The Maybe Pay Life Insurance Co. is trying to sell you an investment policy that will pay you and your heirs $26,000 per year forever. If the required return on this investment is 5.3 percent, how much will you pay for the policy

Answers

Answer 1

Answer:

$490,566.04

Explanation:

Calculation for how much will you pay for the policy

Using this formula

Present value of perpetuity= Investment policy Annual inflows/ Required rate of return

Let plug in the formula

Present value of perpetuity=$26,000/0.053

Present value of perpetuity=$490,566.04

Therefore the amount that you will pay for the policy is $490,566.04


Related Questions

Abbott, Inc., issued $50,000 of bonds, paid cash dividends of $8,000, sold long-term investments for $12,000, received $5,000 of dividend revenue, purchased treasury stock for $5,000, and purchased new equipment for $19,000. What is the net cash flow from financing activities?

a. $70,000 inflow.
b. $27,000 inflow.
c. $90,000 inflow.
d. $20,000 outflow.

Answers

Answer:

$27,000

Explanation:

            Cash flow from financing activities

Particulars                                     Amount

Bond issued                                  $50,000

Less: Cash dividend payment      $8,000

Less: Treasury stock purchase     $15,000

Net cash-flow from financing      $27,000

activities

A company reports total assets of $920,000 and stockholders' equity of $540,000. Calculate the debt ratio. (Round your answer to two decimal places.)

Answers

Answer: 41.3%

Explanation:

From the question,

Total assets = $920,000

Stockholders' equity = $540,000

Debt will be the difference between the assets and the equity. This will be:

= $920,000 - $540,000

= $380,000

Debt ratio = Debt / Total assets

= $380,000 / $920,000

= 0.413

= 41.3%

Adama Company incurred the following costs.Indicate to which account Adama would debit each of the costs.1. Sales tax on factory machinery purchased$ 5,000 Select the account to be debitedEquipmentPrepaid InsuranceBuildingLandLand Improvements2. Painting of and lettering on truck immediately upon purchase700 Select the account to be debitedLandPrepaid InsuranceEquipmentBuildingLand Improvements3. Installation and testing of factory machinery2,000 Select the account to be debitedPrepaid InsuranceBuildingLandEquipmentLand Improvements4. Real estate broker’s commission on land purchased3,500 Select the account to be debitedLandLand ImprovementsPrepaid InsuranceBuildingEquipment5. Insurance premium paid for first year’s insurance on new truck880 Select the account to be debitedLandEquipmentPrepaid InsuranceLand ImprovementsBuilding6. Cost of landscaping on property purchased7,200 Select the account to be debitedEquipmentLand ImprovementsLandBuildingPrepaid Insurance7. Cost of paving parking lot for new building constructed17,900 Select the account to be debitedLand ImprovementsLandBuildingPrepaid InsuranceEquipment8. Cost of clearing, draining, and filling land13,300 Select the account to be debitedPrepaid InsuranceLandLand ImprovementsBuildingEquipment9. Architect’s fees on self-constructed building10,000

Answers

Answer:

1. Sales tax on factory machinery purchased  - $5,000

Account to be debited: Equipment

2. Painting of and lettering on truck immediately upon purchase - $700

Account to be debited: Equipment

3. Installation and testing of factory machinery - $2,000

Account to be debited: Equipment

4. Real estate broker’s commission on land purchased - $3,500

Account to be debited: Land

5. Insurance premium paid for first year’s insurance on new truck - $880

Account to be debited: Prepaid Insurance

6. Cost of landscaping on property purchased - $7,200

Account to be debited: Land Improvements

7. Cost of paving parking lot for new building constructed - $17,900

Account to be debited: Land Improvements

8.  Cost of clearing, draining, and filling land - $13,300

Account to be debited: Land

9. Architect’s fees on self-constructed building - $10,000

Account to be debited: Buildings

If the nominal interest rate is 6 percent and the rate of inflation is 10 percent, then the real interest rate is:______

Answers

Answer:

The real interest rate = - 4 percent

Explanation:

Given:

Nominal interest rate = 6 percent

Rate of inflation = 10 percent

Find:

The real interest rate

Computation:

The real interest rate = Nominal interest rate - Rate of inflation

The real interest rate =  6 - 10

The real interest rate = - 4 percent

If Jane Key invests $18,527.74 now and she will receive $40,000 at the end of 10 years, what annual rate of interest will she be earning on her investment?
A. 8.5%
B. 10%
C. 8%
D. 9%

Answers

Answer:

C. 8%

Explanation:

Future value factor:

= $18527.74 / $40000

= 0.4631935

At 8% for 10 years the future value factor is 0.4631935

Note: Proof of calculation is attached below as picture

Which inventory costing method generally results in the most recent costs being assigned to ending inventory?

a. LIFO.
b. FIFO.
c. Weighted average cost.
d. Simple average cost.
e. Specific identification.

Answers

Answer:

B. FIFO.

Explanation:

This is known in full as First in, First out which has a general ideology that purchases that are been made first are those to be sold also first too.bTherefore it is seen to be the discussed inventory when it comes to recent costing been assigned to ending inventories. They are been assumed to remain inventory consists of items purchased last. In other words, its alternate LIFO is an accounting method in which assets purchased or acquired last are disposed of first. Also it is seen in an inflationary market, lower, older costs are assigned to the cost of goods sold under the FIFO method.

Corporate spending on equipment, structures and intellectual property, decreased an annualized 2.2 percent after a 3.4 percent fall in the first quarter. Outlays for equipment dropped for the fourth time in the past five quarters. Spending on structures -- everything from factories to shops to oil rigs -- have increased in just one quarter since the end of 2014. Inventories and the trade gap are two of the most volatile components in GDP calculations. To get a better sense of demand in the U.S., economists look at final sales to domestic purchasers, or GDP excluding inventories and net exports. That measure increased 2.1 percent last quarter after a 1.2 percent gain. Also holding back economic growth in the second quarter was a decrease in residential investment, which fell at a 6.1 percent pace. That was the most since the third quarter of 2010 and marked the first decrease in two years. Government spending also shrank last quarter, declining 0.9 percent, the most in more than two years as outlays for the military fell. States and municipalities also cut back. The GDP report also showed price pressures remain limited. A measure of inflation, which is tied to consumer spending and strips out food and energy costs, climbed at a 1.7 percent annualized pace compared with 2.1 percent in the prior quarter. Fed policy makers, who left interest rates unchanged this week, said risks to the U.S. outlook have "diminished" and the labor market is getting tighter, suggesting conditions are turning more favorable for an increase in borrowing costs. U.S. Economy Grew Less-Than-Forecast 1.2% in Second QuarterSho ChandraIfU.S. households decide to work fewer hours and take more leisure time, which component of GDP is most likely to decrease as a result? A. net exports B. investment C. consumption D. government spending2. Based on the information in the article, does it appear that in early 2016 U.S. households in fact worked fewer hours and took more leisure time? What do the data suggest? According to the article (household consumption,hoisehold incomes, or unemployment) grew at an annualized rate of ( what) percent, a ( drop or jump ) compared to the recent past. This suggests that households worked (fewer) hours and took (less or more) leisure time

Answers

Answer:

1. c. consumption

If US household decide to work fewer hours and take more leisure time, the component of GDP that is most likely to decrease is consumption and the households' income will decrease. Consumption in economics means the purchase of goods and services demanded by individuals in an economy and its occurs according to household income level.

2. The sentence that is required to know the growth rate of household consumption is Household consumption. Household consumption accounts for about 70% of the economy and grew at 4.2% annualized rate which is the biggest jump since the end of 2014.

Household consumption grew at an annualized rate of 4.2%, a jump compared to the recent past. This suggest household worked more hours and took less leisure time.

Despite Africa's young, urbanizing population, abundant natural resources, and growing middle class, obstacles that have confronted would-be investors in Africa for years - widespread corruption, a lack of infrastructure and ready talent, and an underdeveloped consumer market - continue to stunt economic growth there. In formulating international strategy for a multinational firm, we would regard these obstacles as

Answers

Answer:

Opportunities

Explanation:

In the case when the international strategy is to be formulated for a firm i.e. multinational so the obstacles like infrastructure lacking, ready talent, non-developed consumer market etc would be classified as an opportunities as due to this there is a stunt in a economic growth.

So the given situation represent the opportunities and hence the same is to be considered

The free-rider problem; A. Arise from the ability to exclude an individual from the benefits of someone else's purchase B. Is a government failure resulting from consumption of private goods. C. Reflects the inability to exclude an Individual from the benefits of someone else's purchase. D. Means that the market mechanism is the most efficlent way to produce public goods.

Answers

Answer: C. Reflects the inability to exclude an Individual from the benefits of someone else's purchase.

Explanation:

The Free-rider problem is a concept in economics that describes the fact that sometimes people benefit from goods and services that they wither did not pay for or underpaid for.

There has been a failure to exclude those individuals who are free-riding from the benefits of goods and services that other people are paying for. A simple example of the free-rider phenomenon is using Wikipedia. Most of those who use it do not contribute or pay for its upkeep in any way yet reap the benefits of its extensive information.

PLEASE HELP!

Agnes and Sons had ordered 11,500 machine parts. The cost of the parts was $48,000.00. Find the cost
of each part to the nearest whole cent?

Answers

Answer:

$4.2 per part

Explanation:

11,500 machine parts were ordered

Total cost of the parts was $48,000.00

the cost per part will be total cost divided by the number of parts

i.e., cost per part = total costs/ number of parts

Cost per part =$48,000 / 11,500

Cost per part =$4.17

=$4.2 per part

You have been asked by the president of your company to evaluate the proposed acquisition of a new special-purpose truck for $60,000. The truck falls into the MACRS 3-year class, and it will be sold after three years for $19,800. Use of the truck will require an increase in NWC (spare parts inventory) of $1,800. The truck will have no effect on revenues, but it is expected to save the firm $20,400 per year in before-tax operating costs, mainly labor. The firm’s marginal tax rate is 34 percent. What will the cash flows for this project be? (Negative amounts should be indicated by a minus sign. Round your answers to 2 decimal places.)
Year 0 1 2 3
FCF $ $ $ $

Answers

Answer:

NCF year 0 = -$61,800

NCF year 1 = $20,264

NCF year 2 = $22,613.40

NCF year 3 = $32,782.60

Explanation:

initial outlay = $60,000 + $1,800 = $61,800

depreciation expense per year:

year 1 = $60,000 x 33.33% = $20,000

year 2 = $60,000 x 44.85% = $26,910

year 3 = $60,000 x 14.81% = $8,886      residual value = $4,204

after tax salvage value = $19,800 - [($19,800 - $4,204) x 34%] = $14,497.36

cost savings per year = $20,400

net cash flow year 1 = [($20,400 - $20,000) x (1 - 34%)] + $20,000 = $20,264

net cash flow year 2 = [($20,400 - $26,910) x (1 - 34%)] + $26,910 = $22,613.40

net cash flow year 3 = [($20,400 - $8,886) x (1 - 34%)] + $8,886 + $14,497.36 + $1,800 = $32,782.60

The amount of money a person pays each month to secure insurance
coverage is the ____.
O A. premium
O B. collateral
O C. policy
O D. deductible

Answers

The amount of money a person pays each month to secure insurance coverage is the premium.

Answer= Premium
The answer to the question is A! I think. Hope this helped ฅ^•ﻌ•^ฅ

difference between monopoly and perfectly competitive market structure ​

Answers

Answer:

see below

Explanation:

1. In a monopoly, one firm dominates a large market. Only one seller is serving a large number of buyers. In a perfectly competitive market structure, many sellers are competing to sell to many buyers.

2. A monopoly has no competition for its products. There are no close substitutes, which leaves customers with no other option but to buy from the monopoly. In perfect competition, sellers sell identical products. There is stiff competition for the product being sold.

3. In a monopoly, there are strong barriers to entry and exit from the market. In a perfectly competitive market, restrictions on entry or exit are absent.

4. The price for a monopoly is always set above the average cost, while in perfect competition, the price set is equal to the marginal cost.

5. A monopoly has full control over its price and can offer different prices to different groups of customers. In a perfects competition, the firms cannot practice price discrimination because they have no control over prices.

A property and casualty insurance company categorizes its policyholders into three groups: low risk, medium risk, or high risk. 25% of the policyholders are low risk and 30% are high risk. The high risk policyholders are three times as likely as medium risk policyholders to file an insurance claim and the medium risk policyholders are twice as likely as the low risk policyholders to file an insurance claim. Determine the proportion of the insurance claims filed by medium risk policyholders.

Answers

Answer:

The correct approach is "0.39".

Explanation:

The given values are:

Low risk percentage,

= 25%

i.e.,

= 0.25

High risk percentage,

= 30%

i.e.,

= 0.30

Now,

The medium risk percentage will be:

= [tex]1-(low+high)[/tex]

= [tex]1-(0.25+0.30)[/tex]

= [tex]1-0.55[/tex]

= [tex]0.45[/tex]

Should let probability of either an assertion by a low-risk policyholder be p,

Percentage of medium risk policyholder will be,

= 2p

Percentage of high risk policyholder will be,

= 3×2p

= 6p

By applying Bayes' theorem, we get

⇒ [tex]P(A | B) = \frac{P(A \$ B)}{P(B)}[/tex]

⇒               [tex]=\frac{(0.25p + 0.45\times 2p)}{(0.25p + 0.45\times 2p + 0.30\times 6p)}[/tex]

⇒               [tex]=\frac{1.15}{2.95}[/tex]

⇒               [tex]=0.39[/tex]

Answer:

the approach is "0.39"

Explanation:

The IBM Corporation invented the ________ benchmark to help with the design of its mainframe systems.

Answers

Answer:

Performance

Explanation:

IBM is widely known as the leader in the computer manufacturing business. Hence, they establish performance benchmarking to assess and analyze how the firm's product and services are operating in terms of sales revenue, profit generation, and customer happiness. This performance benchmarking is conducted to evaluate both internal and external performance.

Therefore, The IBM Corporation invented the PERFORMANCE benchmark to help with the design of its mainframe systems.

Zhang Company reported Cost of goods sold of $855,000, beginning Inventory of $41,200 and ending Inventory of $48,300. The average Inventory amount is:

Answers

Answer:

the avergae inventory amount is $44,750

Explanation:

The computation of the average inventory would be

= (Opening inventory + beginning inventory) ÷ 2

= ($41,200 + $48,300) ÷ 2

= $89,500 ÷ 2

= $44,750

hence, the avergae inventory amount is $44,750

We simply applied the above formula so that the correct value could come

And, the same is to be considered

The other values would be ignored

Drag each example to the corresponding step in the new-product development process.
1. Idea Generation
2. Concept Testing
3. Product Development
4. Market Testing
5. Product Launch
6. Evaluation of Results
A. Samples
B. Big box
C. Brainstorm
D. Prototypes
E. Strong sales
F. Presentation

Answers

Answer:

1. Idea Generation  ⇒ C. Brainstorm

Brainstorming is a process used to generate a large number of ideas where participating members contribute with any ideas that they can come up with.

2. Concept Testing  ⇒  B. Big box

3. Product Development   ⇒ D. Prototypes

When a company is developing a product, the firs thing that they will come up with is a prototype of the product.

4. Market Testing   ⇒ A. Samples

Free samples are important when you are testing a new product, e.g. handing out free samples

5. Product Launch   ⇒ F. Presentation

The formal presentation of a product takes place when the product is launched into the market.

6. Evaluation of Results  ⇒ E. Strong sales

The way that a company can evaluate if a product was accepted or not by the market is to see their sales records, if sales are strong, then the product was accepted.

Jim buys a 10-year bond with par value of 10,000 and 8% semi-annual coupons. The redemption value of the bond at the end of 10 years is 10,500. Calculate the purchase price to yield 6% convertible quarterly.a. 11,700.b. 14,100.c. 14,600.d. 15,400.e. 17,700.

Answers

Answer:

a. 11,700

Explanation:

The purchase price of the Bond is its Present Value or PV. The fact the Bond is convertible quarterly does not affect the normal calculations of this Present Value.

Calculation of Bond Purchase Price

N = 10 × 2 = 20

FV = 10,500

PMT = ($10,000 × 8%) ÷ 2 = $400

I = 6 %

P/YR = 2

PV = ?

Using a financial calculator to input the values as shown above the PV would be $11,765

The purchase price is thus closest to $11,700

The independent variable in the Situational school of leadership is: a. Maturity of the followers b. Clarity of the task c. Time horizon d. Organizational support for the leader e. b), c), and d) Only

Answers

Answer:

Maturity of the followers, clarity of the task, organizational support of the leader

Explanation:

Situational leadership takes into account the situational factors that are attached to the task of the leader. This type of leadership style does not take a one size fits all approach or a universal style of leadership, and therefore pays attention to factors such as relationship with members of the team, type of task etc. The above are factors that determine leadership style. Time horizon is not one of them. Another factor not included in the options is the relationship of the team or group members with the leader.

According to modern growth theory, the key to economic growth is Group of answer choices a large pool of unskilled labor. skilled labor. institutions. paved roads. modern buildings.

Answers

Answer:

Skilled labor

Explanation:

As per the modern economic growth theory, the economic growth would be possible via expenditure done on research & development and have the knowledge regarding innovations so for this the skilled labor is required that helps in research & development and so for innovations

So as per the given statement, the skilled labor is the correct option

Hence, the same is to be considered

Assume the following information about the market and RoseApple's stock.

RoseApple's beta = 1.50, the risk-free rate is 2%, the market risk premium is 8.0%. Using the SML, what is the expected return for RoseApple's stock?

Answers

Answer:

the expected return for RoseApple's stock is 14%

Explanation:

The computation of the expected rate of return is shown below:

As we know that

Expected return = Risk-free rate of return + Beta × market risk premium

= 2% + 1.50 × 8%

= 2% + 12%

= 14%

Hence, the expected return for RoseApple's stock is 14%

Therefore the above formula is applied to determine the expected return

Dexter Company purchases $ 30,000 of equipment on January 1, 2020. The equipment is expected to last five years and be worth $ 5,000 at the end of that time. Prepare the journal entry to record one year's depreciation expense of $ 5,000 for the equipment as of December 31, 2020

Answers

Answer:

Dr Depreciation expense- Equipment $5,000

Cr Accumulated depreciation- Equipment $5,000

Explanation:

Preparation of the journal entry to record one year's depreciation expense

Based on the information given we were told that the Company purchases Equipment at the amount of $ 30,000 in which the equipment is expected to last for five years and the Equipment will be worth the amount of $5,000.

Based on this the Appropriate journal entry to record one year's depreciation expense of the amount of $ 5,000 for the equipment as of December 31, 2020 will be :

Dr Depreciation expense- Equipment $5,000

Cr Accumulated depreciation- Equipment $5,000

Calculated as:

Depreciation Expense-Equipment= ($30,000 – $5,000) / 5 years

Depreciation Expense-Equipment= $15,000/5 years

Depreciation Expense-Equipment= $5,000

rialto company collected $5,000 on account. what impact will this transaction have on the firm's current ratio

Answers

Answer:

There would be NO IMPACT

Explanation:

From the question, we are informed about, rialto company collected $5,000 on account. In this case there will be no impact of this transaction on the firm's current ratio. The collection on account can be regarded as exchange of asset transaction, any increase change in current asset account cash, then there will be decreases in Accounts Receivable , the ration of current asset to current liabilities gives the current ratio, there is no impact of transaction on the current ratio, since the transaction doesn't affect both the

current asset to current liabilities

Which of the following is most likely to be the most challenging part of this first step of absolute valuation process?

a. Making the assumptions upon which to project future performance
b. Locating the required historic data within company releases and earnings Statements
c. Dividing the market cap by the number of shares
d. Conducting the necessary mathematics

Answers

Answer:

a) making the assumptions upon which to project future performance

Explanation:

Absolute value can be regarded as as a method that utilize discounted cash flow analysis in knowing the worth of a organization financially. It should be noted that making the assumptions upon which to project future performance is most likely to be the most challenging part of this first step of absolute valuation process.

Gerald owns 465 shares of stock, with a basis of $2,831. The stock split 3 for 1. Gerald now owns ______ shares at ______ per share.

Answers

Answer:

Gerald now owns 1,395 shares at $2.03 per share.

Explanation:

Gerald originally owned 465 stocks, but after the stock split he will own 465 x 3 = 1,395 stocks. His basis though will not change, it will be the same $2,831. So the basis per share = $2,831 / 1,395 stocks = $2.029 ≈ $2.03 per stock. Stock splits do not alter the basis of a portfolio, it only increases the total number of stocks.

The amount of shares Gerald now owns is 1,395 shares and the price per share is $2.03.

When there is a stock split, the number of stock outstanding is increased by a constant number. When there is a stock split 3 for 1, for every 1 stock a shareholder owns, the shareholder now owns 3 stocks.

Number of shares owned = 465 x 3 = 1,395 shares

When there is a stock split, the value of the stock declines per share.

Value per share = $2831 / 1395 = $2.03

To learn more about stock splits, please check: https://brainly.com/question/25513890

Marsh is deciding whether or not to open a lemonade stand. She expects to sell 20 cups of lemonade for $1 per cup. She already made a sign that cost her $10 and will have $15 worth of additional costs for cups and lemonade mix if she decides to open the stand.
If Marah decides to open the lemonade stand, how much profit will she earn?

Answers

Answer:

none

Explanation:

If Marsh expects to sell 20 cups of lemonade for $1 per cup then that is a total of $20. Unfortunately, Marsh has already spent $10 and is expecting to spend another $15 which would mean that his total costs would be $25 (10 + 15). This is a whole $5 more than what he is expecting to make from selling the 20 cups of lemonade. Therefore, if he does open the lemonade stand he will not earn any profit and will be at a $5 loss.

Answer:

$5 profit

Explanation:

$10 cost to make the sign is sunk cost and should be ignore when making the decision! She should open the lemonade stand.

Izzy just received a credit card offer in the mail. The credit card has an APR of 17.16%. What is the monthly interest rate that will apply to any unpaid balances on this credit card

Answers

Answer:

1.43%

Explanation:

Given that the monthly interest rate that will apply to any unpaid balances on the credit card will be in compound interest. And therefore, for an APR (Annual Percentage Rate) of 17.16% and assuming a 12 months

Then we have 17.16% divided by the 12 months available.

Hence, in this case, we have 1.43% as the correct answer.

Desmond's 4-unit complex brings in an average of $1,250 per unit per month. The property is valued at $625,000. What is the gross rent multiplier (GRM) for this property

Answers

I don’t know sorry but I tried my best and I couldn’t understand good luck

The cost of a high-quality 250-horsepower compressor was $13,500 when recently purchased. What would a 608-horsepower compressor be expected to cost

Answers

Answer:

Cost of 608 hp compressor = $32,832

Explanation:

Given:

Cost of 250 hp compressor = $13,500

Find:

Cost of 608 hp compressor

Computation:

Cost of 608 hp compressor = Cost of 250 hp compressor x [608 / 250]

Cost of 608 hp compressor = $13,500 x [608 / 250]

Cost of 608 hp compressor = $32,832

Whispering Winds Corp. has these accounts at December 31: Common Stock, $12 par, 6,100 shares issued, $73,200; Paid-in Capital in Excess of Par Value $19,600; Retained Earnings $44,600; and Treasury Stock, 560 shares, $12,320.

Required:
Prepare the stockholders’ equity section of the balance sheet.

Answers

Answer:

The answer is $125,080.

Explanation:

Common stock = $73,200($12 par x 6,100 shares)

Paid-in Capital = $19,600

Retained Earnings = $44,600;

Treasury Stock = $12,320( for 560 shares).

The stockholders’ equity is therefore :

$73,200 + $19,600 + $44,600 - $12,320

= $125,080.

NOTE: Treasury stock was subtracted from the rest because treasury stocks reduce the total number of stocks outstanding

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