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Questions and Answers of
Corporate Finance
While at lunch with a group of coworkers, one of your friends mentions that he plans to buy a variable life insurance policy because it provides a good annual return and is a good way to build
1. Assume that Ryan’s gross annual income is $54,000 and Alison’s is $64,000. Their insurance agent has given them a multiple earnings table showing that the earnings multiple to replace 75
1. Explain to Ya the differences between (a) a whole life policy, (b) a variable life policy, and (c) a term life policy.2. What are the major advantages and disadvantages of each type of policy?3.
Why should health insurance planning be included in your personal financial plan?
Why is it important to consider benefit duration when shopping for disability income coverage?
What factors have contributed to today’s high costs of health care and health insurance?
What is group health insurance? Differentiate between group and individual health insurance.
Describe the features of traditional indemnity (fee-for-service) plans and explain the differences between them and managed care plans.
Briefly explain how an HMO works. Compare and contrast group HMOs, IPAs, and PPOs.
Discuss the basics of the Blue Cross/Blue Shield plans.
Who is eligible for Medicare and Medicaid benefits? What do those benefits encompass?
What is the objective of workers’ compensation insurance? Explain its benefits for employees who are injured on the job or become ill through work-related causes.
What are the key provisions of the ACA? How is it likely to affect your health care insurance in the next few years?
Explain four methods for controlling the risks associated with health care expenses.
Explain what factors should be considered in evaluating available employer sponsored health insurance plans.
Discuss possible sources of health insurance available to supplement employer sponsored health insurance plans.
Explain the differences between hospitalization insurance and surgical expense insurance.
What are the features of a major medical plan? Compare major medical to comprehensive major medical insurance.
Describe these policy provisions commonly found in medical expense plans:(a) Deductibles(b) Co-insurance(c) Co-ordination of benefits.
What are the key provisions of COBRA? How do they relate to continuation of group coverage when an employee voluntarily or involuntarily leaves the insured group?
Explain the cost containment provisions commonly found in medical expense plans. How might the provision for second surgical opinions help an insurer contain its costs?
Why should a consumer consider purchasing a long-term care insurance policy?
Describe the differences among long-term-care policies regarding(a) Type of care (b) Eligibility requirements(c) Services covered.List and discuss some other important policy provisions.
Discuss some of the questions one should ask before buying long-term-care insurance. What guidelines can be used to choose the right policy?
What is disability income insurance? Explain the waiting-period provisions found in such policies.
Describe both the liberal and strict definitions used to establish whether an insured is disabled.
Ken and Maureen Blake have two children, with ages of 6 years and 5 months. Their younger child, Don, was born with a congenital heart defect that will require several major surgeries in the next few
David Chen was seriously injured in a snowboarding accident that broke both his legs and an arm. His medical expenses included five days of hospitalization at $900 a day, $6,200 in surgical fees,
Discuss the pros and cons of long-term-care insurance. Does it make sense for anyone in your family right now? Why or why not? What factors might change this assessment in the future?
Use Worksheet 9.2. Bruce Kaplan, a 35-year-old computer programmer, earns $72,000 a year. His monthly take-home pay is $3,750. His wife, Barbara, works part-time at their children’s elementary
Use Worksheet 9.2. Do you need disability income insurance? Calculate your need using Worksheet 9.2. Discuss how you’d go about purchasing this coverage.
Assess your current health insurance situation. Do you have any health insurance now? What does your policy cover? What is excluded? Are there any gaps that you think need to be filled? Are there any
1. Explain the policy provisions as they relate to deductibles, co-insurance, and internal limits.2. How much should Zach recover from the insurance company? How much must he pay out of his own
1. How much, if any, additional disability income insurance does Roberto require to ensure adequate protection against his becoming completely disabled? Use Worksheet 9.2 to assess his needs.2. Does
Briefly explain the fundamental concepts related to property and liability insurance.
Explain the principle of indemnity. Are any limits imposed on the amount that an insured may collect under this principle?
Explain the right of subrogation. How does this feature help lower insurance costs?
What are the perils that most properties are insured for under various types of homeowner’s policies?
What types of property are covered under a homeowner’s policy? When should you consider adding a PPF to your policy? Indicate which of the following are included in a standard policy’s
Describe(a) Types of losses(b) Persons(c) Locations that are covered under a homeowner’s policy.
Describe replacement-cost coverage and compare this to actual cash value coverage. Which is preferable?
What are deductibles? Do they apply to either liability or medical payments coverage under the homeowner’s policy?
Briefly explain the major types of coverage available under the personal auto policy (PAP). Which persons are insured under?(a) Automobile medical payments coverage(b) Uninsured motorist’s coverage?
Explain the nature of(a) Automobile collision insurance(b) Automobile comprehensive insurance.
Define no-fault insurance and discuss its pros and cons.
Describe the important factors that influence the availability and cost of auto insurance.
Discuss the role of financial responsibility laws and describe the two basic types currently employed.
Briefly describe the following supplemental property insurance coverage:(a) Earthquake insurance(b) Flood insurance(c) Other forms of transportation insurance.
What is a personal liability umbrella policy? Under what circumstances might it be a wise purchase?
Differentiate between captive and independent insurance agents. What characteristics should you look for in an insurance agent and an insurance company when you’re buying property or liability
Briefly describe key aspects of the claims settlement process, explaining what to do after an accident, the steps in claim settlement, and the role of claims adjustors.
Describe how the co-insurance feature works.
Assume that Mary Boyle had a homeowner’s insurance policy with $100,000 of coverage on the dwelling. Would a 90 percent co-insurance clause be better than an 80 percent clause in such a policy?
Last year, Paul and Joanna Stillman bought a home with a dwelling replacement value of $250,000 and insured it (via an HO-5 policy) for $210,000. The policy reimburses for actual cash value and
Sarah Kavenna’s luxurious home in Georgetown, a neighborhood in Washington, DC, was recently gutted in a fire. Her living and dining rooms were destroyed completely, and the damaged personal
Fred and Sasha Seidel, both graduate students, moved into an apartment near the university. Sasha wants to buy renter’s insurance, but Fred thinks that they don’t need it because their furniture
David Salter has a PAP with coverage of $25,000/$50,000 for bodily injury liability, $25,000 for property damage liability, $5,000 for medical payments, and a $500 deductible for collision insurance.
1. Describe the key features of these insurance coverages.2. Are there any limitations on these coverages? Explain.3. Indicate the persons who would be protected under each type of coverage.4. What
1. What forms of homeowner’s insurance are available? Which forms should the Salazars consider?2. What are the perils against which the home and its contents should be insured?3. Discuss the types
Briefly discuss the relationship between investing and personal financial planning.
What’s the difference between an investment plan and a capital accumulation plan?
Describe the operations of the NASDAQ market. Compare it with an exchange, such as the NYSE.
Explain the difference between a bull market and a bear market. Discuss the frequency with which returns as bad as those during 2007–2009 occur. How would you characterize the current state of the
Why might an investor buy securities on margin?
Describe the Internet’s impact on the world of investing.
Briefly describe several types of online investment tools, and note how they can help you become a better investor.
How does a primary market differ from a secondary market? Where are most securities traded: in the primary or the secondary market?
What are regional exchanges, and what role do they play?
Contrast the NASDAQ and National Market System with the OTCBB.
Describe the role that discount brokers play in carrying out security transactions. To whom are their services especially appealing?
What are online brokers, and what kinds of investors are most likely to use them?
What is the SIPC, and how does it protect investors?
What is arbitration? Does SIPC require the use of arbitration in investor disputes?
Name and describe three basic types of orders.
What is a short sale? Explain the logic behind it. How much could be gained or lost on a short sale investment?
Briefly discuss the four basic types of information that you, as an investor, should follow.
What role do market averages and indexes play in the investment process?
Briefly describe the DJIA, S&P 400, S&P 500, NASDAQ Composite, Russell 2000, and Dow Jones Wilshire 5000 indexes. Which segments of the market does each measure track?
What is day trading, and how is it different from the more traditional approach to investing?
Explain why it might be preferable for a person to invest in a portfolio of securities rather than in a single security.
Briefly describe the concept of asset allocation and note how it works.
What, if anything, can be gained from keeping track of your investment holdings?
Use Worksheet 11.1 Linda Scales is a young career woman who’s now employed as the managing editor of a well-known business journal. Although she thoroughly enjoys her job and the people she works
Assume that the following quote for Merck, a NYSE stock, appeared on August 1, 2012 (Tuesday) on Yahoo! Finance (finance.yahoo.com/q?s=MRK&ql=0):Given this information, answer the following
Listed below are three pairs of stocks. Look at each pair and select the security you’d like to own, given that you want to select the one that’s worth more money. Then, after making all three of
Suppose Leonard Krauss places an order to buy 100 shares of Google. Explain how the order will be processed if it’s a market order. Would it make any difference if it had been a limit order?
Harmony Shadwell wants to buy 300 shares of Google, which is currently selling in the market for $757.49 a share. Rather than liquidate all her savings, she decides to borrow through her broker.
Which of the following would offer the best return on investment? Assume that you buy $5,000 in stock in all three cases, and ignore interest and transaction costs in all your calculations.a. Buy a
How much profit (if any) would Clay Sorensen make if he short-sold 300 shares of a stock at $100 a share and the price of the stock suddenly tumbled to $70?
Given that Precision Solutions, Inc.’s stock is currently selling for $40 a share, calculate the amount of money that Aaron Dalton will make (or lose) on each of the following transactions. Assume
Assume that an investor short sells 500 shares of stock at a price of $75 a share, making a 50 percent margin deposit. A year later, she repurchases the borrowed shares at $55 a share.a. How much of
Why do you suppose that large, well-known companies such as Apple, Starbucks, and Facebook prefer to have their shares traded on the NASDAQ rather than on one of the major listed exchanges, such as
Using the Web site for Yahoo! Finance (finance.yahoo.com), find the 52-week high and low for Johnson & Johnson’s common stock (symbol JNJ). What is the stock’s latest dividend yield? What was
Using the S&P report in Exhibit 11.6, find the following information for Apple.a. What was the amount of revenues (i.e., sales) generated by the company in 2011?b. What were the latest annual
1. Use Worksheet 11.1 to determine whether the Useltons have enough money right now to meet their children’s educational needs. That is, will the $45,000 they’ve accumulated so far be enough to
Describe the various types of risk to which investors are exposed.
What is meant by the risk-return trade-off? What is the risk-free rate of return?
What is interest on interest, and why is it such an important element of return?
From a tax perspective, would it make any difference to an investor whether the return on a stock took the form of dividends or capital gains? Explain.
What’s the difference between a cash dividend and a stock dividend? Which would you rather receive?
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