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NEW QUESTION: 1
You work as the Financial Controller at an engineering company. The company is considering taking out a loan to purchase some new machinery.
You are in the process of evaluating the payment options for different loan amounts over different repayment periods. You are using Microsoft Office Excel 2010 to calculate the repayments.
Assuming a constant interest rate and constant monthly payments, which Excel function would you use to calculate the loan repayments?
A. RATE()
B. PMT()
C. PV()
D. LOAN()
Answer: B

NEW QUESTION: 2
If your property Insurance has Replacement Cost Valuation (RCV) clause your damaged property will be compensated:
A. Based on the value of item on the date of loss
B. Based on the value listed on the Ebay auction web site
C. Based on value of item one month before the loss
D. Based on new, comparable, or identical item for old regardless of condition of lost item
Answer: D
Explanation:
Explanation/Reference:
RCV is the maximum amount your insurance company will pay you for damage to covered property before deducting for depreciation. The RCV payment is based on the current cost to replace your property with new, identical or comparable property.
The other choices were detractor:
Application and definition of the insurance terms Replacement Cost Value (RCV), Actual Cash Value (ACV) and depreciation can be confusing. It's important that you understand the terms to help settle your claim fairly.
An easy way to understand RCV and ACV is to think in terms of "new" and "used." Replacement cost is the item's current price, new. "What will it cost when I replace it?" Actual cash is the item's used price, old. "How much money is it worth since I used it for five years?" Hold Back
Most policies only pay the Actual Cash Value upfront, and then they pay you the "held back" depreciation after you incur the expense to repair or replace your personal property items.
NOTE: You must remember to send documentation to the insurance company proving you've incurred the additional expense you will be reimbursed.
Actual Cash Value (ACV)
ACV is the amount your insurance company will pay you for damage to covered property after deducting for depreciation. ACV is the replacement cost of a new item, minus depreciation. If stated as a simple equation, ACV could be defined as follows: ACV=RCV-Depreciation
Unfortunately, ACV is not always as easy to agree upon as a simple math equation. The ACV can also be calculated as the price a willing buyer would pay for your used item.
Depreciation
Depreciation (sometimes called "hold back") is defined as the "loss in value from all causes, including age, and wear and tear." Although the definition seems to be clear, in our experience, value" as a real-world application is clearly subjective and varies widely. We have seen the same adjuster apply NO depreciation (100 percent value) on one claim and 40 percent depreciation almost half value) on an almost identical claim.
This shows that the process of applying depreciation is subjective and clearly negotiable.
Excessive Depreciation
When the insurance company depreciates more than they should, it is called "Excessive depreciation." Although not ethical, it is very common. Note any items that have excessive depreciation and write a letter to your insurance company.
References:
http://carehelp.org/downloads/category/1-insurance-handouts.html?download=17%3Ahandout08-rcv-and- acv
and
http://www.schirickinsurance.com/resources/value2005.pdf
and
TIPTON, Harold F. & KRAUSE, MICKI, information Security Management Handbook, 4th Edition, Volume
1
Property Insurance overview, Page 587.

NEW QUESTION: 3
Which three statements are true about Automatic Workload Repository (AWR)?
A. All AWR tables belong to the SYSTEM schema.
B. AWR computes time model statistics based on time usage for activities, which are displayed in the v$SYStime model and V$SESS_TIME_MODELviews.
C. The AWR data is stored in memory and in the database.
D. AWR contains system wide tracing and logging information.
E. The snapshots collected by AWR are used by the self-tuning components in the database
Answer: B,C,E
Explanation:
Explanation/Reference:
Explanation:
5.2 Overview of the Automatic Workload Repository
The Automatic Workload Repository (AWR) collects, processes, and maintains performance statistics for problem detection and self-tuning purposes. This data is both in memory and stored in the database. The gathered data can be displayed in both reports and views.
The statistics collected and processed by AWR include:
Object statistics that determine both access and usage statistics of database segments

Time model statistics based on time usage for activities, displayed in the V$SYS_TIME_MODEL and

V$SESS_TIME_MODEL views
References: http://docs.oracle.com/cd/B28359_01/server.111/b28274/autostat.htm#PFGRF02601

NEW QUESTION: 4
---
You are creating a class named Loan.
The Loan class must meet the following requirements:
Include a member that represents the rate for a Loan instance.
Allow external code to assign a value to the rate member.
Restrict the range of values that can be assigned to the rate member.
You need to implement the rate member to meet the requirements.
In which form should you implement the rate member?
A. public property
B. public static property
C. protected field
D. public static field
Answer: A