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disa [49]
3 years ago
15

How does unemployment influence financial planning?​

Business
1 answer:
Shkiper50 [21]3 years ago
3 0

Answer:

Income and retirement ages are two factors of financial planning heavily impacted for unemployment.  

Explanation:

Unemployment influence on financial planning is strong from the income's perspective as a person that does not have a regular income is stagnated and cannot grow.  

Another factor of financial planning that its affected by unemployment is retirement ages. As less people work under high unemployment rates there is a need for working more years in order to retire.  

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Two principles of fraud insurance​
Arturiano [62]

hi buddy

here is your answer

  • Insurance fraud involves any misuse of insurance policies or applications in order to illegally gain or benefit.
  • Insurance fraud is usually an attempt to exploit an insurance contract for financial gain. The majority of insurance fraud cases involve exaggerated or false claims.

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8 0
2 years ago
What are specialist shops​
weeeeeb [17]
A shop that sells one type of thing
6 0
2 years ago
You pay $5,500 per year for insurance on your building. Fire damage caused $15,000 in repairs. The insurance company paid for th
ElenaW [278]

Based on the amount you pay now and the increase in insurance premiums, your annual insurance costs next year would be $6,325.

<h3>What is the next insurance cost next year?</h3>

The annual cost of insurance refers to the amount that is paid in premiums in a year.

That cost is currently $5,500 but will increase by 15%.

= Current insurance cost x ( 1 + rate of increase)

Solving gives:

= 5,500 x ( 1 + 15%)

= $6,325

Find out more on insurance cost at brainly.com/question/4953989.

6 0
2 years ago
Austin Financial recently announced that its net income increased sharply from the previous year, yet its net cash provided from
Helen [10]

Answer:

Option D) The company’s depreciation expense declined.

Explanation:

It happens  because when company´s depreciation decrease you have less cost of sales and an improvement in the Gross Margin and hence in the Net Income, but this enhancement in the Net Income has an opposite effect on Net Cash because less depreciation means less total cash,

Total Cash it's defined by Net Income plus Depreciation, a less Depreciation means less Net Cash.

5 0
3 years ago
The future earnings, dividends, and common stock price of Carpetto Technologies Inc. are expected to grow 7% per year. Carpetto'
Galina-37 [17]

Answer:

Dividend growth rate (g) = 7% per year

Common Stock value (P0) = $23 per share

Dividend just paid (or) Last dividend (D0) = $2

Current year dividend to pay (D1) = $2.14

(a) Using the DCF approach, what is its cost of common equity?

Cost of Common Equity (R) = [D1 / P0] +g

Cost of Common Equity (R) = [$2.14 / $23] + 0.07

Cost of Common Equity (R) = 0.1630 (or) 16.30%

Cost of Common Equity (R) = 16.30%

(b) If the firm’s beta is 1.6, the risk-free rate is 9%, and the average return on the market is 13%, what will be the firm’s cost of common equity using the CAPM approach?

Beta = 1.6

Risk-free rate (Rf) = 9%

Return on the Market (RM) = 13%

Calculating Firm’s Cost of Common Equity using the CAPM approach:

According to CAPM approach:

Cost of common equity (RE) = [Rf + β (RM – Rf)]

Cost of common equity (RE) = [9% + 1.6 (13% - 9%)]

Cost of common equity (RE) = [9% + 1.6 (4%)]

Cost of common equity (RE) = [0.09 + 1.6 (0.04)]

Cost of common equity (RE) = 0.154 (or) 15.4%

Cost of common equity (RE) = 15.4%

(c) If the firm’s bonds earn a return of 12%, based on the bond-yield-plus-risk-premium approach, what will be rs?

rs= Bond rate + Risk premium

rs= 12% + 4%

rs= 16%

d. The two approaches bond-yield-plus-risk premium approach and CAPM both has lower cost of equity than the DCF method. The firm’s cost of equity estimated to be 15.9% which is the average of all the three methods.

Explanation:

5 0
3 years ago
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