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Personal Financial Literacy 1st Edition Joan Ryan - Solutions
2. What percentage of your savings will you place in the conservative investments portion of the portfolio? What will this amount be in dollars? What types of investments will be in this part of the portfolio?
1. What percentage of your savings will you place in the foundation portion of the portfolio? What will this amount be in dollars? What types of investments will be in this part of the portfolio?
18. Any place where investments or assets are bought and sold is called a(n) .
17. The chance that the rate of inflation will be higher than the rate of return on an investment is called .
16. An amount of money set aside to handle expenses related to unplanned events is called a(n) .
15. When stock prices are steadily increasing over time, this type of market is called a(n) .
14. The chance that activities or events that affect a company will change the value of an investment in that company is called .
13. is the ability to prepare for future needs and meet current expenses to live comfortably.
12. The chance that an event in politics will affect the value of an investment is called .
11. Holding a variety of investments in order to reduce risk is called.
10. The potential for change in the value of an investment is called.
9. When stock prices are steadily decreasing over time, this type of market is called a(n) .
8. A(n) is a debt instrument issued by a corporation or government that requires the issuer to pay the bondholder the loan principal plus interest at maturity.
7. Saving and investing the same amount of money each month regardless of market conditions is using the strategy.
6. A(n) is a collection of investments, such as stocks, bonds, and real estate.
5. The chance that factors that affect an industry as a whole will change the value of an investment is called .
4. When taxes are not levied against gains until the money is taken from the account, the investment is said to be .
3. Unplanned events, such as emergencies, are called .
2. A measure of the ability to turn an investment into cash quickly is called .
1. Shares of ownership in a corporation are called .
1. Choose a job in marketing, sales, and service to explore further. Select a job from the list above, or choose another job in this career area.
11. Some of the skills and traits needed for a career in marketing, sales, and service include the following:Knowledge of products Ability to work with others Communications skills showing patience and tact Computer/technology skills Decision-making skills Leadership skills Problem-solving skills
10. When the economy is slowing down and stock prices are falling, why might an investor buy stocks?
9. When the economy is growing and stock prices are rising, why might an investor sell stocks?
8. How is a bull market different from a bear market?
7. What are some factors that will affect the types of investments a person may need in an investment portfolio?
6. What types of investments should be the foundation of an investment portfolio?
5. What is an investment portfolio?
4. How does diversification lower investment risks?
3. What is dollar-cost averaging? What is the advantage to using this investment strategy?
2. Why is having a long-term saving and investment strategy important?
1. Explain how to save and invest using a systematic strategy.
Discuss buying and selling strategies in times of economic growth and decline.
Explain the difference between a bull market and a bear market.
Explain how a diversification strategy can lower risk.
Explain the dollar-cost averaging strategy.
Explain how to use a systematic strategy for saving and investing.
8. Describe the possible tax advantages of long-term saving and investing.
7. How are tax-free earnings different from tax-deferred earnings?
6. Name some events that might affect political risk.
5. What is inflation risk?
4. What is a bond?
3. What is investment risk? What are some factors that can affect investment risk?
2. Describe the ideal investment.
1. Explain how risk and return are related to each other.
Describe the possible tax advantages of long-term saving and investing.
List some types of risk that savers and investors may face.
Discuss the concept of risk versus return.
7. When should you begin retirement planning?
6. What is financial security?
5. Why does meeting long-term goals often require saving and investing? Give two examples of long-term goals that can be met with money from investments.
4. What is an emergency fund, and why should you have one?
3. List three short-term goals that could be reasons for saving.
2. Why are savings accounts often safer than other investments?
1. How is investing money different from saving money?
Explain what is meant by retirement planning.
Describe the concept of financial security.
Describe reasons for saving and investing.
Explain the difference between saving and investing.
* Describe the role of regulatory agencies in the investment industry.
* Explain how to buy and sell securities.
* List sources of investment information.
* Describe investment options and how they relate to risk and return.
* Describe investment strategies.
* Explain principles of saving and investing.
* List reasons for savings and investing.
2. Prepare a 4- to 5-minute speech on identity theft. Include these points in the speech along with others you think are important:An explanation of identity theft Types of crimes related to identity theft Statistics about identity theft, such as the number of crimes or people affected Strategies
1. What are two credible resources you can use to find information on identity theft?
21. The process of taking an asset used for collateral, such as a car, and selling it to pay a debt is called .
20. A legal process a creditor can use to force the sale of mortgaged property to repay the mortgage when a borrower does not make mortgage payments is called .
19. The is a federal law that requires that consumers be fully informed about the true cost of credit.
18. A document that gives a person’s credit history and current status with regard to credit and income is called a(n) .
17. A fake offer, sale, or other gimmick, called a(n) , is designed to cheat consumers.
16. Borrowing money using the equity in your home as security is getting a(n) .
15. Records that can be used to support a claim, also known as, can help win an adjustment to a credit account.
14. When a debtor gets behind in making payments, the account is said to be in .
13. A type of bankruptcy called is also known as straight bankruptcy.
12. A federal law, the , prohibits abusive practices when collecting debt.
11. When someone intentionally uses another person’s credit card to steal money, that is called .
10. A(n) is property a debtor is allowed to keep in a bankruptcy proceeding.
9. A proceeding in which a creditor may legally take possession of money or goods held by a third party in payment of a borrower’s debt is called .
8. A court order called a(n) pardons a debtor from paying debts.
7. A remedy or action taken to seek aid, such as for the correction of an error in a credit account, is called .
6. In a type of bankruptcy called , the debtor repays part or all of the unsecured debt over 3 to 5 years.
5. The is a federal law giving consumers the right to know what is in their credit file and to challenge information in the file.
4. A federal law that makes discrimination in the granting or denial of credit illegal is the .
3. is a legal procedure to relieve a person who cannot pay debts of those debts or to create a payment plan for paying some of the debts.
2. The is a federal law requiring creditors to resolve disputes in billing within a specified period of time.
1. Getting a loan to pay off other debts is called .
3. Search for more information to answer these questions:What is the nature of the work this job involves?What is the job outlook for this job?What training or qualifications are needed for this job?What are the median annual earnings for this job?
1. Choose a job in architecture and construction to explore further.
3. You took your car in to have the brakes replaced. When the mechanic did the job, he also found that your muffler needed replacing. You authorized him to do the work. After you got home, you noticed a bill that shows your spouse had the muffler replaced 2 weeks earlier. What do you do?
2. A representative from your bank called and told you about a special offer—a free safe deposit box and a $50 gift—if you upgraded your account. You verified your personal information with the caller.After the call, you phoned the bank to ask a question about the deal, but you found that no
1. You tried to use your credit card, and it was rejected. When you called your credit card company, you were told that your balance is over the limit. You have not used your card in the last week. There should be well over $1,000 worth of credit available on it. What do you do?
10. Describe the process of going to court to file a lawsuit to settle a dispute
9. Describe three types of alternate dispute resolution.
8. List some activities that the law does not allow in the collection of credit debts.
7. List the items that cannot be the basis for discrimination in the granting or denial of credit.
6. Explain the procedures for resolving errors under the Fair Credit Billing Act.
5. List the basic provisions of the Truth-in-Lending Act.
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