Which professional helps individuals and families minimize risk?

Answers

Answer 1

Answer:

insurance agent.

the career profession who would help individual and families to manage and minimise risk would be insurance agent.

Explanation:

insurance is a field that manages protection from financial loss thus risk to it iwould be a component that they manage. insurance insurance agent would recommend the best product for individual and families according to their lifestyle and age


Related Questions

A river barge company can offer cheaper, although slower, per-pound transportation of products to companies when compared with transportation by air, truck, or rail. The river barge company should first target customers whose companies use:

Answers

Answer:

the cost leadership strategy.

Explanation:

A river barge company can offer cheaper, although slower, per-pound transportation of products to companies when compared with transportation by air, truck, or rail. The river barge company should first target customers whose companies use the cost leadership strategy.

A cost leadership strategy is a business strategy which is aimed at using the lowest cost of production and operation in a business.

Hence, river barge company cheaper, although slower, per-pound transportation as against the use of air, truck, or rail which would be more expensive.

The four important characteristics that define a perfectly competitive market are: Multiple Choice standardized good, full information, no transactions costs, participants are price takers. standardized information, finished good, no transactions costs, participants are price makers. standardized good, same information for buyer and seller, low transactions costs, participants are price takers. standardized good, full information, no transactions costs, participants are price makers.

Answers

Answer:

standardized good, full information, no transactions costs, participants are price takers.

Explanation:

Perfectly competitive markets are theoretical, because even commodities' markets (e.g. corn, oil, etc.) do not comply 100% with all the characteristics of a perfectly competitive market, but are close enough to consider them as such.

The 5 characteristics of perfectly competitive markets are:

Many participants (many buyers and sellers)Standardized goods or servicesZero transaction costsNo barriers to entryAll participants can access perfect information

As I said before, no market complies 100% with these requirements, but some commodities' markets get close enough, but even there:

commodity traders charge a transaction feecapital is a great barrier to entry that cannot be eliminated, e.g. it costs millions to drill and sell oilnot all participants will be able to access perfect information

McCoy's Fish House purchases a tract of land and an existing building for $940,000. The company plans to remove the old building and construct a new restaurant on the site. In addition to the purchase price, McCoy pays closing costs, including title insurance of $2,400. The company also pays $12,800 in property taxes, which includes $8,400 of back taxes (unpaid taxes from previous years) paid by McCoy on behalf of the seller and $4,400 due for the current fiscal year after the purchase date. Shortly after closing, the company pays a contractor $47,000 to tear down the old building and remove it from the site. McCoy is able to sell salvaged materials from the old building for $3,800 and pays an additional $10,400 to level the land.
Required: Determine the amount McCoy's Fish House should record as the cost of the land. (Amounts to be deducted should be indicated by a minus sign.)

Answers

Answer:

$1,004,400

Explanation:

The computation of the cost of land is shown below:-

The Total cost of land = Purchase price of the land + Title Insurance + Property Taxes + Cost of removing the building + Level the land - Salvaged materials

= $940,000 + $2,400 + $8,400 + $47,000 + $10,400 - $3,800

= $1,004,400

Therefore for computing the total cost of land we simply applied the above formula.

Darwin Inc. sells a particular textbook for $20. Variable expenses are $14 per book. At the current volume of 50,000 books sold per year the company is just breaking even. Given these data, the annual fixed expenses associated with the textbook total:

Answers

Answer:

Fixed costs= $300,000

Explanation:

Giving the following information:

Selling price per unit= $20

Variable expenses= $14

Break-even point in units= 50,000

To calculate the fixed costs, we need to use the following formula:

Break-even point in units= fixed costs/ contribution margin per unit

50,000= fixed costs / (20 - 14)

50,000*6= fixed costs

Fixed costs= $300,000

A church put advertisements in its weekly bulletins to encourage its members to participate in the services by telling a brief, positive story about how fellow members have helped them during times of need. Jack volunteered and shared his story during a service. Afterwards, he felt joyous. Was this an exchange in a marketing sense

Answers

Answer: Yes

Explanation: In the scenario shared above, an element of exchange exists which is the key aim of marketing by providing a trade platform for consumers and sellers to coexist and make exchange of goods and services for money, satisfaction or other things in return. In the scenario above, the church provided a marketing platform for people to share their thought and air their views. Jack made use of the platform and shared his thought and had a feeling of satisfaction and church members also read in other to learn or derive pleasure and the cycle continues.

An investor purchases a stock for $52 and a put for $0.60 with a strike price of $50. The investor sells a call for $0.60 with a strike price of $58. What is the maximum profit and loss for this position

Answers

Answer:

Maximum profit = $6

Maximum loss = -$2

Explanation:

The computation of maximum profit and loss for this position is shown below:-

Maximum profit = Strike price - Purchase of stock

= $58 - $52

= $6

Maximum loss = Strike price - Purchase of stock

= $50 - $52

= - $2

Therefore for determining the maximum profit and loss for this position we simply applied the above formulas.

A good layout requires determining: Group of answer choices Environment and aesthetics All of the above Material handling requirements Cost of moving between various work areas Capacity and space requirements

Answers

Answer:

All of the above.

Explanation:

All alternatives are correct with regard to organizational layout.

Layout planning must be aligned with organizational needs, ensuring the optimization of processes and flow related to the company's productive resources.

To be effective, the layout must combine environment, functionality, resources and costs, in order to optimize the arrangement and activities of the functional areas, allowing correct communication between departments, monitoring the flow of people and materials, reducing idleness and costs and improving the use of available space as a whole.

Calculate the latest start for Task B if its predecessor, Task A, finishes on day 3, its succeeding activity, Task E, has a latest start of day 7, and the duration of Task B is 2 days. Select one: a. day 7 b. day 5 c. Cannot be calculated based upon information given. d. day 3

Answers

Answer:

Day 5

Explanation:

Calculation of the latest start

Using this formula

Latest start = Activity's latest finish time-Activity's estimated duration

Where,

Latest Finish time= Day 7

Estimated Duration= 2 days

Let plug in the formula

Latest start= Day 7- 2 days

Latest start = Day 5

Therefore the latest start for Task B will be Day 5

Several controls are used to safeguard inventory except a.keeping high-priced inventory behind lock and key. b.hiring security guards. c.allowing all employees access to the materials warehouse. d.installing sensors at all exits.

Answers

Answer:

Option C, allowing all employees access to the materials warehouse, is the right answer.

Explanation:

Option C is the correct answer because option C recommends allowing access to all the employees. However, allowing access to all employees will reduce security and increase the risk level. While all given options are helpful in safeguarding the inventory except option C. Thus, in this case, it would be difficult to monitor every employee. So Option C is the right answer.

Tulip Corporation purchased equipment for​ $58,000 on January​ 1, 2017. On December​ 31, 2019, the equipment was sold for​ $24,000. Accumulated Depreciation as of December​ 31, 2019 was​ $33,000. Calculate gain or loss on the sale.

Answers

Answer:

question is not clear please send clear question

Paul attends the London Book Fair every year to represent his company and show its products to publishers from other countries. He also meets with individual publishers to discuss distributing their books in the U.S. The London Book Fair is Group of answer choices

Answers

Answer:dhehe

Explanation:

To achieve compliance with a new industry standard, a company develops a five-year plan in which goals are set for each year with incremental organizational changes focusing on one area of the new standard. This is an example of revolutionary change. managed change. structural change. cultural change. evolutionary change.

Answers

Answer:

evolutionary change.

Explanation:

To achieve compliance with a new industry standard, a company develops a five-year plan in which goals are set for each year with incremental organizational changes focusing on one area of the new standard. This is an example of evolutionary change.

In Business management, leaders are usually saddled with the responsibility of effecting positive changes or innovative solutions, this can be achieved through the application of an evolutionary change.

Evolutionary change are usually slow and irreversible when employed in an organization. For instance, the introduction of digital platform used for taking attendance of employees in an organization.

Offshore oil-drilling operations entail an unavoidable risk of an oil spill, but importing oil on tankers presently entails an even greater such risk per barrel of oil. Therefore, if we are to reduce the risk of an oil spill without curtailing our use of oil, we must invest more in offshore operations and import less oil on tankers.

Which of the following, if true, most seriously weakens the argument above.

A) Tankers can easily be redesigned so that their use entails less risk of an oil spill.
B) Oil spills caused by tankers have generally been more serious than those caused by offshore operations.
C) The impact of offshore operations on the environments can be controlled by careful management.
D) Offshore operations usually damage the ocean floor, but tankers rarely cause such damage.
E) Importing oil on tankers is currently less expensive than drilling for it offshores.

Answers

Answer:

A) Tankers can easily be redesigned so that their use entails less risk of an oil spill.

Explanation:

The option that if true most seriously weakens the argument above is: tankers can easily be redesigned so that their use entails less risk of an oil spill because the statement says that importing oil on tankers entails a greater risk of an oil spill than offshore oil-drilling and the option chosen directly talks about that and says that the tankers can easily be redesigned to decrease the risks of an oil spill which goes against the argument given.

The other options are not right because the options B and C support the argument given. Also, options D and E doesn't talk about oil spill which is the topic on the argument presented.

Q 7.24: A small grocery store has three employees working each shift, but they only have one checkout register. Depending on which employee is available when a customer is ready to check out, all three employees use the same register at various times of the day. Which principle of control activities does this grocery store violate

Answers

Please answer please please thank you

A seller is under contract to sell a property using the standard offer to purchase and contract. The elegantly decorated master bedroom has vertical window blinds, hand-painted light switches and electrical outlet covers and draperies fashioned from fabric coordinated with the wallpaper. Which of the following items may the seller legally remove before the close of the transaction?
a. the draperies and blinds.
b. the hand-painted light switches and electrical outlet covers.
c. the draperies.
d. none of the items.

Answers

Answer: The draperies

Explanation:

Fron the question, we are informed that a seller is under contract to sell a property using the standard offer to purchase and contract.

The seller can legally remove the draperies before the close of the transaction. It should be noted that under the NCBA/NCAR contract , all other items in the list are regarded as fixtures that are meant to remain along with the property but the draperies is not listed among them and therefore may be removed.

XYZ Company has issued 10%, $100 par non-cumulative preferred stock. Two years ago, XYZ omitted its preferred dividend. Last year, it paid a preferred dividend of $5 per share. This year, XYZ wishes to pay a common dividend. In order to make the distribution to common shareholders, each preferred share must be paid a dividend of:

Answers

Answer:

In order to make the distribution to common shareholders, each preferred share must be paid a dividend of:

$5 per share.

Explanation:

The preferred stock is non-cumulative.  This implies that XYZ's preferred stockholders are not being owed for the previous two year's dividend that was not paid.  Non-cumulative preferred stock does not attract dividend arrears whenever it was not declared.  It is cumulative preferred stock that attracts such arrears to be carried forward until they are paid.

CEO reduced the list of candidates to include only those applicants the CEO found acceptable. The CEO is implementing the political strategy of controlling the agenda. being irreplaceable. overlapping authority. emphasizing status inconsistency. relying on objective information.

Answers

Answer:

A). Controlling the agenda.

Explanation:

The CEO is here executing the political strategy of 'controlling the agenda' as he is controlling that which candidates would go further and selected for different processes. It will help him in directing the attention on candidates which he wants and limit the decision(regarding the selection of candidates) to the only ones which she/he finds desirable/acceptable. It will allow him in having a political edge and control over the decisions and have an adavantage according to the situation. Thus, option A is the correct answer.

hoose the statement that is incorrect. A. The consensus is that the​ crowding-out effect is strong enough to make the government expenditure multiplier less than 1. B. The government expenditure multiplier is the quantitative effect of a change in government expenditure on real GDP. C. The tax multiplier is the quantitative effect of a change in taxes on real GDP. D. The​ demand-side effects of a tax cut are likely to be larger than an equivalent increase in government expenditure

Answers

Answer: D. The​ demand-side effects of a tax cut are likely to be larger than an equivalent increase in government expenditure

Explanation:

There is now a consensus amongst economists that an increase in Government spending will have larger demand-side effects than a tax cut. This is because Government spending goes directly into the economy and stimulates growth through the ripple effect that it has that will see money multiplied.

Tax cuts on the other hand are only effective if consumers either consume the tax savings or invest them. While they will do this for most of the savings, there is a high probability that they will save some of them instead of spending them.

________________ focuses on explaining the differences between planned and actual contribution margins. a.Contribution margin analysis b.The unit cost factor c.The quantity factor d.The unit price factor

Answers

Answer: A.) Contribution Margin analysis

Explanation: The contribution margin analysis could be explained as an analytical tool in accounting which helps managers in observing variation or differences in the budgeted and actual contribution margin of a product. The contribution margin is used to determine the revenue made on a product after deducting the fixed cost incurred in it's production. It is also used to evaluate the performance of individual product derived from the amount of residual profit after deducting necessary production cost.

Which is true? Group of answer choices If data is not available, management cannot measure analysts’ performance. The best companies typically place an emphasis on one extremely important goal. Team performance is only as good as the performance of the analysts on the team. All of the above.

Answers

Answer: If data is not available, management cannot measure analysts’ performance.

Explanation: Analysts render help to businesses by gatheriby external and internal data and communicating this data clearly to all stakeholders, facilitators and partners Invokv in the organizatio. An analyst main role is to  principally interprete data, formulate reports and make recommendations based upon the research findings. Without this data the management can’t judge the performance of an analyst.

What can students do with their recorded data in Science Journal?
A) Calculate the standard deviation of a set of data values
B) Review recorded graphs and individual data points
C) Make their data audible
D) Share and export experiments and sensor recordings

Answers

Answer:

B. Review recorded graphs and individual data points

C. Make their data audible

D. Share and export experiments and sensor recordings

Explanation:

The Science Journal application refers to the scientific journal at the digital platform that helps users to record projects using pictures, notes, and built-in sensors from the phone of the user. While setting up a new experiment it provides the opportunity to document one's thoughts and findings as he or she begins to ask queries and to come up with their own investigations. Its user-friendly features use sensors and recorders of telephones in an efficient way.

Grayson was employed as a field technician servicing building HVAC systems, but because of a downturn in the economy, he was laid off from his job. After unsuccessfully trying to secure another field tech position, Grayson finally took a job as a stock employee at Home Depot. Which of the following best describes Grayson's situation?
A. Grayson is underemployed.
B. Grayson is seasonally unemployed.
C. Grayson has downsized.
D. Grayson has secured job enrichment.

Answers

Answer:

A. Grayson is underemployed.

Explanation:

Underemployed defines that when a person is skilled but not able to utilize their ability and skills for some reason or not get enough money for it.

Therefore according to the given scenario, Grayson was skilled in the filed of technician but unfortunately because of economy Garyson was laid off by the company. After trying a lot to get the job in his field he was unsuccessful then he pick a job of stock employment which indicates that field is not of his use as it is of another field or Grayson is underemployed.

So, from the above description the right answer is A

Trina's property is listed with Avalon Homes. The market is a little slow, and Trina's listing is a high-end home, where sales are even slower. She's had several showings, but no offers. The term of the listing agreement is nearly over. What happens when the termination date is reached?

Answers

Answer: Listing expires and terminated

Explanation: In the scenario above, Avalon homes only serves to aid the sale of Trina's property and as such will not be held liable for any offense if the property isn't sold within the listing period. Avalon homes isnt responsible for either the slow nature of market at the time or the fact that Trina's property belongs to the high end category which often takes even more time to get a buyer for. Therefore, once the contract period of Trina's listing is reached, the listing expires and it's terminated unless another listing contract is struck between both parties.

Your sister recently opened a swanky three-floor cheese market, Fromagerie, which is quickly gaining attention from locals, the press, and restaurateurs in the area. Located near a college town, Fromagerie specializes in rare international cheeses; and on the top floor, there is a bistro where patrons can take cooking lessons, meet new people, dine, and sample some of the world's most savory cheeses before they make a purchase decision. The bistro element of the Fromagerie is primarily an example of your sister's retail strategy in the area of:______
a. merchandising
b. atmospheric
c. location
d. customer services
e. promotion

Answers

Answer:

customer service

Explanation:

In simple words, h Customer care or service refers to the immediate each-on-one relationship between a paying customer and the subject company's marketing agent. This direct engagement is seen by most merchants as a key factor in maintaining customer loyalty and promoting repeat sales.

Thus, from the above we can conclude that the given case relates to customer service.

Tesco was forced to restate its earnings for the first half of 2014 to 431 million USD because senior managers in the UK food business had booked income early and delayed the booking of costs in order to improve appearances of financial performance. This scandal results from ____________ and __________.

Answers

Answer:

Poor governance and Control

Explanation: The overstatement of profit made by TESCO, a renowned grocery chain in the U. K could largely be traced to the poor internal structure governing the setup which demonstrated high level of ineptitude in the control and anchoring the of the firm's activities. In a bid to increase profit and market standing, TESCO embarked on an aggressive financial strategy whereby income was doctored and suppliers tricked into making payment in other to up the company's earning figure. This act explains how disjointed the upholding structure within the company was at the time.

Importers Direct arranged to have a French winery ship a large quantity of fine wine to the United States. By signing a(n) ______________, Importers Direct authorized its bank to make full payment to the French winery if and when the wine arrives at the Importers Direct warehouse in Philadelphia.

Answers

Answer: letter of credit .

Explanation:

A letter of credit is known as

a trade finance mechanism also known as "letter of undertaking" used as a guarantee document that the payment of goods and services will be fulfilled between a seller and a buyer.It is also known as documentary credit or a bankers commercial credit.

Hence, Importers Direct arranged to have a French winery ship a large quantity of fine wine to the United States. By signing a letter of credit , Importers Direct authorized its bank to make full payment to the French winery if and when the wine arrives at the Importers Direct warehouse in Philadelphia.

Using the assembly-line balancing procedure, which of the following is the required cycle time in minutes per unit if the daily production time is 480 minutes and the required daily output is 50 units?
a- 480
b- 0.104
c- Cannot be determined from the information above
d- 50
e- 9.6

Answers

Answer:

e - 9.6

Explanation:

Since the daily production time is 480 minutes, and the daily output is 50 units. The required cycle time in minutes per unit can be determined by;

[tex]\frac{minutes}{units}[/tex]

=  [tex]\frac{480}{50}[/tex]

= 9.6 min/unit

This implies that it takes 9.6 minutes to produce a unit daily. Then 480 minutes to produces 50 units daily.

Miguel is a new salesperson for Imperial Realty. Dissatisfied with the lack of mentoring he has received, he decides to work for Millennium Real Estate instead, and has his license transferred. At the time of the switch, he had listed two properties. What happens to his listings

Answers

Answer:

Miguel cannot keep the listings; they belong to Imperial Realty.

Explanation:

Since Miguel decides to work for Millennium Real Estate instead and want to transferred his license but at the time of switching,  he listed two properties.

So as a salesperson he cannot keep the listing as it belongs to a broker not a salesperson and the broker should also be reassigned to the new salesperson plus it also belongs to the imperial realty which he has not part anymore

________ determines the point at which the sum of carrying costs and ordering costs are minimized, or the point at which carrying costs equal ordering costs. Group of answer choices Reorder point Economic Order Quantity When to order Inventory turnover

Answers

Answer:

Economic Order Quantity

Explanation:

The economic order quantity is the quantity at which the ordering cost and the carrying cost is minimized and equivalent to each other. It is the quantity that should be purchased by the company so that the cost of ordering and the holding cost could be less

The formula to compute it is shown below:

[tex]= \sqrt{\frac{2\times \text{Annual demand}\times \text{Ordering cost}}{\text{Carrying cost}}}[/tex]

Hence, the correct option is b i.e. economic order quantity

The USDA maintains ethanol has an impact on food prices. "Higher ethanol production definitely and directly raises the price of corn," said USDA economist Ephraim Leibtag. In the long run in the corn market, what is true if the production of ethanol increases?

Answers

Answer:

new corn farmers will enter the market and decrease the market price.

Explanation:

In regards to the information provided, it can be said that in a long term perspective if the production of ethanol keeps increasing then new corn farmers will enter the market and decrease the market price. This is because as ethanol production increases, so does the price of corn. This will continue up to a certain point were profitability for farmers is high and many new farmers will enter the market hoping to profit from the corn as well. All these new farmers will drastically increase the production of corn and as the supply of corn rises the prices will begin to fall.

Other Questions
Carly Corporation issued $200,000 of 30-year, 8% bonds at 106 on January 1, 2016. Interest is payable semiannually on June 30th and December 31st. The straight-line method of amortization is to be used. After 11 years, what is the carrying value of the bonds? This afternoon, Vivek noticed that the temperature was above zero when the temperature was 17 5/8 degrees. Its evening now, and the temperature is -8 1/2 degrees. What does this mean? If the Administrator were examining the actions of a particular agent to determine whether the agent engaged in churning a client's account, focus would be placed upon A) the number of complaints received relating to that agent B) the amount of profits generated in the client's account C) the client's objectives, financial resources, and the character of the account D) the length of time the account had been opened (OFFERING ALL THE POINTS I HAVE) Word Problem. Please help!! Part 1 of problem: The main tank has a radius of 70 feet. What is the volume of the quarter-sphere sized tank? Round your answer to the nearest whole number and use 3.14 for Pi. (Use sphere volume formula) Part 2: The theme park company is building a scale model of the killer whale stadium main show tank for an investor's presentation. Each dimension will be made 6 times smaller to accommodate the mock-up in the presentation room. How many times smaller than the actual volume is the volume of the mock-up? Part 3: Using the information from part 2, answer the following question by filling in the blank: The volume of the actual tank is __% of the mock-up of the tank. 50 POINTS + BRAINLIEST Consider the changes in literary style during the modern era. Modernist writers explored new literary techniques, such as free verse, and broke from traditional literary customs. Research a writer from the modern era and describe the writer's literary style and technique. Write a paragraph about the writer your chose. I just need 5 sentences :/ In Anna Sewells novel Black Beauty, the narrators master is a good and kind man. Which sentence in this excerpt reflects this trait through indirect characterization? Our master was a good, kind man. He gave us good food, good lodging, and kind words; he spoke as kindly to us as he did to his little children. We were all fond of him, and my mother loved him very much. When she saw him at the gate she would neigh with joy, and trot up to him. He would pat and stroke her and say, "Well, old Pet, and how is your little Darkie?" I was a dull black, so he called me Darkie; then he would give me a piece of bread, which was very good, and sometimes he brought a carrot for my mother. All the horses would come to him, but I think we were his favorites. My mother always took him to the town on a market day in a light gig. 1. for what constant k must f(k) always equal the constant term of f(x) for any polynomial f(x) 2. If we multiply a polynomial by a constant, is the result a polynomial? 3. if deg(f+g) is less than both deg f and deg g, then must f and g have the same degree? Please answer in the form of an angle or degree Which of the following uses the correct punctuation?O A.I had sixty-seven dollars until-someone we're still not sure who stole my walletfrom my back pocket.OB.I had sixty-seven dollars until someone-we're still not sure who_stole my walletfrom my back pocket.O C.I had sixty-seven dollars until someone-we're still not sure who stole my walletfrom my back pocket.ODI had sixty-seven dollars untilsomeone we're still not sure who stole my walletfrom my back pocket.I need help! is the square root of 34 rational or irrational What the answer question The spread of cancer cells from one site to others in the body is known as _____. 1. The total area within any continuous probability distribution is equal to 1.00. A. TrueB. False2. For any continuous probability distribution, the probability, P(x), of any value of the random variable, X, can be computed.A. True B. False 3. For any discrete probability distribution, the probability, P(x), of any value of the random variable, X, can be computed.A. True B. False A landscaping company charges $50 per cubic yard of mulch plus a delivery charge of $24. Find alinear function which computes the total cost C(in dollars) to deliver a cubic yards of mulch.C(x) = Read the sentence below. "He was a true statesman and wanted to do what was right for the citizens of his district."Based on the context of this sentence, which word gives it a positive connotation?A. wantedB. citizensC. statesmanD. district Match each type of financing with its purpose.Seed capital?Funding for research anddevelopment of abusiness ideaAngel investment?Funding to get a newbusiness up and runningVenture capital?Investment to achievehigh returns quickly crea un acrostico con la palabra RECONCILIACION. el tema es religion Write the equation of a line through the given point with the given slope (0,6);m undefined Bagwell's net income for the year ended December 31, Year 2 was $175,000. Information from Bagwell's comparative balance sheets is given below. Compute the cash paid for dividends during Year 2. At December 31 Year 2 Year 1 Common Stock, $5 par value $500,000 $450,000 Paid-in capital in excess of par 948,000 853,000 Retained earnings 688,000 582,000 A. $95,000. B. $201,000. C. $69,000. D. $79,000. E. $50,000. I really need help!! What is the cash and carry amendment to the Neutrality Acts? A. The US will sell arms, as long as countries pay cash and provide their own transport B. US ships carrying goods to other countries are allowed to attack threatening ships C. The US can declare war, but only if attacked first D. The US will sell arm, but not to members of the Axis countries