Value of a retirement annuity Personal Finance Problem An insurance agent is trying to sell you an​ annuity, that will provide you with ​$6 comma 200 at the end of each year for the next 20 years. If you​ don't purchase this​ annuity, you can invest your money and earn a return of 4​%. What is the most you would pay for this annuity right​ now? Ignoring​ taxes, the most you would pay for this annuity is

Answers

Answer 1

Answer:

The maximum to be paid= $84,260.023

Explanation:

The maximum amount to be paid is the present value of the series of annual cash inflow discounted at the opportunity cost rate of 4% per annum.

This is given in the relationship below:

PV = A ×( 1- (1+r)^(-n))/r )

A- annual amount receivable- 6,200. r-rate of return - 4%, n-number of years- 20

PV = 6,200 × ( 1 - (1+0.04)^(-20)/0.04)

= 6,200 × 13.5903

= $84,260.023

The maximum to be paid= $84,260.023


Related Questions

Tactical decisions define Group of answer choices the day-to-day activities of the organization. the goals and plans of the organization. the domain of operations managers, who are close to the customer. the steps taken to achieve the goals and objectives.

Answers

Answer:

E. the steps taken to achieve the goals and objectives.

Explanation:

Tactical decisions are the decisions made by the mid-level management in an organization, in a bid to implement the strategic plans of the director-general of the organization.  These decisions are made and implemented within a short period of time. Some tactical decisions include;

1. Structuring of workforce

2. Purchase of items and resources

3. Marketing strategies

4. Allocation of jobs to employees.

When these decisions are made by the middle-level management, they are under obligation to answer to the directors of the organization as to how these decisions were implemented.

Joe has just moved to a small town with only one golf​ course, the Northlands Golf Club. His inverse demand function is pequals 160minus2 ​q, where q is the number of rounds of golf that he plays per year. The manager of the Northlands Club negotiates separately with each person who joins the club and can therefore charge individual prices. This manager has a good idea of what​ Joe's demand curve is and offers Joe a special​ deal, where Joe pays an annual membership fee and can play as many rounds as he wants at ​$20 ​, which is the marginal cost his round imposes on the Club. What membership fee would maximize profit for the​ Club? The manager could have charged Joe a single price per round. How much extra profit does the Club earn by using​ two-part pricing? The​ profit-maximizing membership fee​ (F) is ​$nothing . ​(Enter your response as a whole​ number.)

Answers

Answer:

Club membership fee of $60 would maximize profit.

If the club charges tow part pricing the maximum revenue can be $3500.

Explanation:

Joe has entered into a monopoly because he is owner of single golf course in the Northlands.

Demand function for Joe's golf course is:

P = 160 - 2q

P = $20 , q = 50

160 - 2 (50) = 60

Consumer surplus = 0.5 * equilibrium quantity

Consumer Surplus for Joe is ; 0.5 * 50 (160 - 20) = $3500  

If MR = MC then demand function will become :

160 - 4q

If q = 25 then

160 - 4 * 25 = 60

All projects are unique:________.
Select one:
A. Therefore all project management circumstances are equally unique.
B. So knowledge should not be transferred to avoid bias in future projects.
C. So knowledge cannot be transferred.
D. But they may have several common points.

Answers

Answer:

D. But they may have several common points

Explanation:

Although all projects are unique, they still share similar similarities. So knowledge can be transferred.

Small business owners' unique selling points (also known as benefits) that customers can expect from your goods or services, including benefits that differentiate your offering from those of the competition is known as:

Answers

Answer: Value proposition

Explanation: Value proposition in business is that service, innovation, or uniqueness about your business that attracts customers. A value proposition also helps answers the question 'why' someone should do business with you. It hells to convince potential customer why they should patronize you, and why your service or product would be of more value to them than what your competitors offering same service would be able to offer them.

Agent Jennings makes a presentation on Medicare advertised as an educational event. Agent Jennings distributes materials that are solely educational in nature. However, she gives a brief presentation that mentions plan-specific premiums. Is this a prohibited activity at an event that has been advertised as educational?

Answers

Answer:

Yes it is

Explanation:

Yes. When an event has been advertised as educational, going ahead to discuss plan-specific premiums is impermissible

The event for which Mary made the presentation is clearly an educational event so she should have concentrated fully on only educational contents that pertains to the event. Giving a presentation that mentions plan-specific premiums no matter how brief is a deviation from the main focus of the event. Therefore it is impermissible for her to do so.

Your uncle lends you $2,000 less $100 (interest at 5 percent), and you receive $1,900. Use the APR formula to find the true annual percentage rate. Assume you repay the entire loan in one year

Answers

Answer:

APR =5.263%

Explanation:

Computation of the true annual percentage rate

Using the APR formula to find the true annual percentage rate

APR=(2 × n × I) / [P × (N + 1)]

Hence;

APR= (2 × 1 × $100) / [$1,900 × (1 + 1)]

APR=$200/($1,900×2)

APR=$200/$3,800

APR= 0.05263 ×100

APR =5.263%

Therefore the true annual percentage rate using the APR formula will be 5.263%

Which of the following is a community lifeline

Answers

Answer:

Safety and security

food, water, and shelter

health and medical

power and fuel

communications and transport

Explanation:

A lifeline allows business and government structures to continue to operate and is beneficial to human health and financial stability. Lifelines are perhaps the most important resources in the community that allow all other facets of society to work when balanced. The interconnected network of resources, services, and securities ( food, water, and shelter, medical care, communications facilities, etc) that provide lifeline services is used on a daily basis to facilitate the community's regularly occurring needs and give all other elements of society to perform efficiently.

Communications are the Community's lifeline. Safety and security, health and medical care, communications, hazardous materials, food, water, shelter, energy (power & fuel), and transportation are the seven community lifelines that FEMA has defined. Thus, option C is correct.

The Community Lifelines idea from the Federal Emergency Management Agency (FEMA) is a framework for event management that gives emergency managers a reporting system to swiftly stabilize a community after a disaster.

Safety and security, health and medical care, communications, hazardous materials, food, water, shelter, energy (power & fuel), and transportation are the seven community lifelines that FEMA has defined. It is a sign that lives are in danger, and daily routines and food chains are disturbed, if any of these Lifelines go down due to a disaster or emergency.

Learn more about FEMA community lifelines here:

https://brainly.com/question/16931841

#SPJ6

Your question seems to be incomplete, but most probably the complete question was:

Which of the following is a community lifeline?

a. schools and churches

b. lumber and hardware

c. grocery and fast food

d. communications

A firm considers to buy a machine in 2020. The cost of that machine is $ 5 000 000. The firm uses 5 year straight line depreciation which allows it to write off $ 1 000 000 depreciation expense each year. The firm is subject to 20% corporate tax rate. The firm's revenue in 2021 is expected to be $ 6 000 000 if the investment is not done. The revenue will be $ 9 000 000 if the investment is done. The firm's total costs (including both COGS and General&Administrative Costs) will be $ 4 000 000 if the investment is not done. The total costs will be $ 5 500 000 if the investment is done. Also the following information is given for the year 2021
Without Investment With Investment
Inventories $ 300 000 $ 500 000
Acc. Receivables $ 200 000 $ 300 000
Acc. Payables $ 100 000 $ 150 000
Given the above information, calculate the free cash flow of that investment for the years 2020 and 2021.

Answers

Answer and Explanation:

The computation of the free cash flow of the investment for the year 2020 and 2021 is shown below:

Particulars                       Case 1                     Case 2

                              Without Investment      With Investment

Add: Earnings Before

Interest and

Tax × (1 - Tax Rate)          $2,000,000          $2,500,000

Add: Non Cash Expenses $0                     $1,000,000

less: Change in

(Current Assets

- Current Liabilities)    ($400,000)         ($650,000)

Less: Capital Expenditure $0                  ($5,000,000)

Free Cash Flows               $1,600,000 ($2,150,000)

Working notes:

1.

Particulars                          Without Investment With Investment

Revenue for the Year 2021     $6,000,000          $9,000,000

Less: Cost of Goods Sold     $4,000,000           $5,500,000

(-) Depreciation                      $0                                 $1,000,000

Earnings Before

Interest and Tax                         $2,000,000                $2,500,000

Tax Savings on Depreciation

(Depreciation × 20%)                  $0                               $200,000

2.

Current Assets               Without Investment          With Investment

Inventories                        $300,000                         $500,000

Accounts Receivable       $200,000                          $300,000

Total                                  $500,000                          $800,000

(Less: Current Liabilities)  

Accounts Payable               $100,000                       $150,000

Less: Change in

(Current Assets

- Current Liabilities)            $400,000                       $650,000

Record adjusting journal entries 100 of the following for year ended December 31
Assume no other adjusting entries are made during the year

Salaries Payable.: At year-end, salaries expense of $24,000 has been incurred by the company, but is not yet paid to employees.
Interest Payable: At its December 31 year-end, the company owes $675 of interest on a line-of-credit loan. That interest will not be paid until sometime in January of the next year.
Interest Payable: At its December 31 year-end, the company holds a mortgage payable that has incurred $1,300 in annual interest that is neither recorded nor paid. The company intends to pay the interest on January 7 of the next year.

Answers

Answer:

Salaries Payable :

Salaries Expense $24,000 (debit)

Salaries Payable $24,000 (credit)

Interest Payable:

Interest Expense $675 (debit)

Interest Payable $675 (credit)

Interest Payable:

Interest Expense $1,300 (debit)

Interest Payable $1,300 (credit)

Explanation:

When an amount is incurred but is deferred to another period for payment, a liability is recognized.

A liability is a present legal obligation arising from a past event, the settlement of which will result in outflow of economic benefits (Cash) from the entity.

One-year Treasury securities yield 4%. The market anticipates that 1-year from now 1-year Treasury securities will yield 2.1%. If the pure expectations theory is correct, what should be the yield today for 2-year Treasury securities? Write your answer as a percentage, i.e. for example write 8% as 8.

Answers

Answer:

3.05%

Explanation:

According to Pure Expectation Theory, the future short term interest rates are actually the forward rates.

Mathematically,

(1 + r2,0)^2 = (1 + r1,0)^1 * (1 + r1,1)^1

Here,

r2,0 is the rate of interest for 2 year treasury security from today

r1,0 is the rate of the interest for 1 year treasury security from today

r1,1 is the rate of the interest for 2 year treasury security from Year 1

By Putting Values, we have:

(1 + r2,0)^2 = (1 + 0.04)^1 * (1 + 0.021)^1

(1 + r2,0)^2 = 1.06184

By taking square-root on both sides, we have:

(1 + r2,0) = 1.0305

r2,0 = 3.05%

Pastina Company sells various types of pasta to grocery chains as private label brands. The company's reporting year-end is December 31. The unadjusted trial balance as of December 31, 2021, appears below.
Account Title Debits Credits
Cash 32,000
Accounts receivable 40,600
Supplies 1,800
Inventory 60,600
Notes receivable 20,600
Interest receivable 0
Prepaid rent 1,200
Prepaid insurance 6,600
Office equipment 82,400
Accumulated depreciation 30,900
Accounts payable 31,600
Salaries payable 0
Notes payable 50,600
Interest payable 0
Deferred sales revenue 2,300
Common stock 64,200
Retained earnings 30,000
Dividends 4,600
Sales revenue 149,000
Interest revenue 0
Cost of goods sold 73,000
Salaries expense 19,200
Rent expense 11,300
Depreciation expense 0
Interest expense 0
Supplies expense 1,400
Insurance expense 0
Advertising expense 3,300
Totals 358,600 358,600
Information necessary to prepare the year-end adjusting entries appears below.
Depreciation on the office equipment for the year is $10,300.
Employee salaries are paid twice a month, on the 22nd for salaries earned from the 1st through the 15th, and on the 7th of the following month for salaries earned from the 16th through the end of the month. Salaries earned from December 16 through December 31, 2021, were $900.
On October 1, 2021, Pastina borrowed $50,600 from a local bank and signed a note. The note requires interest to be paid annually on September 30 at 12%. The principal is due in 10 years.
On March 1, 2021, the company lent a supplier $20,600 and a note was signed requiring principal and interest at 8% to be paid on February 28, 2022.
On April 1, 2021, the company paid an insurance company $6,600 for a two-year fire insurance policy. The entire $6,600 was debited to prepaid insurance.
$560 of supplies remained on hand at December 31, 2021.
A customer paid Pastina $2,300 in December for 900 pounds of spaghetti to be delivered in January 2022. Pastina credited deferred sales revenue.
On December 1, 2021, $1,200 rent was paid to the owner of the building. The payment represented rent for December 2021 and January 2022 at $600 per month. The entire amount was debited to prepaid rent.
Required:
1. Prepare an income statement and a statement of shareholders’ equity for the year ended December 31, 2021, and a classified balance sheet as of December 31, 2021. Assume that no common stock was issued during the year and that $4,600 in cash dividends were paid to shareholders during the year.
2. Prepare the statement of shareholders' equity for the year ended December 31, 2021.
3. Prepare the classified balance sheet for the year ended December 31, 2021. (Amounts to be deducted should be indicated by a minus sign.)

Answers

Answer:

Adjusting entries

Depreciation on the office equipment for the year is $10,300.

Dr Depreciation expense 10,300

    Cr Accumulated depreciation 10,300

Employee salaries are paid twice a month, on the 22nd for salaries earned from the 1st through the 15th, and on the 7th of the following month for salaries earned from the 16th through the end of the month. Salaries earned from December 16 through December 31, 2021, were $900.

Dr Wages expense 900

    Cr Wages payable 900

On October 1, 2021, Pastina borrowed $50,600 from a local bank and signed a note. The note requires interest to be paid annually on September 30 at 12%. The principal is due in 10 years.

Dr Interest expense 1,518

    Cr Interest payable 1,518

On March 1, 2021, the company lent a supplier $20,600 and a note was signed requiring principal and interest at 8% to be paid on February 28, 2022.

Dr Interest receivable 1,373

    Cr Interest revenue 1,373

On April 1, 2021, the company paid an insurance company $6,600 for a two-year fire insurance policy. The entire $6,600 was debited to prepaid insurance.

Dr Insurance expense 2,475

    Cr Prepaid insurance 2,475

$560 of supplies remained on hand at December 31, 2021.

Dr Supplies expense 1,240

    Cr Supplies 1,240

A customer paid Pastina $2,300 in December for 900 pounds of spaghetti to be delivered in January 2022. Pastina credited deferred sales revenue.

No entry is required

On December 1, 2021, $1,200 rent was paid to the owner of the building. The payment represented rent for December 2021 and January 2022 at $600 per month. The entire amount was debited to prepaid rent.

Dr Rent expense 600

    Cr Prepaid rent 600

             Pastina Company

             Income Statement

For the Year Ended December 31, 2021

Sales revenue $149,000

Interest revenue $1,373

Cost of goods sold -$73,000

Salaries expense -$20,100

Rent expense -$11,900

Depreciation expense -$10,300

Interest expense -$1,518

Supplies expense -$2,640

Insurance expense -$2,475

Advertising expense -$3,300

Net income = $25,140

             Pastina Company

               Balance Sheet

For the Year Ended December 31, 2021

Assets

Current assets:

Cash $32,000

Accounts receivable $40,600

Supplies $560

Inventory $60,600

Notes receivable $20,600

Interest receivable $1,373

Prepaid rent $600

Prepaid insurance $4,125

Total current assets: $160,458

Non-current assets:

Office equipment $82,400

Accumulated depreciation $41,200

Total non-current assets: $41,200

Total assets: $201,658

Liabilities and stockholders' equity

Current liabilities:

Accounts payable $31,600

Wages payable $900

Interest payable $1,518

Deferred sales revenue $2,300

Total current liabilities: $36,318

Long term debt:

Notes payable $50,600

Total long term debt: $50,600

Total liabilities: $86,918

Stockholders' equity:

Common stock $64,200

Retained earnings $50,540

Total stockholders' equity: $114,740

Total liabilities and stockholders' equity: $201,658

retained earnings = previous balance + net income - dividends = $30,000 + $25,140 - $4,600 = $50,540

                          Pastina Company

             Statement of Shareholders’ Equity

          For the Year Ended December 31, 2021

Balance on January 1: Common stock            $64,200

Balance on January 1: Retained earnings       $30,000

Net income 2021                                                $25,140

- Dividends                                                         ($4,600)

Subtotal                                                              $50,540

Balance on December 31: Common stock      $64,200

Balance on December 31: Retained earnings $50,540

Fill in the missing numbers for the following income statement. (Do not round intermediate calculations.)

Sales $668,600
Cost 431,300
Depreciation 103,700
EBIT
Taxes (24%)
Net Income

a. Calculate the OCF. (Do not round intermediate calculations.)
b. What is the depreciation tax shield?

Answers

Answer:

a. $205,236

b. $24,888

Explanation:

a. The computation of OCF is shown below:-

EBIT = Sales - Cost - Depreciation

= $668,600 - $431,300 - $103,700

= $133,600

Net income = EBIT - Taxes

= $133,600 - ($133,600 × 24%)

= $133,600 - $32,064

= $101,536

Operating cash flow = EBIT - Taxes + Depreciation

= $133,600 - $32,064 + $103,700

= $205,236

b. The computation of depreciation tax shield is shown below:-

Depreciation tax shield = Depreciation × Tax

= $103,700 × 24%

= $24,888

Jayne Butterfield, a single mother with three children, lived in Sacramento, California. Sarah Huckleberry also lived in California until she moved to New York City to open and operate an art gallery. Huckleberry asked Butterfield to manage the gallery under a one-year contract for an annual salary of $90,000. To begin work, Butterfield relocated to New York. As part of the move, Butterfield transferred custody of her children to her husband, who lived in London, England. In accepting the job, Butterfield also forfeited her husband's alimony and child-support payments, including unpaid amounts of nearly $45,000. Before Butterfield started work, Huckleberry repudiated the contract. Unable to find employment for more than an annual salary of $30,000, Butterfield moved to London to be near her children. She filed a suit in an California state court against Huckleberry, seeking damages for breach of contract. Should the court hold, as Huckleberry argued, that Butterfield did not take reasonable steps to mitigate her damages? Why or why not?

Answers

Answer:

No, the court should not hold in favor of Huckleberry.

Explanation:

The rule of mitigation that Huckleberry tries to use in her favor states that the non-breaching party (Butterfield) should have taken all the necessary steps to reduce her loss, e.g. take a job in New York. She probably argued that Butterfield leaving for England to meet with her children made things worse.

But in this case, Butterfield relied on Huckleberry's promise to organize her life and the well being of her children. Butterfield made a lot of changes and sacrifices in her life because of this, e.g. forfeiting unpaid alimony, transferring custody of her children , etc.

Moving to a different city or country requires a lot of work, expat life is not easy and not everyone can handle it. Butterfield took decisions that affected the lives of many people and she is not responsible for Huckleberry's breaching, the only party responsible for all this mess is Huckleberry and it is normal that Butterfield would want to go to where her children are.

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