08187900 Managing Investments 1. You noticed from the prospectus that the fund you’re considering is advertised as a no-load INVESTMENT COMPANY, but there are fees to cover marketing and distribution expenses. These fees are known as A. loads. C. commissions. B. fund expenses. D. 12(b)-1 fees. 2. You know that MUTUAL FUNDS can emphasize various investment styles or approaches.You’re looking for a diversified portfolio of investment that generates significant capital appreciation and provides current income form interest and dividends. The type of fund you seek is a(n) _______ fund. A. MONEY MARKET mutual C. balanced B. growth-and-income D. bond 3. You’re seeking a fund that mirrors the returns and risks of the Standard & Poor’s 500.You should consider a(n) A. GROWTH FUND. C. balanced MUTUAL FUND. B. stock unit investment trust. D. INDEX FUND. 4. You’re young and have an investment plan that emphasizes growth.You have a high tolerance for risk. A high percentage of your SAVINGS FOR RETIREMENT should be invested in A. MONEY MARKET accounts. C. stocks. B. bonds. D. U.S. Treasury securities. 5. You’re close to retirement and very adverse to risk.You should invest a high percentage of your assets in A. stocks. C. commodities. B. real estate. D. bonds. 6. You’re seeking a diversified portfolio to cope with the various types of investment risks. You’re particularly concerned that the value of your securities may be influenced by the performances of other investors. This risk is referred to as _______ risk. A. market C. INTEREST RATE B. business D. liquidity 7. You learned that if you take more risk you should require a higher rate of return. In evaluating how much extra return you get for taking risk, you compare the return form the investment under consideration to A. risk-free rate of return. B. the compound rate of return. C. the after-tax adjusted rate of return. D. yield to maturity. 8. You’re concerned with the after-tax return from your investments. The lowest tax consequence to a dividend or distribution will be from A. ordinary dividends. C. stock dividends. B. short-term gain distribution. D. long-term gain distribution. 9. The performance ratio that best measures the relative value of your investment in stock is A. return on equity. C. net profit margin. B. price/earnings ratio. D. earnings per share 10. You don’t want to invest in a limited partnership that isn’t listed on an organized exchange because it won’t be easy to sell if you need cash. The risk that best describes this problem is _______ risk. A. event C. financial B. purchasing power D. liquidity 11. You’re concerned with maintaining your standard of living even after the effects of inflation. The risk that best describes this issue is _______ risk. A. event C. market B. purchasing power D. liquidity 12. You’ve purchased stock in a company from the underwriter of the company’s stock after reviewing the prospectus for this initial PUBLIC offering. Theref ...

1. 08187900 Managing Investments
1. You noticed from the prospectus that the fund you’re
considering
is advertised as a no-load INVESTMENT COMPANY, but there
are
fees to cover marketing and distribution expenses. These fees
are known as
A. loads. C. commissions.
B. fund expenses. D. 12(b)-1 fees.
2. You know that MUTUAL FUNDS can emphasize various
investment
styles or approaches.You’re looking for a diversified portfolio
of
investment that generates significant capital appreciation and
provides current income form interest and dividends. The type
of fund you seek is a(n) _______ fund.
A. MONEY MARKET mutual C. balanced
B. growth-and-income D. bond
3. You’re seeking a fund that mirrors the returns and risks of
the Standard & Poor’s 500.You should consider a(n)
A. GROWTH FUND. C. balanced MUTUAL FUND.
B. stock unit investment trust. D. INDEX FUND.
4. You’re young and have an investment plan that emphasizes
growth.You have a high tolerance for risk. A high percentage of
your SAVINGS FOR RETIREMENT should be invested in

2. A. MONEY MARKET accounts. C. stocks.
B. bonds. D. U.S. Treasury securities.
5. You’re close to retirement and very adverse to risk.You
should invest a high percentage of your assets in
A. stocks. C. commodities.
B. real estate. D. bonds.
6. You’re seeking a diversified portfolio to cope with the
various types of investment risks. You’re particularly concerned
that the value of your securities may be influenced by the
performances of other investors. This risk is referred to as
_______ risk.
A. market C. INTEREST RATE
B. business D. liquidity
7. You learned that if you take more risk you should require a
higher rate of return. In evaluating how much extra return you
get for taking risk, you compare the return form the investment
under consideration to
A. risk-free rate of return.
B. the compound rate of return.
C. the after-tax adjusted rate of return.
D. yield to maturity.
8. You’re concerned with the after-tax return from your
investments. The lowest tax consequence to a dividend or
distribution will be from
A. ordinary dividends. C. stock dividends.
B. short-term gain distribution. D. long-term gain distribution.

3. 9. The performance ratio that best measures the relative value of
your investment in stock is
A. return on equity. C. net profit margin.
B. price/earnings ratio. D. earnings per share
10. You don’t want to invest in a limited partnership that isn’t
listed on an organized exchange because it won’t be easy to sell
if you need cash. The risk that best describes this problem is
_______ risk.
A. event C. financial
B. purchasing power D. liquidity
11. You’re concerned with maintaining your standard of living
even after the effects of inflation. The risk that best describes
this issue is _______ risk.
A. event C. market
B. purchasing power D. liquidity
12. You’ve purchased stock in a company from the underwriter
of the company’s stock after reviewing the prospectus for this
initial PUBLIC offering. Therefore, you purchase the stock in
which market?
A. Over-the-counter market C. The New York Stock Exchange
B. The secondary market D. The primary market
13. The price of the majority of stocks has generally been rising
steadily for the past year. This situation is an example of what
kind of market?
A. Bull market C. Growth market
B. Pig market D. Bear market

4. 14. Care should be exercised in selecting a
securities BROKERAGE FIRM even though such firms are
subject to enforcement regulations at the federal level from the
A. National Association of Securities Dealers.
B. Securities Investor Protection Corporation.
C. Securities and Exchange Commission.
D. Securities National Fraud Commission.
15. Which of the following is an advantage of INVESTING IN
MUTUAL FUNDS?
A. MUTUAL FUNDS offer a high level of convenience.
B. MUTUAL FUNDS allow you to target your investment onto
one security.
C. Individual investors personally manage the investment
decisions.
D. MUTUAL FUNDS require a large investment from their
investors.
16. Bonds issued without coupons are called _______ coupon
bonds.
A. no C. negative
B. zero D. unsecured
17. With respect to the return on your portfolio of securities,
what factor will have the most significant impact?
A. Security selection C. Average rating
B. Average maturity D. Asset allocation
18. A no-load fund has no _______ charges.
A. transaction C. management
B. administrative D. tax

5. 19. INVESTMENT COMPANY earnings come from
A. capital gains.
B. dividend from stocks.
C. interest from bonds.
D. interest, dividends, and capital gains.
20. You’ve invested in a fund that holds commercial office
buildings AND APARTMENTS. The fund must distribute its
earning to its shareholders.You own shares in a(n)
A. REAL ESTATE INVESTMENT TRUST.
B. closed-end INVESTMENT COMPANY.
C. unit investment trust.
D. open-end INVESTMENT COMPANY
Running Head: ESSAY ASSIGNMENT
ESSAY ASSIGNMENT
2Essay AssignmentStudent Name
Professor
Course Title
Date
The 14th Amendment
The Constitution's Fourteenth Amendment, approved in 1868,
on a very basic level modified the parity of state and elected
force. It kept states from denying fundamental social liberties
and gave Congress the ability to implement its assurances of
freedom and equity. In the decades taking after Reconstruction,

6. the Supreme Court got antagonistic to the privileges of blacks
and careful about Congressional impedance in states'
undertakings. The Court constrained Congress' social equality
control by barely deciphering the Fourteenth Amendment,
striking down numerous Reconstruction-time social equality
laws, and looking the other route as Southern state governments
efficiently oppressed blacks. After Fourteenth Amendment was
approved the US Congress could now pass enactment that
toppled State laws and maltreated the benefits and immunities
of previous slaves. That was the main change made to the first
proviso. Those that passed and approved the fourteenth
Amendment never expected this statement to amplify the whole
Bill of Rights to the nation and nearby level just Article 4
Section 2 Clause 1 of the Constitution. The Supreme Court has
just endeavored to utilize the Privileges and Immunities
statement of the 14thamendment twice to join the Bill of Rights
(Ray, 2010).
The Fourteenth Amendment comprises of five segments. The
main segment was composed particularly to concede congress
the ability to uphold the Civil Rights Act of 1866. The
remaining four segments of this correction managed different
prevalent issues left over from the Civil War and were included
request guarantee the change might be passed and sanctioned.
Segment one of this change comprises of four statements. The
main statement allowed previous slaves citizenship in the
United States and the State they dwell. This paper will manage
the debate connected with the citizenship provision in a future
article. In this article, the paper will concentrates on statement
two and provision three of this area because the Supreme Court
has referred to each of them in their unconstitutional endeavors
to join the Bill of Rights.
Proviso two of this area is alluded to as the benefits and
immunities condition. This condition is very much alike to
Article Four Section Two Clause One of the US Constitution.

7. The precise significance of benefits and immunities was not
examined in any point of interest throughout the first sacred
gathering because the expression had a reasonable importance
under English Common Law that was seen by the designers of
the Constitution. The composers of the Constitution
comprehended this proviso to mean guests to a specific State
were qualified for certain essential rights that were imparted by
Citizens of every last State. These rights incorporated the right
to unreservedly go in that State, the freedom to create and
implement gets; the right to full and equivalent assurance of all
laws, the right to be secure in their individual and property, the
right be a witness and partake in trials. None of the rights
ensured by this proviso is characteristic rights. The Fourteenth
Amendment stretched out these rights to each resident of United
States freely of State citizenship. It would not matter if the
previous slave States denied State citizenship to blacks.
Segment 1 Clause three of the 14th Amendment is known as the
due procedure condition. This condition is very nearly the
definite double of due procedure statement of the Fifth
Amendment. The condition held in the Fifth Amendment kept
the central government from denying any single person of their
freedom, their life, or their property unless they are attempted
in court, emulating a formal lawful process, and discovered
blameworthily. The duplicate held in the Fourteenth
Amendment stretched out this security down to the State level.
This is the main statement held in the whole Bill of Rights that
was joined to the Federal level by the Fourteenth Amendment.
The point when the States passed laws denying previous slave
of their life, freedom, or property with no due process, the
United States Congress could enact laws upsetting these biased
laws (Williams, 2008).
The expression freedom was utilized as part of both provisions
to pass on particular importance, opportunity. On the off chance
that a person carries out a wrongdoing, they might be sentenced

8. to the misfortune of peoples' opportunity at its most
fundamental level. As such, a person loses his or her freedom.
The Supreme Court has re-composed the meaning of the
statement freedom that was seen by those that passed and
sanctioned both the Fifth and Fourteenth Amendments. As
stated by the new definition made by the Supreme Court,
freedom holds every segment of the initial eight changes of the
Bill of Rights. Because of the contortion of including every
part of the initial eight corrections into the expression freedom
Supreme Court by means of the Fourteenth Amendment,
unconstitutionally consolidated the initial eight alterations
down to the State level. This is an amazing stretch recognizing
the due methodology proviso of the Fourteenth Amendment. It
has the for all intents and purposes the same significance as the
due procedure provision of the Fifth Amendment. In addition,
that is only one statement of one revision of the whole Bill of
Rights (Brian, 2010).
Starting in 1908 the Supreme Court has changed the
significance of different words in the due methodology
statement. That includes the words due procedure, to
specifically join different provisos of the Bill of Rights or fuse
the whole Bill of Rights until the larger part of the Bill of
Rights has been fused down to the State level. In an
extraordinary, numerous cases, this teaching of fuse have
generated appalling outcomes. Because of the joining of the
foundation condition of the First Amendment together with the
instigation of that idea of partition church and state, which is
not discovered anywhere in the Constitution or any change,
open presentations of religion are always being banned. Because
of joining and the production of the right to protection, no
States can keep premature births from happening. Because of
the fuse of the fourth, fifth, and sixth changes various liable
killers and attackers have been set free on details (James,
2009).
References

9. Brian, R. (2010). Government by judiciary: The Fourteenth
Amendment.
Cambridge, Mass.:
Harvard University Press.
James, J. (2009). The framing of the Fourteenth amendment.
Urbana: The University of Illinois
Press.
Ray, B. (2010). 14th Amendment. American Business Law
Journal, 10(1), 81-83.
Williams, M. (2008). Citizenship, Race & the Formation of the
American Constitution: The 14th
Amendment. American Journal of Politics & History, 42(1), 10-
23.