Suppose, that after a successful career, a worker retired precisely as planned with precisely the amount saved that they intended. Upon retirement, they reduced their consumption and spent much less, living a much more simple life. Is this behavior consistent with the permanent income hypothesis?

Answers

Answer 1

Answer: Yes it is

Explanation:

The Permanent Income Hypothesis posits that human expenditure in the short term is based on the amount of income they expect to get as income over the long term.

If a person for instance, knows that they will receive a pay cut at the end of the year, they will probably spend less today to survive the pay cut.

Same goes for the worker in this scenario. They know that the amount they saved is all they have now and into the future so they are adjusting their expenses to ensure they survive on that saving.


Related Questions

If an economy experiences deflation, then the overall price level is increasing. the aggregate price level is declining. the aggregate price level is rising, but not as quickly as it did in the previous year. the prices of all goods in the economy are decreasing. the prices of consumer goods are decreasing while the prices of raw materials are increasing.

Answers

Answer:

If an economy experiences deflation, then

the prices of all goods in the economy are decreasing.

Explanation:

Generally, deflation is an economic condition whereby there is a decrease in the general price level of goods and services.  As the opposite of inflation, deflation occurs when the inflation rate falls below 0%.  During deflation, consumers spend less money on goods and services because of the decreasing demand.  This demand drop with increasing supply leads to a general decline in prices, with organizations trying to sell off their inventory.

Answer:

C. An aggregate price level is declining.

Explanation:

literally doing this same assignment right now in ECON2301, C was the right answer on mine

if we say local materials​

Answers

What? This is a little confusing

Zwick Company bought 25,500 shares of the voting common stock of Handy Corporation in January 2021. In December, Handy announced $202,700 net income for 2021 and declared and paid a cash dividend of $3.00 per share on all 202,500 shares of its outstanding common stock. Zwick Company's dividend revenue from Handy Corporation in December 2021 would be:

Answers

Answer:

$76,500

Explanation:

Zwick Company owns 25,500 shares of Handy Corporation, which represents 25,500 / 202,500 = 12.59% of all common stocks. Since Zwick influence over Handy is not significant, all dividends received will be directly considered dividend revenue.

total dividends received = $3 per share x 25,500 shares = $76,500

An investor purchases a long call at a price of $3.05. The strike price at expiration is $46. If the current stock price is $46.10, what is the break-even point for the investor?
a. $32.50
b. $35.00
c. $37.50
d. $37.60

Answers

Answer: $49.05

Explanation:

The call was purchased at $3.05 and the strike price at expiration is $46. The total expenses at expiration is:

= 46 + 3.05

= $49.05

To make a profit, the stock price will have to be above $49.05 which makes it the breakeven point.

Option not included.

A stock just paid an annual dividend of $1.8. The dividend is expected to grow by 8% per year for the next 3 years. The growth rate of dividends will then fall steadily (linearly) from 8% after 3 years to 5% in year 6. The required rate of return is 12%.
1. What is the current stock price if the dividend growth rate will stay 0.05 (5%) forever after 6 years?
2. In 6 years, the P/E ratio is expected to be 23 and the payout ratio to be 80%. What is the current stock price when using the P/E ratio?

Answers

Answer:

1.

The current stock price is $28.71

2.

The current stock price is $149.15

Explanation:

1.

We need to calculate the present value of the dividends with each growth

First calculate the dividend each year

Year _________________________ Dividend

1 _____( $1.8 x ( 1 + 8% )^1__________ $1.9440

2_____( $1.8 x ( 1 + 8% )^2__________ $1.1664

3_____( $1.8 x ( 1 + 8% )^3__________ $2.2675

4_____( $2.2675 x ( 1 + 7% )________ $2.4262

5_____( $2.4262 x ( 1 + 6% )________ $2.5718

6_____( $2.5718 x ( 1 + 5% )_________ $2.7004

Calculate  the present value of each years dividend

Year _________________________ present value

1 _____( $1.9440 / ( 1 + 12% )^1 __________ $2.1773

2_____$1.1664 / ( 1 + 12% )^2___________ $0.9298

3_____$2.2675 / ( 1 + 12% )^3___________$0.7118

4_____$2.4262 / ( 1 + 12% )^4___________$1.5419

5_____$2.5718 / ( 1 + 12% )^5___________ $1.4593

6_____$2.7004 / ( 12% - 5% ) / ( 1 + 12% )^5_$21.8897

Total _____________________________ $28.7098

Hence priec of the stock is $28.71

2.

First calculate dividend of Year 6

Dividend = EPS x Payout ratio = 23 x 80% = $18.40

Present value = $18.4 / ( 12% - 5% ) / ( 1 + 12% )^5 = $149.15

Given the following data:
Net sales $430,000
Cost of goods sold $80,000
Gross profit $350,000
Operating expenses $50,000
Net income $300,000
In vertical analysis, net income would be expressed as: (Round your final answer to the nearest whole percent)
A. 12%.
B. 81%.
C. 70%.
D. 19%

Answers

Answer:

C. 70%.

Explanation:

Calculation for the net income

Using this formula

Net income=Net income/Net Sales

Let plug in the formula

Net income= $300,000/ $430,000

Net income=70%

Therefore the net income would be expressed as 70%

Juan purchases an annuity for 3890 dollars that will make 19 annual payments, the first to come in one year. If the effective rate of interest is 10.8 percent, how much is each annual payment?

Answers

Answer:

489.92  

Explanation:

The formula for the  present value of an ordinary annuity below can be used to determine the size of annual payment wherein  the formula is rearranged to make annual payment the subject of the formula:

PV=Annual payment*(1-(1+r)^-n/r

PV=price paid today=3,890

Annual payment= the unknown

r=effective rate of interest=10.8%

n=number of annual payments expected=19

3,890=Annual payment*(1-(1+10.8%)^-19/10.8%

3,890=Annual payment*(1-(1.108)^-19/0.108

3,890=Annual payment*(1-0.142476931 )/0.108

3,890=Annual payment*0.857523069 /0.108

Annual payment=3,890*0.108/0.857523069

Annual payment= 489.92  

In U.S. price support programs, the "loan rate" is:______.
a. determined by Federal Reserve policy.
b. the interest rate a farmer must pay if he borrows from the government with his crop as collateral.
c. the difference between the market price and the target price.
d. the proportion of the farmer's crop he can loan to the government.
e. the effective price (i.e. price floor) for the commodity to ensure loan repayment.

Answers

Answer: E. the effective price (i.e. price floor) for the commodity to ensure loan repayment

Explanation:

The Price Support Programm is a policy by the government that is used in order to help farmers when there's a reduction in prices of agricultural products by giving out insurance to the farmers.

In U.S. price support programs, the "loan rate" is simply the effective price (i.e. price floor) for the commodity to ensure loan repayment.

A five-year bond has a par value of 1000, a coupon of 3%, and a required yield of 5%. What should be the market price of this bond?

Answers

Answer:

The market price of the bond is $913.41

Explanation:

The coupon payment is annual, meaning it is being paid once a year.

N(Number of years/Number of periods) = 5

I/Y(Yield-To-Maturity) = 5 percent

PMT(coupon payment) = $30 [(3/100) x $1,000]

FV(Future value/Par value) =$1,000

PV(present value or market value) = ?

Now to solve this, lets use a financial calculator (e.g Texas BA II plus)

N= 5; I/Y = 5%; PMT = $30; FV = $1,000; CPT PV = -$913.41

Therefore, the market price of the bond is $913.41

The stable and predictable base of deposited funds that are not highly sensitive to movements in market interest rates but tend to remain with the bank are called:

Answers

Answer:

Core deposits.

Explanation:

The stable and predictable base of deposited funds that are not highly sensitive to movements in market interest rates but tend to remain with the bank are called core deposits.

Basically, this type of deposit gives rise to a stable source of money (funds) used for lending by financial institutions such as banks to its customers. Core deposits include all active accounts by customers, certificate of deposits, money market deposits, time deposits, demand deposits, etc.

The main purpose of the core deposits is to ensure there are predictable costs and it can be used to measure a customer's loyalty.

Who are the most aggressive of the types we looked at?

Answers

What were you looking at????

Glenn is an accountant who races stock cars as a hobby. This year Glenn was paid a salary of $83,000 from his employer and won $2,300 in various races. What is the effect of the racing activities on Glenn's taxable income if Glenn has also incurred $4,500 of hobby expenses this year?

Answers

The answer is 40,000

Getting certain advanced certifications can require ______.
a.
Passing knowledge tests
b.
Years of experience
c.
Extensive training
d.
All of the above

Answers

Answer:

d. All of the above

Explanation:

Advanced certificate programs as the name entails are only for professionals who are established in their careers line. Ordinary or new professionals cannot get this certificate as it requires experiences and job test to acquire the certificate. Passing knowledge tests, years of experience and extensive training are all requisite to possess to be able to acquire advance certificate.

Answer:

d all of the above. HOPE THIS HELPS!!

Explanation:

EASY ANSWER
You should plan to arrive _____ minutes early for an interview.

fifteen
ten
twenty
five

Answers

Answer:

10 or 15 bc of my mom

Explanation:

Answer:

Fifteen

Explanation:

four activities or services that make trade easy ​

Answers

Answer:

The activities are:

1. Transport

In the cutting edge times there is a tremendous distance between places of creation and the places of utilization. This trouble is eliminated by a significant guide to exchange known as Transport.Transport makes place utility.

2. Communication

Communication implies sending or trade of data starting with one individual then onto the next.

Communication can be oral or recorded as a hard copy. It is important to impart data starting with one then onto the next to finish and settle the terms of deals, for example, costs of products, markdown permitted, the office of credit, and so forth

3. Banking

Banking tackles the issue of money. Finance managers get cash and furthermore pays cash in huge sums. It is unsafe to convey a lot of money starting with one spot then onto the next. Here comes Banking as an answer. Banking and monetary organizations take care of the issue of installment and encourage a smooth trade among purchaser and dealer. The finance managers may likewise require present moment and long haul reserves. Banks give such account to money managers.

4. Advertising

Advertising fills the information hole and it unravels the trouble of data. Trade of merchandise and ventures conceivable just if makers can carry the items to the customers. Advertising and exposure are significant media of mass correspondence. Advertising encourages buyers to think about the different brands fabricated by a few makers. The media used to publicize items are Radio, Papers, Magazines, television, the Web, Bulletin, and so on

Explanation:

Trade of products includes a few challenges, which are eliminated by helpers or strengthening underpins known as Aids to Trade.

Here, guides to exchange alludes to every one of those elaborate exercises, which straightforwardly or in a roundabout way encourages smooth trade of merchandise and enterprises.

Big Wheel, Inc. collects 25% of its sales on account in the month of the sale and 75% in the month following the sale. Sales on account are budgeted to be $17,900 for March and $50,600 for April. What are the budgeted cash receipts from sales on account for April

Answers

Answer:

$26,075

Explanation:

Follow the  Receipt Cycle that has been stated but this time focusing on the month of April

Receipts :

Collection for April Sales ( $50,600 × 25%)  = $12,650

Collection for March Sales ( $17,900 × 75%) = $13,425

Total Collection in April                                  = $26,075

Therefore, Total cash receipts from sales on account for April  are  $26,075.

Which of the following colors is highly variable and can be either cool or slightly warm, depending on how it is used?

Answers

Explanation:

Dark blue with dark red

an increase In long run aggregate supply can be expected to _______ the price level and ______ the natural rate of unemployment.​

Answers

Answer:

fall is the answer for both blanks

Xtron has few rules and procedures and prides itself on empowering lower-level employees to be nimble and responsive to its customers' rapidly changing needs. Xtron would be best described as a(n) ______ organization.

Answers

Answer:

Organic

Explanation:

From the question, we are informed about Xtron who has few rules and procedures and prides itself on empowering lower-level employees to be nimble and responsive to its customers' rapidly changing needs. In this case Xtron would be best described as a organic organization.

Organic organizations, which was set up by Tom Burns and G.M. Stalker arround 1950, organic organization can be regarded as organization that is can be embrace flexibility and have the potential to adapt well to changes, they also have

value external knowledge.

PLEASE HELP ME IM STUCK ON THIS

Answers

C because it’s something you pay every month
It’s C because it’s a monthly thing. You pay for it every month until it’s canceled.

A medical doctor is involved in a $1 million malpractice suit. He can either settle out of court for $250,000 or go to court. If he goes to court and loses, he must pay $825,000 plus $175,000 in court costs. If he wins in court the plaintiffs pay the court costs. Identify the actions of this decision-making problem. Remember, what an action is, something that the decision maker decides to do...

Answers

Answer:

there are two different actions in this decision making problem:

action 1: go to court and defend himselfaction 2: settle out of court and pay money to the plaintiff

Explanation:

When you are solving a problem and need to make to a decision, the actions are the result of what decision you finally decided to make. In this case, the doctor can decide to go to court or not. If he decides to go to court, he will have to defend himself in court. If he decides not to go to court, he will need to settle with the plaintiff without engaging in a court trial.

A company purchased an asset for $2,850,000 that will be used in a 3-year project. The asset is in the 3-year MACRS class. The depreciation percentage each year is 33.33%, 44.45%, and 14.81%, respectively. What is the book value of the equipment at the end of the project?
A) $211,185.B) $0.C) $633,270.D) $1,900,095.E) $2,638,815.

Answers

Answer:

A) $211,185

Explanation:

The computation of the book value of the equipment at the end of the project is as follows;

Depreciation in Year 1 is

= Asset Price × 33.33%

= $2,850,000 × 33.33%

= $949,905

Depreciation in Year 2 is

= Asset Price × 44.45%

= $2,850,000 × 44.45%

= $1,266,825

And, Depreciation in Year 3 is

= Asset Price × 14.81%

= $2,850,000 × 14.81%

= $422,085

Now

Total Accumulated Depreciation is

= $949,905 + $1,266,825 + $422,085

= $2,638,815

And, finally  

Book Value of the equipment is

= $2,850,000 - $2,638,815

= $211,185

Therefore the correct option is a.

Zoom, Inc. makes a sale for $600. The company is required to collect sales taxes amounting to 7%. The journal entry to record the sale will include a: ___________.
a. credit to Cash for $642.
b. credit to Sales Revenue for $600.
c. debit to Cash for $600.
d. credit to Sales Revenue for $642.
e. debit to Sales Tax Payable for $42.

Answers

Answer:

b. credit to Sales Revenue for $600.

Explanation:

The sales tax is 7% of the sales price which is $600

Sales tax=7%*$600=$42

The journal entries for this transaction would have a debit of $642(sales price plus sales tax i.e $600+$42=$642) in the cash account and not credit as shown by option a.

Also, sales revenue would be credited with sales price of $600 while sales tax payable is credited with the amount of sales tax which is $42( not a debit as shown by option e)

Which management function is also a financial responsibility

A.planning
B.organizing
C.staffing
D.coordinating
E.controlling

Answers

I think it's A) Planning

Answer:

The CORRECT answer is...... Staffing

Explanation:

Look at the picture

Proper Paints Company has a target capital structure of 35% debt and 65% common equity with no preferred stock. Its before tax cost of debt is 8% and its marginal tax rate is 25%. The current stock price is P0 = $22. The last dividend was D0 = $2.25 and it is expected to grow at a 5% constant rate. What is its cost of equity and it's WACC?

Answers

Answer:

cost of equity = 15.74 %

WACC = 12.33 %

Explanation:

The Weighted Average Cost of Equity (WACC) is the return that is required by providers of Long Term source of finance. WACC assumes the Pooling of Funds Principle when it comes to financing projects.

WACC = E/V × Ke + D/V × Kd

Where,

E/V = Market Weight of Equity

      = 0.65

Ke = Cost of Equity

    = D1 / P0 + g

    = ($2.25 × 1.05)/ $22 + 0.05

    = 15.74 %

D/V = Market Weight of Debt

       = 0.35

Kd = Cost of Debt

    =  8%  × (1 - 0.25)

    = 6 %

Therefore,

WACC = 0.65 × 15.74 % + 0.35 × 6 %

           = 12.33 %

mr kleaners acquired new industrial washing mavhine,the list price price of which was 52000.the supplier allowedva tade discount of 4000 off the list price.on delivery the cost of installing the machine in its desire location was 950
what is the cost if machine to be capitalised in the machinery account​

Answers

Answer:

I think its $48,950.

Explanation:

you subtract 4,000 from 52,000 which is 52,000 - 4,000 = 48,000.

then you will add that extra $950 getting you a total of $48,950.

if I'm wrong I'm sorry I'm not that good at math.

When reflecting upon the newer generation, each older generation says the same thing:

Answers

Answer:

live long boomers

Explanation:

You are a U.S. investor who purchased British securities for 2,340 pounds one year ago when the British pound cost $1.52. No dividends were paid on the British securities in the past year. Your total return based on U.S. dollars was __________ if the value of the securities is now 2,440 pounds and the pound is worth $1.61.
a. 16.7%.
b. 20.0%.
c. 12.5%.
d. n/a.

Answers

Answer:

d. n/a

Explanation:

Calculation for Your total return based on U.S. dollars

Total return=(2,440 pounds*$1.61)- (2,340 pounds*$1.52)/ (2,340 pounds*$1.52)

Total return=$3,928.4-$3,556.8/$3,556.8

Total return=$371.60/$3,556.8

Total return=0.1045*100

Total return=10.45%

Therefore Your total return based on U.S. dollars was 10.45%

Last year, Big W Company reported earnings per share of $2.70 when its stock was selling for $40.50. If its earnings this year increase by 10% and the P/E ratio remains constant, what will be the price of its stock?

Answers

Answer: $‭44.55‬

Explanation:

P/E ratio last year = Market price / Earnings per share

= 40.50/2.70

= 15

PE ratio remains constant.

Earnings increase by 10% = 2.70 * 1.10 = $‭2.97‬

15 = Market Price / 2.97

Market Price = 15 * 2.97

= $‭44.55‬

A provider of oil for home heating systems is offering $100 off its first delivery to new customers. This is an example of which sales promotion tactic?
a. Contest
b. Free gift with purchase
c. Bonuses
d. Push money

Answers

Answer:

b. Free gift with purchase

Explanation:

The promotion tactic that the provider is trying to use is a Free gift with purchase. This is because by making your first every purchase the company is basically gifting you a certain amount of money through a discount of your purchasing total. Companies tend to do this in order to attract customers through the enticement of free money or products/gifts. They are able to do this because a single purchase will make them more profit than they are wasting on the gift and can lead to recurring customers.

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