The conceptual framework is intended to establish the relationship between the key concepts of a research study. This includes the relationship between the variables, the assumptions, and the ideas underlying the study.
What is this system ?The conceptual framework is a system of interconnected concepts and objectives that define the study's research topic and design.
It serves as a structure or blueprint for the research that outlines the research problem, literature review, methodology, and findings. A conceptual framework is intended to establish the theoretical foundation for the study, outlining the key concepts and variables, and the relationship between them.
This helps researchers to identify gaps in current knowledge, set hypotheses, and evaluate their findings. The conceptual framework is essential for a successful research study, as it provides a clear understanding of the research problem and guides the research process.
It is developed based on existing literature and theories in the field and helps researchers to organize and structure their ideas, assumptions, and findings.
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An annuity which is backed by a life insurer's separate account is called a(n)
-403(b) plan
-variable annuity
-equity indexed annuity
-immediate annuity
Variable annuity is the correct answer.
What is a variable annuity?An annuity that is backed by a life insurer's separate account is called a variable annuity. Variable annuities are insurance contracts that offer a range of investment options within the annuity. The funds are invested in the insurer's separate account, which is typically composed of stocks, bonds, or mutual funds. The performance of the separate account determines the annuity's value and payout.
A 403(b) plan is a retirement savings plan available to employees of certain tax-exempt organizations, such as public schools, hospitals, and non-profit organizations. It allows employees to contribute a portion of their salary to a retirement account on a pre-tax basis, similar to a 401(k) plan. While variable annuities can be included as an investment option within a 403(b) plan, they are not synonymous.
An equity indexed annuity is a type of fixed annuity that offers a potential return based on the performance of a specific stock market index, such as the S&P 500. It provides a minimum guaranteed interest rate combined with the opportunity to earn additional interest based on the performance of the chosen index. While it is backed by an insurer, it is not specifically referred to as an annuity backed by a life insurer's separate account.
An immediate annuity is a type of annuity that begins paying out income to the annuitant shortly after the annuity is purchased. It is typically purchased with a lump sum payment and provides regular income payments for a specific period or the annuitant's lifetime. While immediate annuities can be backed by life insurers, the term does not specifically indicate that it is backed by a separate account.
Therefore, the correct answer is variable annuity.
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Which of the following would normally occur if a firm increases its investment in
current assets?
The firm's liquidity would be improved.
The firm's net working capital would decline.
The firm's liquidity would be worsened.
The firm's profit margin would improve.
If a firm increases its investment in current assets, the firm's liquidity would be worsened.
Current assets are assets that are expected to be converted into cash within one year. Examples of current assets include cash, accounts receivable, inventory, and prepaid expenses. Increasing investment in current assets such as inventory or accounts receivable ties up cash, which reduces liquidity. Liquidity refers to a company's ability to meet its short-term obligations as they come due. When a firm has less cash available due to increased investment in current assets, it becomes less liquid, making it more difficult to meet its short-term obligations.
Therefore, option C - the firm's liquidity would be worsened - is the correct answer.
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Which of the following factors would make the demand for a good elastic?
The good is a necessity.
The consumer does not have much time to shop for alternatives.
The good has many substitutes.
The good is only produced by one company, a monopoly.
Answer:
The god has manmyuuuu substitustes
Explanation:
A list of reasons on why could it take 36 years and $61,060 to pay off a $10,000 credit card dept.
Help I need the answer fast
Answer:
This is due to compound interest on the credit card bills.
Explanation:
Credit card debt of $10,000 is repaid when its due. The bank lends the credit card amount and then charges interest on the debt amount. The compound interest is added to the debt amount and then future value of the debt is greater than the present value.
Problem statement
• The owner of a real estate who owns high rise buildings wants
a system that will allow his employees to rent out his building’s
apartments to people.
• A Customer who is inte
A Customer who is interested in renting an apartment from the real estate owner requires a user-friendly system that enables them to search for
available apartments, view detailed estate information about each apartment (e.g., number of rooms, amenities, location), submit rental applications, and track the status of their application. The system should provide a seamless and efficient process for the customer to communicate with the real estate company, schedule property tours, sign employees rental agreements electronically, and make rental payments. Additionally, the customer may also require buildings access to relevant documents such as lease terms, rules, and regulations.
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Adrienne is part of the senior management team at a company in which ____________ since her appointment __________ both morale and client-satisfaction have dramatically improved. Among her driving principles are the idea that people work better when they are both motivated and empowered to reach their goals, that each team member must contribute fully, and that when she has to make a key decision, everyone knows why she is making it. She is a useful example of how __________ works.
Answer:
improvements were clearly evident; as; democratic leadership style
Explanation:
What this means is that;
"Adrienne is part of the senior management team at a company in which improvements were clearly evident since her appointment, as both morale and client-satisfaction have dramatically improved. Among her driving principles is the idea that people work better when they are both motivated and empowered to reach their goals, that each team member must contribute fully, and that when she has to make a key decision, everyone knows why she is making it. She is a useful example of how democratic leadership style works."
Note, a democratic leadership style is one in which the manager or leader allows participation from his subordinates; in other words, it is a participative form of leadership.
The fee to notarize a Warranty Deed is charged on the settlement statement to:
the buyer
the listing broker
the seller
the buyer and seller
The fee to notarize a Warranty Deed is charged on the settlement statement to the buyer.
In a real estate transaction, the fee to notarize a Warranty Deed is typically included on the settlement statement and charged to the buyer. This fee covers the cost of having the Warranty Deed notarized, which is a legal requirement in many jurisdictions to ensure the validity and authenticity of the deed. The buyer is responsible for paying this fee as part of the closing costs associated with the purchase of the property. It is important for the buyer to review the settlement statement and be aware of the notarization fee and other closing costs before finalizing the transaction.
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What challenges might we face in case we chose profession that does
not meet our interest and capacity?
We can't enhance our best on that profession. Financial concerns, job uncertainty and worry of failure are all frequent challenges students face when selecting a career. The reality is, no one is aware of what the world will seem like 10 or 15 years from now.
Why is it tough to pick out a career path?Lack of Experience
Limited work trip is some other motive why you may find it hard to choose your profession path. There are situations when speakme with human beings who work in a profession you're involved in pursuing is not enough. You can overcome this hurdle by using potentially participating in additional training.
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https://brainly.com/question/24418407#SPJ9What are the six basic step of the problem solving process?
Answer:
Step 1: Identify and define the problem.
Step 2: Generate possible solutions.
Step 3: Evaluate alternatives.
Step 4: Decide on a solution.
Step 5: Implement the solution.
Step 6: Evaluate the outcome.
Answer:
First step: You must identify AND define the problem.
Second Step: You must generate, or brainstorm, possible solutions to your problem.
Third Step: Evaluate your alternatives.
Fourth Step: You must decide on a solution.
Fifth Step: Implement the solution of your choice.
Sixth Step: Finally, evaluate the outcome.
True or false genres or categories of repertory, do not necessarily transfer from one society to the next though they may be similar. Music
Answer:
True
Explanation:
Considering the style and function of music in society, researchers have found out that music is used for different specific purposes, in every different society as well.
In other word, there is specific music for specific events, hence, it is TRUE that "genres or categories of repertory, do not necessarily transfer from one society to the next, though they may be similar."
Customers have more power when a product is sold in the ______ market
Customers have more power when a product is sold in the open market
What is an open market?An open market can be defined as the market were the price of goods and service is determine by the market competition which in turn means that price of goods and service are not determine or control by the government.
In this type of market customers have more power because they have to power to do and undo when it comes to market price or the price they want to buy their product.
Therefore Customers have more power when a product is sold in the open market
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Why is it important to be held accountable for your actions?
3 sentences
The owner of a mansion with extensive landscaped grounds installed a life-size marble statue of his late mother affixed to a granite pedestal on the premises. The statue, a fixture, was specially commissioned by the owner from a well-known sculptor. Several years later, the owner entered into a contract to sell the mansion and its grounds. The contract made no mention of the statue. Prior to closing, the buyer learned that the owner planned to remove the statue before delivering the deed to the property. The buyer has objected, arguing that the statue must stay on the premises. Can the owner remove the statue
Answer:
I'm really not sure why the buyer would want to keep the statue of the seller's dead mother in the premise, it sounds creepy, but he/she entitled to do so. The statue is probably considered a fixture of the house, mansion or premise however you want to call it. When someone sells a property, he/she must include all the fixtures, e.g. doors, windows, pool. A fixture is something that is physically attached to the property.
If the seller plans to remove some fixture, e.g. an expensive lamp in the living room, he/she must state so before closing the deal and the buyer must accept it (generally it would be included in the contract).
according to the videos and powerpoint slides, name and define the four product/market growth strategies in the product-market growth matrix. provide examples, different from the slides, of a company implementing each strategy.
The four product/market growth strategies in the product-market growth matrix are Market Penetration, Market Development, Product Development, and Diversification.
Market Penetration: This strategy focuses on increasing sales of current products in existing markets. Companies using this strategy aim to increase market share and dominate the existing market through aggressive marketing and sales efforts.
Market Development: This strategy involves expanding the customer base for current products into new geographic markets or new segments of existing markets. Companies using this strategy aim to increase sales by reaching new customers.
Product Development: This strategy involves introducing new products into existing markets. Companies using this strategy aim to increase sales by offering new and improved products to existing customers.
Diversification: This strategy involves developing and introducing new products into new markets. Companies using this strategy aim to increase sales by reaching new customers with new products.
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What happens if you get pulled over without insurance?.
Answer:
It depends on which state you are in. In Michigan if you operate a motor vehicle on state roadways and you don't have car insurance, you could face the following: Driver's license and registration suspension. Up to one year in jail. Fines and fees up to $500.
Explanation:
What are the accounting differences between cash and receivables from the perspective of a buyer? A seller? How are these differences changed by the accounting basis (cash vs. Accrual) an organization chooses?
Answer:
From a buyer's perspective, a sale made on credit represents a liability. While a sale made on cash represents a decrease of current assets.
From a seller's perspective, a sale made on credit or cash increases current assets, but the possibility of a bad debt always exist, therefore, accounts receivables must be periodically adjusted due to bad debts.
If the seller or buyer uses accrual accounting system, the previous description holds, but if they use cash basis accounting, things change a lot. When use cash basis, transactions are recorded only when cash is exchanged, so accounts receivables do not actually increase assets (seller's perspective), and accounts payables do not increase liabilities (buyer's perspective).
Betty's employees' performance is the lowest of the company. Most of Betty's employees have
been with the company less than 2 years. Those that have been with the company for more
than 2 years are visibly unhappy at the company. These results are drastically different than
most of the other teams in the company.
Do you think Betty is a good manager? List facts that support your decision
Answer: Define job performance, organizational citizenship, absenteeism, and turnover.
Explain factors associated with each type of work behavior.
One of the important objectives of the field of organizational behavior is to understand why people behave the way they do. Which behaviors are we referring to here? We will focus on four key work behaviors: job performance, organizational citizenship behaviors, absenteeism, and turnover. Note that the first two behaviors are desirable ones, whereas the other two are often regarded as undesirable. While these four are not the only behaviors organizational behavior is concerned about, if you understand what we mean by these behaviors and the major influences over each type of behavior, you will gain more clarity about analyzing the behaviors of others in the workplace.
Explanation:
Ashley bought a desktop computer and a laptop computer. Before finance charges, the laptop cost $350 more than the desktop. She paid for the computers using two different financing plans. For the desktop the interest rate was 7% per year, and for the laptop it was 6% per year. The total finance charges for one year were $398. How much did each computer cost before finance charges
Answer:
Laptop = $3250
Desktop = $2900
Explanation:
Total finance charge = $398
Laptop cost = 350 + x
Desktop = X
Workings
Finance cost = (7% *X ) + (6% * 350+x ) = 398
0,07 X + 0.06 X + 21 = 398
0.13 X + 21 = 398
0.13 X = 398 -21
0.13 X = 377
Therefore ,X = 377/0.13
=2900
Cost of Desktop = 2900
Cost of Laptop =2900+350 =3,250
The economy of the United States is BEST described as
A. noncompetitive
B. socialistic
C. government-owned
D. market-based
E. not-for-profit
Answer:
i believe the answer is b
Explanation:
because the us economy is best described as mixed ( capitalism & socialism) so i think its b
How is a credit union different from a bank?
O Acredit union offers services to companies instead of individuals.
A credit union only offers credit, it does not store money.
Acredit union is usually larger than a bank.
O A credit union is owned by its customers.
Answer:
a credit union is owned by its costumers (D)
Explanation:
i took the assignment!!
what is the role of law enforcement in reporting workplace violence
Law enforcement plays a crucial role in reporting and responding to workplace violence.
In the event of a workplace violence occurrence, employees must contact law enforcement, such as the closest police department, to report the incident and request assistance. Law enforcement can help to ensure the safety of workers and spectators by arriving on the site, assessing the situation, and taking the appropriate actions to disarm any threats. This may require locking up the offender, providing medical attention for the victims, and securing the area to prevent further harm.
Law enforcement can also assist firms in creating and putting into place various efficient and effective policies for ideally preventing and handling workplace violence. They can offer advice on the best ways to deal with violent situations, as well as training and resources to help employers and employees recognize and report possible threats.
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If an economy is in recession, discuss the differing effects created by a tax cut vs. A GDP-G increase to close the gap. Use the concept of multipliers in your answer.
Answer:
Explanation:
increase government spending will result in increased aggregate demand, which then increases the real GDP, resulting in an rise in prices. ... Conversely, to close an expansionary gap, the government would increase income taxes, which decreases aggregate demand, the real GDP, and then prices.
Economic recession takes place because of fluctuation within the variation. When the contraction point of the trade cycle prolongs or stays for quite six months then recession takes place in an economy. it's a situation when the entire economy shrinks down.
GDPwhen increased government spending will end in increased aggregate demand, which then increases the 000 GDP, as a lead to an increase in prices. Also Conversely, to shut an expansionary gap, the govt. would increase income taxes, which decreases aggregate demand, the important GDP, and also then prices.
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The SmartArt icon will allow you to include which of the following on a slide?
I think the answer is Graphs, I hope this helps
please help 15 points if right brainliest
The other forms and methods of startup capital—the ones that don’t use the money of outside investors—are collectively referred to as bootstrapping. False True
The other forms and methods of startup capital—the ones that don't use the money of outside investors—are collectively referred to as bootstrapping. Venture capitalists are ruthless; angel investors are kind-hearted.
Answer:
The other forms and methods of startup capital—the ones that don't use the money of outside investors—are collectively referred to as bootstrapping. True False
✓ true
Explanation:
Which ofthe following accounts are usually transferred to the Income Statement? *
1 point
a. Rent, premises, drawings
b. Drawings, rent, purchases
c. Commission received, rent, purchases
d.Purchases, furniture, commission received
Answer:C
Explanation:It is C because to get your commission they need to transferred to your Income Statement and for rent they need to know that you can afford to live there.To purchase big stuff they gotta look at your income to buy it.
Which of the following choices incur speculative risk?
a.stocks
b.fire insurance on a house
c.options
d.life insurance
e.high interest savings account
Answer: correct option is A.
Explanation: A speculative risk can be defined as risk that is taken willingly either it results in profit or loss and the stocks involve in probability of gain and loss making it a speculative risk.
Stocks incur speculative risk. Therefore option A is correct.
What are Stocks?A stock usually referred to as equity, is a type of investment that denotes ownership in a portion of the issuing company. Shares, also known as units of stock, entitle their owners to a share of the company's assets and income in proportion to the number of shares they possess.
Common stock and preferred stock are the two primary categories of stocks.
Owners of common stock are entitled to dividends and the right to vote at shareholder meetings.
Common stockholders often do not have voting rights, while preferred stockholders typically get dividend payments ahead of time and are given preference over common investors in the event of a firm bankruptcy and asset liquidation.
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Which of the following choices is not a step that can reduce your spending?
a.
eating at home, rather than dining out
b. using budgeted cash only
c. forgoing premium cable TV channels
d. purchasing reduced fat lattes during the week
Out of the given options, you won't reduce your spending by d. purchasing reduced fat lattes during the week.
How can we reduce spending?The best way to reduce spending is by spending less on things that we don't need or that we can do without.
In this case, spending on fat lattes won't be a way to reduce spending because they aren't very significant.
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Question 6 2 pts A stock is expected to pay a dividend of $1.2 one year from now, $1.7 two years from now, and $2.3 three years from now. The growth rate in dividends after that point is expected to be 7% annually. The required return on the stock is 15%. The estimated price per share of the stock six years from now should be $ Do not round any intermediate work, but round your final answer to 2 decimal places (ex: $12.34567 should be entered as 12.35). Margin of error for correct responses: +/- 10.
Te estimated price per share of the stock six years from now is $26.92.
How to calculate the estimated price per share of the stockTo calculate the estimated price per share of the stock six years from now, we need to use the dividend discount model:
P = D1/(1+r) + D2/(1+r)^2 + D3/(1+r)^3 + D4/(r-g)/(1+r)^3
where P is the estimated price per share, D1 is the dividend expected to be paid one year from now, D2 is the dividend expected to be paid two years from now, D3 is the dividend expected to be paid three years from now, D4 is the expected dividend in year four and beyond, r is the required return on the stock, and g is the growth rate in dividends after year three.
Substituting the values given:
P = 1.2/(1+0.15) + 1.7/(1+0.15)^2 + 2.3/(1+0.15)^3 + (2.3*(1+0.07)^3)/(0.15-0.07)/(1+0.15)^3
P = 0.7872 + 1.1377 + 1.4931 + 23.5064
P = 26.9244
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The demand curve for money shifts to the right when:________
The demand curve for money shifts to the right when money demand decreases.
What happens to the interest rate when money demand decreases?
The quantity of money demanded at a certain interest rate is represented by the money demand curve. Because the demand curve for money slopes downward, people will opt to keep less of their wealth in the form of cash if interest rates on bonds and other alternative investments rise.
The central bank manages the money supply and does business with other organisations. This interaction is a hallmark of the money market and may be shown as a supply curve.
The supply and demand for money in a country are represented by the money market, a kind of economic model. Money, including cash and checking and savings accounts, is a need for both individuals and organisations.
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By the end of the end of the nineteenth century, ______ was/were the basic means of making capital available to industry.
There are people who invest in the stock market. The stock market was/were the basic means of making capital available to industry.
What is the stock market?The stock market is known as a term that refers to the combination of exchanges and other areas or places where the buying, selling, and issuance of shares of publicly held firms are done.
The stock market is composed of exchanges, e.g. the New York Stock Exchange. Stocks are known to be listed on a particular exchange, which brings buyers and sellers together into one place.
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