1. Under the Capital Retention (Preservation) method, how much life insurance coverage does an individual need if the survivors’ desired annual income is $85,000, the expected annual income from invested assets is $15,000, the expected annual Social Security income is $20,000 and the life insurance proceeds can earn an 8% rate of return?

• What are some factors contributing to the rise in veganism? Is it just a fad? Would you consider following a vegan diet? Why or why not?
  • Think of the menu at your favorite restaurant. What are the options you would have to choose from if you were a vegetarian? How about vegan?
  • What challenges do you think you would experience socializing with friends and family if you decided to follow a strict vegetarian diet?  
• Why do carefully planned vegetarian diets help reduce the risk of chronic diseases? What are the risks of a poorly planned vegetarian/vegan diet?  
• Most of us will not choose to become vegetarian, but many of us would benefit from a diet of less meat. Discuss two ways you could alter your diet so that you eat less meat and include more plant-based sources of protein on a daily basis.

1. The scientific method of determining the age of the solar system

a. uses the detailed record of impacts on the moon to determine the age of the solar system.

b. shows that the age of the solar system is nearly 14 billion years.

c. uses the current surface temperature of the sun and the rate at which this temperature is decreasing.

d. uses measurements of the proportions of various isotopes in meteorites.

2. Which of the following gives the best reason as to why it is difficult to learn about extrasolar planets.

Use the following information to answer the next three questions.

Transactions between Japan and the rest of the world in 2019 are shown below.

1. The Japanese government sells 75 million yen worth of treasury securities to foreign investors.
2. Japanese companies purchase 500 million yen of steel from Canada.
3. Japanese automobile manufacturers sell 600 million yen worth of cars abroad.
4. PQU bank (Japanese firm) receives 20 million yen in interest from US investments.
5. Japanese citizens spend 125 million yen in tuition at US universities.
6. Japanese government buys 10 million euros in the FX market.
7. Japan gives 60 million yen in aid to Haiti.

Find the current account balance and express it in terms of millions of yen (EX: enter 2 if the answer is 2,000,000). Do not use currency symbols or words when entering your response.

3. Critically and briefly describe the following conventional monetary policy tools and policy target and their relative effectiveness in controlling business cycle fluctuations such as state of recession and/or state of inflation. How do they operate during recession and inflation? Draw AD-AS diagram of macroeconomics model to illustrate your explanation in words.

• Reserve Requirements
• Discount Rate
• Open Market Operations
• Federal Fund Rate (Policy target)

5. Distinguish between budget deficit and public debt with an example from actual data from the US government budget office discussed in the beginning of this chapter. Give at least three reasons why the budget deficit and public debt has been continuously rising since 2001.
6. Give at least two reasons why balanced budget approach for the US economy is not a realistic approach in the short-run despite a political advocacy to bring the budget to balanced budget?

The median US salary is $50,700, according to US Census data. Using a one-sample

t-test, test to see if participant income (INC1) is different from the national average. Use a two-tailed test and an alpha level of 5%.

1. Participant income is significantly greater than the national average
2. Participant income is significantly less than the national average
3. Participant income is not significantly different from the national average
4. Participant income cannot be compared to the national average

One-Sample Statistics

INCOME N=400 Mean=$47,112.92 Std. Deviation=$40,477.089 Std. Error Mean=$2,023.854

One-Sample Test

Test Value = 0

INCOME t=23.279 df=399 Sig. (2-tailed)=.000 Mean Difference=$47,112.920

95% Confidence Interval of the Difference

(lower)$43,134.17 (higher)$51,091.67

Technology has changed many things about the way that the world lives, works, produces things, and runs. The energy industry has been significantly impacted by the development of renewable energy harnessing. For this discussion, analyze 2 of the attached articles, and provide a logical discussion about the coal industry and how it is being replaced due to technology.

Unit 5 Coal Losses Offset Elsewhere Article.pdf

Unit 5 2017 US Energy and Jobs Report_0.pdf

Unit 5 2017 US Energy and Jobs Report State Charts 2_0.pdf

Support your discussion with data from the article and from other sources if you would like. Analyze the impact of renewable technology on the economy, the collective issues that are impacted by these new technologies, and the global renewable energy revolution. Provide at least 2 resources in APA format.

Kellogg's, maker of Pop-Tarts, recently introduced Pop-Tarts Gone Nutty! The new product includes flavors such as peanut butter and chocolate peanut butter. Although the new Gone Nutty! product will reap a higher wholesale price for the company ($1.10 per eight-count package of the new product versus $0.95 per package for the original product), it also comes with higher variable costs ($0.60 per eight-count package for the new product versus $0.30 per eight-count package for the original product). Assume the company expects to sell 6 million packages of Pop-Tarts Gone Nutty! in the first year after introduction but expects that 70 percent of those sales will come from buyers who would normally purchase existing Pop-Tart flavors (that is, cannibalized sales). Assuming the sales of regular Pop-Tarts are normally 280 million packages per year and that the company will incur an increase in fixed costs of $410,000 during the first year to launch Gone Nutty!, will the new product be profitable for the company? Determine the unit contributions and the loss for every package cannibalized from the original product. (Round to the nearest cent.)

1. Which of the following is not a required paragraph in unmodified paragraph for US nonpublic companies?

2.

When a subsequent event provides evidence about conditions that did not exist at the balance sheet date, the auditor should do which of the following?

3.

Which of the following is true regarding the audit report for a US public company (issuer)?

4.

The audit procedure of vouching down from financial statement to supporting documents can be used to test which type of error?

5.

In the audit risk model, what is the expected relationship between the amount and persuasiveness of audit evidence and detection risk?

briefly summarize the four ways that poverty hurts Americans long term health

1. Poverty prevents Americans from buying healthy food. This is one of the biggest contributors to poor health in low-income communities. Many of the poor, including those who rely on food stamps, have to patronize bodegas or mini-marts that sell salty snacks and the kinds of processed foods that cause hypertension, obesity, and diabetes in lieu of fresh produce. According to an Economic Research Service (ERS) report for the U.S. Department of Agriculture, 11.5 million Americans are both poor and live in low-income areas over a mile away from a supermarket that offers healthier food variety. On average, food stamp beneficiaries live about 1.8 miles away from a grocery store. Without a vehicle or public transportation to help these Americans get to the market and carry their groceries back home, many opt for high-calorieand unhealthy food instead. So it isn't surprising that regions where poor people can't get to supermarkets also have higher recorded rates of obesity and diabetes. 2. Poor people are more likely to smoke. Research shows that smokers tend to be lower- income and less educated Americans. But a new study from Duke Medicine suggests that isn't a coincidence, and that those who grow up in poverty may actually be predisposed to picking up the unhealthy habit. That's a consequence of economic stresses that inhibit Americans' ability to self-regulate healthy behaviors. "Poverty during childhood not only appears to affect childdevelopment, but can have lasting effects on the types of health choices made during adolescence and early adulthood, especially as it relates to cigarette smoking," wrote lead author Dr. Bernard Fuemmeler, an associate professor in Community and Family Medicine at Duke University School of Medicine. "Economic strains may shape an individual's capacity for self- control by diminishing opportunities for self-regulation, or affecting important brain structures." 3. The poor live in regions with worse air quality. The American Lung Association reports that low-income and minority Americans live in areas with worse air quality. There isn't a single concrete reason for this, although researchers point to the fact that poor people are more likely to live close to sources of pollution, like industrial plants that emit harmful particles. Unfortunately, certain low-income populations also suffer from medical problems that make air pollution even worse for their health. For instance, the elderly, African-Americans, Mexican-Americans, and people who live near a central city have far higher rates of diabetes and asthma — both conditions that are exacerbated by bad air quality. Air pollution has also been linked to kidney problems, lower birth weights, higher levels of infant mortality, and kills over 2.5 million people every year. 4. Economic insecurity has devastating consequences for both physical and mental health. Economic inequality takes a massive toll on mental health — even more so than warfare, by some accounts. In fact, new research has shown that the mental stress of being poor is a major reason that low-income people are more likely to have high blood pressure, cholesterol, and become obese or diabetic, since long-term stress creates hormones that compromise the immune system and promote weight gain. That trend towards poorer health actually begins in the womb, since mothers who are stressed during pregnancy are more likely to have children who are predisposed to developing diabetes and obesity, according to Johns Hopkins researchers. Yale University's School of Medicine just released a new study finding that poor moms who don't have an adequate supply of diapers often end up depressed or suffering from other mental illness — something which can be passed on to their children and affect their school performance and general health. Even Americans who eventually escape a life of poverty must deal with the long- term consequences and chronic conditions they've developed on their way out of it.