Employee's gross pay is their compensation before taxes, benefits, and other payroll deductions are subtracted. After all, withholdings are removed, net pay, also known as take-home pay, is the amount left over.
What are Gross pay and Net pay?The gross pay of an employee is the amount earned before taxes, benefits, and other payroll deductions are removed from their compensation. Net pay is the amount left over after all withholdings are removed.
Your net salary, often known as your take-home pay, is the amount of money you get after all deductions. The CTC is reduced by income tax, professional tax, Public Provident Fund (PPF), and other deductions. The net wage is frequently lower than the gross wage.
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What things might limit the supply in this situation?
Price, the number of providers, the level of technology, government subsidies, climatic conditions, and the availability of labor to create the commodity are some of the variables that will affect supply.
What are the limitation of supply?Even though the price level is extremely low, the seller will attempt to sell more if he anticipates that the price of the commodity would decline in the near future. On the other hand, even if the price level is high, the seller will not make any more sales if he anticipates a future increase in the price of the product. It goes against supply-side economics.
Demand and supply analysis in the economy has its limitations. For instance, the study makes the assumption that other economic parameters will remain constant. Furthermore, it suggests that the demand and supply analysis cannot be applied to the economy if the variables are not constant.
Thus, Price, the number of providers, the level of technology, government subsidies are some of the variables that will impact supply.
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28. suppose 160 million people are employed, 15 million people are unemployed, and the working-age population is 280 million people. what is the unemployment rate?
13.3percent. Unemployment Rate: the proportion of unemployed people in the labor force as a whole.
We are aware that the number of jobless people equals the labor force minus the number of those who are employed.
150 million - 130 million people are unemployed.
Number of jobless people = 20 million
Therefore, the unemployment rate is calculated as follows: Unemployment rate = (20 million / 150 million) * 100.
13.3% is the unemployment rate.
The population of people over the age of 16 who are working or looking for new chances in the economy is referred to as the labor force in economics. As a result, both working and jobless workers are included. Number of employed people/Population in the working age range multiplied by 100 equals the percentage of employed people.
Unemployment rate as a proportion of the working-age population multiplied by 100.
Total number of unemployed people divided by the total number of people working
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garden corp. just paid $4.25 dividends and the dividends should continue to grow at 6% to infinity. how much is a fair price for their stock given that investors require 13% returns?
Starting four years from now, the corporation intends to begin paying a two-year dividend of $0.40 per share. Following that, the business intends to continue paying an annual dividend of $0.75 per share indefinitely.
The dividends are anticipated to increase perpetually at a fixed rate of 8% per year. The dividend growth model is only valid if the dividend growth rate eventually outpaces the stock's needed return.
The corporation will stop paying dividends whenever the amount reaches zero and shut down. Given the state of the company, you need to get an 18% return on this particular stock.
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which statement most directly summarizes the main point and reminds the interviewer of your interest in the job and shows good manners?
The statement "I am certain that with my experience, fascination with the insurance industry, and can-do attitude, I will be an enormous asset to Mercer" summarizes the main point and reminds the interviewer of your interest in the job and shows good manners. Thus, option 'B' is the correct option.
What are 'interests' in a job?Your choices for work activities and settings are reflected in your career interests. You may make a better educated and smart career selection by determining your professional interests. They might include pastimes, athletic endeavors, creative endeavors, free time, volunteer work, cultural interests, spiritual practices, conventional activities, educational endeavors, and personal growth.
In the letter of interest, emphasize your relevant skills and professional experience. Your letter of interest should end with a strong call to action.
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Probably options are:
A. After learning more about Mercer's commitment to its employees, I am even more eager to join the team.
B. I am certain that with my experience, fascination with the insurance industry, and can-do attitude, I will be an enormous asset to Mercer.
C. Speaking with members of the Claims Department about their jobs, I became convinced that my prior experience and practical analytical skills could help me immediately contribute to the Mercer team.
tegrated potato chips just paid a $1 per share dividend. you expect the dividend to grow steadily at a rate of 4% per year. what is the expected dividend in each of the next 3 years? if the discount rate for the stock is 12%, at what price will the stock sell? what is the expected stock price 3 years from now? if you buy the stock and plan to sell it 3 years from now, what are your expected cash flows in (i) year 1; (ii) year 2; (iii) year 3? what is the present value of the stream of payments you found in part (d)?
The expected dividend in each of the next 3 years. First year = 1.04 , second year = 1.08 , third year =1.12
What is a dividend?A dividend is a way for a corporation to share or distribute its profits to its shareholders. When a firm typically gives its shareholders cash or equity. For instance, if a business generates a net profit and shares the money with investors, it can subsequently decide to charge shareholders a certain amount as a dividend.
Given:
Dividend of per share is $1.
Grow rate per year is 4% .
Expected dividend in next 3 year is:
First year dividend is:
first year dividend= per share × growth per year = 1 × 104/100 = 1.04
Second year dividend is:
second year dividend = per share × growth per year = 1.04 × 104/100 = 1.08
Third year dividend is:
third year dividend = per share × growth per year = 1.08 × 104/100 = 1.12
What price will the stock sell?Stock sell price is:
price = dividend1 /discount − growth
price = 1.04 / 0.12 − 0.04
price = 13
What are your expected cash flows?Stock price for third year:
price = dividend4 / growth−discount = 1×(1.04)4 /0.12−0.04
price = 1.169 / 0.08
price = 14.62
What is the present value of the stream of payments you found in part (d)?Payment = sum of dividend
payment = (1.04+1.08+1.12)
payment = 3.24
Present value of payment is:
Persent value of payment = 1.04 / (1+1.02) + 1.08 / (1+1.02)2 + 1.12 / (1+1.02)3
Present value of payment = 2.59
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After exp-1200 ha diagnoed the battery i in need of replacement what are the conideration you need to be aware of to ell your cutomer the proper battery
Battery usage before the "Optimum If Used By" date yields the best consumer experience and performance. The battery might still work after that date, but it would perform worse.
What is the expiration date for the battery?Lithium batteries normally only have a shelf life of 10 to 12 years, despite some manufacturers' claims that some versions will last up to 20 years. Alkaline batteries typically last 5 to 10 years on the shelf. Only three to five years are the maximum storage life of carbon zinc batteries.
Battery degradation is caused by what?An internal chemical reaction produces electricity within a battery, which is a chemical product. When the battery's recommended usage period has passed, its components will start to degrade, which will reduce its performance. Consequently, the battery has a use-by date.
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Which of the following is the best example of competing on the basis of differentiation? O A firm manufactures its product with less raw material waste than its competitors do. O A firm's products are introduced into the market faster than its competitors' products are. O A firm's distribution network routinely delivers its product on time. O A firm offers more reliable products than its competitors do. O A firm advertises more than its competitors do.
A firm offers more reliable products than its competitors do is the best example of competing on the basis of differentiation.
What is differentiation strategy?Increasing competitive advantage is the key goal of implementing a differentiation strategy.
By offering customers something distinctly different from what their competitors could be offering in the market, businesses can draw in customers via a differentiation approach.
A company will often do this by taking stock of its advantages and disadvantages, consumer needs, and overall value proposition.
A corporation may employ either a broad differentiation strategy or a specialized differentiation strategy, which are the two basic categories of differentiation strategies.
The goal of a broad differentiation strategy is to create a brand or company that stands apart from the competition.
It is used in the sector and will be appealing to a wide range of customers.
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b. what is free cash flow (fcf)? what is the weighted average cost of capital? what is the free cash flow valuation model?
In corporate finance, free cash flow (FCF) or free cash flow to the firm (FCFF) is the amount through which a business's operating cash flow exceeds its running capital wishes and expenditures on the fixed property (referred to as capital expenditures). it is that part of cash flow that may be extracted from a corporation and allotted to lenders and securities holders without causing troubles in its operations. As such, it's miles an indicator of an organization's financial flexibility and is of interest to holders of the company's equity, debt, preferred stock, and convertible securities, as well as ability creditors and buyers.
Free cash flow can be calculated in diverse approaches, relying on the target market and available data. A commonplace degree is to take the income before interest and taxes, upload depreciation and amortization, after which subtract taxes, changes in operating capital, and capital expenditure. relying on the target audience, a number of refinements and changes will also be made to attempt to do away with distortions.
Free cash flow may be excluded from net earnings, as free coins flow takes into consideration the acquisition of capital items and modifications in operating capital.
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which account is credited in an adjusting entry to record depreciation on machinery? multiple choice question. cash machinery accumulated depreciation depreciation expense
Accumulated depreciation account is credited in an adjusting entry to record depreciation on machinery.
The total amount of depreciation applied to an asset up to a particular point is known as accumulated depreciation. The beginning cumulative depreciation balance is increased with each period's depreciation expense. In the balance sheet, an asset's carrying value is determined by subtracting its accumulated depreciation from its historical cost. An asset's carrying value on the balance sheet will correspond to its salvage value at the end of its useful life.
According to generally accepted accounting principles (GAAP), the matching principle requires that expenses be allocated to the same accounting period during which the relevant revenue is realised. A business will deduct a portion of an asset's value through depreciation over the course of each year of its useful life.
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this is your first time running a video action campaign. what approach to bidding strategy should you implement to get optimal results?
If you run video ads and want to increase views or interactions with your ads,you can use cost-per-view (CPV) or cost-per-thousand impressions (CPM) bidding.
If you run video ads and your goal is to increase product or brand consideration,you can use cost per view (CPV).Start with cost-per-view bidding to establish CPV performance,then move to Maximize Conversions to capture more conversions at the desired time.Manual bidding at the ad group level,by contrast,places the same bid on all keywords or placements within that ad group.This is typically the best bid strategy for new advertisers,new accounts,or new campaigns.The lowest cost offer is ideal for campaigns where you want to get a high volume of results in a short amount of time.If you're targeting brand awareness,reach,or video views, then lower-cost bids will help you get a lot of eyes on your ads.
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Alicia has a collision deductible of $500 and a bodily injury liability coverage limit of $50,000. she hits another driver and injures them severely. the case goes to trial and there is a verdict to compensate the injured person for $40,000
a. how much does alicia have to pay?
b. how much does her insurance pay?
Just before the accident, alicia actually reduced her policy from $50,000 to $25,000.
a. how much does alicia have to pay?
b. how much does her insurance pay?
Alicia's compensation is $500, and Insurance's pay is $495,000.Part two: Alicia's compensation is $25,000 and Insurance's pay is $25,000
What are some instances of policies?A policy is a deliberate set of guidelines intended to control behavior and yield reasonable outcomes. A plan is a statement of desire that is carried thru a procedure or approach. Typically, a company's steering committee establishes policies. Policies can help both attitudinal choices.
What does policy serve to accomplish?Policies are the product of all that occurred earlier in the hierarchy, and combined with the law, they include vision, values, and organizational intent. Policies define criteria, or restrictions, for the activities and behaviors necessary to attain those objectives in a more detailed than strategic objectives.
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your bookstore charges 2% per month on your unpaid balance. you charge $452.75 for books. you do not pay the bill until 2 months have passed after the first billing. what is the bill that you owe after 2 months of accumulated interest? (round your answer to the nearest cent.)
$530.4686 is the bill that you owe after 2 months of accumulated interest.
The books cost $452.75 in total. On the outstanding balance, the bookshop assesses a 2% monthly fee. The sum is not paid until eight months have passed since the initial charge.
Using the future value calculation, the balance due after 8 months can be determined. The present value will be $452.75, the interest rate will be 2%, and there will be 8 months between each period. Calculate the future value accordingly:
Future value = Present value (1+Rate)
=$452.75x(1+2%)
= $452.75x1.171659
=$530.4686
Thus, the amount owed after 2 months of accumulated interest is $530.4686.
The amount of money that has to be invested in order to accomplish a particular future goal is called the present value. Future value is the financial amount that will grow over time if the initial investment is made. The amount you must invest in order to obtain the future worth is called the present value.
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people enjoy water skiing and surfing equally well in the macro islands. if the water ski factory burned down, how would the market for water skis be affected?
People enjoy water skiing and surfing equally well in the macro islands. if the water ski factory burned down, the market for water skis be affected as
No Change in Demand Decrease in SupplyIncrease in Price Decrease in QuantityWe assume that ski and ski ropes are complementary goods and thus with an increase in price of one will affect the market for the other.
We also know that the cross elasticity of demand is negative for complements.
So an increase in the price of water skis, the rope market will have the following effect.
Demand will fall as the demand for waster ski will also fall given a rise in price.
Supply will be unchanged as there is no variable that affects supply directly.
Price will fall since the quantity demanded for ropes and water skis will have fallen.
Quantity supplied and demanded in the market will fall as a new lower equilibrium is set.
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Complete Question is -
People enjoy water skiing and surfing equally well in the Macro Islands. If the price of water skis increased drastically, how would the ski rope market be affected?Demand / Supply / Price / Quantitya) Increase / Decrease / Decrease / Increase b) Increase / No Change / Increase / Increase c) No Change / Decrease / Decrease / Decrease d) Decrease / No Change / Decrease / Decrease e) Decrease / Increase / Increase / Decrease
are mass media interests in the united states are privately owned, and run for the exclusive purpose of generating a profit. question 24 options: true false
True, Television, radio, film, newspapers, magazines, and websites make up US mass media. U.S. music is also strong. U.S. media centers are in Manhattan and Los Angeles.
Large for-profit corporations profit from advertising, subscriptions, and copyrighted material in many media outlets. American media conglomerates generate huge revenues and worldwide opposition. The 1996 Telecommunications Act has led to mega-mergers, media ownership concentration, and global media conglomerates.
Mergers improve information control. Five companies control 90% of media. Critics say media concentration has hurt localism, local news and other community material, media spending and coverage, and diversity of ownership and perspectives.
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the private benefit is ________, while the social benefit is ________.
The private benefit is Benefit received by the consumer of a good or service, while the social benefit is total benefit from consuming a good or service, including both the private benefit and external benefit.
The private benefit is the benefit that is received by the consumer of service or goods. For example, if you are using public transport, the private benefit for you is that you are traveling from one city to another at a lower cost than traveling on private transport. In this scenario, the benefit you received is a private benefit.
While the social benefit is the total benefit including private and external benefit that you receive using goods or services. For example, public transport, health insurance are examples of social benefits.
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the team's engagement score was 4.2 this month. the score has been improving at a rate of 8% per month. what was the score 4 months ago?
The team's score 4 months ago was 3.087, and has been improving at a rate of 8% per month to get 4.2 score this month.
What does the rate of increase mean?The term "rate of change" refers to the rate at which one quantity changes with respect to another. The dependent variable y must be present if the independent variable x is. rate of change = y- and x-fold change. Change rates may be positive or negative.
The difference, that is increase between the two values you are comparing must first be determined in order to determine the rate of increase. Divide the increase by the starting amount, and then multiply the result by 100. % growth = Growth 100 Original Number. A percentage rise is an amount by which a percentage has increased over time.
Assume the score 4 months ago was x.
Given:
Current score = x × ( 1 + rate) ^ number of months
4.20= x(1+8%)^4
4.20 = x(1.3605)
x= 4.20/1.3605
x= 3.087
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cash equivalents by definition a.are expected to be converted to cash within 3 months. b.are long-term investments. c.will be converted to cash within 1 year. d.are a comparison of cash and liabilities.
The line item on the balance sheet that shows the value of a company's assets that are cash or can be instantly turned into cash is referred to as cash and cash equivalents.
Bank accounts and marketable securities, or debt securities with maturities of fewer than 90 days, are examples of cash equivalents. However, because equity and stock assets can fluctuate in value, cash equivalents frequently do not include them.
The line item on the balance sheet that shows the value of a company's assets that are cash or can be instantly turned into cash is referred to as "cash and cash equivalents."
Bank accounts and marketable securities like commercial paper and short-term government bonds are examples of cash equivalents.
The maturities of cash equivalents should be three months or fewer.
Because cash equivalents must also be able to be converted into cash, their markets are frequently active.
A business keeps cash and cash equivalents on hand to cover short-term expenses while also preserving funds for long-term capital investments.
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does the fractional reserve system regulates the proportion of loans that must have a low risk of default.
Fractional reserve banking permits banks to use funds (i.e., the bulk of deposits) that would be otherwise unused and idle to generate returns in the form of interest rates on new loans.
Fractional Reserve Banking refers to the coverage that calls for banks to keep a portion of their deposits “in reserve”, in place of loaning all of them out. The policy is stipulated by using the Federal Reserve as part of its normal function in enforcing financial policy. In a fractional reserve banking gadget, banks maintain a fragment of deposits as reserves and use the relaxation to make loans. The Fed establishes reserve requirements and guidelines on the minimal amount of reserves that banks ought to hold against deposits. Banks might also preserve extra than this minimum amount if they pick out.
A fractional reserve banking system is important because banks want to have cash available that is able to satisfy their withdrawal necessities. this doesn't mean that they need to have the overall amount of each bank account accessible.
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if the sales-tax rate is 6%, then how much tax must mrs. salinas pay on purchases totaling $55.60? round to the nearest penny.
The sales-tax rate is 6%, then how much tax must mrs. salinas pay on purchases totaling $55.60.round to the nearest penny is $31.79.
We must convert 6% into a decimal first in order to address this issue:
6\s6% -> ->0.06\s100
Let's now divide 29.99 by 0.06:
ae = 29.99(0.06)\sT=1.80
Next, multiply 1.79 by 29.99 to find the answer:
29.99 + 1.80 = 31.79
After taxes, the sweater will cost $31.79.
A sales tax is a tax paid to a governing body for the sales of certain goods and services. Usually laws allow the seller to collect funds for the tax from the consumer at the point of purchase. When a tax on goods or services is paid to a governing body directly by a consumer, it is usually called a use tax.
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members of the service corps of retired are retired local businesspeople who volunteer their services to counsel and mentor new business owners.
Members of the service corps of retired are executive retired local businesspeople who volunteer their services to counsel and mentor new business owners.
What is business owners?A business owner is the person who controls the operational and financial aspects of a business. A business that produces and sells goods and services for profit. B. An e-commerce store or freelance writer is considered a business. A business can operate alone or with multiple people. Business owners play a strategic role and are not involved in the day-to-day activities of managing services. Rather, they focus on the big picture. Define your vision and roadmap.
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a company's ability to make interest payments and repay debt at maturity is referred to as a.profitability b.solvency c.liquidity d.leverage
Solvency is the capacity of a business to pay its debts, including interest, when they are due.
What is solvency?A company's capacity to meet its financial obligations is referred to as its "solvency." It involves more than just a company's ability to settle its current debts, though. Long-term financial stability is a prerequisite for financial solvency.
How does solvency get measured?The solvency ratio enables us to evaluate a company's capacity to fulfill its long-term financial commitments. After deducting depreciation, divide an industry's after-tax net income by the total of its liabilities to arrive at the ratio (short-term and long-term).
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gipsh corp. had beginning long-term debt of $51,207 and ending long-term debt of $36,714. the interest paid was $5,500. what is the amount of the cash flow to creditors?
The amount of the cash flow to creditors is $19,993.
Cash flow to creditors = I-E+B
Interest Paid = I = $5,500
Ending Long-Term Debt = E = $36,714
Beginning Long Term Debt = B = $51,207
Cash flow to creditors = Interest Paid - Ending Long-Term Debt + Beginning Long Term Debt
Cash flow to creditors = I - E + B
Cash flow to creditors = $5,500 - $36,714 + $51,207
Cash flow to creditors = $19,993
Cash Flow is the movement of money into and out of a business is referred to as cash flow. Cash accepted represents inflows, while cash expended represents outflows.
The cash flow statement is a financial statement that details a company's cash sources and expenditures over time. Cash flow from operations consists of expenditures incurred in the normal course of business.
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in 2008, what percentage of u.s. families had income levels below $113,205? question 12 options: a) 5 percent b) 20 percent c) 80 percent d) 95 percent
In 2008, about 20 percent of families in the United States had their income levels below $113,205. Therefore, the option B holds true.
The income levels with respect to a family can be referred to or considered as the incomes generated by the family throughout a given financial period.
It is generally the summation of income earned by all the earning members of a family, and represents the total income of an income with respect to the families. The United States' income levels of families were very low in the year 2008 due to a stronger recession faced during this period.
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in insurance policies, contract ambiguities are automatically ruled in the favor of the insured. what privilege does the insurer have in order to balance this?
In insurance policies, contract ambiguities are automatically ruled in the favor of the insured. The privilege the insurer have in order to balance this is The right to determine the wording of a policy.
Ambiguities in an insurance policy are usually resolved in favor of the insured. Insurance companies draft policy documents and contracts while persons purchasing insurance accept these terms. Therefore it is incumbent on the insurance company to clearly state coverage and limitations. If some claim occurs that is not specifically mentioned in insurance documents, the insured individual is covered.
At the point when applied in insurance gets, the ambiguity principle holds that the details of a policy or a protection strategy should be clear and without unclearness or vagueness. Since the guaranteed has no say with regards to setting up the provisions of the agreement, the insurance firm should lead a comprehensive survey of the policy to guarantee that no vulnerabilities in importance of the language utilized happen. While the significance of an agreement language is questionable, it is because of any of these four significant reasons; uncertainty, unclearness, idiocy, and lack of definition.
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true or false: while monitoring any online conversations about its brand, a company should also monitor the search results that appear on terms related to its brand.
The statement that while monitoring any online conversations about its brand, a company should also monitor the search results that appear on terms related to its brand is true.
What is the online conversations?Online conversations can be dedcribed as any kind of communication over the Internet which help to givereal-time transmission of text messages from sender to receiver.
It should be noted that the messages can be generally short in order to enable other participants to respond quickly, however while monitoring any online conversations about its brand, it can be seen on the search result.
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which form of business ownership is a particularly poor choice for an aggressive entrepreneurial firm?
A sole proprietorship is a particularly poor choice for an aggressive entrepreneurial firm.
The aggressive entrepreneur relies more on the notion that there are numerous opportunities and makes use of all available means to accomplish their goals. This is primarily concerned with what comes next, what can be accomplished, and how to foster progress via individual initiative and conviction.
Businesses that are aggressively entrepreneurial and offer ownership in exchange for capital contributions are better suited for corporations. The simplest type of business ownership is a sole proprietorship, which presents neither a hurdle nor any.
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1. What is speculative risk?
A. a formula that measures profit and loss.
B. gain or increase in money and assets.
C. loss of money or decrease in value.
D. a category of risk that results in an uncertain degree of gain or loss.
2. Which of these can you invest in without assuming any risk?
A. stocks
B. none
C. property
D. bonds
3. Which of these choices is not possible with speculative risk?
A. financial loss
B. financial gain
C. guaranteed success
D. breaking even
4. Which is a risk control strategy?
A. avoidance
B. reallocation
C. rearrangement
D. amplification
5. Which is an example of risk retention?
A. having deductibles
B. keeping a fire extinguisher in your kitchen
C. quitting smoking
D. starting an exercise routine
Answer:
1. D
2.B
3.C
4.A
5.A
Explanation:
100% CA
Speculative risk is a category of risk that results in an uncertain degree of gain or loss. Thus, option D is the correct option.
What is the speculative risk?Speculative risk is a type of risk that can be chosen willingly and has a profit-or-loss outcome. Every speculative risk is one that is actively chosen to be taken. Nearly all financial investing operations include some level of speculative risk since the success or failure of such endeavours is ultimately unpredictable. Pure risk, a type of risk where the sole consequence is loss, can be combined with speculative risk.
Speculative risk is not pure risk, which includes the prospect of just a loss and no opportunity for profits, because there is the possibility of a sizable gain despite the high degree of risk. A certain amount of speculative risk is included in almost all investing operations. When the fundamentals do not immediately demonstrate strength or a viable business plan, an investment is considered speculative. Instead, the trader anticipates that other factors might drive up the price or that the future would have more promise than the present.
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Select all the correct answers. what are two motivations to sell an asset, even if the current value is less than what you paid for it? a. your assets are increasing in value. b. you want to buy new assets that are performing well currently. c. you want to diversify the types of assets that you own. d. you want to buy shares in the company you work for. e. you want your portfolio to include some shares in international companies.
Two motivations to sell an asset, even if the current value is less than what you paid for it is
You want to buy new assets that are performing well currently. You want to diversify the types of assets that you own.What is an asset?An asset is regarded as a resource of the company that will have economic value in the near future and facilitates the smooth operation of commercial operations.
When you wish to diversify your portfolio or purchase a new asset with higher market performance, selling this asset becomes the sensible course of action.
The best way to reduce market volatility in a portfolio is by diversifying it. It's never a good idea to put all of your money into one property because your damages will be bigger if something goes wrong with that one investment.
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According to the video, what are some employers of personal financial advisors? select three options. libraries banks brokerage firms stock markets insurance companies car companies
b) banks, c)brokerage firms and e) insurance companies are some employers of personal financial advisors.
A personal financial advisor is a specialist who offers clients financial services and advice based on their individual requirements.
Personal financial advisers can provide solutions that are customized to their clients' needs, prevent costly mistakes, reduce risk, and offer a range of services and products that are in line with their clients' present and future goals.
While some financial advisors charge a flat fee for their services, others are compensated through commissions on investment sales.
Personal financial advisors offer guidance to assist people manage their money and make financial plans for the future.
Most personal financial counselors are either self-employed or employed by the finance and insurance sectors. Most of them have full-time jobs, and some put in more than 40 hours per week.
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before a person borrows money from a bank to make a major purchase, which question is considered most important for the person to answer?
The most important question that the person needs to answer before taking a loan for major purchase is: "Whether the benefits of making the purchase is more than the cost of borrowing?". This is the cost-benefit theory which determines whether an investment or purchase should be undertaken or not.
Taking a loan from bank involves paying the cost of borrowing in the form of interest rates. The person has to repay the original principle amount along with interest rates. The person should only make the purchase if the benefits and satisfaction received from making the purchase is more than the costs involved in taking the loan.
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