兹维博迪金融学第二版试题库5TB (1)Word文档下载推荐.doc
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兹维博迪金融学第二版试题库5TB (1)Word文档下载推荐.doc
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a)asocialsecuritydecision
b)aninvestmentinhumancapital
c)aninvestmentinaconsumerdurable
d)ataxexemptdecision
Answer:
(b)
2.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandinvest$10,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpayingtaxes?
a)$51,445
b)$64,000
c)$80,501
d)$100,627
(c)
3.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandhave$10,000toinvest.Ifyouinvestthisinanordinarysavingsplaninsteadofataxdeferredretirementplan,whatamountwillyouhaveaccumulatedatretirement?
(a)
4.Whenyourtaxrateremainsunchanged,thebenefitoftaxdeferralcanbesummarizedintherule,“deferralearnsyou________.”
a)theafter-taxrateofreturnbeforetax
b)thepretaxrateofreturnaftertax
c)theafter-taxrateofreturnaftertax
d)thepretaxrateofreturnbeforetax
5.Fromaneconomicperspective,professionaltrainingshouldbeundertakenifthe________exceedsthe________.
a)futurevalueofthebenefit;
presentvalueofthecosts
b)presentvalueofthebenefits;
futurevalueofthecosts
c)futurevalueofthebenefits;
d)presentvalueofthebenefits;
(d)
6.Supposeyouwillfaceataxrateof30%beforeandafterretirement.Theinterestrateis6%.Youare35yearsbeforeyourretirementdateand$2,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpayingtaxes?
a)$7,532
b)$10,760
c)$12,298
d)$15,372
7.Keciaiscurrentlythirtyyearsoldandsheplanstoretireatagesixty.Sheisexpectedtolivetoageeighty-five.Herlaborincomeis$45,000peryearandsheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfifty-fiveyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofKecia’shumancapital?
a)$31,797
b)$35,196
c)$778,141
d)$994,888
8.Keciaiscurrentlythirtyyearsoldandsheplanstoretireatagesixty.Sheisexpectedtolivetoageeighty-five.Herlaborincomeis$45,000peryearandsheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfifty-fiveyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofKecia’spermanentincome?
9.Oscariscurrentlythirty-fiveyearold,planstoretireatagesixty-five,andtolivetoageeighty-five.Hislaborincomeis$40,000peryear,andheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfiftyyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofOscar’shumancapital?
a)$884,344
b)$691,681
c)$39,999
d)$32,198
10.Oscariscurrentlythirty-fiveyearold,planstoretireatagesixty-five,andtolivetoageeighty-five.Hislaborincomeis$40,000peryear,andheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfiftyyears.Assumingarealinterestrateof4%peryear,notaxes,andnogrowthinreallaborincome,whatisthevalueofOscar’spermanentincome?
11.Youarecurrentlyrentingahousefor$12,000peryear,andyoualsohaveanoptiontobuyitfor$240,000.Maintenanceandpropertytaxesareestimatedtobe$4,320,andthesecostsareincludedinyourrent.Propertytaxes($2,880ofthe$4,320)aredeductibleforincometaxpurposes.Yourtaxrateis35%.Youwishtoprovideyourselfwithhousingatthelowestpresentvalueofcost.Iftherealafter-taxrateis2.52%,shouldyourentorbuy?
a)rentthehouse;
thePVcostofrentingis$476,190
b)rentthehouse;
thePVcostofrentingis$309,524
c)buythehouse;
thePVcostofowningis$442,198
d)buythehouse;
thePVcostofowningis$371,429
12.Youarecurrentlyrentingahousefor$12,000peryearandyoualsohaveanoptiontobuyitfor$240,000.Maintenanceandpropertytaxesareestimatedtobe$4,320,andthesecostsareincludedinyou
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