ospital must decide whether or not to purchase new respirators. These respirators will help patients of covid – 19, and it will reduce the costs to patients at an estimated value of 100,000 Php. The prices of these 3 respirators are 500,000 Php for the first year, 550,000 Php for the second year, and 600,000 Php for the third year. If the interest rate for the acquisition of these respirators is 12%, determine the net present value for these respirators. Using the formula NPV=FV-OCW

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Property Insurance

Property insurance protects property from unforeseeable loss or damage and covers property owners' liability. Property insurance provides financial compensation to the property owner or renter in the event of damage or theft, as well as to someone other than the owner or renter if that person is injured on the property. Property insurance covers all risks of damage caused by theft, fire, flood, cyclones, lighting, and natural calamities, among other things. The primary goal of property insurance is to require the property owner to cover the loss. A monthly premium is paid to the insurance company, and in exchange, the insurance company pays for damage based on the agreement stated in the policy. Property insurance protects assets such as a vehicle, auto, car, rental home, house, and valuable property.