Brainarium

2 components to rehabilitation - move the injured area as often as possible and then work on getting strength back 3 major components of effective lifetime weight management - food, exercise, emotional 4 main reasons injuries occur - overuse, improper equipment, weakness and inflexibility, mechanical problems acute stress - small amount of stress alarm - perceived by pituitary adrenal system anorexia nervosa - rigid dieting and excessive exercise benefits of fiber - necessary for a healt...

____ have both tangible and intangible characteristics. - Products _____ are responsible for tactical planning that will implement the general guidelines established by top management. - Middle managers ___________ exists when there are many small businesses selling one standardized product. - Pure competition ___________ is an account showing money owed to a company by its clients or customers. - Accounts receivable A budget surplus, when a nation spends less than it takes in from taxes,...

ability to use the nursing process - learn this in clinical and use it in clinicals. assess the situation, nursing diagnoses, goals for the patient, implement them, evaluate the plan to see if you met your goals or not accelerated programs - -- prepare students at baccalaureate & master's levels -- builds on previous learning experiences -- baccalaureate programs completed in 11 to 18 months & master's programs take 3 years -- chosen due to motivation, older, competitive ,and have high a...

________ elements are essential to life. - 25 _____________ are also a part of the nucleus; they are neutral. - Neutrons ______________ have a negative charge. They move around the nucleus in shells at different distances and energy levels. - Electrons _______________ are part of the atomic nucleus and have a positive charge. - Protons A _________________ bond is an electrical attraction between oppositely charged regions of separate polar molecules. - Hydrogen A _________________ is a li...

401(k) Plans - plans that allow employees to make tax-favored pay deferrals toward retirement savings through a payroll deduction plan Actively Managed Funds - funds that are managed by professional investors who constantly "buy low" and "sell high" Alternative Financial System - payday loans, pawn shops, check cashers, etc. Auto Insurance - protects against losses to property and injuries to people in a car accident. Auto Insurance Split Limits - a provision of an insurance policy tha...

3 credit bureaus - experian equifax trans union A line of credit - the max dollar amount of credit the lender has made available Annual Interest - The amount of interest to be paid each year. APR - Annual percentage rate; the annual rate of interest that is charged for using credit APY - Annual Percentage Yield describes interest paid to a saving account or certificate Assets vs. Liabilities - What you own vs what you owe Bank accounts - checking, savings, and interest-bearing accounts ...

RMIN 4000 Complete Package Deal With Verified Study Solutions Rated A+

4 types of hazards - 1) physical hazard 2) moral hazard 3) attitudinal hazard 4) legal hazard 6 characteristics of an insurable risk - 1) there must be a large number of exposure units 2) the loss must be accidental and unintentional 3) the loss must be determinable and measurable 4) the loss should not be catastrophic 5) the chance of loss must be calculable 6) the premium must be economically feasible active retention - active risk retention means that an individual is consciously aw...

Actual Cash Value - Replacement Cost-Depreciation Actuary - A person who uses complex statistical methods and technology to analyze loss and other data to determine rates and premiums. Brokers - represent policyholders to arrange coverage with syndicates. Legally represents insured. Ceding Company - The primary insurer that initially wrote the insurance. Cession - The amount of insurance ceded to the reinsurer. Claim Adjusting - The process of determining coverage, legal liability and dam...

Actual Cash Value - replacement cost - depreciation in property ins, usually based on the actual cash value of the property at the time of loss Additional Insured - a person or party who is added to the named insured's policy by an endorsement Advantages of Group Insurance - -may be less expensive -tax benefits to employees (costs are usually pre tax) -employer may pay all/part of premium -no evidence of insurability -may get insurance you wouldn't have normally bought Advantages of u...

_______ _____________ is a risk control technique that reduces the severity of a loss. it can occur preloss or post-loss. examples are duplication, diversification, and separation - Loss reduction __________________ _____________ is a risk financing technique in which you transfer liability by contract, hedging, or incorporation. - Non-Insurance transfer. 2 techniques for managing risk - risk control, risk financing 4 Steps in Risk Management Process - 1. Identify potential losses 2. Evalua...

401(k) plan - a. Must have taxable income b. Must be under age 72 c. Annual contributions to a 401K plan are income-tax deductible, investment income accumulates tax free, and distributions are taxed upon withdrawal d. Withdraw without penalty at age 59 ½ e. Certain hardship exceptions prior to age 59 ½ f. 2021 Maximum annual contribution- $19,500 g. 2021 over 50 catch up- $6,500 per year for a total of $26,000 h. Any employer match that you receive does not count toward this limit! a...

401k plan - income-tax deductible, investment income accumulates tax free, distributions taxed upon withdrawal, and any employer match that is received does not count towards contribution limit additional insureds - person or party added to the policy by an endorsement (lenders and mortgagors) advantages of group insurance - may be less expensive, tax benefits to employees (costs are usually pre tax), employer may pay all/part of premium, no evidence of insurability-no physical exam, and m...

Actual Cash Value - Replacement Cost minus Depreciation. Depreciation (%) = Age/Useful Life ACV = RC - Depreciation Highest depreciation is usually 80% In property insurance, indemnification is usually based on the actual cash value of the property at the time of the loss. EXAMPLE: Roof installed in 2012 for $5000 & has a useful life of 20 years. It will cost $6000 to replace based on current costs. After depreciation, the ACV is $3600. Depreciation is 40% (8 years old / 20 year useful l...

Abandonment - - Insurance company may choose to take damaged property and pay insured the value - Insured CANNOT surrender damaged property to insurance company Active Retention - Identify the loss/risk exposure and really consider the risk itself and all the measures around it. (ex. Should we transfer it, retain it etc.) Admitted (standard or retail) Insurance companies - Regulated by the state, They often must subscribe to rating and form regulations of that state. Agent or Broker - "I...

50% rule - you cannot recover if you are 50% or more at fault 51% rule - you cannot recover if you are 51% or more at fault additional coverages under Section I - debris removal of damaged property, reasonable repairs, trees and other plants, fire department service charge, unauthorized credit card use, loss assessment, collapse, ordinance or law, graves markers or landlord's furnishings appraisal - used when insured and insurer agree that loss is covered but disagree as to loss amount a...

Which of these do NOT constitute policy delivery? - -Policy mailed to applicant Policy mailed to agent Policy delivered to the applicant by the agent *Policy issued with a rating* The underwriting process involves all of these EXCEPT for - -Credit report *Policy loan* Risk classification Application K is an agent who takes an application for individual life insurance and accepts a check from the client. He submits the application and check to the insurance company, however the check was...

A change in an insurance application requires - an initial made by the applicant A field underwriter's main task is? - To ensure an applicant's medical information is accurate and complete A person who is a nonsmoker, of average weight, and in excellent health would most likely be in which risk classification? - preferred risk All of these are considered sources of information that can assist an underwriter in determining whether or not to accept a risk EXCEPT Agent's report Medical I...

A life insurance application may be rejected on the basis of all these factors EXCEPT - Gender A Medical Information Report (MIB) report may disclose which of the following: - Prior use of marijuana A statement made by an insured in an insurance application that must be true to the best of one's knowledge and which becomes a part of the contract is known as: - A representative A student pilot can pay regular premium costs for her life insurance policy with the addition of which of the fol...

A characteristic of Preferred Provider Organizations (PPOs) would be: Discounted fees for the patient Not allowed to see out-of-network physicians Physicians are paid on a capitation basis A primary care physician is required - discounted fees for the patient A comprehensive major medical health insurance policy contains an Eligible Expenses provision which identifies the types of health care services that are covered. All of the following health care services are typically covered EXCEPT...