Worldwide IT certification Exam Dumps

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SOFE-AFE PDF Sample Questions

SOFE-AFE Sample Questions

SOFE
SOFE-AFE
Worldwide IT certification
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Question: 69
There are many different sources of CMBS. Conduits and aggregate pools generally consist of loans newly originated,
purchased or held by investment bankers until the pool is large enough for an efficient execution. Government
agencies such as the Federal National Mortgage Association (FNMA) and the Federal Home Loan Mortgage Corp.
(FHLMC) are important sources of:
A. Residential financing
B. B2B financing.
C. Commercial financing.
D. Mortgage loans
Answer: A
Question: 70
What represent the ownership interests in the net assets of the subsidiary held by persons outside the controlling
entities� structure?
A. External control
B. Minority interests
C. Permanent stockholder
D. None of the above
Answer: B
Question: 71
A substantial investment is defined as any investment comprising more than 15 percent of an enterprise�s voting shares
or greater than 35 percent of its equity.
A. True
B. False
Answer: B
Question: 72
What are designed primarily to accumulate a fund for eventual liquidation via annuitization, so the savings element is
predominant?
A. Variable annuities
B. Deferred annuities
C. Immediate annuities
D. None of the above
Answer: B
Question: 73
The value of the capital stock shown in the stock life insurance company�s statutory basis balance sheet equals the par
value per share multiplied by the number of issued shares.
In the case of no-par stock:
A. The stated value per share is used (or liquidation value, for no-par preferred capital stock)
B. The Total value of shares is used (or liquidation value, for par preferred capital stock)
C. The market value per share is used (or liquidation value, for no-par preferred capital stock)
D. Capital stock may be sold to the public for an amount greater than par or stated value
Answer: A
Question: 74
Outgoing premiums less return premiums arising from reinsurance purchased from other insurance entities are called:
A. Rating premiums
B. Direct premiums
C. Assumed reinsurance premiums
D. Ceded reinsurance premiums
Answer: D
Question: 75
When policy periods expire, the premiums written are earned and are recognized as:
A. Liabilities
B. Expenses
C. Revenues
D. None of the above
Answer: C
Question: 76
Which projection method uses paid losses plus reserves on outstanding claims?
A. Average losses
B. Loss ratio
C. Incurred loss
D. None of the above
Answer: C
Question: 77
The SEC rules clarify that management�s assessment and report is limited to internal control over financial reporting.
A. True
B. False
Answer: A
Question: 78
The magnitude of the variable annuity benefits provided by a deferred annuity depends on the size of the account value
at the end of the accumulation phase.
A. True
B. False
Answer: B
Question: 79
Audit risk consists of:
A. Risk of material misstatement
B. detection of risk
C. Both A & B
D. Neither A nor B
Answer: C
Question: 80
Structured settlements are agreements characterized by the periodic payment of fixed amounts to a claimant in
connection with the settlement of a legal claim. Such payments may last for the lifetime of the payee or they may be
for a particular period of time, depending upon the terms of the settlement.
The party responsible for making structured settlement payments may make payments:
A. Directly
B. To a claimant
C. Any one of these
D. None of these
Answer: C
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SOFE-AFE IT Actual Questions

one hundred most efficient questions to Ask to Get to know somebody better, in response to specialists

getting to know a person new—we mean definitely getting to understand them—can be a thrill (for extroverts, beneath the appropriate situations). however it can also feel like a downright daunting assignment. here's especially true for introverts, or any person moving into a brand new situation—even if that’s a first date, a new job, a brand new city, and even a new id (like first-time parenthood)

To get the dialog stepping into the correct path, bear in mind it’s no longer just about speaking, but about listening, too. And that capacity asking the appropriate questions, concept-starters primed to get at actual substance in place of small speak.

“no matter if a brand new colleague at work, a company mixer, and even in a social scene, getting to be aware of a person isn’t the least difficult task,” explains Wayne Pernell, P.h.D., who holds a doctorate in medical psychology and is the president and founding father of DynamicLeader, which helps people achieve stronger success and satisfaction in lifestyles and work.

a very good rule of thumb? “You by no means birth with the climate,” he says. “It’s too convenient. It doesn’t offer you tips, and eventually it doesn’t suggest anything. as an alternative, center of attention on something that’s meaningful, however not a typical theme.”

past that, he says, dwell focused and involved. “It’s no longer simply the questions, it’s how you ask and how you dwell engaged as they reply that concerns.”

Asking somebody about issues they appreciate—or despise—is a method to ask whatever thing own with out being intrusive, Pernell says. for instance, even asking a person about their favorite sandwich asks for a reminiscence recollect and opens doors of dialog. “You may also learn about their preferences, you can also find out about quite a few trips they’ve taken, and you can find out about their historical past,” he says.

basic questions can elicit in reality profound responses when the questions get at the heart of a person’s greatest fears, regrets, hopes, or desires. So go for it with these deeper questions, with a couple of caveats, says Alyson Nerenberg, M.D., licensed psychologist really expert in relationships, and writer of No perfect Love: Shattering the illusion of Flawless Relationships. “hold your questions primary and open-ended—and don’t ask anything else you wouldn’t wish to reply your self,” she says. “be sure the questions are not boring. no one wants to be requested the same basic questions they’ve already answered 1,000,000 instances before.” are trying these:

a method to hold a conversation flowing is to ask questions on a subject more likely to inspire opinionated—controversial—solutions. “beginning a pleasant debate that sparks fun and weird dialog,” suggests Kate Maclean, resident dating knowledgeable for numerous Fish. You likely want to keep away from fraught political debates appropriate off the bat; somewhat, even foolish hypotheticals can lead to “quirky and lighthearted conversation that may assist relax any circumstance.”

To that conclusion, are trying:

For some, questions about family can also be emotionally charged or in any other case heavy. but gently unpacking the ties that bind someone’s family, friendships, and different community relationships can be each revealing and energetic. as an instance:

from time to time, an easy question can get at americans’s personal perceptions of themselves—and the way they want to be perceived with the aid of others they meet. Plus, the answers to those simple questions are not likely to come up on their own during the course of superficial dialog. accept as true with these questions that probe a person’s personality, own heritage, and what they agree with to be probably the most simple points of their being:

depending on the environment you’re in, work-connected questions will also be each the most applicable icebreakers and also easy methods to spark energetic dialog. For the most efficient results, go deeper than the typical interview/water cooler fare. “do not with ease go through a checklist of questions of what you're supposed to ask,” says Narenberg. “in fact listen to the grownup’s response. each person desires to consider like they are considered and listened to and that their solutions count.”

in case you’re hoping to go a little deeper and strengthen an intimate relationship, are trying asking questions on their values. this may consist of questions about what’s important to you, family unit lifestyles, spirituality, affairs of state, and greater. supply H. Brenner, M.D., D.F.A.P.A, board certified physician-psychiatrist, now not-for-income board member, and co-author of making Your loopy give you the results you want: From Trauma and Isolation to Self-Acceptance and Love, recommends asking questions on values if it’s a crucial theme for you, however to depart room for the different grownup to in a well mannered way decline. “It doesn’t imply they aren’t interested in stepping into the subject, but they could need greater time to heat as much as that depth,” he says. “if you're someone who feels comfortable being open relatively fast, recognize that simply as a result of other people aren’t there yet doesn’t imply there isn’t room for those conversations down the highway.”

if you’re wondering whether make sure you or shouldn’t ask someone questions about values, consider the context of the connection. “earlier than diving into an area deemed as own values, feel about who you're speakme to, for what intention, and the degree of intimacy it truly is desired,” Mollie Eliasof, L.C.S.W., a certified psychotherapist and relationship skilled advises. “For whatever like a love relationship, this can be pivotal tips, whereas in a piece context in an interview, this may be inappropriate. Be intentional, and give the adult the capability to bow out of answering.” own values are just that–personal. it will probably take the time for somebody to be able to discuss them with you, but if you're able to ask questions on this theme, accept as true with these questions:

When it comes to new pals or co-people, even simple questions can carry people closer. It provides the probability to find mutual pursuits or shared experiences to bond over. “Asking more informal questions can also bring people closer, as a much less emotionally-encumbered manner of discovering shared hobbies, favourite books and media, shuttle preferences, sports and pursuits, and different areas which suggest compatibility via shared pastime,” Dr. Brenner says. “in lots of circumstances, starting with less charged themes is an improved region to start.”

Eliasof says asking questions can enhance your relationship or bond with a person. “there's even an inventory of 36 questions that can aid two americans fall in love!” Eliasof says. “in spite of the fact that romance isn’t the focus, being in a position to raise insight into a person else’s inner world can help you develop figuring out of what's significant to them, while actively expanding your experience of closeness through the practice of curiosity.”

Dr. Brenner says asking questions suggests we have an interest in getting to know concerning the different person via their responses, and they can learn about us as well. “The sorts of questions people ask also inform us about who they are as an individual, what their values are, how they consider, and more commonly their strategy to the realm,” Dr. Brenner says.

even if the questions are about values, work, activities, or desires, the kinds of questions that deliver americans nearer are typically about the subject matters that are most vital to every adult. When the question contains an issue that excites someone or they feel specifically strongly about, then the conversation can get deeper. “The goal is all the time depth,” Eliasof says. “no longer always simplest in content, however also in the way you get curious. if in case you have commonalities, it may look foolish to ask about them, since it appears evident or since it might reflect you no longer listening. besides the fact that children, committing to now not knowing and as a substitute eager to be trained, even what looks glaring, can convey alongside new assistance and connection.”

simply make certain you’re paying attention to the other person’s responses and giving them the probability to ask you questions as well. “There has to be a provide-and-take youngsters; lopsiding sharing can result in soreness with the aid of making one grownup think like they’ve become an awful lot more susceptible than they meant if they recognize they infrequently understand the different person, when the other adult has learned so an awful lot about them.

Eliasof says you don’t always need to convey up these questions in an organic way as a result of people regularly want to study about the different person, and share their personal suggestions and experiences with them. “If a query is exact and delivered in a playful or attractive system, most people will supply answering it a go,” Eliasof says. “The greater key is how you listen. if you are in reality worried about seeming now not biological, say anything like, ‘i do know this appears in fact random, however I’m curious...’ to renowned that it may be immediately!”

in case you’re doubtful a way to carry up any of these questions in any respect, you could ask your associate, pal, or date in the event that they’d want to play a video game. Most americans have played “21 Questions,” which is just a conversation-starter game with an inventory of inquiries to ask. which you can come up with your own listing of questions and suggestions, or comply with one on the cyber web. if you are looking to take it a step additional, We’re now not definitely Strangers is a card online game with tiers of questions to create a deeper bond with fellow members. They even have a couples version or household pack, so that you can specialize your adventure.

“There are two caveats: first, asking too many questions, or asking questions without problems to seem like involved, can also come off as inauthentic, manipulative or even intrusive,” Dr. Brenner says. “It’s important to be empathetic and respectful. 2d, completely asking questions misses the mark; we have to basically take heed to the answers... and comply with-up therefore. Questions aren’t a robotic laundry list to feign activity.”

When doubtful, slow down and at all times ask for permission before asking any own questions. moving too fast and growing quick intimacy will also be an indication of affection bombing, which is when a brand new companion comes on powerful with severe praise and affection. this may eventually lead to other pink flags, reminiscent of gaslighting and emotional manipulation, since you get stuck in a cycle of highs and lows. “It takes time to build actual connection, so it’s important to pay consideration to the different person’s level of comfort, looking for verbal and unspoken cues that they're feeling relaxed, or hunting for a way to with politeness smash off the conversation,” Dr. Brenner says.

Contributing creator

Alesandra is a digital commute and way of life journalist based mostly in los angeles whose work has appeared in first rate Housekeeping, lady’s Day, Prevention, Insider, Glamour, Shondaland, AFAR, fogeys, today and numerous other on-line and print outlets. Alesandra has a masters degree in journalism with an emphasis on cultural reporting and criticism from NYU, and a bachelor’s degree from UC Berkeley. An avid vacationer, she trots the globe together with her husband and their twins.

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