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Study Resources (Business Management)

  141.Transaction data gathered at the point of sale is known as: A. physical-world observations.B. business process information.C. public data.D. personal preference data. 142.Data from RFID devices, miniature cameras, and wireless access used to understand where people or items are located is called: A. physical-world observations.B. biological data.C. public data.D. business process information. 143.Information mainly used for security purposes such as fingerprinting and.
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  111.Websites often send "cookies" to a user's computer that are saved on the computer's hard drive. 112.There are sites on the Internet that provide web surfers with easy access to personal information about other people. 113.When spyware is inadvertently downloaded to a user's computer the software tracks the user's online behavior. Spyware.
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  141.Workers' compensation insurance: A. covers people who are found liable for professional negligence.B. provides coverage against liability arising out of products sold.C. is only required by 48 states.D. guarantees payment of wages and medical costs for employees who are injured on the job. 142.Risk management now includes the evaluation of: A. worldwide risks such as global warming.B. worldwide issues.
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  81.Hap has health coverage through a Health Maintenance Organization (HMO). He is likely to be very pleased with the amount of flexibility he has to choose his doctor and his health care options. 82.Harmon works on a highway construction crew and frequently handles explosives. His friend Willie works as a bookkeeper.
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  101.__________ is the armor individuals, businesses, and nonprofit organizations use to protect themselves from various financial risks. A. A good accountantB. Investment in AAA bondsC. InsuranceD. Indemnity 102.Organizations spend about __________ percent of gross domestic product on insurance premiums. A. 2B. 5C. 10D. 20 103.One guideline to determine that a risk is generally insurable is: A. the loss is measurable.B. the loss is due to.
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  220.Identify and describe the major security issues confronting information managers. Multiple Choice Questions  Mini-CaseCyBurspace first began working for Qwikbilt Enterprises in the mid 1970s as a business technology specialist. Today, he is the department head for the company's information systems department. Cy is well known and respected by everyone in the company,.
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  71.Professional liability insurance is also sometimes known as malpractice insurance. 72.Product liability insurance covers liability arising out of defective products sold. 73.Firms can take out term life-insurance policies on their top executives. 74.Most homeowners' insurance policies automatically provide adequate coverage for small home-based businesses. 75.An endorsement can provide additional coverage to a homeowner's policy.
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  131.From the 1970s to the present time, the primary role of business technology has: A. always been to provide businesses with necessary financial information.B. always been to provide better customer service.C. changed from providing better customer service to improving employee productivity.D. changed from supporting business to providing new ways of doing business. 132.NASDAQ is an example.
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  11.Credit-card debt represents an asset on a consumer's balance sheet. 12.A major source of revenue on your personal income statement is your salary or wages from your job. 13.One step toward the goal of taking control of your finances is to keep track of all your expenses. 14.If you find yourself regularly running.
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  171.The key difference between an intranet and an extranet is that an intranet: A. uses technology based on current Internet standards, while an extranet uses technology based on Internet2.B. uses public lines to transmit information, but an extranet uses private lines.C. is closed to public access, while an extranet allows selected outsiders access to.
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  121.Heidi Luking has discovered that several of the Internet sites she has visited recently downloaded small files to her computer's hard drive even though she did not request them. The files Heidi discovered are known as crackers. 122.Larry Kotter has just learned that his company has been reading the e-mail messages.
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  131.An individual retirement account (IRA) is a tax-deferred investment plan designed to encourage workers to save for retirement. 132.Monica expects to be in a much higher tax bracket when she retires than she is now, so she wants to invest in a retirement account in which her withdrawals will be tax-free..
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  61.To save money, HMOs usually must approve treatment before it is given. 62.Preferred Provider Organizations (PPOs) offer medical care that is usually more expensive than HMOs. 63.Preferred Provider Organizations (PPOs) offer members the opportunity to choose their own physicians. 64.One advantage of health savings accounts is that healthy people can use tax-deferred money.
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  101.One problem with the Social Security system is that the number of people retiring and living longer is declining dramatically. 102.It is likely that young adults today will benefit from the recent trend in the Social Security system to increase benefits and expand the cost-of-living adjustments. 103.The number of workers paying into.
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  121.A ________ insurance company is owned by stockholders, just like any other investor-owned company. A ________ insurance company is owned by its policyholders. A. stock; mutualB. corporate; stockC. stock; corporateD. mutual; limited liability 122.There have been a series of large judgments in product liability cases against companies producing hairdryers. If this trend continues, insurance companies will.
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True / False Questions  1.The management of risk is a small part of global business. 2.An enterprise risk management (ERM) program has a goal of defining which risks the program will manage. 3.Companies adopt risk management procedures to minimize the chance of business failure due to unplanned events such as security breaches, terrorist.
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  161.Ima Safer, who recently graduated from college and got a full time job, has prepared her first personal budget and found a pleasant surprise. After taking into account her expected monthly income and all of her ordinary expenses, including the monthly payment on her credit card, she should have some.
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  151.A firm would use data mining if it wanted to: A. store copies of crucial data in several different locations to protect against its loss during disasters such as earthquakes, floods, or terrorist attacks.B. protect its data from unauthorized outsiders.C. increase the rate at which information flows through a firm's intranet.D. discover hidden relationships among.
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  151.Budgets are: A. useful for businesses, but too restrictive to be used by individuals or households.B. a financial plan of projected revenues and expenses.C. just another name for cash flow statements.D. only helpful to people who earn more than $50,000 per year. 152.Preparing and living with a personal budget is: A. not necessary if your have sufficient income.B. similar.
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  91.Guaranteed replacement cost insurance coverage provides the insured with the depreciated cost of assets. 92.Most homeowner's insurance policies do not cover certain types of expensive items unless you purchase a rider for the additional coverage. 93.An umbrella policy is an inexpensive policy that provides financial protection only in the event of clearly.
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  31.Financial planners encourage individuals to borrow only to cover immediate expenses. 32.For individuals, budgets are usually more trouble than they are worth. 33.A good way to save money is to spend all of your regular income, but have a strict rule to put any money from unexpected or unusual sources (such as.
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  61.Accumulating money through savings allows you to participate in the growth of a capitalist society. 62.If you are in the 25 percent tax bracket and your home mortgage interest is $1000 per month, then your after-tax mortgage interest cost is $750 per month. 63.Buying a duplex and living in one side, while.
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  161.Many businesses choose to open their intranets to other selected organizations through the use of: A. crossnets.B. alternets.C. outernets.D. extranets. 162.One of the most common reasons firms make use of an extranet is to: A. prevent employees from using the Internet for private purposes on company time.B. post information that can be accessed only by employees of the organization.C. extend.
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  121.Keogh plans are intended to help small business owners save for retirement. 122.Keogh plans are most useful for stockholders of major corporations who earn most of their income from dividends rather than wages or salaries. 123.Employees of small businesses can contribute to a Keogh plan. 124.IRAs, 401(k), and Keogh plans all include incentives.
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  201.A defining characteristic of shareware is that it is: A. designed to help people in different organizations share ideas and collaborate on projects.B. not protected by copyrights and is distributed free for the taking.C. an older, less powerful version of a well-known software package that the developer is distributing at reduced cost.D. protected by a.
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  191.Network computing systems are also known as: A. mainframe systems.B. database systems.C. inner-nets.D. client/server systems. 192.Many __________, which ran software at data centers and rented software services to customers, went out of business after the Web boom cooled off. A. enterprise portalsB. virtual office networksC. application service providersD. ISPs 193.Which of the following would be classified as hardware? A. PDAsB. sharewareC. PIMsD. database program 194.The reluctance of CIOs.
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  211.Which of the following is an advantage of telecommuting? A. Workers are not included in the office loop.B. People who work at home have less trouble letting go of work and relaxing when the workday is over.C. Telecommuting increases travel time and costs.D. Firms may be able to retain workers who would otherwise leave or.
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  91.________ is a term that refers to the chance of loss, the degree of probability of loss, and the amount of possible loss. A. SpeculationB. HazardC. InsurabilityD. Risk 92.________ risk involves a chance of either profit or loss. A. InsurableB. ManagedC. SpeculativeD. Pure 93.________ risk involves the threat of loss with no chance for profit. A. MinimumB. PureC. SpeculativeD. Managed 94.Which of the following is the risk that.
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  181.Which of the following is a benefit unique to buying a duplex, as opposed to the purchase of a single-family home? A. Real estate taxes are tax deductible.B. The rent income will help make the mortgage payment.C. Mortgage interest payments are tax deductible.D. The value of the home may increase over time. 182.The factor likely to.
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  111.Abraham is excited about opening his car wash facility. The required investment of money and time is sizable and although he has high hopes, Abraham is taking a speculative risk. This means that: A. his investment involves a chance of profit or loss.B. his risk can be shifted to an insurance company if.
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True / False Questions  1.The value of education is often exaggerated when searching for a good job. 2.The average lifetime income of someone with an undergraduate degree is about $1.6 million higher than for someone with only a high school diploma. 3.The U.S. government provides several types of financial incentives to encourage people.
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  21.Financial planners regularly suggest that you borrow money to pay for large purchases. 22.The best way to save money is to pay yourself first. 23.Most financial experts will tell you to save about 1 month of earnings for contingency purposes. 24.Borrowing money for ordinary expenses is a necessary part of life. 25.LaTasha is attending.
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  41.After marriage, one great financial strategy is to live on one income and to save the other. 42.If possible, it is almost always better to buy a single home rather than a duplex. 43.One drawback to buying a home compared to renting is that your monthly mortgage payments will increase, while rental.
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  171.The goal of accumulating capital is to allow an individual to: A. buy the things that satisfy present wants and needs.B. have funds available to invest.C. buy now, pay later.D. establish a good credit rating. 172.Real estate people agree that the key to getting the optimum return on the purchase of a home is: A. construction quality.B. location.C. tax advantages.D. design.
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  81.An annuity is a contract to make regular payments to a person for life or for a fixed period. 82.Fixed annuities have become much more popular than variable annuities. 83.Variable annuities offer investment choices identical to mutual funds. 84.People who have health insurance seldom need disability insurance. 85.If you are relatively healthy, there is.
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  181.A firm would be most likely to establish an enterprise portal if it wanted to: A. prevent outsiders from using its information network.B. allow users to access different areas of its network depending on their relationship to the firm.C. prevent viruses from being downloaded from the company's website.D. search for hidden patterns and unknown relationships.
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  51.A mutual insurance company is owned by its policyholders. 52.An insurance company can use the law of large numbers to predict the number of people in your community that will have a car accident in a given month. 53.The car insurance premium charged for young male drivers is higher than the premium.
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  51.Though stock prices do sometimes go down, investing in the stock market has generally provided very attractive returns over the long run. 52.A contrarian would advise you to buy stock when stock prices are falling and most other people are selling. 53.Funds invested in savings accounts and certificates of deposit (CDs) have.
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  141.Throughout history an investment in ________ has yielded an excellent return, regardless of the state of the economy or political changes. A. antiquesB. a good educationC. government bondsD. savings accounts 142.On average, a person with a college education earns _________ over the course of his or her career. A. about $300,000 more than a high school graduateB. barely enough.
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  151.Explain the benefits of workers' compensation. Who is required to carry this type of insurance?   Multiple Choice Questions  Mini-CaseThe Bookworm is a bookstore and café located on a busy downtown main street inDenver. The owner, Waata Reader prides himself on the vast selection of books available in the shop. The store has.
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  111.Funds deposited into an IRA cannot be withdrawn until you retire. 112.In order to qualify as a tax shelter, IRA saving plans must be invested in mutual funds. 113.Withdrawals from an IRA prior to age 59½ generally are subject to taxes and a penalty. 114.Earnings from traditional IRA investments are taxable at the.
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  131.________ insurance provides coverage against liability arising out of the sale of goods to customers. A. Product liabilityB. Workers' compensationC. DisabilityD. Malpractice 132.Home-based business owners add a ________ to their homeowner's insurance policy to ensure that they have adequate coverage. A. deductible unitB. compensation clauseC. riderD. tag 133.________ insurance replaces part of your income if you become unable to work for an.
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  41.An example of an uninsurable risk would be the potential losses suffered by Domino's Pizza resulting from a popular new product from Pizza Hut. 42.The Ford Motor Company has an insurable interest in the lives of its top executives. 43.John has decided that his neighbor Sam is quite careless and is in.
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  21.Self-insurance is the practice of setting aside money to cover routine claims and buying only "catastrophe" policies to cover big losses. 22.Self-insurance makes more sense for firms that operate one large facility than it does for firms with facilities scattered all over the country. 23."Going bare" is a much less risky strategy.
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