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1、ChapterFiveHouseholdSavingsandInvestmentDecisionsThischaptercontains28multiplechoicequestions,10shortproblems,and9longerproblems.MultipleChoice1.Gettingaprofessionaldegreecanbeevaluatedas________.a)asocialsecuritydecisionb)aninvestmentinhumancapitalc)aninvestmentinaconsumerdurable
2、d)ataxexemptdecisionAnswer:(b)2.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandinvest$10,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpaying
3、taxes?a)$51,445b)$64,000c)$80,501d)$100,627Answer:(c)3.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandhave$10,000toinvest.Ifyouinvestthisinanordinarysavingsplaninsteadofataxdeferredretirementplan,whatamountwillyo
4、uhaveaccumulatedatretirement?a)$51,445b)$64,000c)$80,501d)$100,627Answer:(a)5-20Whenyourtaxrateremainsunchanged,thebenefitoftaxdeferralcanbesummarizedintherule,“deferralearnsyou________.”a)theafter-taxrateofreturnbeforetaxb)thepretaxrateofreturnaftertaxc)theafter-taxrateofreturnaf
5、tertaxd)thepretaxrateofreturnbeforetaxAnswer:(b)1.Fromaneconomicperspective,professionaltrainingshouldbeundertakenifthe________exceedsthe________.a)futurevalueofthebenefit;presentvalueofthecostsb)presentvalueofthebenefits;futurevalueofthecostsc)futurevalueofthebenefits;futurevalue
6、ofthecostsd)presentvalueofthebenefits;futurevalueofthecostsAnswer:(d)2.Supposeyouwillfaceataxrateof30%beforeandafterretirement.Theinterestrateis6%.Youare35yearsbeforeyourretirementdateand$2,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,
7、whatwillyoubeleftwithafterpayingtaxes?a)$7,532b)$10,760c)$12,298d)$15,372Answer:(b)3.Keciaiscurrentlythirtyyearsoldandsheplanstoretireatagesixty.Sheisexpectedtolivetoageeighty-five.Herlaborincomeis$45,000peryearandsheintendstomaintainaconstantlevelofrealconsumptionspendingoverthen
8、extfifty-fiveyears.Assumingareali
