the death benefit of a variable life policy must be calculated at least
Answers
The death benefit of a variable life policy must be calculated at least annually. A variable life policy is a type of permanent life insurance that offers both a death benefit and a cash value component, with the latter being invested in various investment options.
Investment options such as stocks, bonds, or mutual funds. The death benefit provides financial protection to the policyholder's beneficiaries upon their death. Since the cash value component of a variable life policy is subject to market fluctuations.
The policy's overall value can increase or decrease depending on the performance of the chosen investments. To ensure that the death benefit remains sufficient and up-to-date, insurance companies are required to recalculate it at least once a year. During the annual calculation, the insurance company will evaluate the current cash value of the policy and the investments' performance.
Based on these factors, they will adjust the death benefit accordingly. This ensures that the policyholder's beneficiaries will receive a minimum guaranteed death benefit, as stated in the policy's terms and conditions, regardless of market performance.
In summary, the death benefit of a variable life policy must be calculated at least annually to account for changes in the policy's cash value and the performance of the underlying investments. This guarantees that beneficiaries receive the minimum death benefit specified in the policy, providing financial security and protection for the policyholder's loved ones.
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Related Questions
Which task would an editor-in-chief least likely undertake?
hire copyeditors
approve content
arrange layout
secure advertisements
Answers
Answer:
arrange layout
Explanation:
Answer:
approve content
Explanation:
Look at editorial staff on a magazine, from the top down, as a method for understanding media editors. The editor-in-chief is the title at the top of the masthead, or list of staff and contributors inside the magazine, and is in charge of the magazine, reporting to the publisher. The editor-in-chief guides the content and quality of the magazine. During meetings with managing editors and assignment editors as well as many other professionals involved in magazine content, editors-in-chief determine what topics will be covered, months ahead of the publication time.
our self-talk consists of words pictures and emotions. as we imprint our affirmations we
Answers
Self-talk is your inner voice or the way you speak to yourself. Although you almost probably are doing it without realizing it, you almost certainly are. In order to produce an internal monologue throughout the day, this inner voice mixes conscious thoughts with ingrained beliefs and biases.
What are the four categories of self-talk?Your inner discourse is known as self-talk.
Personalizing. You own all of the guilt for yourself.
Magnifying.
Catastrophizing.
Polarizing.
What are the five tiers of one's own self-talk?Helm Stetter outlines the "Five Levels of Self-Talk" (Negative Acceptance, Recognition and Need to Change, Decision to Change, The Better You, and Universal Affirmation) and offers advice on how to navigate each level for significant life changes.
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True or false. Your employer is responsible to make contributions, on your behalf, to the federal insurance contributions
Answers
Answer:
yes it is true
I HOPE THIS HELPS
TAKE CARE
Explanation:
three goods or services provided by the government
Answers
Answer:
public education, fire protection, police services,
Answer: Public Education, Interstate Highways, Postal Service
A company borrowed $150,000 at an interest rate of 9% compounded annually over six years. the loan will be repaid in installments at the end of each year, according to the accompanying repayment schedule. what will be the size of the last payment (x) that will pay off the loan?
Answers
Answer:
French Loan Schedule $33,437.97
German Loan Schedule $27,250
Explanation:
As there is no information attached about the kind of loan schedule I'm ghoing to resumethe work for the two possible options:
French Loan (equal payment across year)
This will be an annuity of 6 year at 9% interest:
\(PV \div \frac{1-(1+r)^{-time} }{rate} = C\\\)
PV 150,000.00
time 6
rate 0.09
\(150000 \div \frac{1-(1+0.09)^{-6} }{0.09} = C\\\)
C $ 33,437.967
German Loan (equal amortization across the loan-life)
$150,000 / 6 = 25,000 amorization per year
Last year payment will be the 25,000 plus the interest accrued during this time:
25,000 x ( 1+ 0.09) = $27,250
----------------------------------
If the question what about different principal payment across times then, there do another question an attach that information.
A wholesaler delivers makeup to supermarkets, sets up the items on racks,
and keeps track of inventory. This is an example of a
A. manufacturer's sales branch
B. truck jobber
C. rack jobber
D. drop shipper
Answers
Answer:
c. rack jobber
Explanation:
A wholesaler delivers makeup to supermarkets, sets up the items on racks, and keeps track of inventory. This is an example of a rack jobber. Hence, option C is correct.
What is wholesaler delivers?A wholesaler's main duty is to improve the efficiency of the supply chain for the gain of producers, distributors, and end consumers. At the same time, wholesalers help distributors manage their assets more efficiently.
Between a manufacturer, who creates a product, and an organization farther down the supply chain, a distributor serves as a link. A value-added reseller, or downstream company, can be either a wholesaler or a retailer.
A distributor is a company that buys non-competing products or product lines and resells them to customers directly. The majority of distributors also provide a range of services, including service, technical support, and warranty protection.
Thus, option C is correct.
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Identify the dimensions that are encompassed by sport management according to Blann. (Check all that apply.)
Answers
The dimensions covered by the management of sport, according to Blann, are organized sport, the sport company, the management of sporting experiences and the world of sport.
Sport management can be understood as planning, organizing, directing, controlling, budgeting, leading and evaluating skills in an organization whose business is related to sporting activities.
The sports industry is constantly growing, due to the growth of new sports in addition to the traditional ones, and increased media exposure, which has also generated an increased need for qualified professionals in sports media.
In the United States, the sports industry is the sixth largest industry in the country, so there is a need for greater structure and organization of business and sport, better management and understanding of the world of sport.
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A writer, an illustrator, a publisher and an agent would form a ______. a. functional team b. cross-functional team c. management team d. corporate team please select the best answer from the choices provided a b c d
Answers
A Cross-functional team will be formed when a writer, an illustrator, a publisher and an agent work together.
What is a Cross-functional team?This means the groups of people from various departments in an organization that work together to achieve a common goal.
Hence, when writer, an illustrator, a publisher and an agent work together, this is known as a Cross-functional team.
Therefore, the Option B is correct.
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Why is it important for consumers to compare?
Answers
Consumers compare brands, products, and product classes to allocate their budgets. They compare particulars on price and the mileage they anticipate to decide from the particulars' features.
It's especially salutary when buying precious particulars, particulars you buy frequently, or particulars where the product quality or price varies greatly. Through announcements, registers, and online quests, comparison shopping is easy and can save you, plutocrats.
Consumers compare brands for shopping is the only way to familiarize themselves with the stylish available interest rates, know how important analogous homes and buses are dealing for and ensure they pay as little as possible on your big expenditure.
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Thomas, the head of the marketing department in an organization, has structured his department in such a way that the roles and responsibilities of his workers are loosely defined. Moreover, he does not exert too much control over his workers and encourages two-way communication. His workers tend to be highly satisfied with their jobs when compared to those in the finance department, headed by John who exerts more control. From this scenario it can be inferred that Thomas has adopted a(n) _________ mechanism for coordinating. Group of answer choices
Answers
Group of answer choices.
a. bureaucratic
b. authoritative
c. centralized
d. behavioristic
Answer:
d. behavioristic.
Explanation:
A functional (departmental) organizational structure is a type of structure used to organize staffs by dividing them into various departments based on their skill set, roles or functions and knowledge.
These departments which are vertically structured may include, finance, IT, sales and marketing, research and development, customer service etc. Also, the various departments are headed by a functional manager who are saddled with the responsibility of overseeing, managing and reporting to the executive management.
A span of control can be defined as the number of people (employees or workers), functions, activities which are being directly controlled effectively and efficiently by a manager in an organization.
In this scenario, Thomas, the head of the marketing department in an organization, has structured his department in such a way that the roles and responsibilities of his workers are loosely defined. Moreover, he does not exert too much control over his workers and encourages two-way communication. His workers tend to be highly satisfied with their jobs when compared to those in the finance department, headed by John who exerts more control. From this scenario, it can be inferred that Thomas has adopted a behavioristic mechanism for coordinating because he doesn't exert too much control over his subordinates.
True/False? cutting costs and boosting productivity are strategies for achieving sustained competitive advantage.
Answers
The given statement "Reducing expenses and increasing efficiency are techniques used to gain lasting superiority in the market" is True because cutting costs and increasing productivity are strategies for achieving sustained competitive advantage. These strategies are beneficial to organizations because cost reduction helps reduce expenses, which increases profitability and improves overall efficiency.
Increasing productivity also helps to reduce costs and increase efficiency as it involves improving efficiency and effectiveness in the organization. Both strategies can help organizations gain a competitive advantage by improving how they operate, reducing costs and increasing productivity. In addition, these strategies can help organizations remain competitive in the long term as they can reduce costs and improve productivity over time, increasing their competitive advantage in the marketplace.
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During the month, Cellum, Inc. sold 100 cells at a price of $100 each. Each cell was sold at a 1% sales discount. Cellum had returns of $198 (net of discounts) and incurred bank service charges of $20. Net sales for the month ended equals ? Explain pleaseAdditional question. Does bank service charge included in net sales?
Answers
Net sales for the month ended equals $9,800. To calculate net sales, we need to first calculate the gross sales, which is the total sales before any discounts or returns.
Gross sales = 100 cells x $100 each = $10,000
Now, we need to subtract the sales discounts and returns from the gross sales.
Sales discounts = 1% x $10,000 = $100
Returns = $198
Net sales = Gross sales - Sales discounts - Returns
Net sales = $10,000 - $100 - $198 = $9,702
However, we also need to take into account the bank service charges of $20, which are considered as an expense and should be deducted from the net sales.
Final net sales = Net sales - Bank service charges
Final net sales = $9,702 - $20 = $9,682
Therefore, net sales for the month ended equals $9,800.
Bank service charges are not included in net sales, as they are considered an expense and should be deducted from the net sales.
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Which of the following is not part of the balance of payments
Answers
Option (d), Each is taken into account in the payment balance. The balance of payments is composed of three components: the current account, capital account, and finance account.
What is excluded from the balance of payments?The current account of the balance of payments does not include investments. The current account of payment balance is calculated by averaging the balance of trade, netfactor income, and net transfer payment. Current account for the BOP is either positive, indicating a surplus, or negative, indicating a deficit.
Economic surplus is one of the balance of payments' components, right?The trade of goods and services affects the country's balance of payments. If a country is able to export more goods and services than it can import, it is said to be in a surplus.
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first aid costs for others injured on the insured's premises
Answers
The first aid costs for others injured on the insured's premises are typically covered by the liability insurance policy. The policy helps to protect the insured from financial liability for injuries sustained by others on their property, including the expenses associated with providing immediate first aid.
When someone is injured on the insured's premises, the liability insurance policy may cover the costs of administering first aid, such as bandages, splints, or basic medical supplies. This coverage helps ensure that injured individuals receive necessary medical attention promptly, without the insured bearing the financial burden.
However, it's important to note that specific coverage and limits can vary depending on the insurance policy and the circumstances of the incident. It's always advisable to review the policy terms and consult with the insurance provider for accurate and detailed information regarding first aid costs for others injured on the insured's premises.
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Are paid in addition to the liability limit. First aid costs for others apply even if you are not legally liable and are in addition to the stated limits, but do not apply to those regularly ar the location.
First aid costs for others injured on the insureds premises
Data concerning Bedwell Enterprises Corporation's single product appear below: Selling price per unit $ 230.00 Variable expenses per unit $ 98.50 Fixed expense per month $ 451,190 The unit sales to attain the company's monthly target profit of $33,000 is closest to: (Do not round intermediate calculations.)
Answers
Answer:
Break-even point in units= 3,682 units
Explanation:
Giving the following information:
Selling price per unit $ 230
Variable expenses per unit $ 98.50
Fixed expense per month $ 451,190
Monthly target profit of $33,000
To calculate the number of units to be sold, we need to use the following formula:
Break-even point in units= (fixed costs + desired profit) / contribution margin per unit
Break-even point in units= (451,190 + 33,000) / (230 - 98.5)
Break-even point in units= 3,682 units
Which document attests to the validity of a municipal bond issue? registration statement
Answers
A legal opinion document attests to the validity of a municipal bond issue.
A municipal bond (munis) is a bond issued by a government agency. When you buy a municipal bond, you are lending money to the issuer to make a certain number of interest payments for a certain period of time.
Municipal bonds are bonds issued by states, cities, counties, and other government agencies to fund day-to-day obligations and fund capital projects such as building schools, highways, or sewers. increase.
Municipal bonds are exempt from federal taxes and in many cases also from state taxes. If the bonds purchased are from a country other than the purchaser's country of residence, the home country may impose taxes on the interest income from the bonds.
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1. mcknight company is considering two different capital expenditure proposals. project a will cost $400,000, has an expected useful life of 10 years, a salvage value of zero, and is expected to increase net profit in year 10 by $70,000. project b will cost $310,000, has an expected useful life of 10 years, a salvage value of zero, and is expected to increase net profits by $55,000. a required rate of return of 9% is appropriate for both projects. calculate: a) the net cash flow in year 10 for projects a and b b) the present value of the net cash flows for projects a and b
Answers
Answer and Explanation:
The computation of the net present value and profitability index of each project is shown below;
The net present value
For the project 1
= Present value × PVIFA factor for 10 years at 9% - initial cost
= $70,000 × 6.4177 - $400,000
= $49,239
for the project 2
= Present value × PVIFA factor for 10 years at 9% - initial cost
= $55,000 × 6.4177 - $310,000
= $42,973.5
Now the profitability index is
For project 1
= ($70,000 × 6.4177) ÷ $400,000
= 1.12
And, for project 2
= ( $55,000 × 6.4177) ÷ $310,000
= 1.14
The outline of coverage Mrs. Banes receives for her long-term care policy provides all of the following information EXCEPT
A) all the information she needs to make a valid comparison between policies
B) the policy's benefits and coverage
C) renewability requirements
D) premium cost
Answers
d. The outline of coverage for Mrs. Banes' long-term care policy provides all information except premium cost. The options are A) all the information for valid comparison, B) benefits and coverage, C) renewability requirements, and D) premium cost.
The outline of coverage Mrs. Banes receives for her long-term care policy provides all of the following information EXCEPT premium cost.
Long-term care is an umbrella term for a variety of services, including nursing home care, assisted living, home healthcare, and care coordination, that help people with chronic illnesses or disabilities with routine activities like eating, dressing, or bathing. Long-term care is typically provided by a mix of formal and informal caregivers, including family and friends, community resources, and healthcare providers.
The outline of coverage for Mrs. Banes' long-term care policy provides all of the following information except premium cost. Mrs. Banes' long-term care policy's outline of coverage provides her with the policy's benefits and coverage, renewability requirements, and all the information she needs to make a valid comparison between policies. Therefore, the correct answer is option D.
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Define the term, "living below your means." Why is this an important part of personal financial planning? (write your answer in 3-5 sentences)
Answers
Explanation:
Living below your means refers to spending less money than you earn and avoiding unnecessary expenses, so that you can save money and avoid debt. This is an important part of personal financial planning because it allows you to build up savings, which can be used to achieve financial goals such as buying a house, starting a business, or retiring comfortably. Living below your means also helps you avoid financial stress and uncertainty by providing a buffer against unexpected expenses or changes in income. By being mindful of your spending habits and focusing on saving and investing, you can create a more stable and secure financial future for yourself and your family.
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Answers
Answer:
v,j,j,hjhyiuy8y8u0i0ip
Explanation:
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Heyy
Can someone help me please
Answers
(Zaxbys)
select all the salads that are made with regular zalad base x (check all that apply).
Answer choices:fried caesar, buffalo blue, grilled caesar, blackened blue, grilled house, grilled cobb, fried house, fried cobb
Answers
Answer:
Fried Caesar, grilled Caesar, Buffalo blue, fried cobb
Explanation:
Salads are made with various vegetables and meat base. The regular salad is green salad which is most commonly used. There are many benefits of having salad with meal. Many people do not like vegetables so they add little meat with salad to consume it. Most regular salad base are fried Caesar and fried cobb.
In a closed economy government spending was $30 billion, consumption was $70 billion, net taxes were $20 billion, and GDP was $110 billion this year. Investment spending was $10 billion. As a result:
a. private savings were equal to $10 billion.
b. the government's budget balance was equal to a surplus of $10 billion.
c. net savings were equal to $0.
d. national savings equals $10 billion.
Answers
In a closed economy, national savings equals $10 billion.
What is the level of national savings in a closed economy?closed economy, national savings refers to the portion of income that is not consumed or spent by households or the government and is available for investment. Given the information provided, government spending is $30 billion, consumption is $70 billion, and net taxes are $20 billion. To calculate national savings, we subtract consumption and government spending from GDP,
which is $110 billion in this case. Therefore, national savings amount to $10 billion. This means that $10 billion is available for investment or future use within the economy. National savings plays a crucial role in financing investment and contributing to economic graphic.
National savings plays a vital role in an economy as it represents the accumulation of funds available for investment. It provides the necessary resources for financing capital projects, such as infrastructure development, research and development, and expansion of businesses. Higher levels of national savings contribute to increased investment, leading to enhanced productivity, job creation, and economic growth. On the other hand, low levels of national savings can limit investment opportunities and hinder long-term economic development. Governments often implement policies to encourage savings and investment to stimulate economic activity and foster prosperity.
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quick will give brainliest Bank A has a liquidity ratio close to 30 percent. This ratio will most likely _____.
not affect the bank’s run-off rate
cause a higher than acceptable run-off rate
cause a lower than acceptable run-off rate
Answers
Quick will provide the smartest The liquidity ratio for Bank A is almost 30%. The bank's run-off will probably not be impacted by this ratio.
Quick ratio is a ratio of liquidity?In order to determine a company's ability to meet its immediate financial obligations, analysts and investors use liquidity data called the quick and current ratios.The current ratio is calculated by dividing current liabilities by current assets.The quick ratio only considers highly liquid assets or cash equivalents as current assets.
What is a decent quick ratio?If the company's assets can be turned into cash extremely fast, a ratio of less than 1.5 is less problematic. Although a current ratio of three or four may indicate financial health, it also raises questions about whether a corporation is ineffective at investing the money it does have.
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PLEASE HELP QUICKLY: (FIRST ANSWER GETS BRAINLIEST) PERSONAL & FAMILY FINANCE
Owen wants to start a tutoring business. He has a space rented and a lot of ideas, but he has no employees who can tutor the students. Which category of economic resource does he require?
labor
entrepreneurial ability
land
Answers
Answer:
entrepreneurial ability
Sorry, no one answered your question sooner, hope that helps.
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Southern Rim Parts estimates its manufacturing overhead to be $396,000 and its direct labor costs to be $990,000 for year 1. The first three jobs that Southern Rim worked on had actual direct labor costs of $58,000 for Job 301, $83,000 for Job 302, and $140,000 for Job 303. For the year, actual manufacturing overhead was $434,000 and total direct labor cost was $841,000. Manufacturing overhead is applied to jobs on the basis of direct labor costs using predetermined rates. Overhead applied in each of the inventory accounts is as follows: Work-in-process inventory $ 33,640 Finished goods inventory 84,100 Cost of goods sold 218,660 Required: Prepare an entry to prorate the under- or overapplied overhead. (If no entry is required for a transaction/event, select "No journal entry required" in the first account field.)
Answers
Answer:
Southern Rim Parts
Journal Entry:
Account Title Debit Credit
Work-in-process inventory $9,760
Finished goods inventory 24,400
Cost of goods sold 63,440
Manufacturing overhead $97,600
To record the prorated under-applied overhead cost.
Explanation:
a) Data and Calculations:
Estimated manufacturing overhead = $396,000
Estimated direct labor costs = $990,000
Actual manufacturing overhead = $434,000
Actual direct labor costs = $841,000
Predetermined overhead rate = estimated overhead/estimated direct labor costs = $396,000/$990,000 = $0.40 per DL
Applied overhead:
Work-in-process inventory $ 33,640
Finished goods inventory 84,100
Cost of goods sold 218,660
Total overhead applied = $336,400
Underapplied overhead = $97,600 ($434,000 - $336,400)
Prorating the underapplied overhead to:
Work-in-process inventory $33,640/$336,400 * $97,600 = $9,760
Finished goods inventory 84,100/$336,400 * $97,600 = $24,400
Cost of goods sold 218,660/$336,400 * $97,600 = $63,440
Total underapplied overhead = $97,600
When making decisions, managers often must decide between doing what is beneficial for the firm in the short term, and what is beneficial for both the firm and society in the long term. To address this conflict, a firm must
Answers
When making decisions, managers are often faced with a conflict between what is beneficial for the firm in the short-term and what is beneficial for both the firm and society in the long-term.
This conflict arises because the actions that benefit the firm in the short-term may not necessarily align with the interests of society as a whole, which can lead to negative consequences for both the company and society in the long-term.
To address this conflict, a firm must adopt a long-term orientation and consider the broader social and environmental impacts of its decisions. This means looking beyond immediate financial gains and recognizing that actions taken today can have far-reaching implications for the company's reputation, customer loyalty, employee morale, and overall sustainability.
Firms that prioritize social responsibility and sustainable business practices are more likely to build strong relationships with stakeholders, including customers, employees, investors, and regulators. They are also better equipped to weather economic downturns and other disruptions, as they have diversified their risk and invested in building resilient supply chains and communities.
Ultimately, the key to addressing the conflict between short-term gains and long-term benefits is a commitment to corporate social responsibility (CSR) and sustainable business practices. By prioritizing the needs of society and the environment alongside those of shareholders, firms can create value for all stakeholders over the long-term, ensuring their continued success and impact.
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Which descriptions offer examples of Maintenance, Installation, and Repair workers? Check all that apply.
Andy uses heat and tools to shape glass.
Mana sets up and takes care of industrial machinery in a factory.
Emma fixes medical equipment.
Pablo makes parts for precise tools and equipment.
Colin cuts keys and repairs locks.
Cynthia supervises workers who operate machinery in a factory.
Answers
Answer:
B, C, E or 2, 3, 5
Explanation:
Hope this helps!! Have a great day!!
Answer:
B,C,E or 2,3,5
Explanation:
2. Mana sets up and takes care of industrial machinery in a factory.
3. Emma fixes medical equipment.
5. Colin cuts keys and repairs locks.
Not all voices of protest during this period came from the unions. identify the political agendas of the following individuals.a. Upton Sinclair: He called for the state to utilize disused factories, farms, and homes to create cooperative ventures to provide jobs for the unemployed.b. Huey Long: He called for a restructuring of the American economy in which wealth would be confiscated and redistributed to provide $5,000 grants and guaranteed jobs with annual salaries.c. Dr. Francis Townsend: He won wide support for a plan that would issue $200 to older Americans with the requirement they immediately spend it to boost the economy.
Answers
He demanded that the government develop cooperative ventures that would provide the unemployed economy with employment using abandoned factories, farms, and homes.
Upton Sinclair is the correct name.His suggestion to give seniors $200 and have them spend it immediately away in order to boost the economy was highly supported.It ought to say Francis Townsend, Dr.In order to provide $5,000 grants and ensured employment with annual salaries, he demanded that the American economy be reorganised.proper spelling.Short Huey He called for a restructuring of the American economy in which wealth would be confiscated and redistributed to provide $5,000 grants and guaranteed jobs with annual salaries.Correct label:Huey Long.The processes of an economy are greatly influenced by factors such as a person's culture, values, education, technical development, history, social organisation, political structure, legal system, and availability of natural resources. In addition to providing context and content, these factors establish the rules and conditions under which an economy runs
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a salesperson decides to provide an incentive to one influencer in each prospective company after they recommend his product and the sale is approved.
Answers
This means that after the influencer recommends the salesperson's product and the sale is approved, the influencer will receive a reward for their efforts.
The salesperson has decided to implement an influencer marketing strategy by offering an incentive to one influencer in each prospective company.
This strategy can be effective because it leverages the influencer's audience and credibility to promote the product.
By offering an incentive, the salesperson is also motivating the influencer to actively promote the product, which can lead to increased sales and brand awareness.
However, it is important for the salesperson to choose the right influencers who align with their brand and target audience to ensure the strategy is successful.
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