资源描述：
《兹维博迪金融学第二版试题库5tb(1)》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。
1、-ChapterFiveHouseholdSavingsandInvestmentDecisionsThischaptercontains28multiplechoicequestions,10shortproblems,and9longerproblems.MultipleChoice1.Gettingaprofessionaldegreecanbeevaluatedas________.a)asocialsecuritydecisionb)aninvestmentinhumancapitalc)aninvestmentinaconsumerdurabled)ataxexempt
2、decisionAnswer:(b)2.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandinvest$10,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpayingtaxes?a)$51,445b)$64,000c
3、)$80,501d)$100,627Answer:(c)3.Supposeyouwillfaceataxrateof20%beforeandafterretirement.Theinterestrateis8%.Youare30yearsbeforeyourretirementdateandhave$10,000toinvest.Ifyouinvestthisinanordinarysavingsplaninsteadofataxdeferredretirementplan,whatamountwillyouhaveaccumulatedatretirement?a)$51,445
4、b)$64,000c)$80,501d)$100,627Answer:(a).-Whenyourtaxrateremainsunchanged,thebenefitoftaxdeferralcanbesummarizedintherule,“deferralearnsyou________.”a)theafter-taxrateofreturnbeforetaxb)thepretaxrateofreturnaftertaxc)theafter-taxrateofreturnaftertaxd)thepretaxrateofreturnbeforetaxAnswer:(b)1.Fro
5、maneconomicperspective,professionaltrainingshouldbeundertakenifthe________exceedsthe________.a)futurevalueofthebenefit;presentvalueofthecostsb)presentvalueofthebenefits;futurevalueofthecostsc)futurevalueofthebenefits;futurevalueofthecostsd)presentvalueofthebenefits;futurevalueofthecostsAnswer:
6、(d)2.Supposeyouwillfaceataxrateof30%beforeandafterretirement.Theinterestrateis6%.Youare35yearsbeforeyourretirementdateand$2,000toataxdeferredretirementplan.Ifyouchoosetowithdrawthetotalaccumulatedamountatretirement,whatwillyoubeleftwithafterpayingtaxes?a)$7,532b)$10,760c)$12,298d)$15,372Answer
7、:(b)3.Keciaiscurrentlythirtyyearsoldandsheplanstoretireatagesixty.Sheisexpectedtolivetoageeighty-five.Herlaborincomeis$45,000peryearandsheintendstomaintainaconstantlevelofrealconsumptionspendingoverthenextfifty-fiveyears.Assumingarealin
