float speculation posits that money glide will increase the enterprise costs of companies with terrible investment possibilities. ' It assumes that management values investments in operations greater than investments in economic assets.
The unfastened coins float theory says that chance-only high debt stages will boom cost, in spite of the danger of monetary distress, whilst a company's working cash flow notably exceeds its profitable investment possibilities. The free coins flow theory is designed for mature firms which might be at risk of overinvesting.
Cash flows are available for bills to stockholders and debt holders of a company after the firm has made investments in property necessary to sustain the continued operations of the firm.
Coins glide reveals out the net coins inflow of working, investing, and financing activities of the commercial enterprise. free coins drift is used to discover the present fee of the business. the primary objective is to find out the real net coins influx of the business.
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Brenda wants to reduce mass media imc and to increase the use of personalized marketing communication messages. To achieve this goal, brenda will likely increase her use of.
The correct answer is Direct Marketing.
Brenda wants to reduce her mass media imc and to increase the use of personalized marketing communication messages. To achieve this goal, Brenda will likely increase her use of Direct Marketing.
What do you know about Direct Marketing? It is a form of direct communication with the selected customer, organization, or other firms. This form of marketing may be intrusive and annoying for a lot of people. The response rate is also quite low for direct marketing. We usually need to promote our products or services with this kind of marketing. It helps you in building a direct bond or direct relationship with new customers. It can also help in understanding the appeal of the product.To learn more about marketing visit: https://brainly.com/question/14201420?
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What is the effect of a government budget deficit on the real interest rate and investment? a government budget deficit _______ the real interest rate and _______ investment
The government budget deficit does not influence the real interest rate. The real interest rate is 9 percent a year.
What do mean by government budget?A government budget is a document created by the government and/or another political institution that details proposed spending and tax revenue estimates for the upcoming fiscal year. The budget is typically presented to the legislature in parliamentary systems, and it frequently needs their approval.
A government budget is a document that details the anticipated income and expenditures for a given fiscal year for a given governing body. Government spending plans frequently need legislative approval and are vulnerable to political pressure from interest groups vying for funding.
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Demand is the __________ and __________ to buy a given good or service. a. passion . . . desire b. willingness . . . ability c. need . . . opportunity d. motivation . . . determination
Answer:
I think the answer is C need .... opportunity
Answer:
Need.........opportunity
Explanation:
The wood master industries (the manufacturer) has agreed to accept $23,500 at the end of each of the next 4 years. based on this deal, how much interest will grummet pay over the life of the loan?
Purchase price=$80,000
Total amount to be paid in the next 4 years(including principle and interest amount)=$23,500/year*4 years=$94,000
Total interest grummet will pay over 4 years would be the total amount to be paid in the next 4 years less purchase price(principle), ie.94000-80000=$14,000
In finance and economics, interest is the amount paid by a borrower or deposit-taking financial institution to a lender or depositor in excess of the repayment of the principal at a specified rate. It is different from a fee that a borrower can pay to a lender or a third party. Wikipedia
Interest is the price paid for borrowing money or the cost charged for lending money. Interest is usually given as an annual percentage of the loan amount. This percentage is called the interest rate on the loan. For example, if you deposit money in a savings account, the bank will pay you interest.
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Small business owners often struggle in attracting qualified workers. what contributes to this problem?
Small business owners often struggle in attracting qualified workers because many jobs in small firms have low pay and few benefits.
Small businesses frequently find themselves in a less stable condition than larger organizations, which typically have the adequate cash flow to cover payroll and keep the lights on. Your small firm might not be able to pay its debts if one important client doesn't pay.
In addition, small businesses may require workers who can manage a variety of activities, whereas large organizations can recruit personnel for a single activity.
Furthermore, since change is common in small businesses, you'll probably need people with the right personalities to flourish there. Finding the ideal staff might be difficult because of all of these issues.
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Compared to other industrialized nations, the united states has one of the ________ rates of childhood poverty.
Compared to other industrialized nations, the united states has one of the highest rates of childhood poverty.
Compared to other age groups, the poverty rate for people aged 65 and over is the highest. Older women are more likely to live in poverty than older men.
Positive effect on learning for children from 2 years old. The same positive effects as entertainment television for children over 4 years old.
The official poverty line income threshold is set by multiplying the 1963 inflation-adjusted minimum food cost by a factor of 3 and adjusting for family size, composition, and age of the head of household.
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A __________ is represented by a company that offers to collect its products from its customers for no charge when those customers want to dispose of them.
A take-back is represented by a company that offers to collect its products from its customers for no charge when those customers want to dispose of them.
A take-back system is one of the primary channels of waste series, in particular for e-waste, besides municipal sites. Take-returned is the concept that producers "take again" the goods which can be on the cease of their lives.
Take-back is aimed to reduce a business' environmental influences on this planet and additionally growth performance and decrease costs for their commercial enterprise models. Take-back regulations have centered a big selection of merchandise along with packaging, batteries, cars, and electronics" and economic costs may be discovered from recycling or re-manufacturing such products.
The packages gain municipalities by means of reducing their overall waste disposal fees and decreasing the weight on landfill sites. Although for sure agencies, the take-back system is obligatory below legislation, many do it voluntarily.
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In present value calculations, the process of determining the present value of a single sum of money is called:____.
a. pricing.
b. discounting.
c. allocating. n
d. egotiating.
In present value calculations, the process of determining the present value of a single sum of money is called negotiating.
Negotiation is the dialogue between two or more persons or parties to reach a beneficial outcome on one or more disputed issues. It is an interaction between entities trying to come to an agreement on common interests. A contract may be beneficial to all or some of the parties involved.
Negotiation is a strategic discussion to resolve a problem in a way acceptable to both parties. In negotiations, each party tries to persuade the other to share their point of view. Through negotiation, all parties try to avoid conflict, but agree to compromise in some way.
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