The beneficiary of a credit life insurance policy is the lender that provided the funds for the debt being insured.The lender is the sole beneficiary,so your heirs will not receive a benefit from this type of policy.
A beneficiary can either be your offspring or financially dependent family members like your spouse,aging parents,siblings,etc.A beneficiary can also be a financial institution like a bank who has given you a loan or other finance.Credit life insurance is issued on the life of the person who has the debt debtor and the creditor owns and is the beneficiary of the policy. There are two scenarios for endowment policy maturation.That is, the insured party should not be the owner of the policy,but rather,the beneficiary should purchase and own the policy. If your beneficiary such as your spouse or children purchases the policy and pays the premiums,the death benefit should not be included in your federal estate.
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Which tool helps to continuously keep track of the status of the system in use in order to have the earliest warning of problems and to improve service?
A SIEM system also improves incident management by assisting the security team of the firm in determining the path an attack hits across the network and identifying it.
Can security issues be continuously monitored for and detected by us?An technique to threat intelligence known as continuous monitoring (CSM) automates the surveillance of information security, flaws, and other cyberattacks to aid organizational risk management choices.
Which one of the below is a tool for continuous monitoring?One of the technologies used by DevOps for continuous monitoring is Nagios. The open-source tool is extensively employed. Nagios can help with system, application, and business process monitoring in a DevOps environment.
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What are the 3 characteristics of an NGO?
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Question 13 Minimum attractive rate of return refers to The rate of return achievable from a safe government bond. The rate of return that must be equaled or exceeded to render an investment attractive The rate of return guaranteed on a bank savings account The lowest rate of return required to attract foreign capital. A) В) С) Question 14: All of the following are examples of cash inflows except: A) в) Income taxes Asset salvage value Operating cost reduction Construction cost savings Question 8 Items which are not easily expressed in terms of dollars are called: A) В) Indirect costs Variable costs Intangible costs Legal issues Question 9 Interest that is calculated using only the principal is called? Simple interest Effective interest A) В) C) D) Add-on interest Compound interest Question 15: All of the following are interest rates except: A) B) C) D) Return on investment MARR Accrued interest Rate of return
The rate of return that must be equaled or exceeded for an investment to be attractive.The guaranteed rate of return on a bank savings account is the lowest.
According to the rules,I answer the first 4 subparts of question 13: b.The attractive minimum rate of return is the rate that is the minimum rate to which the attractive minimum rate of return refers OR.The rate of return that must be matched or exceeded to make an investment attractive OR The rate of return to discover patterns key economic and social factors (Piketty 2014).He finds that in contemporary market economies,the rate of return on investment is frequent.A callable bond is a bond that the issuer can redeem recaptu reprior to investment at a rate that will not return the same level of income.
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What is automation of repetitive task?
The term "automating" refers to the use of technology to carry out a process or task that was previously completed by humans. Employees won't have to spend their valuable time on monotonous chores thanks to automation.
Instead than focusing on the regular, mundane chores, employees can concentrate more on high-value activities. In addition, automation has the advantage of defining best practices, which prevents individuals from using their own judgment to complete a task. It has been defined and documented in detail. Additionally, automation speeds up workflow, lowering the possibility of human error and saving time and money.
The benefits of automating routine chores include: Consider all the routine tasks you perform every day, every week, or every month, such as setting up meetings, writing reports, and responding to emails. You would have more time and energy to devote to more crucial facets of managing your company, including producing money and hiring new staff, if someone could perform all of these responsibilities automatically.
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What is income tax and corporate tax?
The burden of paying income tax is typically attributed to the individual paying it, whereas public and private firms are required to pay corporate taxes on their profits.
What exactly are direct and indirect taxes?Direct taxes are imposed on one's income and earnings and are remitted directly to the government. Indirect taxes, on the other hand, operate completely differently and are payed to the administration whenever one makes any expenditures of products or services.
What is an explanation of direct tax?The incidence and burden of the taxes are both imposed on the same entity in a direct tax. Direct tax is one type of tax where the burden cannot be transferred either by taxpayer to another party. These mostly consist of income or wealth taxes.
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Using all 26 letters of the alphabet, can you complete the following 13 words?
(You may use each of the 26 letters only once.)
1. b a __ __ a i n
2. l __ __ g e r
3. d y __ __ s t y
4. __ __ g o t e
5. s a __ __ e
6. d i __ __ p a n
7. p u m __ __ i n
8. d e __ __ a y
9. b o __ __ a r
10. d i __ __ i t
11. s u n __ __ r n
12. o b l __ __ u e
13. l i __ __ o f f
Below are the completion of the 13 words
1. b a __ __ a i n = bargain
2. l __ __ g e r = ledger
3. d y __ __ s t y = dynasty
4. __ __ g o t e = Zygote
5. s a __ __ e = Sabre
6. d i __ __ p a n = Dishpan
7. p u m __ __ i n = Pumpkin
8. d e __ __ a y = Defray
9. b o __ __ a r = Boxcar
10. d i __ i t = Digit
11. s u n __ __ r n = Sunburn
12. o b l __ __ u e = Oblique
13. l i __ __ o f f = Liftoff
What is an alphabet?A set of characters used to represent a language's phonetic structure is called an alphabet. The characters are typically placed in a specific order or sequence in most alphabets.
An alphabet is a set of basic written graphemes that are standardized and serve to represent the phonemes of specific spoken languages. In this case, the correct words are given above.
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What are the 3 most commonly used theories accepted today on intelligence?
The major theories of intelligence developed by some of the most well-known psychologists:
Two-Factor Theory of Intelligence.
Gardener's Multiple Intelligences.
Triarchic Theory of Intelligence.
Which major hypothesis governs intelligence?
He came to the conclusion that humans have a broad kind of intelligence, or g-factor, which can develop into more specialized forms of intelligence, as assessed by the s-factor.
The G-factor, which calculates a person's abilities in one specific area from their s-factor scores,
Which theories of intelligence are current?
Eight different types of intelligence are put forth by the MI Theory: linguistic, logical-mathematical, spatial, bodily-kinesthetic, musical, interpersonal, intrapersonal, and naturalistic.
The idea of extra intelligences, such as spiritual and existential intelligences, has also been investigated by Gardner (1999a, 1999b).
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Why real output increases when both taxes and government purchases increased by the same amount?
This is true because when the government spends money, it directly buys things, causing the aggregate demand to increase by the whole amount of the change in spending. Instead, there is an increase in disposable income when taxes are decreased.
All government purchases, investments, and transfer payments are included in what is known as government spending or expenditure. Government final consumption spending is defined in national income accounting as the purchase by governments of goods and services for immediate consumption, to primarily meet the individual or collective needs of the society.
Government acquisition of goods and services intended to create future benefits, such as infrastructure investment or research spending, is classed as government investment (government gross capital formation).
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which balance sheet line item has the highest percentage increase from 2019 to 2020? 2020 2019 cash $ 30,000 $ 20,000 accounts receivable 10,000 40,000 inventory 60,000 30,000 prepaid insurance 10,000 15,000 property, plant
Assets will rise by $10,000 towards $100,000 as a result of the $10,000 acquisition of equipment (an asset).
Which inventory do you refer to?All the goods, commodities, and supplies that even a company keeps on board with the goal of selling it for a profit are referred to as inventory. Example: Just the paper will be regarded as inventory if a paper vendor utilizes a vehicle to distribute newspapers to clients. The vehicle will be regarded as an asset.
What does inventory provide as a means for?The main goal of inventory is to ensure that there is always a consistent supply of products available for use. Your company should look for the perfect spot between excess and too little stock, without ever running out, in order to carry out this duty efficiently.
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What did the animals observe as they watched the pigs and humans argue from outside the window?
As the other animals watch through the window, they find they are unable to tell pigs and humans apart. The pigs have started to dress and behave exactly like humans.
Animals belong to the biological kingdom Animalia and are eukaryotic multicellular organisms. Animals, with very few exceptions, can move, breathe oxygen, eat organic matter, reproduce sexually, and go through ontogeny, in which their bodies are formed during development.
Embryo develops from a hollow, globular cell called a blastocyst. Many animals are used by humans for food, materials, livestock, and labor, including as a means of transport. Many terrestrial and aquatic species have been hunted for sport, as have dogs and raptors. Non-human beings have been depicted in art since time immemorial and are prominent in mythology and religion.
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jim sits on the board of directors of a corporation. he has told his neighbor that his company will soon announce a revolutionary new product that should double the company's revenues. as a result, his neighbor purchases the stock. jim does not purchase shares of the company. who may be liable for violating insider trading restrictions? qid: 3571133 mark for review a only the neighbor, since she is the person who bought the stock. b only jim, since he is the one who violated his duty to his shareholders. c both jim as the tipper and the neighbor as the tippee. d unless the neighbor profits on the transaction, neither person is in violation.
Both, Jim as the tipper and the neighbor as the tippee may be held liable for violating the insider trading information. Therefore, the option C holds true.
The practice of insider trading can be referred to or considered as an illegal activity to use price-sensitive information to individual benefit before the information is made available in the public domains. It is a highly punishable activity under law, which may lead to imprisonment or fine, or both to the one who undertakes an insider trade.
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taylor received a brochure in the mail that promoted a low-cost insurance plan for retired teachers. it did not come in an envelope but was a single page, folded and stapled. her address was written in a blank area on one side. this advertisement is an example of a
The mail that Taylor received, this advertisement is an example of a self-mailer.
Are free mailers offered by USPS?You may get boxes, stickers, forms, and more for nothing from the USPS. These environmentally friendly, pre-printed Tyvek® mailers, boxes, and envelopes can be used to ship products by Priority Mail and Priority Mail Express.
What constitutes a self-mailer, exactly?A Self-Mailer is any form of direct mail that does not need an envelope, as the name suggests. A self-mailer is made without the envelope so that the address and postage can be printed (or applied) directly on it.
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Describe the tools B-to-B marketers use to engage customers. What are the challenges with B-to-B social media marketing? How do you interact with a brand on social media? How is this different than a B2B brand engagement?
The key tool used by B2B marketers is CRM tools. CRM stands for customer relationship management tools. It is used to track customer order levels, usage level, communication strategy, social connects, and integrated marketing techniques.
B2B and business-to-consumer are frequently contrasted (B2C). In B2B commerce, the parties to the relationship frequently have comparable negotiating power, and even when they do not, each typically enlists the assistance of professional staff and legal counsel in the negotiation of terms, in contrast to B2C, which is significantly more influenced by the economic effects of information asymmetry.
Large organizations may, however, have several commercial, resource, and information advantages over smaller businesses in a B2B setting. B2B encounters particular difficulties at certain points. Organizations should be cautious to rely on the right mix of relational and contractual procedures when they are first formed.
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if a bond is currently selling for less than par value, then: qid: 3571191 mark for review a the current yield is lower than the nominal yield b the current yield is equal to the nominal yield c the current yield is higher than the nominal yield d interest rates are currently lower than when the bond was originally issued
C) If a bond is currently selling for less than par value, then the current yield is higher than the nominal yield.
When a bond is selling for less than par value, that means that the coupon rate of the bond is higher than the current market interest rate. This means that the current yield is higher than the nominal yield, or the coupon rate.
The yield of a bond is the rate of return that investors receive from the bond's interest payments. The nominal yield is the coupon rate of the bond, which is the stated rate of interest of the bond when it was issued.
The current yield is the amount of return that the investor is receiving from the bond in the current market. When a bond is selling for less than par value, the current yield is higher than the nominal yield because the coupon rate is higher than the current market rate. As a result, investors purchasing the bond receive a higher return from their investment.
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Discounting is the opposite of :
a. compounding
b.. future value where interest earns interests
c. present value of annuities
d. both a and b
Discounting is the opposite of compounding. Discounting is a technique used to estimate the present value of future cash flows.
The process of transforming a future sum into its present value is known as discounting. You could now be wondering what the present value is. Present Value is the current value of the specified future value. By using a discount rate, the discounting technique aids in determining the present value of future cash flows.
Difference between compounding and discounting is:
Compounding is a technique used to estimate a present amount's future value. Discounting is the process of calculating the present value of an amount that will be received in the future.Compound interest rates are used in compounding, whereas discount rates are used in discounting.What we will acquire if we invest a specific amount now in the future is referred to as compounding of a present amount. Discounting a future sum refers to how much we would need to invest now in order to receive a future sum of money.Know more about discounting:
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An increase in the quantity of resources available O a moves the economy to a new point down along a given PPF. O b moves the economy to a new point up along a given PPF. O C shifts the PPF rightward. O d shifts the PPF leftward.
An increase in the quantity of resources available shifts the PPF rightward. An increase in the available resources allows an economy to expand and hence the PPF shifts rightwards
The Public Provident Fund (PPF) was established in India in 1968 with the goal of mobilising small savings in the form of investment and providing a return on it. It is also known as a savings-come-tax savings investment vehicle because it allows one to save on annual taxes while building a retirement corpus. An economy is a collection of in jute related consumption and manufacturing operations that ultimately decide resource allocation within a group.
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What is the difference between absolute advantage and comparative advantage with examples?
For instance, if a nation excels in producing both chocolate and cheese they can choose to allocate the appropriate amount of labor to each product.
Why, even after using advantage, do I still see fleas?Your pet may still pick up new fleas from of the environment outside or from other animals, even after being treated with an effective flea control product like Front line Plus, Advantage, etc. On shoes or clothing, flea eggs or larvae can potentially be taken into the house.
Advantage or Front line: which is superior?Compared to Front line Plus, Advantage II eliminates pests 12 hours quicker and begins to work on cats one week earlier. Waterproof Front line Plus protects against ticks and chewing lice. Front line Plus offers comprehensive defense against all types of pests as well as severe infections.
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The man who wrote a biased account of the persian war is known as?
The man who wrote a biased account of the Persian war is known as "the Father of History".
The conflicts between Persia and Greece were covered by Herodotus. Herodotus travelled extensively when he was a young man, possibly as a merchant. Along the Black Sea's northern coast, he visited Greek colonies.
He traveled to Eastern Europe, where the Scythian's, a nomadic race, dwelt. He explored Egypt for a long time. He travelled through the eastern Mediterranean region, maybe stopping in Babylon, a city in Mesopotamia (now Iraq). Because he was intrigued, Herodotus tried to learn as much as he could about the non-Greek world.
Herodotus is referred regarded be the "father of history" since he was the first to compile an organised record of historical occurrences.
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What is the interdependence of the global economy?
A measure of the value of economic exchanges between two countries, or between a country and the rest of the globe, is referred to as economic interdependence.
Describe the global economy:
The total of economic activity that take place both within and between nations can be referred to as the global economy. With its own industrial production, labor market, financial market, resources, and environment, each country is an independent entity.
What influences the world economy?
The majority of economists agree that the growth and growth of the economy are influenced by four factors: human resource management, physical capital, natural resources, and technology. Authorities in highly developed nations give these challenges top priority.
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What are the main tools of monetary control that the central bank can use?
Central banks can regulate the amount of money in circulation through manipulating interest rates, creating new currency, and imposing reserve requirements on banks.
Briefing:-Open market operations and quantitative easing, which include selling or buying up government bonds and assets, are other strategies used by central banks.
What are the three monetary policy instruments?Open market operations, the discount rate, and reserve requirements are all within the Federal Reserve's jurisdiction.
What are the three methods by which the central bank regulates the money supply?Reserve requirements, the discount rate, and open market operations are the three instruments the Fed has historically used to implement monetary policy.
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What three technologies are needed for self autonomous driving?
A vehicle that employs a mix of sensors, cameras, radar, and artificial intelligence (AI) to move between locations without a human driver is referred to as a self-driving car.
The driver has the option to briefly relinquish control under certain circumstances? Table 1 lists the many categories for autonomous driving. The J3016 of the worldwide engineering and automotive industry association, SAE, and the Federal Highway Research Institute in Europe are the categories that have been adopted as standards. A, autonomous driving sometimes referred to as an autonomous car, driverless car, or robotic automobile (robo-car), is a vehicle that can move without the need for human intervention. Sensors like optical and thermographic cameras, radar, lidar, ultrasound/sonar, GPS, odometry, and inertial measurement units are used by self-driving automobiles to understand their environment.Autonomous vehicles are expected to have an impact on the auto business, as well as the health, welfare, urban planning, traffic, insurance, labour market, and other industries once the technology is more developed.
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What is the main purpose of a mobile phone?
A mobile phone is a wireless handheld device that primarily serves the function of allowing users to make and receive calls.
What is the main purpose of a mobile phone?The wireless hand-held communication device known as a mobile phone allows users to make and receive calls. Compared to earlier models, which could only make and receive calls, modern mobile phones were significantly more versatile. They now can support navigational systems, games, cameras, and video players.
What is the benefits and features of a cell phone?Mobile devices have made communication simpler because we can instantly contact friends, family, coworkers, and other people by simply pushing a few buttons. The ability to communicate with others via voice calls, video calls, text messaging, recorded calls, and many other methods is another benefit of using a mobile device.
Uses a battery to store power and runs without a direct electrical connection. employing cellular data, Bluetooth, or Wi-Fi to send and receive information wirelessly. includes a user interface, like a touchscreen or keyboard. features built-in data storage.
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What are the 3 types of user permissions you can choose from in QuickBooks Online accountant when adding new team members to your firm?
When you assign the standard user role, QuickBooks lets you choose the user's access rights. You can choose to give them all access, limited access or none.
Intuit created and sells the accounting software program suite referred to as QuickBooks. QuickBooks merchandise had been first launched in 1983 and are in general focused at small and medium-sized enterprises. They offer cloud-primarily based totally accounting programmes that take bills from companies, control and pay invoices, and take care of payroll similarly to on-premises accounting tools.
The authentic model of Quicken turned into now no longer a "double-entry" accounting programme. The Quicken codebase served as the muse for the DOS model of QuickBooks, which turned into launched initially. The In-House Accountant software program that Intuit had bought served as the muse for the Windows and Mac versions, which shared a awesome codebase.
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What are the four factors that affect interest rates?
Let's focus on five of the most crucial elements.
the health of the economy and people's readiness to save. In a free market with interacting supply and demand, interest rates are set. ...
What are the four variables that affect interest rates?A factor in the supply and demand of credit is the level of interest rates. Each form of loan has a different interest rate, which is determined by the loan's credit risk, term, tax implications, and convertibility.
Why do interest rates fluctuate?The economy's state is reflected in rate rises. Interest rates are raised and lowered by central banks to promote economic expansion and control inflation. They may increase rates in an effort to reduce inflation if it is high. They may decrease it if it's low.
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What is meant by a transition economy?
A third-world nation going through a process of transition to more liberal, market-friendly structures and related elements of liberal democracy.
What characteristics best describe a changing economy?Transitional economies are countries whose governments are now implementing macroeconomic changes to alter the way their economies are managed. It usually signifies a fundamental change away from an economy that is mostly governed by the state and toward one that is more influenced by the market.
The transition process' main components include liberalization, macroeconomic stabilization, privatization, and judicial and institutional changes.
What specifically is wrong with transition economies?The high level of market power concentration, which raises the risk of corruption, is a significant trait of transition economies. The corruption in these transition countries is arguably the biggest barrier to their social and economic progress.
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a sales breakpoint of a mutual fund is: qid: 3571175 mark for review a the minimum dollar amount of a purchase of a mutual fund where a volume discount is given b the minimum share amount of a purchase of a mutual fund where a volume discount is given c the point at which a letter of intent can be obtained d the point at which a letter of intent can be backdated
a. The sales breakpoint of a mutual fund is the minimum dollar amount of a purchase of a mutual fund where a volume discount is given.
This discount can vary depending on the mutual fund company and the fund itself but typically ranges from $50,000 to $1 million. Investors who make a purchase of a mutual fund at or above the breakpoint will be eligible to receive the volume discount, which can be up to a few percentage points.
For example, if the breakpoint for a fund is $100,000, an investor who makes a purchase of $100,000 or more will be eligible for the volume discount. The breakpoint does not refer to the minimum share amount of a purchase, nor is it the point at which a letter of intent can be obtained or backdated.
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What are the 4 types of customers in customer service?
A recognized and UK Ofqual-regulated qualification that is entirely online and competence-based is the Level four NVQ Diploma of Customer Service (RQF).
What is customer service?Customer care is the assistance you provide to your clients so they have a simple and pleasurable interaction with you, both prior to and after they purchase and utilize your goods or services. Providing outstanding customer service is crucial if you want to keep consumers and expand your clientele.
What qualities of good customer service?the fundamentals of outstanding customer service. Customers will have a positive opinion of you if you pay attention to them, recognize their needs, thank them, and foster an environment that is kind, helpful, and cheerful. A satisfied customer will likely make more purchases and return frequently.
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when compared to other financial institutions, one advantage a credit union may have is: question 12 options: credit cards. interest-bearing checking accounts. flexible-rate loans variable-rate savings plans lower loan rates.
Credit unions and banks provide money market accounts, which offer the features and benefits of both checking and savings accounts.
What does a typical initial credit card credit limit look like?First-time credit card users typically have low credit limits. For a first credit or debit card, a loan amount of $500 to $1,000 is typical; but, if you have, for example, a record of on-time transportation fee on your credit report, your credit limit may be greater.
Is acquiring a credit card worthwhile if you never use it?Yes. Those active credit card accounts will probably have a beneficial effect on your credit ratings as long as you keep making all of your payments on time and take care not to overextend yourself.
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Which 2 options are benefits of using the recurring transactions feature in QuickBooks online?
QuickBooks Online has a feature called recurring transactions that helps you save time and cut down on errors. You can set up invoices to produce automatically for subscription-type customers, automate the drafting of checks or inputting bills, and more by using recurring transactions.
Intuit created and makes available for purchase the QuickBooks accounting software suite. Initially available to small and medium-sized businesses, QuickBooks products were introduced in 1983. QuickBooks is a user-friendly accounting tool for small businesses that eliminates the need for manual data entry by organising and keeping track of your financial data for you.
QuickBooks automates every step of the accounting process, including bookkeeping, invoicing, time tracking, handling Value Added Tax (VAT), budgeting, bank reconciliation, and inventory management. The most crucial item on this list is the one that impacts one of the accounts on your chart of accounts, which is affected by each transaction you enter into QuickBooks. For your financial reporting, your chart of accounts acts as the framework. Significant reports, such as the Profit & Loss and Balance Sheet reports, are produced using it.
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your retirement account earns 7%, compounded quarterly. how much must the account contain when you retire if you want to withdraw $4000 at the end of each quarter for 30 years?
Your retirement fund earns 7% on a quarterly compounded basis. In order to withdraw $4000 every year for 30 years, we must have $228128.2 there in account.
How do Withdrawal effects work?In some circumstances, requirements must be satisfied in order to withdraw money without incurring fees, and fees for exit tax typically apply when a provision of an acquisition deal is broken.
What is a withdraw example?Individuals could experience side effects as they stop and use a narcotic or cut back on their intake. For instance, if you skip your daily cup of coffee, you can experience the weariness, headache, and irritability associated with caffeine consumption. The signs of withdrawal point to a dependency on the substance.
Briefing:d=$4000
r=7%=0.07
r=0.07/4=0.0175
t=30
Number of withdrawals overall N=12^* 30=360
= d(1-(1+r)^(-N) )/r
0=4000(1-(1+0.0175)^(-360) )/0.0175
=4000(1-(1.0175)^(-360) )/0.0175
Withdrawal = 228128.2
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