Create a hypothesis for why homeowners insurance continues to increase
annually while renters insurance does not.

Answers

Answer 1

Answer:

Inflationary clauses in your insurance policy allow for the rising costs of building and associated labor. The cost of building materials such as wood, metal and cement increases each year. Likewise, if the cost of replacing your home increases, chances are your insurance costs will also increase. While that may be good news if you experience a loss, it'll be reflected in your monthly or yearly insurance premiums.

Explanation:


Related Questions

Financial assistance from the government to citizens in the form of tax credits or monetary payments is called

Answers

Tax relief serves as Financial assistance from the government to citizens in the form of tax credits or monetary payments.

What is Tax relief?

Tax relief can be regarded as government program or policy that are been put in place to help individuals and businesses .

It help to reduce their tax burdens or resolve their tax-related debts.

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Economic stability is a benefit of technological advances. Please select the best answer from the choices provided T F.

Answers

Answer:

The answer is False

Explanation:

Just took the test and got it right

Economic stability is an economy where there is consistent output growth and stable and low inflation growth. Advanced technology is the key to the economic stability of a country and its development.

What are the advantages of a stable economic condition?

Economic stability also contributes to the stability of all macroeconomic factors, such as increased production, improved efficiency, and a lower unemployment rate. Through technology and innovation, the overall standard of living of citizens improves as productivity increases, resulting in better goods and services.

Many techniques, such as inflation control, new job opportunities, stabilizing the currency rate, and many more, to maintain the stability of the economy. A stable economy encourages investment, creates consumer confidence, and helps in stimulating business growth and results in the overall economic development of a country.

It is therefore true that technological advances are beneficial for economic stability because they help to improve the living standards of citizens due to stable employment opportunities, resulting in a stable income for individuals.

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Percy’s GPA is 2. 75, so he should list it on his résumé. Please select the best answer from the choices provided T F.

Answers

The given statement that GPA of Percy is 2.75, so he should list it on his resume, is the false statement.

What is GPA?

The full name of GPA is the Grade Average Point. A GPA is the sum of all of the individual grade points earned throughout the degree program.

Graduate students are often obliged to have a certain GPA.

At the time of filling out a resume, there are several basic and necessary questions that a person should consider in order to meet the criteria that the client is searching for.

In terms of GPA, Percy's is comparable. It is not appropriate to include it on a resume unless specifically requested or required. Most of the time it isn't required, thus the given statement is false.

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Answer: False

Explanation:2.75 gpa is bad

Supervisors counting cash receipts daily is an example of:.

Answers

Answer:

Independent internal verification

Explanation:

Supervisors counting cash receipts daily is an example of : independent internal verification.

What is independent internal verification ?

Independent internal verification involves the review, comparison, and reconciliation of data prepared by employees which are done by self assessment only. Verification should be made periodically or on a regular interval basis. Verification should be done by an employee independent of the personnel responsible for the information. Independent internal verification is an effective method for employees to perform their work on a regular basis.

Thus, supervisors counting cash receipts daily is an example of : independent internal verification.

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Hidden aspects of an organization that organizational behavior provides insight into include ________.

Answers

Answer:

The answer is attitude

Explanation:

Hope this helps:)...if not then sorry for wasting your time and may God bless you:)

What channel intermediary does not take title to products, but instead brings a seller and buyer together?.

Answers

Answer:

It would be the agent by definition.

Answer:

an agent.

Explanation:

a real estate agent does not physically own the properties, but helps bring in consumers who want to purchase the home.

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A government that enforces strict quality requirements for its imported goods is applying what type of trade regulation?.

Answers

A quota, a government imposed trade restrictions that lining the number or monetary value of goods that a country can import or export during a particular period.

Governments can impose import and export limits in addition to abolishing tariffs, levies, or taxes on particular in-demand items. Import quotas regulate the volume or amount of a commodity that may be brought into a nation for a predetermined period of time.

Why do governments regulate imports?

This supports economic growth and maintains a healthy economy. A government may implement certain tariffs to draw consumers' attention back to local firms and thereby shield and safeguard their own economy from the outside competition if the home economy is finding it difficult to compete with international rivals.

Governments primarily use tariffs, subsidies, and quota systems to impose trade restrictions. A quota system places limits on the number of commodities that may be imported into a nation. Governments can limit the number of imports to assist safeguard native businesses by using quota systems.

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Olivia keeps her work desk neat and arranges her files in alphabetical order. She’s demonstrating the professional habit of organization . Chang provides support to his coworkers when they need to interpret the computer codes in some records. He’s demonstrating the professional habit of adaptability .

Answers

Answer:

Which attributes of professional and ethical conduct are Olivia and Chang demonstrating in this scenario?

Olivia keeps her work desk neat and arranges her files in alphabetical order. She’s demonstrating the professional habit of organization.

Chang provides support to his coworkers when they need to interpret the computer codes in some records. He’s demonstrating the professional habit of helpfulness.

Explanation:

The files on Olivia's desk are arranged alphabetically and she keeps her workspace tidy. She is exemplifying the professionalism of organization. When his colleagues need assistance deciphering computer codes contained in some records, Chang offers assistance. He is practicing being helpful in a professional manner.

What do you meant by a work desk?

For academic, professional, or household tasks like reading, writing, or utilizing technology like a computer, a desk or bureau is a piece of furniture having a flat table-style work surface that is used in a school, workplace, home, or places similar to these.

Desks frequently include one or more drawers, compartments, or pigeonholes where objects like office supplies and documents can be kept. Although materials like glass are occasionally encountered, desks are typically built of wood or metal.

Some desks resemble tables, but unlike most typical tables, just one side of a desk is typically acceptable for sitting at (there are notable exceptions, such as a partners desk). Some desks don't take the shape of a table; one example is an armoire desk

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Why is it a mistake to put e-mail addresses of people who don't know each other in the "to:" field?

Answers

An email is a form of electronic communication that allows you to send messages to other people. Because of the rise in cybercrime, we might assume that unusual emails can be risky.

Importance of Sending an Email?

Email is a popular method of corporate communication since it is quick, cheap, widely available, and easily replicated. Email may be extremely beneficial to organizations because it provides an efficient and effective means of transmitting all types of electronic data.

One of the primary benefits of email is the ability to rapidly and conveniently distribute electronic files such as written documents, photographs, and data sheets to multiple contacts at the same time by simply attaching the file to an email.

Thus, The person you send it to will most likely think it's a fraud or that it was sent to the wrong person. But, most critically, to ensure that no one's email address is leaked. They did not agree to have their contact email shared with others.

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With a 10% reserve requirement ratio, a $100 deposit into new bank means that the maximum amount new bank could lend is.

Answers

Answer:

If the reserve requirement is 10%, the deposit multiplier means that banks must keep 10% of all deposits in reserve, but they can create money and stimulate economic activity by lending out the other 90%. So, if someone deposits $100, the bank must keep $10 in reserve but can lend out $90.

Explanation:

:)

Which of the following is an example of a game where the customer can choose their own numbers

Answers

The game where players are allowed to pick their own numbers is the game of Mega-Millions.

What is Mega-Millions?

This is a type of lottery game that is available in several countries around the world and involves players picking certain numbers to stand a chance to win some money.

The players get to choose the numbers they believe will be lucky and then there is a draw. If their numbers are selected, they stand a chance to win.

Options for this question were:

a. Quick Pick game.

b. Mega Millions.

c. Instant Scratch-Off game.

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A city spent $2 million to build a pedestrian bridge that has proved unsafe. The city can repair this bridge or demolish it and build a new one. If the resulting bridge would be equally attractive and useful either way, how should the $2 million already spent factor into the city's decision?

Answers

The city should ignore the $2 million, since either way it has already been spent.

What is sunk cost?

Sunk cost is a cost that has already been incurred. It means that the amount has already been spent. Cost that has already been incurred should not be considered when making future economic decsions.

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match each educational qualification with its description
certification a on the job training experience
apprenticeship general two-year college degree
doctoral degree four-year college degree
bachelors degree advanced, specialized degree earned after masters
associates degree an endorsement from a professional,
nongovernment organizations

Answers

The educational qualifications and their descriptions are:

Certification - general two-year college degree.Apprenticeship - a on the job training experience.Doctoral degree -  advanced, specialized degree earned after masters.Bachelors degree -  four-year college degree.Associate degree -  an endorsement from a professional, nongovernment organizations.

What are some educational qualifications?

A certificate involved going to college or an institution of higher learning for two years. An apprenticeship doesn't involve going to school, but gaining experience from working.

A bachelors degree is a four year qualification that is gained from college and a doctoral degree can only acquired after one gets a masters.

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What element of the marketing mix has a unique role in that it is the place where all other business decisions come together?.

Answers

The element of marketing mix that has a unique role in that it is the place where all other business decisions come together is known as Place

What is marketing mix?

The marketing mix relates to the collection of steps or strategies employed to sell the brand or commodity on the market by an company.

Elements of marketing mix include:

PlacePricePromotionProduct

Hence, the element of marketing mix that has a unique role in that it is the place where all other business decisions come together is known as the place.

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Your younger cousin Mary is a rising senior in high school this year and has been researching the cost of attendance at several colleges. She emails you because she knows that you have just learned about paying for college and she has some serious concerns. Here are some excerpts from her email: --Despite her strong academic performance in high school and her interest in pursuing a career in chemical engineering, Mary reveals, “I’m starting to think that college just isn’t worth it. I don’t see how a college degree is going to help me in the future if it costs so much. Aren’t I better off just going straight into a job with my high school degree and saving my money?” --“I’ve been looking at the published costs of attendance on college websites, and they’re insanely high! There’s no way my family and I can afford such prices.” --“I know financial aid is available for students, but I don’t know what types there are, let alone how to apply for financial aid. Even if I knew how to apply, should I apply? I don’t think I’ll qualify and I don’t want to put in all that work for nothing.” --“I know that I have to start paying my loans right after I graduate college. But what if I don’t have a job by that time? And what if I can’t afford my monthly payments? I don’t want to take that risk.” You recognize that Mary has a few misconceptions and gaps in knowledge about how to pay for college and want to make sure that she makes a decision based on the right information. In 4-5 paragraphs, respond to Mary about each of her concerns.

Answers

Please note that the type of letter described above is an informal Letter. This is because there is an existing relationship with the recipient of the letter.

How do you write an Informal Letter?

An informal letter should:

have your address on the top right cornerhave the date of the letter underneath your addressstart with a salutation such as "Hello Mary"have an introduction that is may or may not be personal. But preferably personal since you know Mary personally. For example, "It's been a while, Mary, I trust this meets you and yours well."have a body that is clear, and specific. Remember your intention is to narrate your experience. Use short sentences.have a great closing. You may use "Best" or "Warmest regards", or "Best wishes" since this is an informal letter.

The last item should be your name and your signature. Your signature should come before your name.

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do you like lauge arts it is supper fun in cool

Answers

Answer: It's really confusing. its just mid.

Explanation:

I love it! I find it to be fun, as well as being an essential quality in life. To have good, basic knowledge in language arts, you can never go wrong :)

An employee contacts his supervisor to request time off guaranteed to him under the family and medical leave act. Under which circumstance do the provisions of this law apply?.

Answers

Answer:

The employee qualifies for time off to care for a newborn child.

Explanation:

A low-cost, no-frills grocery store chain that began in the United States decided to open similar stores in Germany which did not have any stores like this. What type of FDI is this company using

Answers

A greenfield investment is the type of Foreign direct investment used by the grocery store chain that began in the United States but decided to open similar stores in Germany.

What is a greenfield investment?

A greenfield investment means a foreign portfolio whereby company merely buys the stocks or bonds of an existing company.

Thus, the greenfield investment is the type of Foreign direct investment used by the grocery store chain.

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Charlotte complains that a lot of turnover is coming from branches that used to be first american before the merger. She claims that the employees there were not used to so much oversight and had more authority. Based on this information, first american highly valued.

Answers

We can infer that based on the fact that employees were not used to so much oversight, First American highly valued Delegation.

What did First American value?

Delegation in a company means that superiors endow their subordinates with roles and adequate authority to get a certain job done with little oversight.

Charlotte's complaint about employees not being used to oversight therefore means that there was a lot of delegation in First American where employees had more authority.

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GM creates a separate website for each of its car models (e.g., chevrolet). This reflects which type of multi-branding strategy

Answers

The type of multi-branding strategy that GM creates by using a separate website for each of its car models is known as the house of brands.

What is a multi-branding strategy?

A multi-branding strategy involves using a portfolio of products with different brand names by the same company.

Multi-branding is a  branding strategy that involves using two or more brand names to market the same product to different audiences.

Thus, the type of multi-branding strategy that GM creates by using a separate website for each of its car models is known as the house of brands.

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Exercise 20-17 Preparation of cash budgets (for three periods) LO P2 Kayak Co. Budgeted the following cash receipts (excluding cash receipts from loans received) and cash payments (excluding cash payments for loan principal and interest payments) for the first three months of next year. Cash Receipts Cash payments January $ 525,000 $ 475,000 February 400,000 350,000 March 450,000 525,000 According to a credit agreement with its bank, Kayak requires a minimum cash balance of $30,000 at each month-end. In return, the bank has agreed that the company can borrow up to $150,000 at a monthly interest rate of 1%, paid on the last day of each month. The interest is computed based on the beginning balance of the loan for the month. The company repays loan principal with any cash in excess of $30,000 on the last day of each month. The company has a cash balance of $30,000 and a loan balance of $60,000 at January 1. Prepare monthly cash budgets for January, February, and March. (Negative balances and Loan repayment amounts (if any) should be indicated with minus sign. )

Answers

The preparation of the cash budgets for the first three months of next year for Kayak Co. is as follows:

                                              January        February          March

Beginning cash balance      $30,000       $30,000        $69,294

Cash receipts                       525,000       400,000        450,000

Total cash available          $555,000     $430,000       $519,294

Cash disbursements           475,000        350,000        525,000

Ending cash balance          $80,000       $80,000          ($5,706)

Required minimum balance 30,000         30,000           30,000

Available for Loan Payment 50,000        50,000         ($36,000)

Loan Interest & Principal Payment:

Interest repayment                 $600            $106

Loan:

Beginning balance           $60,000      $10,600

Loan repayment              ($49,400)    ($10,600)

Ending balance                 $10,600       $0

Data and Calculations:

Month        Cash Receipts   Cash Disbursements

January       $ 525,000             $ 475,000

February        400,000                350,000

March            450,000                525,000

Minimum required cash balance = $30,000 per month-end

Loan limit = $150,000

Monthly interest rate = 1%

Interest payment and principal repayment = last day of each month

Interest computation = beginning balance

Beginning cash balance = $30,000

Beginning loan balance = $60,000

The beginning cash balance of March is $69,294 ($80,000 - $106 - $10,600)

Thus, at the end of March, Kayak Co. needs to borrow $36,000.

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A decrease in the demand for loanable funds would most likely be caused by a(n):

Answers

A decrease in the demand for loanable funds would most likely be caused by a decrease in business opportunities or transactions.

What are loanble funds?

Loanable funds are money or lumbsum available for individual or group of people to loan.

This funds are made available by an economy or an indication to support businesses.

People borrow more when there is good business transaction.

Therefore, A decrease in the demand for loanable funds would most likely be caused by a decrease in business opportunities or transactions

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A drop in demand for loanable cash is most usually due to a drop in business possibilities or transactions.

What factors influence the demand for loanable funds?

The desire for investment is the most important factor driving the demand for loanable cash. The expenditure of funds on the acquisition of new capital goods and inventory is referred to as an investment. The cost of borrowing cash for investment is readily represented by the interest rate.

The loanable funds market describes how this borrowing occurs. Savings provide the source of loanable funds. Borrowing drives the demand for loanable cash. The real interest rate and the amount loaned are determined by the interaction of the supply of savings and the demand for loans.

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Wilson manufacturing relies on an extensive __________ system, where its employees share information between departments. for example, departments such as human resources can share payroll information with employees. persons outside the firm do not have access to this network.

Answers

Answer:

Wilson manufacturing relies on an extensive Intranet system, where its employees share information between departments. for example, departments such as human resources can share payroll information with employees. persons outside the firm do not have access to this network.

_____ is considered to be the most persuasive and valuable method of promoting products and services. Group of answer choices

Answers

Word of mouth is the most persuasive and valuable method of promoting products and services.

What is Word of mouth communication?

Word of mouth is the process where information is passed from one person to another by using oral communication, or mouth which can be as simple as telling someone about clothe .An example of word of mouth communication is story telling and it is where one person tells others a story about a real event or something made up.

Therefore, Word of mouth is the most persuasive and valuable method of promoting products and services.

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What system is based on the supply and demand of goods to make a profit?.

Answers

Answer:

B : market economy

Explanation:

What risk are you taking when you invest your money in the stock market?.

Answers

Answer:

You could lose your entire investment.

Explanation:

When a manufacturer produces several products that are substitutes for one another and others that complement these products, it should use Blank______.

Answers

It is important that a manufacturer uses a Product-line pricing when its produces products that serves as substitutes for one another and others that complement these products.

What is a Product-line pricing?

This is product pricing strategy that is implement when a firm has more than one product in a product line.

The pricing strategy ensured the profitability is achieved by a firm in the market.

Therefore, the pricing strategy is imporant to use when a products serves as substitutes for one another.

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what would happened is banking didnt exist? i really have no idea​

Answers

Answer:

we wouldn't have loans to buy a house or a car. We wouldn't have paper money to buy the things we need. We wouldn't have cash machines to roll out paper money on demand from our account

Explanation:

I agree with the guy above me, and in addition to that we would have a hard time keeping our money organized

Organizations use ______ such as commissions, profit-sharing, bonuses, and stock options to attract and retain top performers.

Answers

Answer:

The answer is incentives

Explanation:

Hope this helps:)....if not then sorry for wasting your time and may God bless you:)

What will most likely cause a lender to approve credit?
O A historic credit score of 500
O Most payments paid on time
O A large amount of debt owed
O A long credit history with high balances

Answers

Answer:

Most payments paid on time.

Explanation:

The more you pay off the higher your credit score get the more you can buy.

Most payments paid on time, most likely cause a lender to approve credit. Thus, option (b) is correct.

A lender is less likely to approve loans if you have a 500 credit score historically and a lot of debt. Lenders take into account variables including credit score, payment history, debt-to-income ratio, and length of credit history when determining a borrower's creditworthiness.

Hard credit inquiries that are often needed for mortgage pre-approval can lower a buyer's credit score by five points or fewer. It is advised that throughout the underwriting process, borrowers refrain from opening any new credit lines or taking out any loans, since this could have an impact on the result.  

As a result, the significance of the payments paid on time, most likely cause a lender to approve credit are the aforementioned. Therefore, option (b) is correct.

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