James is concerned that if he purchases a fixed immediate annuity his funds will be tied-up and not accessible if an emergency arises. His insurance agent said that a rider could be attached to his annuity to address this concern. The rider is a(n)

In Texas, if an owner defaults on her mortgage loan and the property is sold at a foreclosure sale, the owner may redeem the property

A) prior to the sale, under the statutory right of redemption. B) prior to the sale, under the equitable right of redemption. C) after the sale, under the statutory right of redemption. D) after the sale, under the statutory right of reinstatement.

Which of the following best supports the need for effective communication in a person's career?

A) The more technical the position, the less likely the employee will need to communicate outside of the organization. B) The higher in the organization an employee is, the more likely the employee will need to communicate effectively both internally and externally to the organization. C) The higher in the organization an employee is, the less likely the employee will need to communicate effectively both internally and externally to the organization. D) Top executives spend very little of the workday communicating with others. E) Top executives spend more time listening than communicating.