Joannie is in the 39.6 % tax bracket. She works for a company that matches 50% of employees' contributions to their 401(k) retirement accounts. Joannie decides to add $2,000 to her account, which she expects to earn an average of 4% annually until she retires in twenty years. What is Joannie's return on the investment immediately upon making the deposit

Joannie contributes $2,000 to her record. 50% of the venture is coordinated by the business, that is $1,000 is contributed. The normal yearly return is 4%. The period is 20 years. The tax rate is 39.6%.

Compute the immediate return.

Immediate return = Tax savings + Employer matching contribution

Immediate return = ($2,000 × 39.6%) + ($2,000 × 50%)

Immediate return = $792 + $1,000

Immediate return = $1,792

Compute the return on investment.

Return on investment =  Immediate return / Amount invested by Joannie

Return on investment = $1,792 / $2,000

Return on investment = 0.896 or 89.6%

ans.

heterothermic organisms include those organisms that can switch between homeothermic (having body temperature higher than environment) and poikilothermic (having variation in internal body temperature) strategies.

some migratory birds show heterothermy as they decrease their metabolic rate during cold nights to keep their body temperature low. drop in metabolic rate allows increase in production efficiency of birds that reduces the internal body temperature to make it equal to external cold temperature during cold nights.

thus, the correct answer is 'birds allow their temperature drop in order to increase their production efficiency.'

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