An insurance company needs to obtain personal information from third part concerning an applicant which law do all insurers and their producers need to comply with Fair credit reporting act.
The Fair Credit Reporting Act, of U.S.A. is that allows customers the right to get knowledge on the substance, nature and sources of information collected on him and if already have any corrected information on him gets re-investigated.
The Fair Credit Reporting Act (FCRA) is a that federal law which regulates the collection of consumers' credit information and access to their credit reports also.
It was passed in 1970 to address the accuracy, fairness and privacy of the personal information contained in the files of the credit reporting agencies.
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If the labor force becomes more productive over time, how would the long-run aggregate supply curve be affected
Explanation:
as the labor force become more productive over time how long run aggregate supply cruve shift to the right
What method of inventory valuation matches each unit on hand at the end of the period with its actual cost?
The specific identification method of inventory costing matches each unit with its actual cost.
What is specific identification method?The unique identification approach is related to inventory valuation, specifically tracking each individual item in inventory and assigning costs separately rather than grouping products together. When a corporation can identify, mark, and track each item or unit in its inventory, it is functional and usable.
Individual inventory items are tracked using the unique identifying mechanism. When individual objects can be clearly identified, such as with a serial number, stamped receipt date, bar code, or RFID tag, this method is appropriate.
The particular identification inventory valuation method is a mechanism for tracking each individual item in an inventory from the time it arrives until it leaves.
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Because political risk is seldom negotiable, it cannot be explicitly addressed in multinational corporate financial analysis. True False
This is false Because political risk is seldom negotiable, it cannot be explicitly addressed in multinational corporate financial analysis.
Political risk is the possibility that a country's political unrest or changes could have a negative impact on an investment's results. A change in the executive, judicial, legislative, or military branches of government could cause instability that would have an impact on investment returns.
Government policy adjustments to alter controls imposed on exchange rates and interest rates may result in political dangers. Additionally, lawful government acts like limitations on pricing, outputs, activities, and currency, and remittance restrictions might result in political risk.
Political risks can thus be classified into two categories, such as macro risks and micro risks, based on the situations.
Political risk for multinational corporations is the possibility that the host nation will take political actions that prove to be detrimental to the company's objectives or financial performance.
A multinational corporation (MNC) that grows globally faces risks specific to the various nations and regions in which it seeks to operate, such as institutional failures, criminality, political instability, and violence, as well as changes in currency exchange rates.
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According to macroeconomic theory, evidence that high unemployment may be accompanied by low inflation, and low unemployment may be accompanied by high inflation is illustrated by the
The Keynesian Phillips curve tradeoff illustrates the fact that a high unemployment may be accompanied by low inflation and that a low unemployment may be accompanied by high inflation.
What is the Keynesian Phillips curve tradeoff?The Keynesian Phillips Curve Tradeoff is the graph that shows the relationship between an unemployment rate and Inflation rate and explains that If one is higher, the other must be lower.
As Keynes argued that an inadequate overall demand could lead to prolonged periods of high unemployment, because of this, the Keynesian macroeconomics argues that the solution to a recession is expansionary fiscal policy that shifts the aggregate demand curve to the right.
Hence, this curve tradeoff is one that illustrates the fact that a high unemployment may be accompanied by low inflation and that a low unemployment may be accompanied by high inflation.
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Glenna has been charged with arson of a storage building. the prosecutor must prove glenna's guilt?
Answer is beyond reasonable doubt.
The legal burden of proof necessary to uphold a criminal conviction is beyond a reasonable doubt. In the criminal proceeding, the prosecution carries the burden of demonstrating beyond all the reasonable doubt that the defendant is guilty for. This connotes that prosecution must persuade the jury that the evidence presented at the trial cannot be explained in any other way.
In other words, in order to return a guilty conviction, the jury must be almost confident of the defendant's guilt. This is a far higher threshold of proof than what the civil requirement is, it is known as the "preponderance of the evidence," that simply needs a certainty greater than 50%.
Therefore, the answer is beyond reasonable doubt.
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Calculate the time in months it would take for a 1500 dollar investment in a tsfa to grow to a 1545 if the simple interest at a rate paid was 2%
It would take 17 months and 14 days for the investment to grow to $1545.
Solution-
To determine the time in months it would take for a $ 1500 dollar investment in a TFSA to grow to $ 1545 if the simple interest at a rate paid was 2% per annum,
The following calculation must be performed:
First, you must obtain 2% of 1545 to determine the interest generated per year.
$1545 x 2/100 = X
$30.9 = X
Then, a cross multiplication must be carried out considering the number of months it took to generate said interest, and compare it with the interest that arises from the subtraction :
1545 - 1500, that is, 45.
Then,
30.9 = 12
45 = X
45 x 12 / 30.9 = X
540 / 30.9 = X
17.47 = X
1 = 30
0.47 = X
14 = X
Therefore, it would take 17 months and 14 days for a $ 1500 dollar investment in a TFSA to grow to $ 1545.
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What document s must be filed with the state to form a limited liability company?
You must submit a document to the state agency in charge of handling business files in your state in order to create your LLC as a legal entity. This document is known as the articles of organization in the majority of states, while other states go by other names, including certificate of establishment.
What is LLC and how does it work?
In the United States, a limited liability company (LLC) is a sort of corporate structure that protects its owners from being held personally accountable for the debts or obligations of the business. Legal entities known as limited liability firms combine aspects of corporations, partnerships, and sole proprietorships.
How long will it take to form an LLC?
In general, LLC formation takes 3-5 business days. Depending on the state, the season, and other uncontrollable conditions, turnaround times can reach several weeks. You can phone the Secretary of State's office in your state to get a price quote.
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According to information gathered in 2013, the reported total savings and investments across all ages of workers indicated that most people have saved _____ for retirement
According to information gathered in 2013, the reported total savings and investments across all ages of workers indicated that most people have saved less than 10,000 for retirement.
The safest way to invest your pension assets is a low-risk investment and savings opportunities with guaranteed growth. Low-risk investment and savings options include annuities, savings accounts, CDs, government bonds, and money market accounts. Of these, fixed annuities usually offer the best interest rates.
Social Security benefits are the most important source of lifetime income for many of today's retirees. Social Security benefits can start at age 62 or be deferred until age 70, but the monthly amount you receive depends on your retirement age.
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When the lessee pays the operating expenses, the insurance premiums and the real estate taxes, the lease is a _____________ lease. group of answer choices net-net-net net graduated-rent net-net
When the lessee pays the operating expenses, the insurance premiums and the real estate taxes, the lease is a net-net-net lease.
What does net net net mean in a lease?
In a triple net lease, also called a net-net-net lease, the renter is responsible for both the rent and the three additional costs. With net leases, rents are typically lower than with standard leases; the more the tenant's expenses, the lower the base rent the landlord will demand.
Is a triple net lease a good idea?
A cheaper base lease price is the most evident advantage of using a triple net lease for a tenant. A triple net lease has a lower monthly rent than a gross lease because the tenant is covering at least some of the taxes, insurance, and maintenance costs.
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Compared to a perfectly competitive firm, the demand curve facing a monopolistically competitive firm is.
The marginal revenue and demand curves of a perfectly competitive firm are the same; the marginal revenue curve of a monopolistically competitive firm is lower than its demand curve. If a monopolistically competitive firm charges a low price, its marginal revenue can be negative.
What is the demand curve of a monopolistic competitor?A monopolistic competitor faces a downward-sloping demand curve, which means that the monopolistic competitor can raise its price without losing all of its customers or lower the price and gain more customers.
What happens when a monopolist raises the price of a product?If a monopolist raises its price, some customers will choose not to buy its product—but they will then have to buy something completely different. When a monopolistic competitor raises its price, some customers choose not to buy the product at all, while others choose to buy a similar product from another company.
What is the difference between monopolistic and perfect competition?In perfect competition, the demand and supply forces determine the price for the whole industry and every firm sells its product at that price. Entry and Exit are comparatively easy in perfect competition than in monopolistic competition.
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The ________, the difference between the interest rate on baa corporate bonds and u. s. treasury bonds. rose sharply during the great depression
The credit spread, the difference between the interest rate on baa corporate bonds and u. s. treasury bonds. rose sharply during the great depression.
The yield difference between a U.S. Treasury bond and another debt security with the same maturity but a different credit rating is known as a credit spread. spreads on credit between the U.S.
A credit spread is another name for an options strategy in which, on the same underlying security, a high premium option is written and a low premium option is purchased. As a result, the account of the individual performing the two trades receives credit.
Without the banks, which supported the 1920s credit boom, the uncontrolled speculation that caused the 1929 crash and the Great Depression that followed could not have occurred. To sustain continuous production increase, new enterprises that produce things like autos, radios, and refrigerators borrowed money.
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The _____________ objection occurs most often when the buyer doesn't understand how the features of the product or service might be applied to benefit the buyer.
The Product/Service Objection objection occur most often when the buyer doesn't understand how the features of the product or service might be applied to benefit the buyer.
What is a common objection?
Price-based common sales objections. The most frequent kind of opposition to a sale is price. "How much will this thing set me back?" – Every possible prospect. Prospects that are genuinely interested in purchasing will nevertheless protest the price and complain that it is too high or make hints that they would like it for a lower price.
What is product or service objection?
When a prospect expresses concern about the good or service a salesperson is offering, objection management occurs when the salesperson reacts in a way that allies the concern and permits the deal to proceed. Price, product fit, or rivals are the most frequent points of contention.
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Carla, a 52-year-old software engineer, has been laid off twice in her life, once because of downsizing and once because of the acquisition of her organization by a rival company. She has now hit a career plateau after working with her current employer for five years. Carla is frustrated; each time she has changed jobs, she has adapted and acquired more skills and expanded her knowledge base. Which of the following patterns best describes Carla's career progression?
a. A cycle of stability and instability b. A self-reflective spiral c. A linear progression interrupted by transitions d. A series of successive plateaus
Answer:
A. A cycle of stability and instability
Explanation:
Carla has experienced the cycle of stability and instability because she has had ups and her downs in her career progression.
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True or false? companies purchase insurance to reduce the impact of threats. true false
TRUE, companies purchase insurance to reduce the impact of threats.
Insurance is protection against financial loss. It is a form of risk management used primarily to hedge the risk of potential or uncertain losses. Companies that provide insurance are known as insurers, insurers, insurers, or underwriters.
Insurance is a way of managing risk. When you buy insurance, you are buying protection against unexpected financial losses. If something bad happens to you, the insurance company will pay you, or someone you choose. If you do not have insurance and an accident occurs, you can pay all related costs.
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While stockholders elect the board of directors of a corporation, the board of hires the president, vice president and other officers, who manage the corporation.
The answer is directors.
What entity elects the board of directors for a corporation?The corporation's stockholders elect its board of directors, but they play no other direct role in how the company is run. The board makes the important company decisions of directors.The president of a corporation is chosen directly by its stockholders.In addition to their duty as members of the board of directors, the officers are charged with particular duties. President As the company's chief executive officer, the president, is responsible for the following duties: Preside over board meetings. Served as the executive committee's chairman.The promotion of the organization's work and the recruitment of resources to support its programs and services are some of the duties of board members.While stockholders elect the board of directors of a corporation, the board of hires the president, vice president and other officers, who manage the corporation.
The answer is directors.
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A _____ typically provides information so that an organization can make a decision about a product, procedure, or policy.
Answer:
A proposal typically provides information so that an organization can make a decision about a product, procedure, or policy.
What is kyle's marginal propensity to save if his saving increases by $200 after receiving a $1,000 increase in salary?
Kyle's marginal propensity to save if his saving increases by $200 after receiving a $1,000 increase in salary is 0.2.
The change in household savings when disposable income rises by one dollar is measured by the marginal propensity to save (MPS). According to the MPC notion, which is a number between 0 and 1, customers often spend only a portion of a dollar's worth of additional disposable income. Customers preserve their extra discretionary income instead of using it. In light of this, the marginal propensity to save (MPS) is the portion of the extra dollar of discretionary income that is saved. Most frequently, Keynesian economic theory uses MPS. It is simply determined by dividing the observed change in savings given a change in income:
MPS = ΔS/ΔY
Where S represents the change in savings, and Y represents the change in income. so 200/1000 would give us 0.2 as the answer above.
The number for MPS can be subtracted from the MPC since there is an inverse relationship between the marginal propensities to spend and save.
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1) The text defines the elements of team effectiveness. Mary notes that although Courtney appears to influence others on the team to get a lot of positive attention, her decision not to include others on the team in some of her decisions may have impacted the team's _____________________.
The text defines the elements of team effectiveness. Mary notes that although Courtney appears to influence others on the team to get a lot of positive attention, her decision not to include others on the team in some of her decisions may have impacted the team's Efficacy. (Option D)
What is team effectiveness?When a team stays cohesive, and in unity, working together towards a common goal and achieving those goals using the least effort and cost possible, such a steam is said to be effective or efficacious.
What are the factors that can boost Team Effectiveness?
Some of the factors that can lead to team effectiveness are:
Proper communicationRespect for Rules Respect for hierarchyRespect for one another etc.Learn more about Team Effectiveness at;
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Full Question:
The text defines the elements of team effectiveness. Mary notes that although Courtney appears to influence others on the team to get a lot of positive attention, her decision not to include others on the team in some of her decisions may have impacted the team's _____________________.
A. size
B. goals
C. common purpose
D. efficacy
E. leadership and structure
The process by which an organization determines where it is going in the future, how it will get there, and how it will assess whether and to what extent it has achieved its goals is known as?
When a company determines its direction in future, how it will get there, and the extent to which it achieved its goals, this is Strategic planning.
What is strategic planning?This refers to anything that has to do with company activities relating to their future goals and plans.
It therefore includes formulating goals and plans as well as figuring out how to reach those goals and finally, how to evaluate their success.
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In the keynesian-cross model, if the mpc equals 0.75, then a $1 billion decrease in taxes increases planned expenditures by ______ and increases the equilibrium level of income by _______
In the Keynesian-cross model, if the MPC equals 0.75, then a $1 billion decrease in taxes increases planned expenditures by $1 billion and increases the equilibrium level of income by more than $1 billion.
The Keynesian-cross model, determines the equilibrium level of real GDP by the point where the total expenditures in the economy are equal to the amount of output produced.
The MPC is the money people spend when they get an extra dollar of income. When MPC = 0.75, then a $1 billion decrease in taxes increases planned expenditures by $1 billion and increases the equilibrium level of income by more than $1 billion.
Hence, the Keynesian-cross model explains the MPC.
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A decrease in investment spending at each price level will shift the aggregate ______.
Answer:
A decrease in investment spending at each price level will shift the aggregate demand curve to the left
Three possibilities are equally likely and have payoffs of $3, $6, and $9. the expected value is:_________
When three possibilities are equally likely and have payoffs of $3, $6, and $9. Then the expected value will be $6.
What is Expected Value?
Expected value refers to when you play the game it will tell you the probability or winning chance and amount to win.
Hence, in the above questions, there are equally likely possibilities.
So, in this case, the probability for each possibility is 1/3.
We can calculate the expected value (EV) as:
EV=((1/3) x $3) + ((1/3) x $6) + ((1/3) x $9)
=1 + 2 + 3
=$6
Therefore, the expected value will be $6 when three possibilities are equally likely and have payoffs of $3, $6, and $9.
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Which file should you edit to limit the amount of concurrent logins for a specific user? (tip: enter the full path to the file. )
Use /etc/security/limits.conf file to limit amount of concurrent logins for a specific user.
Use the /etc/security/limits.conf record to restrict aid use for all packages. That is from the pam_limits module of the Plugable Authentication Modules (PAM) module set. Entries in /etc/security/limits.conf comprise the subsequent: Entity type limit value.
A pluggable authentication module (PAM) is a mechanism to combine multiple low-level authentication schemes right into an excessive-stage Application programming interface (API). PAM allows applications that depend on authentication to be written independently of the underlying authentication scheme.
A module is a software program component or a part of an application that includes one or greater routines. One or more independently developed modules make up an application. A company-level software application may contain numerous one-of-a-kind modules, and each module serves unique and separate business operations.
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Some firms, such as goldman sachs and morgan stanley, who were highly exposed to mortgage-backed securities, became ______ to qualify for emergency loans. multiple choice question.
Some firms, such as Goldman Sachs and Morgan Stanley, who were highly exposed to mortgage-backed securities, became Bank holding companies & commercial to qualify for emergency loans.
A bank holding company is a legal entity that owns a controlling interest in one or more banks but does not itself provide banking services. A holding company does not carry out the day-to-day operations of the owning bank. However, they control management and company policy.
A bank holding company is a company that controls one or more banks but does not necessarily conduct banking itself. Composite Bancorp is also commonly used by these companies.
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With reference to the communication process, the ________ is the medium through which the message travels
With reference to the communication process, the communication channel is the medium through which the message travels.
Communication channels are those mediums through which you can send a message to its intended audience. For example, phone calls, text messages, radio, video, emails, and social media are all types of communication channels.
In a company, communication channels keep information flowing efficiently. A breakdown in any channel, such as phone lines being down, could leave your employees and customers being seriously misinformed or left in the dark.
Effective communication channels can enhance the productivity as well as help in making better decisions as a team.
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What is the relationship between the ask phase of the data analysis process and the plan phase of the data life cycle? how are they similar? how are they different?
The "Ask" phase of the data analysis process and the "Plan" phase of the data lifecycle are closely related stages in the data handling journey.
Both involve defining objectives and strategies. In the "Ask" phase, analysts outline specific questions and goals they aim to address with data. In the "Plan" phase, data management strategies are devised to ensure data quality, security, and compliance, aligning with analysis needs.
While both involve goal-setting, the "Ask" phase leans towards analysis objectives, whereas the "Plan" phase focuses on logistical aspects like data collection, storage, and security. Overall, these phases synergize to bridge analytical ambitions with practical execution.
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How will a new law mandating an increase in required levels of automobile insurance affect the equilibrium price and equilibrium quantity in the market for new automobiles?.
Equilibrium price will fall; equilibrium quantity will fall.
What does Equilibrium price mean?
An Equilibrium price, also known as a market-clearing price, is the consumer cost assigned to some product or service such that supply and demand are equal, or close to equal.
The manufacturer or vendor can sell all the units they want to move and the customer can access all the units they want to buy.
What is Equilibrium quantity?
Equilibrium quantity is when there is no shortage or surplus of a product in the market.
Supply and demand intersect, meaning the amount of an item that consumers want to buy is equal to the amount being supplied by its producers.
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The maximum amount of money that a single commercial bank can lend is equal to its ______
The maximum amount of money that a single commercial bank can lend is equal to its excess reserves.
If a bank lends out all of its excess reserves, it can be expected that those excess reserves will soon be lost to other banks. this illustrates why banks cannot safely lend beyond their excess reserves.
The amount that a commercial bank can lend is determined by its: excess reserves. a commercial bank can expand its excess reserves by demanding and receiving payment on an overdue loan.
A money multiplier determines the limit to which a single bank can increase the money supply. across the banking system, you can add up to 10x the original currency multiplier.
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A bull market is characterized by: ________.
a. low returns.
b. economic slowdown.
c. lack of growth.
d. falling stock prices.
e. investor optimism.
A bull market is characterized by e. investor optimism.
In 2022 stock buyers suffered their worst beginning to 12 months considering the fact that in 1970, the S&P 500 fell 21 percent at some point in the first half of 2022. The broadly tracked stock marketplace index fell into undergoing marketplace territory on June thirteen after the last extra than 20 percent beneath its high reached in early January.
A bull marketplace takes place when securities are on the upward thrust, even as a endure marketplace happens whilst securities fall for a sustained time frame. it's vital to apprehend the differences between bull and endure markets and the way they affect your funding choices.
A bull marketplace is a period of time in monetary markets while the rate of an asset or safety rises constantly. The generally widely widespread definition of a bull market is while stock expenses upward push by means of 20% after declines of 20% every.
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Question 2 of 10
FBLA-PBL state chapters usually have a number of elected.
represent the state's various regions.
OA. Treasurers
OB. Presidents
OC. Secretaries
OD. Vice Presidents
who
SUBMIT
FBLA-PBL state chapters usually have a number of elected, treasurers who represent the state's various regions. Thus, option A is correct.
What is FBLA-PBL?FBLA-PBL stands for Future Business Leaders of America-Phi Beta Lambda, whose main goal is to develop some business opportunities and strengthen the basis of kids and give them opportunities for growth and development.
FBLA-PBL state chapters are an organized body that typically represents and bring the name forward for the person that can be elected to be the treasurer, where they plan and execute a trip and select the worthy candidates. Therefore, option A is the correct option.
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Answer:
D. Vice Presidents
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