A customer, age 45, invests $100,000 in a variable annuity contract. It imposes an 8% charge if the contract is surrendered within the 1st 8 years; and a 4% charge if the contract is surrendered in years 9 and 10. Thereafter, there is no surrender charge. The contract has a Guaranteed Minimum Income Benefit (GMIB) that promises to annuitize the account at a value of $180,000 starting at age 60. After holding the contract for 5 years, the separate account has a net asset value of $120,000. The insurance company makes an offer to the client to buy back the contract at $121,000 with no surrender charges imposed. Assuming that the client's investment objectives have not changed, the best advice to the client is to:.

List three careers that require knowledge of science. list three careers that require the use of of math. list three careers that require the use of foreign language. list three careers that require the use of good writing skills. list three careers that require the use of good computer skills.

Reliability and validity reliability and validity are two important considerations that must be made with any type of data collection. reliability refers to the ability to consistently produce a given result. in the context of psychological research, this would mean that any instruments or tools used to collect data do so in consistent, reproducible ways. unfortunately, being consistent in measurement does not necessarily mean that you have measured something correctly. to illustrate this concept, consider a kitchen scale that would be used to measure the weight of cereal that you eat in the morning. if the scale is not properly calibrated, it may consistently under- or overestimate the amount of cereal that’s being measured. while the scale is highly reliable in producing consistent results (e. g., the same amount of cereal poured onto the scale produces the same reading each time), those results are incorrect. this is where validity comes into play. validity refers to the extent to which a given instrument or tool accurately measures what it’s supposed to measure. while any valid measure is by necessity reliable, the reverse is not necessarily true. researchers strive to use instruments that are both highly reliable and valid.

Computing equivalent units is especially important for: (a) goods that take a relatively short time to produce, such as plastic bottles. (b) goods with sustainability implications in their production processes. (c) goods that are started and completed during the same period. (d) goods that take a long time to produce, such as airplanes.