Wilma has a $57,500 certificate of deposit (cd) at the local bank. the interest on this certificate, $1,150, was credited to her account this year but she must pay an early withdrawal penalty if she cashes in the cd before next year. which of the following is a true statement?

a. wilma must include the $1,150 of interest in her income this year.
b. wilma must include the $1,150 of interest in her income when she cashes the cd.
c. wilma must include the $1,150 of interest in her income this year only if the bank waives the early withdrawal penalty.
d. wilma must include the $1,150 of interest in her income next year if she does not pay the early withdrawal penalty.
e. all of the choices are correct.

Of the roles commonly found in the development, maintenance, and compliance efforts related to a policy and standards library, which of the following has the responsibilities of directing policies and procedures designed to protect information resources, identifying vulnerabilities, and developing a security awareness program?

The beach dude (bd) employs a legion of current and former surfers as salespeople who push its surfing-oriented products to various customers (usually retail outlets). this case describes bd's sales and collection process. each bd salesperson works with a specific group of customers throughout the year. in fact, they often surf with their customers to try out the latest surf gear. the bd salespeople act laid-back, but they work hard for their sales. each sale often involves hours of surfing with their customers while the customers sample all the latest surf wear. because bd makes the best surfing products, the customers look forward to the visits from the bd salespeople. and they often buy a lot of gear. each sale is identified by a unique invoice number and usually involves many different products. customers pay for each sale in full within 30 days, but they can combine payments for multiple sales. bd manages its clothing inventory by item (e. g., xl bd surfer logo t-shirts), identified by product number, but it also classifies the items by clothing line (the lines are differentiated by price points as well as the intended use of the clothing, e. g., surfing products, casual wear, . draw a uml class diagram that describes the beach dudes sales and collection process. b. using microsoft access, implement a relational database from your uml class diagram. identify at least three fields per table. c. describe how you would use the relational database to determine the beach dude’s accounts receivable.

If a bond is issued at a premium the effective interest rate is most likely