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Q: When an agent replaces policies from his own insurer to create higher first-year commissions the practice is known as?
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Why do disability insurance companies ask if you have other disability insurance?

Disability insurance often replaces up to 2/3 of your income. The idea is to keep money flowing in during times you are unable to work, but not to create an incentive for workers to stay disabled. Insurers want you returning to work as soon as possible, and shorter disabilities keep premiums affordable. Insurance companies ask if you have other coverage in order to make sure that you won't be making more money while hurt than when at work.


Differences between entrepreneurship and small scale business?

We use the terms entrepreneur and small business owner interchangeably. Are they the same or are there any differences? I decided to do some research to get answers to these questions. My findings say an entrepreneur and a small business owner (SBO) are not the same; therefore, we cannot use the titles synonymously. Although you start out as a small business owner, somewhere along the way you either remain a SBO or you become an entrepreneur. If you are contented with earning enough profits to live a comfortable life and keep your business afloat, chances are you are a small business owner. This type of income replaces your income stream, which you earned from traditional employment. You really are not interested in growing or expanding your business. More than likely you will keep the business in your family. Maybe you are not satisfied with the status quo, and you are very ambitious and have the drive to go beyond just surviving. You would fit the definition of an entrepreneur. You will take more risks. Entrepreneurs enjoy learning through growing and expanding their businesses. Some establish businesses for the purpose of resale after realizing a certain amount of wealth. It may take a lifetime for a small business owner to earn wealth compared to approximately five years for a successful entrepreneur. Another difference is how innovative are you. Small business owners are not the type to "think out the box"; whereas, entrepreneurs come up with new ideas, innovations, and products, as well as construct creative, strategic marketing plans. If you are the type who works in their business, you would be considered to be a small business owner. You are more repetitive. On the other hand, if you tend to strategically work on your business, evolving it, change target markets, if necessary, you are an entrepreneur. As a SBO, you tend to not change markets. In addition, your markets may be more general when compared with entrepreneurs who target markets are more focused. In regards to staffing, if you are a small business owner, you may have employees, which would involve having to pay employee-related expenses; such as, benefits and taxes. As an entrepreneur, you may choose to work with independent contractors rather than having employees work for you. There are some of you who tend to have characteristics of both groups. For example, as an entrepreneur, you may choose to keep the business in your family, just like a small business owner, rather than selling it. In addition to having this in common, there are similarities in operating your businesses. Both of you have to do some degree of advertising and marketing, as well as daily administrative functions. Overall, a notable difference is as a small business owner, you tend to need motivation; whereas, if you can be described as an entrepreneur, you are fuelled by ambition, drive and inspiration. Although similarities exist among the two groups, according to my research findings, the two terms are not interchangeable, and there are significant differences.


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What Pokemon can you catch on fire red that you can't catch on leaf green?

Ekans(Replaces Sandshrew) Growlithe( Replaces Vulpix) Shellder( Replaces Staryu) Oddish( Replaces Bellsprout), Murkrow( Replaces Misdreavus)Scyther( Replaces Pinsir) Wooper ( Replaces Remoraid)


What is the Hebrew word for replaces?

replaces = machleef


what is part of speech of it?

It is a pronoun. It replaces a noun. Its is a possessive pronoun. It replaces a noun and its shows ownership.


How many syllables are in replaces?

There are three syllables in replaces. Re-plac-es.


What replaces magma in the Earth?

The subduction and melting of oceanic crust replaces magma in the earth.


What SI unit replaces the fluid ounce?

Liter or L is replaces the fluid ounce.


What is maiden dividend?

A married name is the family name adopted by a person upon marriage, and in speaking of the many cultures where the practice is traditional for women, the maiden name is the family name that the married name replaces.


What replaces the parallel port?

USB port (Universal Serial Bus) replaces the parallel port


Who is the president of the US Senate who replaces him during his absences?

who replaces the president of the US senate in his absences


What part of speech is 'its'?

It is a pronoun. It replaces a noun. Its is a possessive pronoun. It replaces a noun and its shows ownership.


What part of speech is it-is?

It is a pronoun. It replaces a noun. Its is a possessive pronoun. It replaces a noun and its shows ownership.


What replaces thymine?

Uracil replaces Thymine in RNA. Uracil can't be in DNA and Thymine can't be in RNA.