Robin Masters wants to establish an account that will supplement his retirement income beginning 30 years from now. Find the lump sum he must deposit today at 5%, compounded daily, so that $500,000 will be available when he retires. Round your answer to the nearest penny. Show your work using the fx tool.

Answers

Answer 1

Answer:

lump sum = $111,576.54

Explanation:

we can use the future value formula:

future value = principal x (1 + i)ⁿ

future value = $500,000i = 5% / 365 = 0.000136986n = 30 x 365 = 10,950

principal = future value / (1 + i)ⁿ

principal = $500,000 / (1 + 0.000136986)¹⁰⁹⁵⁰ = $500,000 / 4.481228688 = $111,576.54


Related Questions

Suppose the economy is in a recession. The economy needs to expand by at least $300 billion, and the marginal propensity to consume is 0.6. What is the least amount the government can spend to overcome the $300 billion gap

Answers

Answer: $120 billion

Explanation:

Fron the question, we are told that an economy is in a recession and needs to expand by at least $300 billion, and the marginal propensity to consume is 0.6.

The least amount the government can spend to overcome the $300 billion gap goes thus:

Since MPC = 0.6, then the multiplier will be:

= 1/(1-MPC)

= 1/(1-0.6)

= 1/0.4

=2.5

We are also informed that the required change in the money supply is $300 billion. Then, the investment needed will be:

= Expansion/Multiplier

= $300 billion/2.5

= $120 billion

Which of the following is a reason cash flows may differ from accounting income? The total number of units sold will be different for accounting income and cash flows. Depreciation is a tax-deductible expense but is not a cash outlay. Which of the following best describes incremental cash flows? They are the difference between the cash flows the firm will have if it accepts the project versus the cash flows it will have if it rejects the project. Incremental cash flows are not relevant because they will occur whether or not the project is accepted.

Answers

Answer:

1. Depreciation is a tax-deductible expense but is not a cash outlay.

2. They are the difference between the cash flows the firm will have if it accepts the project versus the cash flows it will have if it rejects the project.

Explanation:

1. Depreciation as a non-cash outlay is removed from the Net Income when it is calculated for tax purposes. However, when calculating the Net Cash-flow, it is added back because the Cash-flow statement deals with how much actual money the business has and because depreciation does not actually take any money, it would need to be added back in the cash-flows as opposed to Accounting income where it is removed.

2. Incremental Cash-flows get their name from the fact that they will add income to a firm. This cash-flow comes if the company accepts a project as opposed to rejecting it and the cash they get from this increases their cash-flow making it incremental.

From past records it is known that 10% of items from a production line are defective. If two items are selected at random, what is the probability that only one is defective?

Answers

Answer:

0.2

Explanation:

The Probability distribution is the function which describes the likelihood of possible values assuming a random variable. The 10% of the items from the production line are assumed to be defective. There is a sample selection of 2 items. The probability that one of the item among the selected sample of two items is found defective is 0.2 (2 items sample *10%)

Allowance for Doubtful Accounts has a debit balance of $441 at the end of the year (before adjustment), and Bad Debt Expense is estimated at 3% of sales. If net credit sales are $903,000, the amount of the adjusting entry to record the estimate of the uncollectible accounts is a.$26,649 b.$27,531 c.$27,090 d.$441

Answers

Answer: $27,090

Explanation:

From the question, we are informed that the allowance for doubtful accounts has a debit balance of $441 at the end of the year (before adjustment), and bad debt expense is estimated at 3% of sales and that the net credit sales are $903,000.

The amount of the adjusting entry to record the estimate of the uncollectible accounts will be 3% of $903,000. This will be:

= 3% × $903,000

= 3/100 × $903,000

= 0.03 × $903,000

= $27,090

"Morales Corporation produces microwave ovens. The following per unit cost information is available: direct materials $34, direct labor $27, variable manufacturing overhead $15, fixed manufacturing overhead $43, variable selling and administrative expenses $20, and fixed selling and administrative expenses $28. Its desired ROI per unit is $31. Compute the markup percentage using absorption-cost pricing. (Round answer to 2 decimal places, e.g. 10.50%.)"

Answers

Answer:

Mark- up = 26.05%

Explanation:

Absorption costing is method of costing where overheads are charged to units produced using volume-based bases. e.g machine hours, labour hours e.t.c. Units are valued using full cost per unit  

Full cost per unit= Direct material cost + direct labor cost + variable manufacturing overhead + fixed manufacturing overhead

Note that the selling and administrative expenses are period cost which are not to be considered as production cost, hence they are excluded.

Full cost per unit= 34 + 27 +15 +43 = 119  

ROI per unit/profit per unit = 31

Mark- up under absorption costing is profit expressed as a percentage of of the full cost.

Mark- up = 31/119 × 100 = 26.05%

Mark- up = 26.05%

1. Ramirez Company installs a computerized manufacturing machine in its factory at the beginning of the year at a cost of $84,200. The machine's useful life is estimated at 10 years, or 386,000 units of product, with a $7,000 salvage value. During its second year, the machine produces 32,600 units of product. Determine the machine's second-year depreciation and year end book value under the straight-line method.
2. Ramirez Company installs a computerized manufacturing machine in its factory at the beginning of the year at a cost of $84,200. The machine's useful life is estimated at 10 years, or 386,000 units of product, with a $7,000 salvage value. During its second year, the machine produces 32,600 units of product. Determine the machine's second-year depreciation using the double-declining-balance method.

Answers

Answer:

1) Determine the machine's second-year depreciation and year end book value under the straight-line method.

depreciation expense per year = (purchase cost - salvage value) / useful life

depreciation expense per year = ($84,200 - $7,000) / 10 = $7,720

book value at the end of year 2 = $84,200 - ($7,720 x 2) = $68,760

2) Determine the machine's second-year depreciation using the double-declining-balance method.

depreciation year 1 = 2 x 1/10 x $84,200 = $16,840

depreciation year 2 = 2 x 1/10 x $67,360 = $13,472

book value at end of year 2 = $67,360 - $13,472 = $53,888

Assume that we are in the MM world. The beta of an all-equity firm is 1.4. Suppose the firm changes its capital structure to 40 percent debt and 60 percent equity. What is the equity beta of the levered firm

Answers

Answer:

2.3

Explanation:

Levered Beta = Unlevered Beta x (1+D/E)

D/E = Debt-to-Equity Ratio

1.4 x (1 + 04 / 0.6) = 1.4 x 1.667 = 2.3

Exhibit 24-4 Price Quantity Demanded Total Fixed Cost Total Variable Cost Total Revenue Total Cost Marginal Revenue Marginal Cost $50 0 $8 $0 (C) (H) 45 1 8 20 (D) (I) (L) (R) 40 2 (A) 30 (E) (J) (M) (S) 35 3 8 55 105 63 (N) (T) 30 4 8 (B) (F) 93 (P) (U) 25 5 8 125 (G) (K) (Q) (V) Refer to Exhibit 24-4. What dollar amounts go in blanks (F), (G), (H), (I), and (J), respectively

Answers

Answer:

F = Total Revenue at 4 units

= Price * Quantity demanded

= 30 * 4

= $120

G = Total Revenue at 5 units

= Price * Quantity demanded

= 30 * 5

= $150

H = Total Cost at 0 units

= Fixed Costs + Variable Costs

= 8 + 0

= $8

I = Total Cost at 1 unit

= Fixed Costs + Variable Costs

= 8 + 20

= $28

J = Total Cost at 2 units

= Fixed Costs + Variable Costs

Fixed costs are fixed at $8 so (A) is $8

= 8 + 30

= $38

a. Galaxy Sales has sales of $746,700, cost of goods sold of $603,200, and inventory of $94,300. How long on average does it take the firm to sell its inventory

Answers

Answer:

days of inventory on hand if 360 days is used = 360 / 6.396607 = 56.28 days

days of inventory on hand if 365 days is used = 365 / 6.396607 = 57.06 days

Explanation:

We are to determine the days of inventory on hand

days of inventory on hand = number of days in a period / inventory turnover

inventory turnover = cost of goods sold / inventory - $603,200 / $94,300 = 6.396607

days of inventory on hand if 360 days is used = 360 / 6.396607 = 56.28 days

days of inventory on hand if 365 days is used = 365 / 6.396607 = 57.06 days

To determine the realized return on an investmen, the investor needs to know:________

1. Income received
2. The cost of an investment
3. The sale price of the investment

a. 2 and 3
b. 2 and 4
c. 1 and 4
d. 1 and 3

Answers

Answer:

The correct answer all of the above is missing

Explanation:

In order to determine the realized return on investment, for instance, stock, one needs to the income received(dividend) the initial purchase price as well as the sale price of the investment as shown in the formula below:

return on investment=P1-Po+D/Po

P1 is the sale price of investment

Po is the initial cost of investment

D is the income received

Select a problem that a firm might have bringing out a new product or service and discuss how the firm could overcome that problem.

Answers

Explanation:

A potentially serious problem for a company is to launch a new product or service on the market without conducting marketing research to investigate the acceptance of its product to its target audience.

Marketing research is an essential tool for a company to collect relevant data and information about what the consumers' needs and desires are, what benefits they expect from a product or service, what features the product should have, the design, the price, and several other essential variables to help the company better understand the market and make the best decisions when launching a new product

Wikipedia's engagement of readers and the public in developing content, with an emphasis on timeliness and the breadth of content, exemplifies this type of value innovation:

Answers

Answer: Raise

Explanation:

The options for the question are:

a. Raise

b. Create

c. Reduce

d. Eliminate

Wikipedia is used by people that are involved in academics or anyone that is seeking information as it gives information regarding different topics and issues.

Wikipedia's engagement of readers and the public in developing content, with an emphasis on timeliness and the breadth of content, exemplifies this type of value innovation raise.

Wikipedia is utilized by academicians and anybody looking for knowledge since it provides information from a wide range of topics and situations.

This form of value innovation raising is shown by Wikipedia's participation of users and the public in producing content, with a concentration on immediacy and breadth of material.

Learn more:

https://brainly.com/question/12102265?referrer=searchResults

Bob is evaluating a bond issue to determine the right price for the bond. In his evaluation, he gathers the following information:
N = 8 years INT = .025 or 2.5% PMT = $25 FV = $1,000 (par value)
What is the above bond issue worth in today's dollars?
a. $1,000
b. $1,181.63
c. $1,200.50
d. None of the above

Answers

Answer:

The price of the bond is $1000. Thus, option a is the correct answer.

Explanation:

The price of a bond is calculated using the present value of the interest payments made by the bond, which is in the form of an annuity, plus the present value of the face value of the bond. The present value is calculated by discounting the annuity of interest and the face value by the YTM or yield to maturity. In case YTM is not provided, we assume that it is same as or equal to the coupon rate paid by the bond.

The formula for the price of the bond is attached.

Bond Price = 25 * [(1 - (1+0.025)^-8) / 0.025]  +  1000 / (1+0.025)^8

Bond Price = $1000

Michelle Townsend owns stock in National Computers. Based on information in its annual report, National Computers reported after-tax earnings of $9,700,000 and has issued 7,000,000 shares of common stock. The stock is currently selling for $32 a share. a. Calculate the earnings per share for National Computers. (Round your answer to 2 decimal places.) b. Calculate the price-earnings (PE) ratio for National Computers. (Use the rounded earnings per share from part a. Round your answer to 2 decimal places.)

Answers

Answer:

1. Earnings per share = $1.39

2. Price earning ratio = $23.02

Explanation:

1.  Earnings per share = After tax income / Number of shares

Earnings per share = $9,700,000 / 7,000,000

Earnings per share = $1.39

2. Price earning ratio = Price per share / Earning per shares

Price earning ratio = $32 / $1.39

Price earning ratio = $23.02

On January 1, 2014, Pert Company purchased 85% of the outstanding common stock of Sales Company for $350,000. On that date. Sales Company's stockholders' equity consisted of common stock, $100,000; other contributed capital, $40,000; and retained earnings, $140,000. Pert Company paid more than the book value of net assets acquired because the recorded cost of Sales Company's land was significantly less than its fair value.
During 2014 Sales Company earned $148,000 and declared and paid a $50,000 dividend. Pert Company used the partial equity method to record its investment in Sales Company.
Required:
1. Prepare the investment-related entries on Pert Company's books for 2014.
2. Prepare the working paper eliminating entries for a working paper on December 31, 2014.

Answers

Answer and Explanation:

The journal entries are shown below:

a. For investment related entries

Investment in sales Dr $350,000

          To cash $350,000

(being the investment is recorded)

Investment in sales Dr ($148,000 × 85%) $125,800

          To Subsidiary income $125,800

(Being the investment in sales is recorded)

Cash Dr $42,500

      To Dividend income $42,500

(Being the dividend income is recorded)

b. For work paper eliminating entries

Equity income ($148,000 × 85%) $125,800

      To Dividend $42,500

      To investment in sales $83,300

(Being the equity income is recorded)

Common stock Dr $100,000

Other contributed capital Dr $40,000

Retained earnings Dr $140,000

Difference between implied and book value Dr $131,765 (Bal figure)

          To Investment in S Company $350,000

          To Non controlling interest $61,765  ($350,000 ÷ 0.85 × 0.15)

(Being the consolidated items are recorded)

Land Dr $131,765

         To Difference between implied and book value Dr $131,765

(Being the land is recorded)

Working note:

Particulars         Parent share    Non-conrolling interest   Total value

Purchase price

& implied value  $350,000       $61,765                            $411,765

Less:

Book value          -$238,000    -$42,000                          -$280,000

Difference

amount                $112,000          $19,765                           $131,765

Less:

Land value           -$112,000        -$19,765                         -$131,765

Balance                 $0                    $0                                  $0                    

7. What is the advantage of binding things as early as possible? What is the advantage of delaying bindings?

Answers

Answer:

1. early binding enhances performance

2. late binding gives flexibility

Explanation:

this is generally the advantage of early binding. early binding gives room for better efficiency

.This is because it would be needless to reanalyze every time whenever something is declared. Early binding is for performance.

meanwhile late binding is known to have better flexibility and gives room for more polymorphism. this binding gives extension to runtime.

The intrinsic value of CSR sees it as an opportunity that can maximize core competencies and identify new competitive ______.

Answers

Answer:

"Advantages" is the correct answer.

Explanation:

Intrinsic value can be calculated of what might be valuable of such an object. CSR can indeed be described as combining ethical principles that support cultures, individuals as well as the community with either the commercial management of an organization, a collaborative effort by such a financial institution to based on the assessment that affects mankind.

Goods that are specifically made for the buyer and are of such an unusual nature that they are not suitable for trade in the ordinary course of the seller's business are called _____.

Answers

Answer:

non-resellable goods

Explanation:

Sometimes goods that are so uniquely customized in order to fit or serve only one client, cannot be sold to anyone else. This type of goods are considered non-resellable since it is very difficult or very unusual for another customer to purchase such a good.

E.g. suppose that you have a lot of money but at the same time like rainbows and decide that you are going to purchase a Porsche, but you are going to customize with a rainbow like paint and interior. This car would be so unique that only you would buy it and drive it.

Charlie Plumbing Supplies has a return on assets (ROA) of 24%, while the industry average of similar companies is 13%. This means that Charlie Plumbing Supplies' asset turnover is higher than the industry average.

a. True
b. False

Answers

Please answer please please thank you

John Q. Public spends all of his income on gas and burgers. Draw his budget constraint for these products when the following are true:
A. Graph A: his income is $80, the cost of a CD is $2 and a cost of a burger is $2.
B. Graph B: his income is $120, the cost of a CD is $2 and the cost of a burger is S2.
C. Graph C: his income is $80, the cost of a CD is $5 and the cost of a burger is $2.
D. Add an indifference curve into graph A. How many CDs and burgers will he buy to be at equilibrium?
E. Add an indifference curve into graph B. How many CDs and burgers will he buy to be at equilibrium?
F. Add an indifference curve into graph C. How many CDs and burgers will he buy to be at equilibrium?
G. Does the equilibrium level of CDs and burgers change due to the changes in income and costs?

Answers

The awnsers is E add =+

Which of the following is a characteristic of a firm’s optimal dividend policy? It maximizes the firm’s stock price. It maximizes the firm’s return on equity. It maximizes the firm’s earnings per share. It maximizes the firm’s total assets.

Answers

Answer:

It maximizes the firm’s stock price.  

Explanation:

The correct answer is “it maximizes the firm’s stock price” because the optimal dividend policy allows the variable risk parameters and it maximizes the firm’s value. Moreover, the dividend policy attracts the shareholders and it maintains the firm’s or the company’s worth in the market. Therefore, the optimal payment of dividend increases or maximizes the stock price.

"A municipality has a tax rate of 18 mills. A piece of real property in the municipality is assessed at $180,000 and has a fair market value of $165,000. The annual tax liability on the property is:"

Answers

Answer:

$3,240

Explanation:

Calculation for the annual tax liability on the property

Using this formula

Annual tax liability= (Tax rate× Real property )

Where= Tax rate =18 million

Real property=180,000

Let plug in the formula

Annual tax liability=( .018x180000)

Annual tax liability=$3,240

Therefore the annual tax liability on the property is $3,240

Functioning as a Bill of Rights for Americans with all types of disabilities, the Worker Adjustment and Retraining Notification Act prohibits discrimination in advancement, discharge, compensation, training, and other terms and conditions of employment.

a. True
b. False

Answers

Answer:

***********************************************************

========================================

I think it can be A.true

Hope this helps u

Sorry if I am wrong but I tried my best :)))

Can I please get brainliest?

Thanks!!!!

************************************************************

=========================================

By: umm me....

Karim Corp. requires a minimum $9,900 cash balance. If necessary, loans are taken to meet this requirement at a cost of 2% interest per month (paid monthly). Any excess cash is used to repay loans at month-end. The cash balance on July 1 is $10,300 and the company has no outstanding loans. Forecasted cash receipts (other than for loans received) and forecasted cash payments (other than for loan or interest payments) follow.
July August September
Cash receipts $25,900 $33,900 $41,900
Cash payments 30,850 31,900 33,900
Prepare a cash budget for July, August, and September.

Answers

Answer:

                                              Karim Corp.

                                             Cash Budget

                                For July, August and September

                                                     JULY$       AUGUST$     SEPTEMBER$

Beginning cash balance              10,300        9,900           9,900

Cash receipts                                 25,900       33,900         41,900

Total cash available                    36,200         43,800         51,800

Cash payment                               30,850          31,900         33,900

Interest on bank loan                    0                    91                  53

Preliminary cash balance              5,350           11,809           17,847

Additional loan(loan repayment)  4,550            -1,909          -2,641

Ending cash balance                     9,900             9,900         15,206

                                               Loan Balance

Loan balance - Beginning of month    0                 4,550           2,641

Additional loan(loan repayment)       4,550           -1,909          -2,641

Loan balance - End of month            4,550             2,641            0

August Interest on bank loan = 4550 * 2% = $91  

September interest on loan = 2641 * 2% = 52.82 = $53

When using the equity method, receipt of cash dividends increases the carrying (book) value of an investment in equity securities.
A. True
B. False

Answers

The correct answer is false
False most definitely

Rustafson Corporation is a diversified manufacturer of consumer goods. The company's activity-based costing system has the following seven activity cost pools
Activity Cost Pool Estimated Overhead Cost Expected Activity
Labor-related $ 52,000 8,000 direct labor-hours
Machine-related $ 15,000 20,000 machine-hours
Machine setups 42,000 1,000 setups
Production orders 18,000 500 orders
Product testing $48,000 2,000 tests
Packaging $ 75,000 5,000 packages
General factory 108,800 8,000 direct labor-hours
a. Compute the activity rate for each activity cost pool. (Round your answers to 2 decimal places.)
b. Compute the company's predetermined overhead rate, assuming that the company uses a single plantwide predetermined overhead rate based on direct labor-hours. (Round your answer to 2 decimal places.)"

Answers

Answer and Explanation:

a. The computation of the activity rate is shown below:

                       (a)                         (b)                      (a ÷ b)

Activity            Estimated            Expected         Activity rate

Cost Pool        Overhead Cost   Activity

Labor-related   $52,000            8,000                 $6.50

                                                   direct labor-hours

Machine-related $15,000           20,000              $0.75

                                                    machine-hours

Machine setups 42,000              1,000 setups      $42

Production orders 18,000           500 orders         $36

Product testing  $48,000            2,000 tests        $24

Packaging           $75,000          5,000 packages  $15

General factory   108,800           8,000                 $13.60

                                                     direct labor-hours

Total                   $358,800

b. The company predetermined overhead rate is shown below:

= Total estimated overhead cost ÷ direct labor hours

= $358,800 ÷ 8,000 direct labor hours

= $44.85

If the dividend yield for year one is expected to be 5% based on the current price of $50, what will year three dividend (DIV3) be if dividends grow at a constant 4%

Answers

Answer:

Div₃ = $2.81

Explanation:

dividend yield = current dividend / current stock price

0.05 = current dividend / $50

current dividend = $50 x 0.5 = $2.50

Div₀ = $.250

Div₁ = $2.50 x 1.04 = $2.60

Div₂ = $2.60 x 1.04 = $2.704 = $2.70

Div₃ = $2.704 x 1.04 = $2.81

A clothing manufacturer produces clothing in five locations in the U. S. In a move to vertical integration, the company is planning a new fabric production plant that will supply fabric to all five clothing plants. The clothing plants have been located on a coordinate system as follows:
Location (X,Y)
A 7,2
B 4,7
C 5,5
D 2,2
E 9,4
Shipments of fabric to each plant vary per week as follows: plant A, 200 units; plant B, 400 units; plant C, 300 units; plant D, 300 units; and plant E, 200 units. What is the optimal location of X for the fabric plant?

Answers

Answer:

The optimal location of X for the fabric plant is 4.9

Explanation:      

    X    Y     W     X.W     Y.W

A   7    2     200   1400    400

B   4    7     400   1600    2800

C   5    5    300    1500    1500

D   2    2    300    600     600

E    9    4   200   1800     800

Total =      1,400  6,900  6,100

X= 6,900 / 1,400 = 4.9

Y= 6,100 / 1,400 = 4.4

Fortune Enterprises is an all-equity firm that is considering issuing $13.5 million of perpetual debt. The interest rate is 10%. The firm will use the proceeds of the bond sale to repurchase equity. Fortune distributes all earnings available to stockholders immediately as dividends. The firm will generate $3 million of earnings before interest and taxes (EBIT) every year into perpetuity. Fortune is subject to a corporate tax rate of 40%. Suppose the personal tax rate on interest income is 55%, and the personal tax rate on equity income is 20%.
What is the annual after-tax cash flow to debt holders under each plan in Q7?
A. Debt holders get $0 mil. under the unlevered plan vs. 1.2 mil. under the levered plan
B. Debt holders get $1.2 mil. under the unlevered plan vs. 0.66 mil. under the levered plan
C. Debt holders get $0 mil. under the unlevered plan vs. 0.66 mil. under the levered plan
D. Debt holders get $0 mil. under the unlevered plan vs. 0.6075 mil. under the levered plan

Answers

Answer:

D. Debt holders get $0 mil. under the unlevered plan vs. 0.6075 mil. under the levered plan

Explanation:

interests paid to debt holders = $13,500,000 x 10% = $1,350,000

generally, interest revenue is taxed as ordinary revenue = corporate income tax rate (if debt holder is a business) or personal income tax (if debt holder is an individual).

under the first plan, debt holders get nothing because there is no outstanding debt since the company is an all equity firm.

under the second plan, if the personal tax rate on interest income is 55%, which is really high, the debt holders will earn $1,350,000 x (1 - 55%) = $607,500

Exercise C The marketing department of Specialty Coffees estimates the following monthly demand for espresso in these four price-quantity relationships: Demand 1 9,000 cups at $1.00 per cup 2 8,000 cups at $1.25 per cup 3 6,000 cups at $1.50 per cup 4 4,000 cups at $1.75 per cup The fixed costs of $3,000 per month are not affected by the different price-volume alternatives. Variable costs are $0.25 per cup. What price should Specialty Coffees set for espresso

Answers

Answer:

It should price the espresso at $1.25

Explanation:

[tex]\left[\begin{array}{ccccc}&D1&D2&D3&D4\\$Sales Price&1&1.25&1.5&1.75\\$Variable Cost&0.25&0.25&0.25&0.25\\$Margin&0.75&1&1.25&1.5\\$Quantity&9,000&8,000&6,000&4,000\\$Contribution&6,750&8,000&7500&6,000\\$Fixed Cost&3,000&3,000&3,000&3,000\\$Income&3,750&5,000&4,500&3,000\\\end{array}\right][/tex]

The best Income is generated at the price of 1.25 dollar

Therefore, this is the amount to Specialty Coffees set for espresso.

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