"A young widow who works has a $750,000 net worth and a securities portfolio valued at $200,000. The current asset allocation of the portfolio is 80% equity securities; 8% fixed income securities; and 12% money market securities. In which circumstance should she consider reallocating her portfolio?"

Answers

Answer 1

Answer: C.  If she becomes unemployed during a recessionary period

Explanation:

If the young widow becomes unemployed during a recessionary period, she would need regular income and as it is a recession, companies might be feeling the heat so she might not get any from her Equity positions.

She would need to reduce her equity holdings and increase her fixed income and money market securities as they offer more stable and regular income that she can withdraw.


Related Questions

The Foursquare app makes use of a mobile device’s GPS system to determine the user’s location. Foursquare uses consumer location information from a mobile device’s GPS to target consumers with timely and relevant promotional messages. This is an example of location-based marketing. Select one: True False

Answers

Answer:

True

Explanation:

From the questions, location marketing is a market strategy that involves using the location of a device to market a product. This happens when the devices alerts the device owner about a near by business and what it is offering.

As seen in the question, the Foursquare app uses the location of a device to alert the device owner about a nearby business.

Cheers

To be more efficient in formatting tasks, it is important to follow best practices when designing type. Which scenarios
show the applications of best practices when designing type? Check all that apply.
Joe uses an 8-point font.
Angelo uses one type of font in his document.
Jeremiah underlines words for emphasis.
Akilah indents and adds space between her paragraphs.i
Amy uses the hyphenation feature in her justified paragraphs.

Answers

Answer:

2 and 5

Explanation:

Scenarios that show the applications of best practices when designing type is

Angelo uses one type of font in his document.Amy uses the hyphenation feature in her justified paragraphs.

Thus the correct option is B and E.

What is formatting?

Document formatting describes the way a document is set up. It involves requirements on how a document should look. Formatting makes documentation appear professional and appealing.

While making any document it is required to choose one type of font which makes it a structured and systematic manner. various styles of font may distract the focus of the reader while taking look at the document.

Use of the hyphenation feature in her justified paragraphs to make it more clear and more structured to achieve a more uniform line length, Word's hyphenation feature enables the insertion of line breaks and hyphens within words.

Therefore, options B and E are the appropriate answer.

Learn more about formatting, here:

https://brainly.com/question/22444669

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A service manager would like to send out e-mails to his customers regarding an upcoming national service promotion. When is he allowed to announce the promotion?

Answers

Answer: At the same time Nissan announces the promotion

Explanation:

Considering the competition in the market, companies tend to promote their service almost at the same time, so they can give their customers options to choose from that which their opposition gave. That's why you'll observe that Toyota releases a car this year and the same month Kia releases theirs. This is to create a room of competition in the mind of their clients.

Suppose that a consumer has a marginal propensity to consume of 0.7. If this consumer earns an extra $2, her consumption spending would be expected to

Answers

Answer:

Her consumption spending will rise by $1.40

Explanation:

Marginal propensity to consume is 0.7. This information means that the individual will consume 70% of every single dollar she earns. Hence, if she consumer earns an extra $2, her consumption spending will rise by $1.40

What is the expected result of a technology that improves rapidly and alternative service options with superior quality become available

Answers

Answer:

C). Obsolescence

Explanation:

Obsolescence is defined as the 'state of being obsolete or no longer in use' as the better alternate options become available in the market which possesses the ability to offer higher productivity. It is 'the expected consequence of a technology that enhances briskly and alternative service options with upper quality become accessible.' The producers are more likely to switch to the alternate not always due to the uncompetitiveness of the present technology but also due to the higher advantages and yielding capacity of the new option. Thus, option C is the correct answer.

The __________ theory suggests that people will evaluate the cost, benefit, or value related to making a change in a particular attitude, value, belief, or behavior to decide if it is worthwhile or not.

Answers

Answer: Expectancy-Outcome Values Theory

Explanation:

The Expectancy-Outcome Values Theory is one that is quite popular in many fields ranging from health to economics as it aims to explain that human behavior is governed by expectations of events.

Under the Expectancy-Outcome Values Theory, people will evaluate the cost, benefit, or value related to making a change in a particular attitude, value, belief, or behavior to decide if it is worthwhile or not.

For most if not all decisions taken therefore, there goes into it quite a lot of mental calculations involving the effects of an event before a decision is made.

An upward-sloping labor supply curve implies that Group of answer choices a firm can always hire more workers, even without increasing the wage. more workers are willing work when wages are low. more workers are willing to work as the market wage increases. there is a continuously increasing demand for labor. the labor supply is fixed.

Answers

Answer:

more workers are willing to work as the market wage increases.

Explanation:

IF the labour supply curve is upward sloping, its that  means there is a positive relationship between wages and labour supply. The higher the wages, the higher the number of workers willing to work. The lower the wages, the lower the number of workers willing to work

Please check the attached image for a upward sloping labour supply curve

What change in investment strategies has contributed to our economic system evolving into institutional capitalism, according to some analysts

Answers

Answer:

From the end of the Middle Ages to the first centuries of the Modern Era, some new investment strategies were developed, which contributed greatly to the development of capitalism.

Explanation:

In particular, group investment in companies that did not have a single, personal owner. This is what we know today as corporations.

The main advantage of a corporation is that many investors pour their money, something that raises the amount of capital, while at the same time not holding full personal responsability over their investments in case the corporation fails. In other words, investors do not have to pay with their personal wealth in case of corporate failure.

Two important early corporations are the Dutch East India Company, and the British East Indian Company. They were very important for the development of capitalism.

Built-in stabilizers: A. automatically increase the size of deficits when the economy experiences demand-pull inflation B. tend to offset the impact of discretionary fiscal policy C. avoid the problems associated with the administrative lag of discretionary fiscal policy D. automatically produce a budget that is balanced over the business cycle

Answers

Answer:

C. avoid the problems associated with the administrative lag of discretionary fiscal policy

Explanation:

Built-in stabilizers are stablizers are fiscal policies that automatically reduce the impact of economic fluctuations.

For example progressive tax is an example of Built-in stabilizers. If the economy is experiencing a downturn, automatic stabilisers is triggered and amount of tax paid is reduced.

discretionary fiscal policy  are subject to approval by the government authority. So, it might take time for it to scrutinised and approved. This is an instance of administrative lag.

Built-in stabilizers are not subject to approval before they are implemented.

The pattern of faulty and biased decision making that happens in groups whose members strive for agreement at the expense of good decision making is called

Answers

Answer:

"Groupthink " would be the right answer.

Explanation:

Group-thinking seems to be a tendency that happens whenever a segment of the population achieves agreements without rational thought or consideration of the implications or replacements. The tendency generates tension within the same group the seeks to suppress imagination but innovation to avoid confrontation.

According to David Ewing,
a. the corporate invasion of employees' civil rights is rampant.
b. sympathetic strikes ought to be made illegal.
c. employers have the right to fill the positions of striking workers with other workers.
d. seniority ought not be a factor in making transfers or promotions.

Answers

Answer:

a. the corporate invasion of employees' civil rights is rampant.

Explanation:

David Ewing did some study and made a report on the absence of liberty at the work place where he confirmed that there is absence of liberty and along with that there is authoritarianism in the workplace.

With all this the civil rights of employees are degrading in practice and the invasion is becoming rampant.

This is all because of extreme professional management is done now a days, further personnel engineering are also done, study of human behaviour and how to control them in the workplace is the main consideration of HR department.

Describe the tools that the Federal Reserve can use to influence aggregate demand to stimulate the economy out of the recession

Answers

Answer:

Monetary Policy.

Explanation:

The Federal Reserve will use its monetary policy to influence the aggregate demand. Moreover, the monetary policy includes different tools to monitor the money supply in the economy like bank rate, open market operations, reserve requirement, etc. Since the recession period is the period of an economic slowdown. Thus, the Federal Reserve will increase the purchasing power of people by injecting the money or increasing the money supply in the economy.

Despite the popularity of drug testing, there is no clear evidence that applicants who score positive on drug tests are any less reliable or less productive employees.

a. True
b. False

Answers

Answer:

False

Explanation:

drug testing is a technical ways of analysing specimen such as urine, blood and so on from human to know if the person is on particular paren drug. This is necessary because employee that test negative to some parent drugs are more productive in their daily activities and they are reliable, and it makes the production to be effective.

Therefore, the claims that Despite the popularity of drug testing, there is no clear evidence that applicants who score positive on drug tests are any less reliable or productive employees is false.

Determine the monthly interest on a loan with a balance of $168,300, a monthly payment of $1,356.80, and an interest rate of 7.75%?

Answers

Answer:

$1,086.94

Explanation:

The loan has a balance of $168,300

The monthly payment is $1,356.80

The interest rate is 7.75%

= 7.75/100

= 0.0775

Therefore the monthly interest rate on the loan can be calculated as follows

= $168,300 × 0.0775

= $13,043.25

Since there are 12 months in a year then,

= $13,043.25/12

= $1,086.94

Hence the monthly interest is $1,086.94

The kinked-demand curve model of oligopoly is useful in explaining Multiple Choice why oligopolistic prices might change infrequently. the process by which oligopolists merge with one another. why oligopolistic prices and outputs are extremely sensitive to changes in marginal cost.

Answers

Answer:

why oligopolistic prices might change infrequently

Explanation:

A kinked demand curve model states that participants in an oligopoly market will be hesitant to increase their price if another competitor increases their price, but will decrease their price in case another competitor decreases their price. I.e. a price increase does not generate a lot of reactions by the suppliers, but a price decrease will be matched by all the other suppliers.

The equipment and software Sparky wants to purchase will allow the computers used to design motors to be linked directly to the computer-aided equipment on the factory floor. Sparky is proposing to set up a(n)

Answers

Answer:

six sigma

Explanation:

Six sigma can be define as a management technique that is aimed at improving business so that the space for errors can be seen vividly.

The six sigma was invented in 1968 by an engineer with the aim of removing stains from clothes aside

From the question, it can be see that the sparky does not want equipment it is why he has conneted his production to a certain life

Thanks.

A draft is payable "to the order of Joe Jones or to bearer." Sally finds it and demands payment. Should the drawer pay Sally

Answers

Answer:

c. Yes, since the word "or" is contained in the instrument, either Joe Jones or the bearer of the draft may obtain payment.

Explanation:

These are options for the question below

a. No, unless Joe Jones's name is crossed off.

b. No, unless "bearer" is handwritten.

c. Yes, since the word "or" is contained in the instrument, either Joe Jones or the bearer of the draft may obtain payment.

d. No, the terminology is ambiguous and therefore the draft must be paid only to the order of Joe Jones.

From the question, we were told that A draft is payable "to the order of Joe Jones or to bearer." Sally finds it and demands payment. Should the drawer pay Sally

The right answer is Yes, this is because the word "or" is found in the instrument, and any one between Joe Jones and the bearer of the draft is liable in obtaining payments,

Note: a draft is an order for money to be paid, it in a written form.

An experimenter had groups of one to four people look up at the sky on a street corner and measured what proportion of people who walked by also looked up. this is an example of

Answers

Answer:

an experiment.

Explanation:

An experiment refers to a scientific process that could be made to discover the things, hypothesis test and exhibit a fact i.e. known

Here in the given situation, it is mentioned that the experimenter contains a group in which one to four people are looking up to the sky on the corner of the street and also the proportion is measured

So this is an example of an experiment

The difference between an interest rate of 5.4% on a 10-year corporate bond and an interest rate of 2.4% on a 10-year government bond is called

Answers

Answer:

The risk premium, is the right answer.

Explanation:

The difference between the interest rates of 10-year corporate bond and the 10-year government bond is termed as the “risk premium” because it is the rate of return that an investment offers or gives over the period and above the risk-free rate of return. Here risk-free rate is the return on the when there is no probability of financial loss. Therefore, government bonds have risk free returns because there is no financial loss associated with these bonds.

Bill’s Surf Shop needs to advertise. Which option provides the largest frequency? a. direct mail b. TV c. the Web d. billboards

Answers

Answer:

TV (television)

Explanation:

Advertising frequency is defined as the number of time an advert is viewed by individuals once it come online.

The higher the number of times a user is exposed to an advert in a given time frame the higher the advertising frequency.

Normally it take exposure of 5 times and above for an advertisement to be effective.

Bill’s Surf Shop will have more advertising frequency on television because all categories of customers watch the television. Including children, teenagers, middle aged, and older people.

The other mediums will attract less people. Direct mail is only for those with emails, the web is for technologically savvy clients, and billboards only for those that view them in their location.

Television gives a larger audience.

Which of the following is a benefit of outsourcing? a. It makes employees self-reliant. b. It helps a firm meet its expansion needs. c. It eliminates jobs that tend to be repetitious. d. It reduces a firm's risk of facing intellectual property theft.

Answers

Answer:

C. It eliminates jobs that tend to be repetitious.

Explanation:

Outsourcing is usually engaged in business to beat down the cost of production, it is the act in which a particular company invite another company from outside to carry out some service for them on agreement however, this service is been carried out at home.

It should be noted that one of the benefit of outsourcing is that It eliminates jobs that tend to be repetitious.

When the share of individual income tax collected by the government from people with higher incomes is smaller than the share of tax collected from people with lower incomes, then the tax is ____________________. optional proportional progressive regressive

Answers

Answer:

Regressive tax

Explanation:

This is an example of a regressive tax because the regressive tax is those tax that impacts more on the lower-income groups as compared to the higher income. While the progressive taxes are imposed on the basis of the income that means higher the income, higher the taxes. Secondly, the proportional taxes are a flat tax that remains flat irrespective of the income. While in the case of optional tax, there are some rebates or benefits is given to a certain income group of people. Therefore, from all the given options, the option regressive tax is correct.

After each department chair has turned in their proposed budget, the CFO reviews the budgets and determines if there are any changes that need to be made.

Answers

Answer: Decisional

Explanation:

Managers as leaders in the company are expected to make decisions that will keep the company going and able to meet its objectives.

According to renowned management researcher Mintzberg, there are 4 decision roles that a manager must take which are;

entrepreneurdisturbance handlerresource allocator and,negotiator

The CFO having to review the budget to determine if changes would be made would fall under the resource allocator decision making role of a manager.

ABC Corporation raised capital through an offering of equity securities. Which component of the balance sheet has changed as a result

Answers

Answer:

Share capital in the shareholders equity section

Explanation:

The balance sheet is structured according to the accounting formulae

Asset = Liabilities + Owners Equity

When a company raises capita by the issuing of securities or is referred to as share capital.

The securities issued are common stock or preferred stock.

There is a maximum amount that a company can raise from the sale of shares and this is called authorised share capital.

Share capital is a line item that is reported under Owner equity section of the balance sheet.

You are considering acquiring a common stock that you would like to hold for one year. You expect to receive both $1.25 in dividends and $32 from the sale of the stock at the end of the year. The maximum price you would pay for the stock today is _____ if you wanted to earn a 10% return.

Answers

Answer:

The maximum price you would pay for the stock today is __$30.23___ if you wanted to earn a 10% return

Explanation:

The maximum any rational investor would pay for such stock is the present value of the future cash flows that the stock would pay, in other words, the present value of dividend and sale of stock using 10% as the discount rate.

The present value of future cash flows=($1.25+$32)/(1+10%)

The present value of future cash flows=$33.25 /1.10

The present value of future cash flows=$30.23  

Which of the following regarding Master Budgeting is true?

a. The manufacturing overhead budget is typically prepared before the production budget.
b. The first budget a company prepares in a master budget is the production budget.
c. When preparing a direct materials budget, the units of raw material needed to meet production should be added to desired ending inventory and the beginning inventory for raw materials should be subtracted to determine the amount of raw materials to be purchased.
d. The cash budget is usually prepared after the budgeted income statement.

Answers

Answer:

Statement A, C and D

Explanation:

a. All the direct expenses budget is prepared in order to compute direct material, direct labour and other manufacturing overheads in order to compute the production budget cost. As all these are essentially required in order to make a production budget.

b. The first budget is usually the revenue or sales forecast budget.

c. Direct material to be bought = Direct Materials required in production + Closing inventory to be maintained - Opening inventory already available.

d. Cash budget not only comprises of inflow, but outflow is also as important as inflow. When all the incomes and expenses are budgeted then cash budget is prepared.

Answer:

c. When preparing a direct materials budget, the units of raw material needed to meet production should be added to desired ending inventory and the beginning inventory for raw materials should be subtracted to determine the amount of raw materials to be purchased.

Explanation:

The master budget refers to the budget in which the expenses, sales, purchases, are recorded

It can be sales budgets, purchase budgets, etc that comes under the operating budget

While preparing the direct material budget, the raw material required to be purchased should be find out by using the following formula

= Ending inventory balance + cost of sales - beginning inventory balance

Or we can say

Cost of goods sold = beginning inventory + raw material purchase - ending inventory

hence, the correct option is c.

10) Convexity of indifference curves implies that consumers are willing to A) settle for less of both "x" and "y". B) give up more "y" to get an extra "x" the less "x" they have. C) acquire more "x" only if they do not have to give up any "y". D) give up more "y" to get an extra "x" the more "x" they have

Answers

Answer:

The correct answer is the option B: give up more "y" to get an extra "x" the less "x" they have.

Explanation:

To begin with, the indifference curves are the ones that show the relationship that exists between two goods and its how much the consumer values its consumptions becuase it indicates how much of a good is able to lose in order to obtain more of the other. These indifference curves have certain characteristics and conditions, one of them is the fact that they are always convex. And that is because they will show how much of a good they will be able to lose in order to get an extra of the other good that they have less of it.

What accounting principle states that an asset or liability should be recorded at the amount given or received in the exchange transaction

Answers

Answer:

Historical cost.

Explanation:

Historical cost is an accounting principle which states that an asset or liability should be recorded at the amount given or received in the exchange transaction.

Under the Generally Accepted Accounting Principles, the historical cost concept is used for fixed assets in the United States of America. It is also known as the cost principle of accounting.

A _____ is a broad group of people or organizations that has wants and needs that can be satisfied by a general product category, has the ability to purchase the product and is willing to exchange resources for the product. An example would be all the families with new babies who need to buy a crib, have the money for a crib and are willing to spend the money necessary to buy a crib.

Answers

Answer:

market

Explanation:

A ___ is an inexpensive product that guards connected equipment against large power spikes or surges that may infrequently occur.

Answers

Answer:

surge protector

Explanation:

A surge protector is a device that is built to prevent electrical appliances from having issues associated with voltage spikes. It reduces the voltage that is being absent to the device when the the device is connected to it. Generally a surge protector can cause electrical appliances to have longer lives as it can help to prevent damages from minimal to great ones.

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