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兹维博迪金融学第二版试题库5TBVIP免费

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-.ChapterFiveHouseholdSavingsandInvestmentDecisionsThischaptercontains28multiplechoicequestions,10shortproblems,and9longerproblems.MultipleChoice1.Gettingaprofessionaldegreecanbeevaluatedas________.a)asocialsecuritydecisionb)aninvestmentinhumancapitalc)aninvestmentinaconsumerdurabled)ataxexemptdecisionAnswer:(b)2.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandinvest$10,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpayingtaxes?a)$51,445b)$64,000c)$80,501d)$100,627Answer:(c)3.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandhave$10,000toinvest.Ifyouinvestthisinanordinarysavingsplaninsteadofataxdeferredretirementplan,whatamountwillyouhaveaccumulatedatretirement?a)$51,445b)$64,000c)$80,501d)$100,627Answer:(a)-.4.Whenyourtaxrateremainsunchanged,thebenefitoftaxdeferralcanbesummarizedintherule,“deferralearnsyou________.”a)theafter-taxrateofreturnbeforetaxb)thepretaxrateofreturnaftertaxc)theafter-taxrateofreturnaftertaxd)thepretaxrateofreturnbeforetaxAnswer:(b)5.Fromaneconomicperspective,professionaltrainingshouldbeundertakenifthe________exceedsthe________.a)futurevalueofthebenefit;presentvalueofthecostsb)presentvalueofthebenefits;futurevalueofthecostsc)futurevalueofthebenefits;futurevalueofthecostsd)presentvalueofthebenefits;futurevalueofthecostsAnswer:(d)6.Supposeyouwillfaceataxrateof30%beforeandafterretirement.Theinterestrateis6%.Youare35yearsbeforeyourretirementdateand$2,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpayingtaxes?a)$7,532b)$10,760c)$12,298d)$15,372Answer:(b)7.Keciaiscurrentlythirtyyearsoldandsheplanstoretireatagesixty.Sheisexpectedtolivetoageeighty-five.Herlaborincomeis$45,000peryearandsheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfifty-fiveyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofKecia’shumancapital?a)$31,797b)$35,196c)$778,141d)$994,888Answer:(c)-.8.Keciaiscurrentlythirtyyearsoldandsheplanstoretireatagesixty.Sheisexpectedtolivetoageeighty-five.Herlaborincomeis$45,000peryearandsheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfifty-fiveyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofKecia’spermanentincome?a)$31,797b)$35,196c)$778,141d)$994,888Answer:(b)9.Oscariscurrentlythirty-fiveyearold,planstoretireatagesixty-five,andtolivetoageeighty-five.Hislaborincomeis$40,000peryear,andheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfiftyyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofOscar’shumancapital?a)$884,344b)$691,681c)$39,999d)$32,198Answer:(b)10.Oscariscurrentlythirty-fiveyearold,planstoretireatagesixty-five,andtolivetoageeighty-five.Hislaborincomeis$40,000peryear,andheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfiftyyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofOscar’spermanentincome?a)$884,344b)$691,681c)$39,999d)$32,198Answer:(d)-.11.Youarecurrentlyrentingahousefor$12,000peryear,andyoualsohavea...

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兹维博迪金融学第二版试题库5TB

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