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905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Antimicrobial Agents [Answer] | chemicals that contol the growth of microbes | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Disinfectants [Answer] | chemical agents used on inanimate objects to lower levels of microbes on surfaces | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Antiseptics [Answer] | chemicals used on living tissue to decrease the number of microbes | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Bactericidal Agents [Answer] | cause bacterial death | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Bacteriostatic Agents [Answer] | cause temporary inhibition of growth | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] American Official Analytical Chemist's use-dilution test [Answer] | standard method for measuring the effectiveness of a chemical agent | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Conclusion #1: Was your test chemical effective? [Answer] | Yes, it killed bacteria ( S aureaus)after 5 minutes | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Conclusion #2: Was it more effective than the lab disinfectant? [Answer] | Yes | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Question #2: Read the label of the preparation you tested. What are the active ingredients? [Answer] | Pine oil, water, surfactants | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Antibiosis [Answer] | against life | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Antibiotic [Answer] | inhibiting substance | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Antimicrobial Drugs [Answer] | antimicrobial chemicals absorbed or used internally (natural or synthetic) | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Pathogen [Answer] | disease-causing organism | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Disk-Diffusion Method [Answer] | a Petri plate containing an agar growth medium is inoculated uniformly over its entire surface. Paper disks with antimicrobial agents on them during incubation the agent will diffuse from disk from high concentration to low. | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Zones of inhibition [Answer] | measurement of the effectiveness of the agents ability to inhibit bacterial growth | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Kirby-Bauer Test [Answer] | for agar diffusion methods, uses mudeller-hinton agar which allows antimicrobial agent to diffuse freely | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Minimum Inhibitory Concentration (MIC) [Answer] | of an antibiotic is determined by testing for bacterial growth in dilutions of the antibiotic in nutrient broth | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Conclusion #1: Which antimicrobial agents were most effective against each organism? [Answer] | Tetracycline, Cloramphenicol, Neomycin | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Question #3: Why is the disk-diffusion technique not a perfect indication of how the drug will perform in vivo? [Answer] | Variables such as effects of serum, the bodies pH and ionic content and oxygen level | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] What other factors are considered before using the antimicrobial agent in vivo? [Answer] | how drug is metabolized and excreted and side effects of drug | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Normal Microbiota [Answer] | microorganisms that are more or less permanent | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Transient Microbiota [Answer] | microbes that are present only for days or weeks | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Question #1: What is a surgeon trying to accomplish with a 10-minute scrub with a brush followed by an antiseptic? [Answer] | to remove the transient and many of the resident microbiota | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Question #2: How do normal microbiota and transient microbiota differ? [Answer] | Normal are more or less permanent; transient are present only for days or weeks | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
905f70d6_Flashcards_about_Labs_24_26__Answer | [Question] Critical Thinking #1: If most of the normal microbiota and transient microbiota aren't harmful, then why must hands be scrubbed before surgery? [Answer] | To help prevent nosocomial infections | [] | Flashcards about Labs 24-26 | Answer | http://www.studystack.com/flashcard-882741 | 33/1438042989178.64_20150728002309-00210-ip-10-236-191-2_730497411_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] Is the process by which you detect physical energy from your enviroment and encode it as neural signals. EX-feeling a needle prick your finger. [Sensation and Perception] | sensation | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] The process of organizing and interpreting sensory information, enabling us to recognize meaningful objects and events. EX-knowing that a needle pricking your finger is going to hurt. [Sensation and Perception] | perception | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] Analysis that begins with the sensory receptors and works up to the brain's integration of sensory information. EX-gives us the ability to detect lines, angles, and colors in a painting [Sensation and Perception] | bottom- up processing | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] information processing guided by higher level mental processes, as when we construct perceptions drawing on our experience and expectations. EX-when looking at a painting, we pay attention to the aspects of the painting that will give observations meaning [Sensation and Perception] | top- down processing | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] the minimum stimulation necessary to detect a senses 50 percent of the time. EX-detecting light, sound, pressure, taste, or odor [Sensation and Perception] | absolute threshold | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] predicts when we will detect weak signals EX- measured as our ratio of "hits" to "false alarms" [Sensation and Perception] | signal detection theory | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] below the threshold. EX- being able to taste an ounce of salt in a 2 liter of juice. [Sensation and Perception] | subliminal | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] This is also called the "just noticeable difference." It is the minimum difference a person can detect between any 2 stimuli 50% of the time. EX-Parents can detect their child's cry among other children's cries [Sensation and Perception] | difference threshold | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] The principle that, to be perceived as different, 2 stimuli must differ by a constant minimum percentage (rather than a constant amount) EX-If the price of a $1 chocolate bar goes up by 10 cents, shoppers might notice the change [Sensation and Perception] | Weber's Law | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] diminished sensitivity as a consequence of constant stimulation. EX-If you are listening to your radio on a set volume for an hour, and someone comes along and turns the volume up by only 2 levels, you will probably not notice the difference [Sensation and Perception] | sensory adaptation | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] conversion of one form of energy into another. EX-Transforming sights or wounds into neural impulses our brain can interpret. [Sensation and Perception] | transduction | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] retinal receptors that detect black, white, and gray; necessary for peripheral and twilight vision, when cones don't respond. EX-movie theater/ shadows [Sensation and Perception] | rods | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] retinal receptor cells that are concentrated near the center of the retina and that function in daylight or in well- lit conditions. The cones detect fine detail and give rise to color sensations EX-sunny, spring day [Sensation and Perception] | cones | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] convert light energy to electrochemical neural impulses. EX-Both rods and cones are the photoreceptors [Sensation and Perception] | photoreceptors | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] results from a shift from predominantly cone vision to predominantly rod vision. EX-sudden darkness [Sensation and Perception] | dark adaptation | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] the sense or act of hearing EX- listening [Sensation and Perception] | audition | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] the greater the composition, the larger the height of the sound wave and the louder the sound EX-dicibels [Sensation and Perception] | amplitude | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] the process by which you determine the location of a sound EX- If your friend calls to you from your left side, your left ear hears a louder sound than your right ear [Sensation and Perception] | sound localization | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] the rate of the neural impulses traveling up the auditory nerve matches the frequency of a tone, enabling you to sense its pitch EX-When tuning an instrument...you listen to a device that produces the tone, and then being able to match it with your pitch [Sensation and Perception] | frequency theory | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] is a loss of hearing that results when the eardrum is punctured or any of the ossicles lose their ability to vibrate EX-When hearing aids only help some people. [Sensation and Perception] | conduction deafness | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] results from damage to the cochlea, hair cells, or auditory neurons EX-a convential hearing aid being able to restore hearing by amplifying vibrations [Sensation and Perception] | nerve deafness | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] is a general term for 4 classes of tactile sensations: touch/ pressure, warmth, cold, and pain [Sensation and Perception] | somatosensation | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] is the system that enables you to sense the position and movement of individual parts of your body EX-Nerve endings in your muscles, tendons, and joints [Sensation and Perception] | kinesthesis | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] is your sense of equilibrium or body orientation [Sensation and Perception] | vestibular sense | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] taste [Sensation and Perception] | gustation | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] smell [Sensation and Perception] | olfaction | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] are discrepancies between the appearance of a visual stimulus and its physical reality EX-Reversible figures [Sensation and Perception] | optical/ visual illusions | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] are clues about distance based on the image of one eye [Sensation and Perception] | monocular cues | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] are clues about distance requiring two eyes [Sensation and Perception] | binocular cues | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] is the ability to judge the distance of objects EX-Being able to judge how far a car is away from you when driving [Sensation and Perception] | depth perception | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] are concepts or frameworks that organize and interpret information EX-Can account for people's interpretations of UFOs [Sensation and Perception] | schemas | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] is the controversial clain that perception can occur apart from sensory input [Sensation and Perception] | ESP | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
48a6bd22_rds_about_Sensation_Perception__Sensation_and_Perception | [definition and example] the study of paranormal events EX- telepathy, precognition, telekinesis [Sensation and Perception] | parapsychology | [] | Flashcards about Sensation-Perception | Sensation and Perception | http://www.studystack.com/flashcard-131911 | 33/1438042981753.21_20150728002301-00102-ip-10-236-191-2_722172837_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or False: Investment companies issue annuities [Answer] | False, insurance companies issue annuities | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] What are the two types of annuities? [Answer] | Fixed Annuity and Variable Annuity | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or False: Fixed annuities are less risky than variable annuities [Answer] | True | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] When do fixed annuities pay interest to investors? [Answer] | When the investment is withdrawn | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or False: Variable annuities are securities [Answer] | true | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] To sell an annuity, agents must... [Answer] | Have a life insurance liscence, be registered with a broker dealer, be appointed with the insurance company that is offering the variable annuity. | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or False: Variable annutities garuntee a specific return? [Answer] | False | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Variable annuitites allow an investor to select investments similar to _________________ within the annuity. [Answer] | Mutual Funds | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or False: Investments within a variable annuity are managed by the insurance company. [Answer] | False, they are managed by an outside investment management group. | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Accumulation Period [Answer] | the "pay in" or purchase and growth period | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The Annuity Period [Answer] | Payout period, earnings are taxed as ordinary income when withdrawn during this period | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] 3 types of annuity payouts [Answer] | Single Payment/Immediate Payout Single Payment/Deferred Payout Periodic Payment/Deferred Payout | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Single Payment/Immediate Payout is suitable for... [Answer] | Retirees that are unhappy with their own form of retirement and elect to take a lumpsum from their present retirement program and buy an annuity. | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Single Payment/Deferred Payout is suitable for... [Answer] | People who are still working but have changed occupations. May have a retirement plan and don't need the money until a later date | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Periodic Payment/Deferred Payout is suitable for... [Answer] | Person who wants to make payments on an annuity and doesn't need the payout until later on. | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] What two investment choices to insurance companies have when it comes to variable annuities? [Answer] | Mutual funds, or have professionals manage the money | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The investment account of a variable annuity is either a _______________ or a __________________ [Answer] | Unit investment Trust (going into mutual funds) Open End Management Company (actively managed by professionals). | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or False: Annuity holders have voting rights [Answer] | True when the investment account is actively managed by a manager | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Accumulation units are __________ units with _____________ values [Answer] | increasing; fluctuating | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] What is the annuity period? [Answer] | The time defined in the variable contract for the annuitant to receive payments from the insurance company. | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] An insurance company can make annuity payments in what 3 ways? [Answer] | Lump sum, series of payments over life, series of payments over a specified time. | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The value of annuity units vary depending on _________________ [Answer] | the underlying securities | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The number of annuity units is always ______ while the value of each unit _________ [Answer] | same; changes | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] During the payout period, the assets in the seperate account can be managed in two ways: [Answer] | Remain in the seperate account, or transferr into a fixed annuity | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] If the annuitant wishes to receive payments from the annuity without any concern for beneficiaries, the annuitant can choose a ____________________ [Answer] | Life Annuity | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] If the annuitant wishes to recevie payments for a minimum length of time, he/she can chose a __________ [Answer] | Life Annuity, Period certain | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] If an annuitant wishes to receive payments for themselves as well as beneficiaries, they would choose a [Answer] | Joint and last survivor life annuity | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The garuntees an insurance company provides an annuitant are: [Answer] | Expenses will not exceed a certain amount; mortality garuntee that garuntees payment until annuitant dies | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The total combined sales charges that can be decucted from a variable annuity purchase cannot exceed ____ [Answer] | 8.5% | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] True or false: An annuity contract must be registered in every state that it is offered. [Answer] | True | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The people who sell variable annuities must be registered with: [Answer] | State and FINRA | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] People who sell the annuity separate contracts must be registered with: [Answer] | State and SEC | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] What is the difference between a Qualified and a non-qualified plan? [Answer] | Qualified = before tax money (tax deferred) Non Qualifed = after tax money | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Withdrawals from a non qualified plan are taxed as _________________ [Answer] | ordinary income | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] When withdrawing money from a non qualified plan, ___________ is taken first and then ____________ is taken after that. [Answer] | Appreciation (taxed), principal (tax-free) | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Six exceptions to early withdrawal penalty are: [Answer] | Death, disability, higher education, first time home purchase ($10,000), medical expenses, payments are taken over life expectancy | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] In a qualified plan, taxes are ________ [Answer] | deferred | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] In a qualified plan, an individual must take contributions by age ______ [Answer] | 70 1/2 | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] A _________________ is a plan in which the benefit is predetermined based on the participant's current compensation. [Answer] | Defined benefit plan (pension) | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] The amount a defined benefit plan pays depends on what? [Answer] | years of service, and compensation | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] A ______________ allows employers and employees to establish retirement savings accounts for each individual employee. [Answer] | Defined Contribution Plan | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
c2ea59fc_shcards_about_Retirement_Plans__Answer | [Question] Profit sharing plans allow companies to vary contributions based on _______ [Answer] | Profitability | [] | Flashcards about Retirement Plans | Answer | http://www.studystack.com/flashcard-984824 | 33/1438042989178.64_20150728002309-00296-ip-10-236-191-2_742547317_3.json |
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