Diminishing returns

Met Richard, age 63, Stafford office, first appointment April 7. Richard is 63, his wife is 6. They are both retired. Mainly, he just wanted me to look at his plan and see if I had any recommendations. He’ll have, he is getting a pension from ??_____ 2:17, 46,000 a year. His wife is getting a 4000 pension and an $11,000 social security check. In three years he’s going to turn his social security check on for another 31,000. He thinks they can live off those four checks. For now, they are…

Market The Tech Closet will be heavily focused on selling their product to major retail stores and later their websites as well as in Amazon. The Tech Closet will try to target Nordstrom, Walmart, Target, and JcPenny. How we will do this to promote our products to those stores. We will look into seasonal shopping, competitors, and sales. The Tech Closet will be focusing their marketing strategies towards both genders, mostly women in the United States. We will target retail stores in…

 • Andrew Scanlan – GR Target – $3.84 million (Life & Savings) + $289,240 GR (GI). The team issued a GR of $217,733 achieving 68% of the monthly target. Andy closed the year with a submission of $2.3 Million GR and issued a GR of $2.25 million. On GI, the team produced $2.65 million APE as of December end which is 33% above their target generating a GR of $384,000. • Peter Reilly – GR Target – $2.63 Million (Life & Savings) + $79,350 GR (GI). The team submitted $134,034 GR in December and…

The 2% rule states that your monthly rent should be approximately 2% of the pur- chase price. In other words, a $100,000 home should rent for $2,000 per month; a $50,000 home should rent for $1,000 per month. This is a very conservative esti- mate that is very simplistic but can help in deciding if a property warrants a deeper look. In most parts of the country, the 2% is very difficult to achieve, but the closer you can get to that, the better cash flow you'll receive. Real World…

three years of operation? R: Not yet 11. Will you need assistance in preparing such statements? R: Yes, I might need assistance to do it. 12. Can you provide personal tax returns for the past three years? R: Yes, I have them. 13. How will a loan make your business more profitable? R: Having enough money to develop the program to meet the parents’ needs as well their children can…

When it comes to insurance companies their main goal is correlate rates for policies as closely as possible with the actual cost of claims. The reason for this is because if the rate will be too high clients will move to other providers causing the company to lose market insurance or they will set the rates too low and cause them to lose money. So one tool that insurance companies use is credit scoring. The reason for this is because studies have shown that how a person manages their financial…

Founded in 1959, The Mertz Gilmore Foundation is a private, independent grant making institution that supports and promotes vibrant communities, the performing arts, and a sustainable environment (Mertz Gilmore Foundation1, n.d.). With an asset of approximately $100 million, its grant focuses on a small number of programs while maintaining relatively long-term commitments to its core areas of concern. The Mertz Gilmore Foundation has an extensive history of supporting dance in the city,…

these averages, especially given the high returns and volatility of the bond markets shown in Exhibits 4 and 5. He was concerned also about which measure of expected returns should be used. Exhibits 4 and 5 present two different measures of average annual return, the arithmetic and the geometric. The arithmetic average return is the sum of the annual returns over the time period divided by the number of years in the time interval. The geometric average return is the compound average growth rate…

For example, if σ = 45% and ρ = 0.2, then the standard deviation with 50 stocks would be 20.91%, and would rise to 22.05% when only 20 stocks are held. Such an increase might be acceptable if the expected return is increased sufficiently. Hennessy could contain the increase in risk by making sure that he maintains reasonable diversification among the 20 stocks that remain in his portfolio. This entails maintaining a low correlation among the remaining stocks. For example, in part (a), with ρ = 0…

Whereby D1 = Expected dividend per share for the next year k = Required rate of return (can be estimated using the CAPM or Dividend Growth Model) g = Expected dividend growth rate • Multi-Stage Growth Model In cases where dividends are not expected to grow at a constant rate, the investor must evaluate every year’s dividend separately. However, this model does assume that dividend growth…