how do financial institutions help with​ risk-bearing? insurance companies spread out risk by pooling premiums together from policy holders and pay the claims of those who have an​ accident, fire, medical need or die. this process spreads the financial risk of these events out across a large pool of policyholders and the investors in the insurance company. b. mutual funds and pension funds take your savings and spread them out among the stocks and bonds of many different​ companies, limiting your exposure to any one company. c. investment companies will deny any attempt by an investor to concentrate their investment in one single company as this would violate their role in spreading out risk. d. financial institutions not only assist with the​ risk-bearing of savers and​ investors, but must also be concerned about their own​ risk, spreading their loans out among a variety of clientele.

Answers

Answer 1

Insurance companies spread out risk by pooling premiums together from policy holders and pay the claims of those who have an​ accident, fire, medical need or die.This process spreads the financial risk of these events out across a large pool of policyholders and the investors in the insurance company.  Mutual funds and pension funds take your savings and spread them out among the stocks and bonds of many different​ companies, limiting your exposure to any one company. Investment companies will deny any attempt by an investor to concentrate their investment in one single company as this would violate their role in spreading out risk. Options a,b,c are right.

What are financial institutions?

A financial situation, an organisation responsible for providing financial services to costumers. The financial products has money management, account checking and other services that meet the objectives of customers.

This organisation helps in moving funds from savers to borrowers which spreads out risk bearing. The concern will be upon their own risks, apart from the risks held by savers and borrowers. The risk is shared among large number of people where the risk is in the form of premium.

The risk is spread among different companies through investing.

Moreover, they ll be efficient about the evaluation of information.

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Related Questions

Suppose+you+inherited+$275,000+and+invested+it+at+8.25%+per+year.+how+much+could+you+withdraw+at+the+end+of+each+of+the+next+20+years?
a. 31,457
b. 28,532
c. 34,681
d. 29,959
e. 33,030

Answers

The correct answer is [b] 28,532.

We can withdraw Rs. 28,532 at the end of each of the next 20 years.

What is domain finance/ annuity?

Finance Domain term is generally used to refer to skills and jobs that fall under the finance industry or financial services. There is a potential source of confusion regarding what we refer to with term Finance Domain.

On one hand, there is a function called finance that is common to all business enterprises, in every industry, and on the other hand, we have financial institutions. The knowledge of the finance domain enables possible career paths within financial services industry or with financial institutions.

In domain of finance, an annuity is a sequence of payments occurring at equal intervals for a given investment horizon. The value of annuity corresponding to a given present investment is governed by factors such as the interest rate and periodicity of the annuity.

The domain name is integral intangible asset.

A communication tool allowing to establish its identity on Internet and gain a digital territory; A legal element through temporary contract with an Internet Registry; A financial asset, accountable as an intangible asset under the certain conditions

The formula for amount that can be withdrawn at the beginning of each of the next 20 years is given as:

Where;

R =the annual withdrawal

i = the interest rate = 8.25%

P =the Principal amount = $275,000

n =the number of years = 20

R=8.25%/{1-(1+8.25%)} * 25000

=28,532

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Three years ago, kenesha purchased $2,000 worth of stock in a major u. S. Corporation. Today, kenesha decides to sell all her shares for $15,000. Kenesha will be subject to.

Answers

Kenesha will be subject to Long term capital gains of $ 13,000.

When the stock is held for more than 24 month then the gain on the sales of stock are long term capital gain.

Long term capital gain = Sale Price - Purchase Price

= 15,000 - 2,000

= $13,000

The value difference between the sale price and the acquisition price is used to calculate the long-term capital gain or loss. The amount here represents the investor's net gain or loss from selling the asset. The net gain or loss a shareholder incurred upon the sale of an asset held for less than a year is short-term capital gains or losses. Long-term capital gains are subject to a lower tax rate from the Internal Revenue Service (IRS) than are short-term capital gains.

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you found out that now you are going to receive payments of $7,500 for the next 16 years. you will receive these payments at the beginning of each year. the annual interest rate will remain constant at 14%. what is the present value of these payments?

Answers

53566 is  the present value of these payments.

PVAn= 7500 x (1- 1 divided by (1+0.14)^16)

all divided by 0.14 =46988

PVA(DUE)n= 46988 x (1+0.14)= 53566

What is present value?

The idea of present value holds that a sum of money is worth more today than it will be in the future. In other words, money received in the future is not as valuable as money received now. The value of $1,000 today is greater than $1,000 in five years.

The present value calculation can be used to determine the value of a property today expected to earn at least the projected stream of cash flows in the future, or the amounts that must be invested today in order to reap desired sums at later dates.

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True or false: a mutual fund is the common name of a closed-end investment company.

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A closed-end investing company is more commonly referred to as a mutual fund. This statement is False.

An open-end investment company is commonly referred to as a "mutual fund." With 87% of all investment company assets being in this form, it is currently the dominant investment company structure. In order to invest in securities such as stocks, bonds, money market instruments, and other assets, mutual funds aggregate the funds from shareholders. Professional money managers run mutual funds, allocating the assets and attempting to generate capital gains or income for the fund's investors. The portfolio of a mutual fund is set up and kept up to date in accordance with the specified investment goals in the prospectus.

Small or individual investors have access to professionally managed portfolios of stocks, bonds, and other securities through mutual funds.

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How+much+will+your+monthly+payment+be+if+you+purchase+a+home+for+$221,000+and+you+finance+$200,000+for+30+years+at+4.8%?

Answers

$1,049.33. So, N will be 30 years x12 months per year = 360 months.

Monthly Payment

Your monthly payment is what you deliver to the lender each month to reimburse your loan. The amount you expend every month relies on the terms of your mortgage loan. The I/Y will be 4.8%/12 = 0.4% per month. Keep in mind you are only investing $200,000 of the home's purchase cost.

The calculator inputs will be;

PV = $200,000

N = 360

I/Y = .4

FV = 0

Solve for PMT = -1,049.33

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HELP ASAP
Debra is making jewelry to sell at a craft fair. The price of the metal she uses to make her bracelets just went up. This means that Debra will have to charge more per bracelet. This is an example of which type of pricing factor? Choose the answer.

Answers

This means that Debra will have to charge more per bracelet. This is an example of production cost pricing factor.

What is production cost?

Production cost can be defined as those cost that are involve with producing or manufacturing goods and services and this cost includes the materials, labor among others that a company used when  producing  goods and services.

Based on the scenario production cost is the type of pricing factor due to the fact that since the cost of production has increase Debra has to increase the amount she charge so as to prevent loss because if the cost of production is higher than the revenue or profit it will lead to loss.

Therefore If Debra is making jewelry to sell at a craft fair. The price of the metal she uses to make her bracelets just went up. This means that Debra will have to charge more per bracelet. This is an example of production cost pricing factor.

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if energy efficiency is improved, the cost of energy would decrease and . less electricity would be used energy star appliances would no longer be necessary more coal would be available homes would cost significantly less

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Energy efficient use, sometimes simply called energy efficiency, is the process of reducing the amount of energy required to provide a product or service. For example, by insulating a building, less energy is required for heating and cooling to achieve and maintain a comfortable temperature.

Energy efficiency is using less energy for the same task or result. Energy-efficient homes and buildings use less energy to heat, cool and power appliances and electronics, and energy-efficient manufacturing plants use less energy to produce products.

Energy-efficient appliances and equipment use technologies that are less energy-intensive to reduce the amount of electricity used per product.

Energy efficiency is one of the easiest and most cost-effective ways to combat climate change, lower energy bills for consumers, and improve the competitiveness of American businesses. Energy efficiency is also a key factor in achieving net zero carbon emissions through decarbonization.

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Answer:less electricity would be used

Explanation:did on odyssey

In the customer intimacy zone, what type of innovation uses the strategy of improving existing products in existing markets by modifying a single dimension in order to reawaken customer interest in increasingly commoditized categories?.

Answers

The type of innovation that uses a strategy to improve existing products in the market by modifying one dimension to revive customer interest in categories that are increasingly being commodified is customer intimacy.

Business is not just about attracting new customers. More than that, you also need to retain existing customers so that they continue to choose your brand. This is not an easy thing. You need to understand customer problems, needs, and wants.

One way you can do is increase customer intimacy. In short, customer intimacy is a business strategy carried out by paying high attention to customer needs. In other words, you need to get to know your customers more deeply. You can find out the habits, desires, and feelings of customers when using your product or service.

It doesn't stop there; you also need to measure the suitability and priorities of the company for these needs. After that, you can make decisions to meet the customer's specific needs.

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over the next several years the number of corn producers is expected to increase. as a result, the supply of corn will and the supply curve of corn will .

Answers

Over the next few years, the number of corn growers is expected to increase. As a result, the corn supply increases, and the corn supply curve shifts to the right.

Explanation: Changes in supply lead to shifts in the supply curve, which causes market imbalances, which are corrected by changes in price and demand. An increase in supply change shifts the supply curve to the right and a decrease in supply shifts the supply curve to the left.

Corn, Zea mays, is a member of the grass family, sometimes eaten as a vegetable and sometimes as a grain, but botanists actually classify it as a fruit along with tomatoes, peppers, cucumbers, zucchini, etc. crush.

Due to its high fiber content, corn is the best grain for weight loss. Fiber aids digestion and facilitates weight loss. Corn is rich in antioxidants that improve metabolism. It is a human invention, a plant that does not naturally occur in the wild. Unless humans plant and protect them, they cannot survive. Scientists believe that people living in central Mexico evolved corn at least 7,000 years ago. It started with a wild grass called teosinte.

Corn is rich in vitamin C. Vitamin C is an antioxidant that protects cells from damage and prevents diseases such as cancer and heart disease. Yellow corn is a good source of lutein and zeaxanthin, carotenoids good for eye health, and helps prevent lens damage that can lead to cataracts.

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is a contemporary management approach that studies and identifies management activities that promote employee effectiveness by examining the complex and dynamic nature of individual, group, and organizational processes.

Answers

By examining the intricate and dynamic nature of the individual, group, and organisational processes, organisational behaviour is a modern management strategy that investigates and pinpoints management practises that increase employee performance.

What organization behave mean ?

The study of how people interact with one another inside a group, such as a firm, is known as organisational behaviour. As a result, these encounters have an effect on the operation and conduct of the organisation as a whole.

These are proactive measures that aim to improve the situation for the individual, the group, or the organisation. A few of these qualities include issue selling, initiative, positive change-oriented communication, inventiveness, and proactive socialising.

With the intention of using this knowledge to boost an organization's effectiveness, OB within organisations seeks to satisfy both employee desires and organisational objectives. Individual, collective, and structural levels of behaviour in organisations are under the purview of OB.

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What can cause the market supply curve for fruit juice to shift leftward (a decrease in supply)?

Answers

An increase in the price of fruits will cause the market supply curve for fruit juice to shift leftward.

What is a supply curve?

The supply curve is a visual representation of the relationship between the price of an item or service and the volume delivered over time. A common illustration will have the price on the left vertical axis and the quantity supplied on the horizontal axis.

The supply curve will incline higher from left to right, expressing the law of supply: A given commodity's supply grows as its price rises (all else being equal).

Be aware that this formulation suggests that quantity is the dependent variable and price is the independent variable. Economics is an exception to the general rule that the independent variable is displayed on the horizontal or x-axis.

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Hillman corporation reported a decrease in accounts receivable of $391,216. This is best defined as a _________ of cash on the _______________ segment on the statement of cash flows.

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Hillman Corporation reported a decrease in accounts receivable of $391,216. This is best defined as a source of cash on the operating activities segment on the statement of cash flows.

What is Cash Flow Statement?

A cash flow statement is a type of financial statement that gives total information about all of the cash inflows a business makes from continuing activities and outside investment sources. It also includes any cash outflows made within a specific time period to cover investments and business expenses. Because it tracks the cash generated by the business in three key ways—through operations, investments, and financing—the cash flow statement is seen to be the most understandable of all the financial statements. Net cash flow is the total of these three components. An important document that gives interested parties information about all of a company's activities is the cash flow statement.

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Explain the difference between the elements of the communication process and the Communication process.​

Answers

please gimme brainliest!

Answer:

seven

Explanation:

Seven major elements of communication process are: (1) sender (2) ideas (3) encoding (4) communication channel (5) receiver (6) decoding and (7) feedback.

Communication may be defined as a process concerning exchange of facts or ideas between persons holding different positions in an organisation to achieve mutual harmony. The communication process is dynamic in nature rather than a static phenomenon.

Insurance is a financial risk that allows a

Answers

Answer:

The insurance risk class allows insurance companies to determine the amount of coverage needed, as well as how much that coverage should cost.

Hope it helps! :)

The measure of location often used in analyzing growth rates in financial data is the _____

Answers

The measure of location often used in analyzing growth rates in financial data is the geometric mean.

The geometric mean is known a the average of a set of products.

The calculation of geometric mean is commonly used to determine the performance results of any investment or the portfolio.

Technically it is  defined as "the nth root product of n numbers." The geometric mean should be used when we are working with percentages, means which are derived from values, while the standard arithmetic mean works with the values themselves.

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a boss walks into a group member’s office to request an immediate revision of a report the group member submitted the day before. the boss exhibits task-oriented leadership.

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A boss walks into a group member’s office to request an immediate revision of a report the group member submitted the day before. the boss exhibits task-oriented leadership. This statement is True.

What's Leadership?Leadership, both as a exploration area and as a practical skill, encompasses the capability of an individual, group or association to" lead", influence or companion other individualities, brigades, or entire associations. The word" leadership" frequently gets viewed as a contested term.Specialist literature debates colorful shoes on the conception, occasionally differing Eastern and Western approaches to leadership, and also( within the West) North American versus European approaches.What's significance of leadership?Leadership is a vital operation function that helps to direct an association's coffers for bettered effectiveness and the achievement of pretensions. Effective leaders give clarity of purpose, motivate and guide the association to realize its charge.

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Parts for an automobile repair cost $175. The mechanic charges $35 per hour. If you receive an estimate for at least $245 and at most $315 for fixing the car, what is the time interval that the mechanic will be working on the job?.

Answers

The time interval for the mechanic for this job is at least 2 hours or at most 4 hours

According to the given question parts for an automobile repair cost ​175 dollars and the mechanic charges 35 dollars per hour.

Given the person receives a cost of at least 245 dollars.

The mechanic's total rate is (245 - 175) dollars which is = 70 dollars.

Also given the mechanic charges 35 dollars per hour so the time mechanic work for is at least (70/35) hours which is = 2 hours

In the later case when the owner receives a bill of 315 dollars the total rate of mechanic is

= (315 - 175) dollars.

= 140 dollars.

So, the mechanic has worked for (140/35) hours which is 4 hours

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In the market for natural gas, what will likely happen to current natural gas prices and output if the producers expect future prices to decrease? current supply will _________, and, as a result, current prices will _________.

Answers

In the market for natural gas, what will likely happen to current natural gas prices and output if the producers expect future prices to decrease?

Current supply will decrease, and, as a result, current prices will increase.

How are demand and price related to ach other?

The law of supply and demand is an economic theory that explains how supply and demand are related and how this relationship affects the price of goods and services.

A basic economic principle is that when supply exceeds demand for a good or service, prices fall. When demand exceeds supply, prices tend to rise.If demand does not change, there is an inverse relationship between supply and prices of goods and services.If the supply of goods and services increases while demand remains the same, prices tend to fall to a lower equilibrium price and a higher equilibrium quantity of goods and services.If the supply of goods and services falls while the demand remains the same, prices tend to rise to a higher equilibrium price and a lower quantity of goods and services.

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A firm that models, simulates, and analyzes large amounts of data quickly by using computers to execute the same task on multiple processors simultaneously is employing _____.

Answers

A firm that models, simulates, and analyzes large amounts of data quickly by using computers to execute the same task on multiple processors simultaneously is employing parallel processing

This is further explained below.

What is parallel processing?

Generally, A kind of computation known as parallel computing involves running a number of different computations or processes concurrently with one another.

Large difficulties may often be broken down into a series of smaller problems, each of which can be tackled and resolved in parallel.

In conclusion, Employing parallel processing allows a company to rapidly model, simulate, and analyze enormous volumes of data by utilizing computers to carry out the same operation on numerous processors concurrently. This allows the company to work more efficiently.

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Barker fabricating is operating at 79 percent capacity and earning a substantial profit. an increase in sales is least likely to increase the firm's:_____.

Answers

If Barker fabricating is operating at 79% capacity, an increase in sales is least likely to increase the firm's fixed assets.

What is fixed asset?

Assets are resources owned by a business or individual that can be used to generate positive economic value to the entity. Fixed asset is a type of asset that remains constant regardless the level of output. An example of a fixed asset is the factory where production takes place.

Fixed assets are also known as noncurrent assets. This is because they are usually used for more than one accounting period.

When a company is not producing at full capacity, it means that its fixed asset is not fully utilized. So, when sales increases, the capacity at which the fixed asset is used would increase without increasing the cost of the fixed asset.

Here is the complete question:

Barker Fabricating is operating at 79 percent capacity and earning a substantial prohl An increase in sales is least likely to increase the firme Multiple Choice

fixed assets

cost of goods sold

accounts receive

accounts payable

inventory

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After many months in business, Horatio decides that there are some negative aspects of having a sole proprietorship. All of the followin
are negatives except.

Answers

As Horatio decides that there are some negative aspects of having a sole proprietorship, the exception to the negative was "Pride of ownership".

What is a sole proprietorship?

It refers to a one-man business organisation. It involve a natural person (not a legal person/entity) who fully owns and manages this type of entity. In addition, the sole proprietorship usually does not have to be incorporated or registered.

Because of these fact, the sole proprietorship is the simplest form of business structure and the ideal choice to run a small business or medium scale business.

Missing options "a)lack of money b)lack of continuity c)pride of ownership d)unlimited liability

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our company has a plan in place to upgrade each employee's laptop computer to a newer model every three years. as a result, you often have old laptop batteries.

Answers

Every three years, the company has a plan to replace each employee's laptop with a newer model. as a result, your laptop batteries are frequently outdated. Thus, recycling of the batteries is required.

What is the company?A group of people can get together to create a company, which is a legal body used to conduct and manage commercial or industrial business operations.

The business lines of an organisation rely on its form, which might be a company, a partnership, or even a sole proprietorship.

Either public or private companies can exist; the former distributes equity to shareholders on a stock exchange, whilst the latter is privately held and unregulated.

A firm is typically set up to make money off of its operations.

Companies have a significant role in the health of an economy by providing jobs and luring in disposable cash to fuel expansion.

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The ________ created by porter states that firms should create new, more efficient business processes that integrate the activities of all departments involved in a value chain.

Answers

Porter's business process design recommends that companies develop fresh, more effective business procedures that integrate the operations of all the departments engaged in a value chain.

What exactly is a value chain?A value chain is a methodical corporate strategy for taking a good or service from conception to completion.Value chains assist businesses in being more efficient so they can provide the most value for the least amount of money.A value chain's ultimate objective is to provide a business a competitive edge by boosting productivity and controlling expenses.The five major activities and four supporting activities of a corporation are examined under the value-chain theory.It's essential for businesses to maintain client confidence and security so they can keep them as loyal customers in addition to making sure production processes are seamless and effective.

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Suppose that when the price of good x falls from $6 to $4, the quantity demanded of good y rises from 30 units to 40 units. Using the midpoint method, the cross-price elasticity of demand is?.

Answers

-0.71, and X and Y complement each other.

Using a straightforward formula, what is the price elasticity of demand in this range when the product price drops from $40 to $30 and the quantity desired increases from 500 to 600 units?

The price elasticity of demand in this range, according to a straightforward formula, is: -0.25.

When a product's price drops from $90 to $80, demand increases by 600 to 700 units. The demand-price elasticity is?

The amount requested increases from 600 to 700 units when the product price drops from $90 to $80. This range's -1.50.

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Marketers that set unrealistically high consumer expectations of a product through advertising, personal selling, or other types of promotion may generate higher initial sales, but it will eventually result in ________ if the product fails to achieve these expectations.

Answers

Marketers that set unrealistic high consumer expectations of a product through advertising, personal selling, or other types of promotion may have higher initial sales, but it will eventually result in post purchase dissatisfaction if the product fails to achieve these expectations.

Advertising is known as a tactic used to draw the public's attention to a certain commodity or service. A product, brand, or service is advertised to a viewing audience in order to catch their attention, encourage interaction, and increase sales.

Post-purchase dissatisfaction refers to a customer's level of discontent after purchasing a product or service from your online business. Customers could regret their purchase if they believe the product's quality falls short of their expectations.

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a company has net income of $195,000, a profit margin of 8.3 percent, and an accounts receivable balance of $134,370. assuming 70 percent of sales are on credit, what is the company’s days’ sales in receivables do not hard code values into your calculations

Answers

a company has net income of $195,000, a profit margin of 8.3 percent, and an accounts receivable balance of $134,370. assuming 70 percent of sales are on credit, The company's days' sales in receivables is 24.33 days.

What are sales?

An exchange of goods or services for money or other assets is known as a sale and involves two or more parties. A sale in the financial markets refers to a contract between a buyer and a seller that details the cost of a security and its delivery in exchange for a predetermined payment.

By definition, "sales" includes all actions taken to market a good or service to a customer or business. But it means so much more in actuality. The process of successfully closing a deal requires a lot of work, from finding prospects to developing relationships with clients to offering them solutions.

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Refer to the following supply and demand schedules for the market for yo-yos.


Price Qd Qs
$1 100 10
$2 80 35
$3 60 60
$4 40 85
$5 20 110


What are the equilibrium price and quantity of yo-yos? Explain your answer, and show your work.
If price in the market is $2, will there be a surplus or shortage of yo-yos and how large will the surplus/shortage be? Explain your answer, and show your work.
If price is $2, will price tend to increase, decrease, or stay the same over time?
If the price in the market is $5, will there be a surplus or shortage of yo-yos and how large will the surplus/shortage be? Explain your answer, and show your work.
If price is $5, will it tend to increase, decrease, or stay the same over time?

Answers

The equilibrium price and the equilibrium quantity of yoyo is given as $3 and 60.

What is the equilibrium price?

This is the price where the quantity of the good demanded is the same as the quantity of good that has been supplied. The equilibrium price is 3 dollars because at this point the Qs = Qd = 60

2. At a market price of 2 dollars, then would be a shortage in the market. at 2 dollars, demand = 80 while the supply of the product is just 35 hence this shows a shortage.

The shortage = 80 - 35 = 45

3. At 5 dollars there would be a surplus of yoyos. This is because the price is more than the equilibrium.

The surplus = 110 - 20 = 90

4. When the price in the market is 5 dollars then there would be a decrease in price. Given that there would be more suppliers hence there would be competition in the market among producers hence the price fall

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given the following information, determine net income. the retained earnings balance on january 1, 20y8, is $56,000; dividends during 20y8 total $18,350; and the retained earnings balance at december 31, 20y8, is $71,850.

Answers

Net Income : (Retained earnings at the end of the year -  Retained earnings at the beginning of the year) + Dividends

Net Income : ($71,850 - $56,000) + $18,350

Net Income : $15,850 + $18,350

Net Income : $34,200

Net income refers to the income of an individual or business after deducting expenses, allowances and taxes. In commerce, net income is what is left in the business after all expenses such as salaries and wages, cost of goods and raw materials, and taxes.

Is Net income the Same as Profit?

Profit simply means the remaining income minus expenses. It exists at multiple levels, depending on the type of cost that is deducted from the revenue. Net income, also known as net profit, is a single number that represents a particular type of profit. Net income is the famous last line of financial statements.

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The time value of money means that money can be invested today to earn interest and grow to a larger amount in the future.
a. true
b. false

Answers

The given statement of time value of money is true.

Time value of money

The notion of time value of money (TVM) states that an amount of money is worth more now than it will be at a later period due to its earning potential in the interim. The time value of money is a fundamental financial notion. A sum of money in one's hand is worth more than the identical sum paid in the future. The present discounted value is another term for the time value of money.

The time value of money is a financial principle that argues that the current value of a dollar is greater than the future value of a dollar.

This theory holds true since money invested today can potentially develop into a larger sum in the future.

Hence, the given sentence is true.

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You are an employer seeking to fill a vacant position on an assembly line. Are you more concerned with the average product of labor or the marginal product of labor for the last person​ hired?.

Answers

The marginal product assesses how the most recent hire has affected production, or overall product. This makes estimating the income from hiring a second person simpler, which can then be contrasted with the cost of doing so.

The process of creating a product is divided into phases that must be finished in a certain order using the manufacturing method known as an assembly line. The most common technique in the mass manufacturing of goods is assembly lines.

The extra product that is produced when an additional unit of input is added is known as the marginal product. To put it another way, a change in the production output caused by a change in the production input is referred to as a marginal product.

The change in output that results from using one more unit of a specific input (factor of production), for example, the change in output when a firm's labor is increased from five to six units, is known as the marginal product or marginal physical productivity, assuming that the quantities of other inputs are kept constant.

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