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For a coffee, 4 or 6 dollars, some ones pay because they think they are paying to premium hotels and their egos. Most of these folks have black or illegal money.
Rev. Rul. 64-328 held that the table of one-year premium rates set forth in Rev. Rul. 55-747, 1955-2 C.B. 228, commonly referred to as the "P.S. 58" rates, may be used to determine the value of the current life insurance protection provided to an employee under a split-dollar arrangement. See http://www.irs.gov/pub/irs-drop/n-01-10.pdf for more information.
The answers are 7%, 7.33%.
The market risk premium is measured by the market return less risk-free rate. You can calculate the market risk premium as market risk premium is equal to the expected return of the market minus the risk-free rate.
I start my disclaimer that i might be wrong..But i must give it a Try...Now According to the cost of equity formula it is =Rf+B(Risk premium),,,,risk premium is nothing but the difference b/w Rm-Rf.....so the equation becomes Rf+B(Rm-Rf)..here Rm is Expected returns from the stock........When the Rf increases Ist part of the equation increases the cost of equity whereas if we see the second part of the equation decreases the cost of Equity(If Rm is kept constant)......but As Rf increases the Rm also increases and hence the The Second part of the equation Also increases so the effect of Increases Cost of equity....I hope i made some sense....
I am not sure what you mean by 'overpayment', but in many cases a policy is initiated with expected criteria. At the end of the policy period, the carrier may audit the criteria and if it is discovered that the expected premium was too low to cover the insurance company's exposure then they can demand the difference in the premium earned and the premium paid.
The spread will widen. Deterioration of the economy increases credit risk, that is, the likelihood of default. Investors will demand a greater premium on debt securities subject to default risk.
debit treasury stock 200000debit premium 40000credit cash 240000
pure premium, debt exposure and expected loss ratio
Baby's insurance cost will be very less. As the age increases the insurance premium increases. you can find out your answer in http://www.delhimoms.com
Bonus shares increases the share capital while reduces the share premium account because amount of share premium is used to issue bonus shares.
Expected return= risk free rate + Risk premium = 11 rate of return on stock= Riskfree rate + beta x( expected market return- risk free rate)
Risk premium = Company's risk (standard deviation of the historical stock returns of the market as a whole) - Risk-free rate of return (standard deviation of the historical treasury bonds' returns) - Inflation