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Personal Financial Literacy 1st Edition Joan Ryan - Solutions
1. Choose three large corporations to research. Choose companies from the list below or others approved by your teacher.
10. What steps can you take to be sure a stockbroker is qualified to give investing advice or make purchases for an investor?
9. How do investment professionals, such as stockbrokers or financial planners, help investors?
8. List several figures that can be used to compare the performance or value of companies.
7. Explain ways you can find investing information on the Internet.
6. Give two examples of Internet search engines you could use to find information about companies or investments.
5. Describe the type of information available in a company annual report.
4. Explain why an investor might be willing to pay for a subscription to an investor newsletter.
3. List two newspapers that provide information helpful to investors.
2. List three magazines that give information and advice about spending and investing.
1. Describe the types of financial information found in print items such as magazines, newspapers, and newsletters.
Explain how investment professionals help investors.
List figures that can be used to compare the performance or value of companies.
Explain how to find investing information on the Internet.
Describe the type of data found in company reports.
Describe the types of financial information found in magazines, newspapers, and newsletters.
6. What might you do to increase your return on investment?
5. What is the new return on investment for the property?
4. Some of your expenses have increased, as shown below. Calculate the total yearly expenses you will have for the rental property after the cost increases.Monthly insurance $70 Taxes every 6 months $380 Yearly lawn care or snow removal $1,400
3. What is your return on investment for the property?
2. Calculate the total rent you will receive in a year. Assume the house is rented for the full 12 months per year.
1. Calculate the total yearly expenses you will have for the rental property.
4. What do you think is the risk level of this mutual fund—low, medium, or high?
3. Find the selling price of a share in the mutual fund. You may have to visit a different Web site that provides market quotes to find the price. The price will likely be labeled NAV (for net asset value).The NAV is the price of one share in the fund at the close of trading on a particular day.
2. Review two or three Web sites that tell about mutual funds. Choose one fund. For that fund, record this information:Fund name Fund trading symbol Strategy of the fund (such as balance or growth)Holdings (list of investments the fund contains)Performance in recent years (percent of return each
1. Access the Internet. Use a search engine to find sites that tell about mutual funds. Use the term mutual fund list for the search. You could also include other words in the search box, such as bonds, growth, or stocks, to find a particular type of mutual fund.
5. You own 75 shares of stock in a corporation. The company issues a three-for-one stock split. How many shares do you now own?
4. You purchased 100 shares of stock at $125 per share. One year later, the price of the stock has risen to $150 per share. What is the percentage increase in the stock price?
3. You purchased a house for $125,000. You spent $15,000 for repairs and redecorating, property taxes, and other expenses. You sold the house 1 year later for $160,000. How much profit did you make on the house? What is your return on investment?
2. You have a CD for $1,000. The interest rate is 5 percent annually, and the term is 5 years. The CD has an early withdrawal penalty.If the money is withdrawn before 36 months, interest is paid for the time the money is in the account, but a 6-month interest penalty is deducted. If you withdraw
1. You have a CD for $1,000. The interest rate is 5 percent annually, and the term is 5 years. The CD has an early withdrawal penalty. If the money is withdrawn before 36 months, no interest is paid, and a penalty of 6 months’ interest is levied. If you withdraw the money after 12 months, what
18. An investment fund that consists of stocks, bonds, and other investments focused on a strategy, such as balance or growth, is called a(n) .
17. When you cash in a bond at maturity, you the bond.
16. Shares of stock that represent ownership interest and give stockholders voting rights in the company are called .
15. A(n) is an agreement to buy or sell a specific commodity or currency at a set price on a set date in the future.
14. The difference between a bond’s selling price and its face or maturity value is the .
13. An investment that allows investors to legally avoid income taxes is called a(n) .
12. A(n) is used to deposit money from stock sales and to pay for stocks when they are purchased.
11. When an investment cannot be turned into cash quickly without a penalty, it is said to be .
10. Choosing a combination of stocks, bonds, mutual funds, or other investments to limit risk and increase returns is known as .
9. Items bought for their investment value, such as art objects or coins, are called .
8. A(n) is an item of value that is bought and sold in a market, such as corn or silver.
7. Buying stocks or bonds directly from companies and holding them individually is known as .
6. When an employee is , he or she has legal rights to a retirement account.
5. A(n) is a document that outlines how a business plans to succeed.
4. Shares of may pay a guaranteed dividend to shareholders.
3. A(n) is a contract purchased from an insurance company that guarantees a series of regular payments for a set time.
2. is the process of moving a retirement account balance to another qualified retirement account.
1. Buying stock in a mutual fund or REIT is a type of .
1. Choose a job in hospitality and tourism to explore further. Select a job from the list above, or choose another job in this career area.
10. What is an investment club?
9. How does a REIT work? Why is it safer than direct investment in real estate (owning rental property)?
8 What is a futures contract? Give three examples of commodities.
7. What are two ways in which an investor can make money on rental property?
6. What risks are associated with owning rental property?
5. Why are collectibles considered high-risk investments?
4. What is a business plan? Why is studying the business plan important when considering a business venture investment?
3. Why are common stocks considered a risky direct investment?Why do common stockholders take more risk than preferred stockholders?
2. Compare common stock with preferred stock.
1. Describe two ways to make money from stocks.
Explain why indirect investing options reduce risk.
Discuss trading futures contracts for commodities.
Describe direct investing and the risk it involves.
Compare common stock with preferred stock.
Describe several high-risk investment options.
10. Which type of mutual fund has a better potential for high returns:a bond fund or a stock fund? Which of these two funds has a higher risk?
9. What is asset allocation?
8. Give two advantages of buying mutual funds rather than individual stocks or bonds.
7. Explain why mutual funds are a form of indirect investing.
6. Why is having a retirement account that is portable important?
5. What is the advantage to having a tax-deferred investment account?
4. Describe three types of employer-sponsored retirement plans.
3. What types of retirement accounts are available for people who are self-employed?
2. How are traditional IRAs and Roth IRAs similar? How are they different?
1. List three types of retirement accounts that can be opened by an individual.
Describe mutual fund investing and give advantages of investing in mutual funds.
Discuss the importance of portability for retirement plans.
Describe retirement account options provided through employers.
List the various kinds of retirement plans that can be opened by an individual.
12. How can an investment be considered low-risk if it is not insured?
11. Explain how an annuity can help provide financial security during retirement.
10. What is the purpose of a clearing account?
9. How are corporate bonds different from government bonds?
8. When a bond sells at a discount, do you pay more or less than the face value of the bond? Why might a bond sell at a discount?
7. List several examples of low-risk savings and investing options.
6. Why do some CDs pay higher interest rates than other CDs?
5. Explain the purpose of early withdrawal penalties for CDs.
4. How is a money market account different from a regular checking account?
3. Why is a savings account considered a low-risk savings option?
2. Give three examples of options for liquid savings.
1. Explain why having liquid savings is important.
Discuss how annuities can be used to provide for financial security.
Explain how corporate bonds are different from government bonds.
Give examples of low-risk savings and investment options.
Give examples of savings options that are liquid.
Discuss the importance of having liquid savings.
6. What long-term goals will you keep in mind as you choose your investments?
5. What amount of money will you plan to invest each coming month or year to help build your portfolio?
4. What percentage of your savings, if any, will you place in the speculative investments portion of the portfolio? What will this amount be in dollars?
3. What percentage of your savings will you place in the growth investments portion of the portfolio? What will this amount be in dollars? What types of investments will be in this part of the portfolio?
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