Which of the following are valid reasons to deny someone a job?



-The company is not hiring for new positions.
-This job requires someone with a high school diploma.
-The job requires someone be able to speak French.

Answers

Answer 1

Answer:

The first one and last one.

Explanation:

If this could be 2 answers I think it would be both of these. That is because if the company is not hiring, they most likely won't even look at your resume. Also another one is if you don't speak French, than that job is not for you.

Answer 2

Answer:

you left out an answer.

its a,c,d

Explanation:


Related Questions

Frank is lending $1,000 to Sarah for two years. Frank and Sarah agree that Frank should earn a 1 percent real return per year. Instructions: Enter your responses as as whole numbers. a.The CPI (times 100) is 100 at the time that Frank makes the loan. It is expected to be 117 in one year and 136.9 in two years. What nominal rate of interest should Frank charge Sarah? The nominal rate of interest charged should be %. b. Suppose Frank and Sarah are unsure what the CPI will be in two years. How should Frank index Sarah's annual repayments to ensure that he gets an annual 1 percent real rate of return. Frank should charge Sarah % the inflation rate.

Answers

Answer:

a) 18%

b) if Frank and Sarah are unsure about future inflation rate, they can agree on a variable interest rate. For e.g. this year the inflation rate was 17%, so the interest charged is 18%. If next year the interest rate is 15%, then the interest charged should be 16%.

the formula that they can use to calculate inflation rate is:

for calculating the first year's inflation rate = [(CPI₁ - CPI₀) / CPI₀] x 100for calculating the second year's inflation rate = [(CPI₂ - CPI₁) / CPI₁] x 100

Explanation:

principal $1,000

real return = 1%, that means that Frank will earn inflation rate + 1%

since the CPI increases by 17% every year, then Frank must charge 17% + 1% = 18%

Write a short paragraph describing the benefits of arriving on time to work and work-related meetings.

Answers

The benefits or arriving on time to work and work related meetings would be getting a chance to prove your responsibility. You could also prove the your there to work hard. You could get a raise for always being in time. You could eventually get a better job. Or made a manager

Answer:

-You avoid the frustrations of likely delays and interruptions.

-You get extra information the late arrivers miss.

-You can get reoriented if necessary.

-You arrive with more peace of mind.

-You are favorably noticed.

-You get time to test your equipment.

-You build a cushion.

-You build trust that you are reliable and dependable.

or you can just say

The benefits or arriving on time to work and work related meetings would be getting a chance to prove your responsibility. You could also prove the your there to work hard.

how has smart phones products been modified over time particularly modifications that made it more useful to business in general

Answers

Answer:

The rise of smartphones, tablets, and phablets has led to so many shifts from little tweaks (such as the need for bigger, clearer fonts) to huge strategic moves (the current payment wars) that just keeping track of it all can feel overwhelming. Trying to draw the right strategic lessons is even more daunting.

To help, we’ve highlighted seven key ways mobile devices have transformed e-commerce. This list, of course, is no means an exhaustive rundown of every change in the space. Rather, it’s simply an overview of some of the shifts we believe matter most.

Explanation:

bro of if I'm r8 pls make me braniest and follow me.

2. Describe the relationship of profession and education. ​

Answers

In order to have a profession you need to get an education first. You will learn many things that will help you in your profession, no matter what it is. Even an internship is an education. If you start out working along side someone, that someone is giving you an education in how to do the job you want to do.

If you are planning a profession such as a doctor or lawyer, prepare yourself for a LOT of education. You need at least a basic education in order to prepare you for ANY profession. Add, subtract, multiply, divide, read, write and other things so you won’t get cheated out of pay at the least.

Without an education of some kind, you will not be able to do anything. Even if you are a king or queen that you inherited by birth, you still need to know how to decide things. Everything else can be done for you. But there are very few openings for kings and queens these days.

What is the W-4 form used for?
filing taxes with the federal government
determining the amount of money an employee has paid out in taxes
calculating how much tax should be withheld from a person's paycheck
calculating how much income was paid in the previous year

Answers

Answer:

C. calculating how much tax should be withheld from a person's paycheck

Explanation:

In order to ensure that, all employees pay taxes on the income earned throughout the year, the internal revenue service (IRS) has made it compulsory and mandatory for all employers to make available a W-4 Form to all their employees, so as to enable these employees fill out how much income tax is to be withheld from their respective paycheck in relation to their filing status.

Hence, a W-4 form is used for calculating how much tax should be withheld from a person's paycheck and submitted to the internal revenue service (IRS).

Additionally, any employee who defaults in the payment of his or her income tax would be faced with stiff penalties such as failure-to-file, paying a fine etc.

Answer:

its c

Explanation:

just took the unit test on edge

What are some examples of share investments?​

Answers

Answer:

Growth stocks: Shares of fast-growing, higher-risk companies.

Tech stocks: Shares of technology companies.

Small-cap, mid-cap and large-cap stocks: Stocks from small, mid-size and large companies.

Explanation:

Answer:

when you buy and sell stocks...

Explanation:

What career might be your best choice in the following scenario?
Your friends comment that you always listen and believe positive change can happen. They further state that you do not make them feel badly about their decisions and instead, you help find solutions. At the same time, you love to be in schools and you like to teach.

family social worker
community social worker
child care social worker
school social worker

Answers

School social worker
School social worker

Compare and contrast the benefits associated with market and command economies
How might mixed economy acquire similar benefits?

Answers

Answer:

A mixed economic system has features of both a command and a free-market system.because it is partly controlled by the government and partly based on the forces of supply and demand. Most of the main economies in the world are now mixed economies, which operate under a combination of socialism and capitalism, and governments in most mixed economies use fiscal or monetary policies to stimulate growth during economic slowdowns. This may come in the form of corporate bailouts, changes in interest rates, or other stimulus packages.

what might of happened if a newly hired person filled out a W-4 form incorrectly

Answers

Answer:

If an error is made, and you accidentally under withhold an employee’s income tax, a bevy of issues can arise, beginning with tax liability. When you under withhold, money is owed to the federal government. And they will be sure to get it. In some cases this burden falls on the employee - which can result in a very unhappy worker, which is never good for a workplace. In other cases you and your employee can both be responsible for the missing money. The longer the mistake goes unnoticed, and the longer you’re underpaying employee payroll taxes, the bigger the tax penalties. You can be penalized for 100% of the money owed, plus interest as the months and years go by.

Explanation:

When an employer willfully under withholds or evades payroll taxes entirely, the consequences are steep. Knowingly evading taxes is a felony and can result in prison time - up to five years or more, depending on the severity and amount. Occasionally, the IRS may issue an audit on your company. Should this occur, you will need to present the necessary paperwork - i.e. employee W-4s - when asked. Having illegible forms may arise suspicion with auditors - whether these forms are malicious or not. If you enter in information from a W-4 incorrectly and realize before the IRS, there are measures you can take to rectify the issue before it snowballs. Typically when a miscalculation of allowances occurs, you would increase the withholding on that person’s paycheck to balance out their withholdings correctly for the year. Then moving forward, you would correct the W-4 and ensure their allowances are correct. Want to avoid issues like these entirely? Read more about how electronic withholding forms can make the W-4 process simple and automatic.

Answer:

B. That person might have a larger tax bill to pay on income taxes.

Hope this helps!

Also for next time please include the answer choices if they are given with the question in your assignment :)

Concept check 1. 54/32 converted to a mixed number is ________. 22/32 1.6875 1/38 1 22/32 2. The product of one and four thirty-seconds and twenty thirty-seconds is ________. 1 24/32 45/64 56/32 720 3. One and eight thirty-seconds divided by twelve thirty-seconds is ________. 480/1024 20/1024 3 1/3 3 40/32 4. A u.S. Treasury bond is trading at 98 and 6/32. Convert this price to its decimal form. 98.19 96.63 9/86 98.06 5. What is the percentage increase if the s&p 500 index is currently trading at 1,100 and rises 55 points? 4.5% 5% 55% 5.5%

Answers

Questions

Concept check

1. 54/32 converted to a mixed number is ________.a) 22/32 b)1.6875 c) 1/38 d)1 22/32

2. The product of one and four thirty-seconds and twenty thirty-seconds is ________. a)1 24/32 b)45/64 c)56/32 d)720

3. One and eight thirty-seconds divided by twelve thirty-seconds is ________. a)480/1024 20/1024 3 1/3 3 40/32

4. A u.S. Treasury bond is trading at 98 and 6/32. Convert this price to its decimal form. a)98.19 b)96.63 c)9/86 d)98.06

5. What is the percentage increase if the s&p 500 index is currently trading at 1,100 and rises 55 points? a)4.5% b)5% c)55% d)5.5%

Answer:

1.d)1 22/32

2. b)45/64

3. c)3 1/3

4. a)98.19

5. b)5%

Explanation:

1. 54/32 converted to a mixed number is ________.a) 22/32 b)1.6875 c) 1/38 d)1 22/32

Mixed number is another way of writing improper fraction

54/32= 1 (54 - 32)/32

= 1 22/32

Therefore, option d) 1 22/32 is the correct option

2. The product of one and four thirty-seconds and twenty thirty-seconds is ________. a)1 24/32 b)45/64 c)56/32

d)720

One and four thirty-seconds = 1 4/32

Twenty thirty-seconds = 20/32

= 1 4/32 × 20/32

= 36/32 × 20/32

= 9/8 × 5/8

= 45/64

Therefore, option b)45/64 is the correct option

3. One and eight thirty-seconds divided by twelve thirty-seconds is ________. a)480/1024 b)20/1024 c)3 1/3 d)3 40/32

One and eight thirty-seconds = 1 8/32

Twelve thirty-seconds = 12/32

= 1 8/32 ÷ 12/32

= 40/32 ÷ 12/32

= 40/32 × 32/12

= 40/12

= 3 4/12

= 3 1/3

Therefore, option c) 3 1/3 is the correct option

4. A u.S. Treasury bond is trading at 98 and 6/32. Convert this price to its decimal form. a)98.19 b)96.63 c)9/86 d)98.06

98 and 6/32 = 98 + 6/32

We convert 6/32 to decimal

= 98 + 0.1875

= 98.1875

≈ 98.19

Therefore, Option a is the correct option

5. What is the percentage increase if the s&p 500 index is currently trading at 1,100 and rises 55 points? a)4.5% b)5% c)55% d)5.5%

Percentage increase = Increase/ Orginal amount × 100

Increase = 55 points

Original amount = 1,100

Percentage Increase = 55/1100 × 100

= 0.05 × 100

= 5%

Therefore, option b)5% is the correct option

Countries use monetary policy in order to:
O A. increase investment in specific industries.
O B. ensure economic equality for all citizens.
O c. manage the supply of money that is available.
O D. encourage companies to import goods.

Answers

Answer:

O c. manage the supply of money that is available.

Explanation:

Monetary policies are deliberate macroeconomic initiatives undertaken by the Federal Reserve to control the money supply in the economy. The Fed has several monetary policies it can use to achieve the desired results. Some policies increase the money supply( Expansionary monetary policies ). Others reduce the money supply in the economy ( Contractionary monetary policies).

Monetary policies are used together with fiscal policies to achieve the overall macroeconomic objectives.

Answer: C. Manage the supply of money that is available

A.J. And April Couch just opened a computer store in a small community. Before opening the store, they listened to their SBA counselor's warnings about the importance of having balanced experience, that is, marketing, finance, and personnel experience in the computer-store business because

Answers

Answer: about two out of three small firms close within five years of their founding

Explanation:

According to a research that was done, it was found that out of three small firms, two close within the first five years they were established.

The reasons that were said to have caused this failure were funding challenges, faulty business model, inadequate management team and marketing initiatives that were unsuccessful.

Therefore, small business owners sgoutd try as much as possible to curtail risks that could possibly lead to the downfall of the business and also make sure the consumers are willing to purchase the product at the price given and that the product satisfies their needs.

Anne’s marginal income tax rate is 32 percent. She purchases a corporate bond for $19,500 and the maturity, or face value, of the bond is $19,500. If the bond pays 8.8 percent per year before taxes, what is Anne’s annual after-tax rate of return from the bond if the bond matures in one year? What is her annual after-tax rate of return if the bond matures in 10 years? (Round your answers to 1 decimal place.)

Answers

Answer:

6.0%

Explanation:

Given that :

Marginal income tax rate = 32%

Interest rate before taxes = 8.8%

Annual after-tax rate of return if bond matures in 10 years will be the same as the annual after tax rate of return since the annual rate is constant.

Hence,

Annual after tax rate of return = Interest rate × (1 - tax rate)

Annual after tax rate = 8.8% × (1 - 32%)

Annual after tax rate = 0.088 × (1 - 0.32)

Annual after tax rate = 0.088 × 0.68

Annual after tax rate = 0.05984

= 0.05984 × 100%

= 5.984% = 6.0%

Which career worker installs, maintains and repairs equipment used for communication?

Answers

Answer:

Telecommunications engineer.

Explanation:

Telecommunications can be defined as the scientific and technological process which involves the exchange of data (informations) from one user (sender) to another (receiver) at a distance, through a wired or wireless network connection. The transmission or exchange of these data (informations) are made possible through the use of electronic devices or equipments such as switches, routers, computers etc, which typically transmits electromagnetic waves, electric impulses, and packets.

Hence, these equipments or electronic devices require installation, configuration, repair and or maintenance, which are typically being done by a telecommunications engineer.

Therefore, the career worker who installs, maintains and repairs equipment used for communication is a Telecommunications engineer.

so my dad is a nacissisct how do i deal with him! 50 points

Answers

Answer:

ok

Explanation:

Which economic action would be most influenced by a change to the
discount rate?
O A. An individual is deciding whether to spend money or invest it.
O B. A business is deciding whether to hire additional employees.
C. A bank is deciding whether to borrow money from the
government
O D. An investor is deciding whether to purchase treasury securities.

Answers

Answer:

C. A bank is deciding whether to borrow money from the

government

Explanation:

The discount rate is the interest rate at which the Federal Reserve charges commercial banks and other financial institutions for loans it advances to them. Through the Federal Reserve, the government issues credit facilities to banks to cater to immediate cash flow requirements. For example, if a bank can not meet the reserve requirement for the day, it can borrow from banks with excess requirements. If it can't find another bank to borrow from, it approaches the Fed.

The interest rate that the Fed charge is the discount rate. It is usually higher than the inter-bank rates. If the discount rate is reduced, commercial banks may consider borrowing from the government through the Fed.

Answer:

c

Explanation:

Following a systematic approach is useful during which step of the seven-step decision-making model?


gathering information and data

identifying the decision to be made

identifying options

developing a plan of action

Answers

Answer:

developing a plan of action

Explanation:

Smokers impose negative externalities on nonsmokers. Suppose the airspace in a restaurant is a resource owned by the
restaurant owner.
a. How would the owner respond to the negative externality caused by smokers?
b. Suppose smokers own the airspace. How would that change matters?
c. If the government gives ownership of the air to nonsmokers, would that change matters? Explain your answer.
d. What does a ban on smoking in the restaurant do?

Answers

a. They wouldn’t allow smoking in the building because it would inflict on other customers in the building.
b. If the owners were smokers, they would allow others to smoke or smoke themselves since it is their property.
c. Yes it would because everyone has to listen to the government. They can file fines or other consequences to those who smoke under their ownership which will cause a decrease in smoking.
d. This allows pedestrians to not be harmed by the smoke caused by other smokers. This allows them to enjoy their time in the restaurant freely without worrying what’s getting into their lungs.

Which of the following might vary in on online purchase depending on where the purchaser lives?
A. The quality of the object
B. The sales tax charged
C. The appearance of the item
D. The retail price of the item

Answers

Answer:

The sales tax

Explanation:

HURRY!!
Complete the following sentence.

Approximately 50 percent of _______ scientists work for the federal government.​

Answers

The answer is Forensic Scientists

As a private limited firm dealing with garment manufacturing, you have little cash in hand but considerable business potential. You suddenly get an order to deliver 1,000 shirts at a price of $50 each. You have the entire infrastructure in place, but need $15,000 to procure the fabric and accessories for shirts. How will you raise money to serve this order? How will the answer differ if the business is a sole proprietorship?

Answers

Answer:

A private limited firm refers to a corporation. A corporation’s internal sources of financing are mostly limited to its retained profits, and money realized from the sale of its assets. In case of the given example, because the company does not have enough cash on hand, it will have to rely on several external sources of financing. The most important source of procuring financing for the company is a bank loan. Thus, the company can raise money from institutions such as banks or other creditors in the form of loans. The company will need to repay loans in the future, and therefore the company will record this as a liability in its accounts. However, these ways of procuring money would help the company arrange $15,000 in order to purchase the fabric and other accessories.

The sources of financing will remain the same even in the case of a sole proprietorship; that is, retained earnings or loans from external sources such as banks. However, in the case of a public limited company, the answer would change. In the case of a public limited business, it has another option of raising financing through the issue of common or equity shares.

Which formatting group would commonly be used for monetary figures?

number
general
accounting
currency

Answers

Answer:

Currency

Explanation:

Edg. 2020!!!

Currency formatting group would commonly be used for monetary figures. Thus, the correct option is D.

What is Currency formatting?

The following locale-sensitive components must be considered when formatting currency:

Currency symbol — This can be a pre-defined symbol, like the European Euro sign ($), or it can be a group of letters, like the use of the British Pound sign ($) or the letters "GBP."

Placement of the currency symbol — It may come either before or after the numerals.

Currency used for presentations to customers when they enter a merchant's establishment. It may differ from shop currency for stores that accept multiple currencies.

Payment currency: The kind of money that is used to reimburse retailers for their purchases. It may differ from shop currency for stores that accept multiple currencies.

Currency used to bill merchants for monthly subscriptions, software purchases, and theme purchases. Billing currency is exclusively in USD, but for tax purposes, it may also include local currencies.

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differentiate between homogeneous mixtures and heterogeneous mixtures ​

Answers

Answer:

A homogeneous mixture is a solid, liquid or gaseous mixture that has the same proportions of its components throughout any given sample. Conversely, a heterogeneous mixture has components in which proportions vary throughout the sample.

Which of these is not a role of the Government?
A
Protector
B
Producer
C
Consumer
D
Provider

Answers

Answer:

A consumer because the citizens would be considered consumers not the government i think

Answer:

A consumer

Hope this helps!

explain how to maintain the cleanliness and sanition in your work area​

Answers

Answer:

To regularly sanitize with sanitizing wipes and to make sure your hands are clean to whether by washing with soap and water or to sanitize.

Disinfect regular and always make sure you are cleaning your hands

Select the examples of workers commonly found in Human Resources work environments. Check all that apply.
Jamal is self-employed and works from home creating graphics for newspaper and magazine advertisements.
Trent sits at the front desk of a hotel and welcomes guests, checks them in, and provides information about local
activities
Mazie works part-time for a small company, handling its employee documentation and benefits
Yoshiko has an office with a door so she can interview job candidates and discuss employee information
privately

Answers

Answer:

mazie and yoshiko are the answers.

Explanation:

edgunuity

Answer:

Mazie

Yoshiko

Explanation:

( ̄︶ ̄)↗ 

Eric and Sharaveen Rush filed a claim alleging violations of the Fair Credit Reporting Act arising out of an allegedly erroneous credit report prepared by a credit bureau from information, in part, from Macy’s, the department store. The error causes the Rushes to be denied credit. Macy’s filed a motion to dismiss. Is Macy’s liable? Discuss.

(Answer in your own words!)

Answers

Answer:

Macy is liable. The Federal Trade Commission states that both the credit rating agency and Macy's are responsible for correcting the erroneous credit report. It is very hard to sue and win a credit rating agency because they will place the blame on the company that made the initial mistake (Macy's), but lately courts have accepted cases against the companies that cause all this mess.

Courts have lately ruled in favor people alleging that a bad credit report damaged them since a good credit rating is considered an intangible asset. The company that cause the mistakes are liable for any possible damages resulting from a poor credit rating.

Yes, Macy is liable under the Fair Credit Reporting Act, which says the credit bureau and reporting agencies must record accuracy.

Fair Credit Reporting Act

The FCRA protects the information collected by consumer reporting agencies. Under this act, Companies and agencies also have specific legal obligations to investigate disputed information, And recently in the Act some more provisions were added which is related to record accuracy and identity theft.

Thus, under the FCRA, the credit bureau and Macy's department store are liable.

Learn More about Fair Credit Reporting Act here:

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Which of these is a way to increase your resources for higher education?
A. Getting a job and saving money
B. Choosing the most expensive school you can find
C. Spending more than you have
D. Not taking out any loans whatsoever

Answers

Answer:

A

Explanation:

by getting a job you are preparing yourself for the world ahead of you and by saving money you get access money to use later on.

Answer:

A

Explanation:

Which of the following has the most significant impact on consumer purchasing power and spending patterns?
Select one:
a. Demographic environment
b. Political and legal environment
c. Technological environment
d. Economic environment

Answers

D because the amount of money you have is what is going to make a person want to buy something more

The most significant impact on consumer purchasing power and spending patterns has the economic environment. Thus, the correct option is (D).

The purchasing power of a currency is the amount of products or services that one unit of money can purchase.

The environment contains components that affect consumer spending preferences and purchasing power.

Natural resources that are needed by marketers as inputs or that are influenced by marketing activities are referred to as the natural environment.

More than just how much you can buy with your money determines your purchasing power. Additionally, it affects stock prices and the state of the economy as a whole.

Therefore, the correct option is "D".

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a motivational speach before final exams​

Answers

Explanation:

Honestly, you got this! Don't stress yourself too much! You are capable of AMAZING things! I am positive you will do great on this exam! Never stop working hard, but don't forget to reward yourself! You can do anything you set your mind to!

I don't know if this helped but GOOD LUCK!!

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The question is "Why would it be beneficial to pay a little more than the required mortgage payment?"The answer is: Paying extra on your mortgage means that you make additional payments to your principal loan balance beyond your regular payments. For example, if you pay $1,300 per month normally, you may pay an extra $200 to the principal for a total payment of $1,500. Or if you get a bit of money, say a $5,000 tax refund, you could apply it to your principal loan balance. The faster you pay off your mortgage, the less you will pay in interest, reducing your overall loan cost. However, this option should be considered in the context of your larger financial situation.How much will you save by making extra payments?The amount you can save by making extra mortgage payments is one of the first things you need to figure out as that number will enable you to compare it to other options. Lets take a look at how much you could save on interest over the life of a 30-year, $200,000 loan with a 3.5% interest rate if you paid $50, $100 and $250 extra each month. Just paying an extra $50 per month will shave 2 years and 7 months off the loan and will save you over $12,000 in the long run. If you can up your payments by $250, the savings increase to over $40,000 while the loan term gets cut down by almost a third.The savings can be substantial. Use a mortgage calculator to figure out your estimated savings. Then, compare that to the savings or returns you can get by investing the same money elsewhere.Ways to prepay your mortgagePay more every monthThe first option is to analyze your budget and see if you can afford to increase the amount you pay on your mortgage each month. Even if you can only commit to $25 or $50, it can save you thousands over the course of the loan.Make an extra payment each year Another option is to make one extra payment each year that is equal to your normal payment amount. This can be a good option if you get a bonus or tax refund each year.Make a lump-sum paymentSometimes situations come about which leave people with a lump sum of money, like receiving an inheritance. While exciting, it can also be stressful because you want to use the money wisely. Using lump sums to pay down your mortgage helps to reduce your interest and increase equity faster, which is a helpful investment. It can also ensure that the money is invested rather than spent.Mix it up You can also use a combination of these approaches, such as paying a little bit more each month and then making a larger one-time payment when you can.The right payment strategy for you will depend on your financial situation. For example, if your budget is tight and you cant commit to paying more every month but have certain months when your income is higher, you can commit to making an extra payment during those months. Alternatively, if you dont receive any income boosts throughout the year but have a little bit of disposable income each month, the monthly payment option will be a better fit.When not to pay extraPaying extra on your mortgage can be helpful but it isnt always the best use of your money.Whether you should pay extra on your mortgage or not depends on the rest of your financial picture. If you have credit card debt, an expensive car loan, or other high-interest debt, youll want to pay that down before making extra payments on your mortgage, Matthew McEwan, VP of real estate development and property management firm Medallion Capital Group, said.Additionally, if you are a savvy investor who can tolerate some risk, you may be able to achieve a higher rate of return by investing that money instead, McEwan said.What to do before paying off your loan earlyBefore you pay off your mortgage early, there are a few things you should do. For one thing, youll want to meet all of your regular necessary expenses (rent, food, clothing, etc.). Next, ensure you pay off any debts you have with interest rates that are higher than the interest rate on your mortgage. For example, if you have a $5,000 balance on a credit card with an 18% APR and your mortgage has a 4% APR, youll save more by paying down the credit card first.Its also recommended to make sure that you have an emergency savings account that is equal to at least three months of pay, and preferably six. Moreover, confirm that you and your dependents are enrolled in the insurance policies you need to protect yourselves in the future. This often includes health, property, auto, disability and life policies.If you have an employer offer to match your retirement savings up to a certain percentage, max out the company contributions. The earlier you invest in retirement, the better. factorise a) 4p-81b) x-13x+36 Help been stuck on this for an hour Plz help Ill give branliest!! What changes take place in human brains? What behaviors do these changes cause? 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