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Questions and Answers of Personal Finance

What happens if an investor receives a margin call? How would this relate to the margin requirement or the maintenance margin?
Why is Principle 1: The Best Protection Is Knowledge so important when choosing a broker?
What are the two primary methods of executing trades? What are the service and cost differences?
List five publications and three Web sites that can be used to gather financial news or research.
What are the major benefits of joining an investment club?
After studying the fundamental trends from COX Company's annual report, you have decided to purchase one round lot of the firm's stock on the open market. On Monday morning you call a stockbroker and
Jale Batur, an active investor, recorded the following transactions in her brokerage account: November 1 Bought 274 shares of OPP November 7 Bought 50 shares of RSVP November 11 Sold 150 shares of
Uncle John and Aunt Martha own 1,000 shares of AT Inc. in a brokerage account that is titled "John and Martha, Tenancy-in-Common." Explain how the assets would be handled if John passed away. What if
Consider the following transaction timeline for XYZ Corp. November 12- open order placed for 500 shares November 13- order filled at $25.25 per share January 4-current market price $61.50 per share
Determine which of the foUowing two companies would be eligible for listing on the NYSE: Firm 1 Firm 2 Earnings before taxes for the last 3 years Value of publicly held stock Number of common shares
Novice investors sometimes forget to account for trading costs when buying and selling stock. How much would a stock price need to increase (stated as a percentage) in order for Camerin to break even
Make a list of ten products and services that you use on a daily basis. Examples might include soft drinks, detergents, utilities, and textbooks. Next to each item on the list of products and
Collect the ten most recent tombstone ads you can find using the Wall Street Journal. What investment banks consistently show up as underwriters and syndicate participants? Based on your sample of
Using the information from project 2 and information found on the internet, write a one-page paper on why these types of advertisements are used. Support your answer with information provided in the
Using your local phone book or online listings obtain a list of stockbrokers, financial planners, and investment advisors in your area (check the Yellow Pages using the foregoing titles). Either call
Obtain the phone number of a deep discount broker from a personal finance magazine or through an Internet search. Using the five questions presented in Checklist 12.1, "Choosing a Brokerage Firm," as
This chapter has pointed out that within the scheme of things at most brokerage firms, small investors fit very "low on the totem pole." Why do you think this is? In terms of receiving timely and
Some investors continue to hold stock certificates as proof of ownership, but most investors hold their securities in a broker's street name. Ask a relative or friend who owns stocks if they hold the
Did you know that every publicly owned and traded company in the United States is required by law to provide both a quarterly and an annual report to anyone who asks for one? Contact a publicly owned
Inthis chapter you learned about "churning." However, this is not the only market abuse. Go online to the FINRA compliance homepage (http://finra.complinet.com/finra/) to research other abuses that
To learn more about online brokerage services and fees1 visit www.fool.com. Click on the "How to Invest" tab and select the "Find a Broker" link and then visit the Discount Broker Center. Use the
Besides having a claim on income what is the most important right of common stockholders? Why is this right important?
You've just learned that Graham Records has purchased the lifetime distribution rights to the music of a new band called the French Fries. Based on this good news you've estimated that Graham Records
Visit http://finance.yahoo.com, www.morningstar.com, or a similar Web site. Use these sources to obtain the book value, earnings per share, dividend yield, price-to-book ratio, and P/E ratio on six
Rank the suggested questions in Checklist 13.1 in order of importance to you and explain why you gave each question its respective ranking. Then interview a friend or relative who regularly makes his
Using the Web site www.dogsofthedow.com/thedow.htm, look at the list of companies that have been added to and subtracted from the DJIA since 1929 using the "Dow Deletion Table." Use this and the list
Using the Internet, visit the NASDAQ homepage (www.nasdaq.com) each day for 1 week. Track the performance of the NASDAQ composite index for the week. Did you notice any significant trend during that
Review the general classifications of common stock. Based on your personal comfort level (risk tolerance), which type of stock would most interest you? Why? Be sure to consider current economic
Every evening the major news networks report that "the market" is up, down, or unchanged. Ask atleast ten people whatthey think is meant by "the market." Report your findings in a one-page summary,
As a group project, use th.e following stocks to develop a portfolio that has an average beta equal to 1.0. You must include all stocks, but the weighting is yours to develop.Given what you have
What is meant by the term "subordination" when dealing with corporate debt?
Why is U.S. Treasury debt considered risk free? Describe the possibility of default risk associated with Treasury debt.
Provide five examples of speculation. What distinguishes these "investments" from stocks, bonds, and real estate?
Connect to the Federal Reserve's Web site (www.federalreserve.gov) and locate information about the government's Treasury Direct program. Pay particular attention to the procedures for buying and
Think about the advantages offered by municipal bonds. In terms of marginal tax rates, what type of investor should consider .investing in municipal bonds? Is there an advantage to purchasing
Classify the four primary features of preferred stock into two groups (1) those that benefit the investor and (2) those that benefit the issuer, and explain how you categorized each. Also, formulate
Your wealthy uncle has asked you to help him value the bonds in his portfolio. Through the years, he has observed that some bonds sell well below or well above stated par values. He has asked for
Over the years you may have received U.S. savings bonds as gifts. lf you don't know whether you have bonds in your own name ask your relatives if they have given you any EE savings bonds. Once you've
After reading this chapter, a classmate has come to you confidentia lly after class to discuss making some money trading bonds based on an interest rate projection formula she learned in economics
Until recently, investors purchased bonds almost entirely for income. Over the past 20 years investors have witnessed increased bond price volatility and the advent of junk bonds. Assume that you
Take a poll of friends, family, and work colleagues by asking them the foUowing three questions:a. Do you think that real estate is a safer investment than bonds?b. Do you think of your house as an
Provide three or four examples of collectibles. For each, tell whether you agree with the rule that "collectibles are a form of speculation and should be avoided." Explain your answer. Under what
Applying what you have learned about future value, write a short essay explaining why the current market value (CMV) of a long-term bond is more volatile than the CMV of a shorter duration bond. To
List and explain the five disadvantages of mutual funds.
If diversification is a primary advantage of mutual funds, why can't a mutual fund diversify away systematic risk?
Describe the four most common types of investment companies.
What is the primary disadvantage of an ETF for an investor who might like to trade in and out of the market?
Calculate the total cost for purchasing 100 shares of each of the following funds. Remember to include both sales commission and any transaction costs.a. A load mutual fund that sells for an NAV of
Actively managed mutual funds tend to underperform in comparison to the S&P 500 Index. Why is this? Using the Web or another source (e.g., mutual fund newsletter, magazine, or financial
Use your favorite search engine to do a search on life cycle funds. Read several of the articles that you find and prepare a short report on why life cycle funds have become so popular. Also do some
Use finance.yahoo.com to sort mutual funds according to their expense ratios. Is there a correlation between low expense ratios and better performance? If all other areas of comparison are equal, why
Visit a personal finance Web site and read about mutual funds. What are the current trends with mutual funds?
According to Checklist 15.1, tax efficiency is a key area to research when choosing a mutual fund. Look up five different large-cap, growth mutual funds at finance.yahoo.com/funds. There is no www
Call one of the two largest brokerage firms that offer a "mutual fund supermarket'' (Charles Schwab at 1-800-435-4000 or Fidelity at 1-800-544-9697) or visit its Internet site. Obtain a list of
Use the three-step process described in the text to select a mutual fund based on your current circumstances. What classification of fund(s) would be appropriate given (a) the amount of money you
Describe a cash-balance retirement plan. What are the advantages and disadvantages for the employee? What advantages, if any, does this defined-benefit plan offer an employer?
What are the two fundamental principles and advantages of a tax-deferred retirement plan?
List the five most common examples of a defined-contribution pian. For each, cite a unique advantage or disadvantage for the employee.
Briefly describe a Keogh, SEP-IRA, and SIMPLE plan, noting how each is funded. Generally, what advantages do these plans share with other tax-deferred plans?
Who manages the investments in a Keogh, SEP-IRA, or SIMPLE plan? lf withdrawals are made prior to age 591h, will the IRS typically impose a penalty? Ifso, when might the penalty be waived?
Once the taxes are paid, what advantages are available from rolling money from a traditional to a Roth IRA?
Describe the Coverdell Education Savings Account. How does it differ from the 529 plan?
What is a 529 plan? What restrictions on funding, contributions, and withdrawals apply?
Explain two examples of how the advantages and disadvantages of an annuity and a lump-sum distribution counter, or offset, each other. Why is this important to understand when choosing a of
Explain why Social Security benefits are more important for lower income households than for higher income households.
Sedki earned $119,750 in 2010. How much did he pay in Social Security taxes? In Medicare taxes? In total FICA taxes? Don't forget the annual Social Security earnings cap.
What is the estate-tax-free transfer threshold for 2012 and 2013, and how does this relate to the unified tax credit?
Explain the importance of having the lifetime gift tax exemption linked to the estate tax exemption.
List three characteristics of a validwill. Are handwritten or oral wills acceptable?
Describe the following estate planning documents: (a) codicil, (b) letter of last instructions, (c) durable powerof attorney, (d) living will, and (e) health care proxy.
Why is gifting an important estate planning tool? Why are assets that grow in value recommended as gifts?
Explain how the portable estate exemption, resulting from the 2010 Tax Relief Act, altered estate planning using family trusts.
Following his death in 2012, Zane Wulster's gross taxable estate was valued at $3,300,000. He has made a total of $200,000 of gifts that exceeded the annual gift tax exclusion.a. What is the amount
May Yee had a $950,000 net worth at the time of her death in 2012. In addition, she owned a $250,000 whole life policy with $40,000 of accumulated cash value; her niece was designated as the
So-hyun }oo, and her husband KJ, Each own assets valued at$3,000,000. lfKJ dies in 2012 and leaves all of his assets to So-hyun, without the use of a trust arrangement, how much of his estate will be
Locate three to five articles about problems experienced by individuals or families who failed to develop estate plans or to identify responsible parties in the event of physical or mental
Conduct an online estate planning article search on current and future estate tax law changes. Write a brief summary of recommendations from the articles showing how future changes in the tax code
The text of a simple will can be found on the Internet. Locate and print at least two wills. Compare the language and clauses, as described in your text. What are the advantages and disadvantages of
Will preparation kits are available on the Internet and in book stores and office supply stores. Research the cost, availability, and descriptions of at least three kits. What are the advantages and
Research the probate court procedures in your state of residence. Interview a representative of the court, observe the court proceedings, or learn how to access a probated will. Summarize your
Make a list of criteria that you would use in selecting the executor of your estate and the heirs named to inherit your assets. How would these criteria change if you were selecting a guardian for
Contact three law firms to determine the cost of preparing a simple will and the kinds of information needed by the attorney. Prepare a report of your findings.
Prepare a letter of last instructions. Discuss it with one or more family members. Have they prepared a letter of last instruction or implemented other estate planning strategies?
Locate a list of medical treatments generally included in living wills prepared in your state of residence. Research the meaning of these procedures. Write a report describing your feelings regarding
Discuss with a close adult friend or relative his or her estate plans including the use of a will, trusts, lifetime gifting, a living will, and/or a durable power of attorney. Write a one-page report
This chapter asserts that "building wealth is part of a satisfying life" that is built on a balance between(a) a personal life that reflects your values and goals and(b) financial decisions that
As inflation and taxes increase, why is it more important for investors to take prudent risks with equity investments? How is this principle affected by the investment time horizon?
To learn more about "cheap" living, do an Internet search to generate a list of the "top ten tips" for living frugally or saving money. How do the suggested spending and saving practices vary over
Visit the Internet sites www.ed.gov, www.salliemae.com, www.loanconsolidation.ed.gov, www2.ed.gov/offices/OSFAP/DirectLoan/cancellation.html, or www.salliemae.com/apps/SMCalcs/RCW/contenUindex.aspx
As a group project, ask everyone in your class (or other classes) to estimate how much total debt they will have upon graduation using the categories of (a) student loans, (b) cred it cards, and (c)
Make a List of typical items paid for through borrowing. Share your list with friends and relatives and ask them to quickly categorize the debts as good or bad. Record their reactions. Then explain
To learn about the services offered to households experiencing debt problems, contact the National Foundation for Consumer Credit (800-388-2227 or on the Web at www.nfcc.org). This nonprofit
"The more you make, the more necessities there are." Discuss this quote with friends or relatives representing different stages of the life cycle and income levels. Can they recall specific goods or
Schedule some time to candidly discuss money and financial management with your best friend, partner, significant other, or spouse. Use Checklist 18.1, "Marriage, Money, and Financial Personality" as
According to this chapter, "planning and budgeting require control." Talk to several friends, family, or acquaintances about the strategies they routinely or occasionally use to control spending and
Using the information in this chapter, determine which tax form you should use and outline the types of records you will need. Talk with several taxpayers in different socioeconomic groups or stages
What factors have affected the alternatives available to consumers for cash man agement?
What are three advantages and two disadvantages to online banking?
Calculate the after-tax return of a 6.65 percent, 20-year, A-rated corporate bond for an investor in the 15 percent marginal tax bracket. Compare this yield to a 5.25 percent, 20-year, A-rated,
Assuming a 1-year, money market account investment at 3.5 percent (APY), a 2.5 percent inflation rate, a 28 percent marginal tax bracket, and a constant $50,000 balance calculate the after-tax rate

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