For more classes visit
www.snaptutorial.com
• Question 1
Our system of national banks:
• Question 2
Another name for an open-end investment company is a:
The banking industry appears to be undergoing a renaissance driven by changing consumer behavior and technical innovation. Software is eating the industry. In retrospect, we can see how the first wave of innovation came in areas such as online account access and payments. Changing consumer behavior (such as the shift to mobile) and the use of big data has enabled increasingly complex transactions (such as lending and asset management) to move online. Consumers have largely stopped going to retail branches, and reserve the occasional branch visit for major one-off transactions.
Our first investment in the financial services industry came many years ago with an investment in LendingClub. We put both equity and debt into the company, making a sizable purchase of loans via the platform itself. We saw the company’s potential to bring marketplace dynamics and software disruption to the lending industry. The end goal for borrowers and investors on the platform was simple: lower cost loans for borrowers, increased yields for investors, and high levels of customer satisfaction. As a result, LendingClub has grown into a sizable public company. With experience on the platform and a realization of the potentially transformative nature of this model, we’ve gone on to invest in companies across the online lending space: Kabbage (www.kabbage.com), LendUp (www.lendup.com), and SoFi (www.sofi.com).
The renaissance in financial services has drawn in substantial amounts of venture capital. In the past year alone, the number of fintech deals has grown 16% and the capital funded is up 46%.
While many entrepreneurs develop expertise in the specific segment they intend to disrupt, we’ve noticed that startups usually don’t have the time or resources to look outside their niche and understand how they fit into the larger context of banking and lending markets. To help put the industry in perspective, we developed an overview of the banking industry in the US. What’s remarkable is not only the insights this gives into the financial lives of Americans (be it millenials or seniors), but also the perspective this gives us on the large banks we’ve all come to use. Indeed, consolidation over the last several decades has led the four major banks (JP Morgan, Bank of America, Citigroup, and Wells Fargo) to hold around half of the market’s depository assets.
Today we’re happy to provide the first version of this industry overview. We’ve chosen brevity over depth, so as to provide a snapshot of the overall banking landscape. We’ll continue to iterate on this overview and welcome questions and comments. In subsequent posts, we plan to provide deeper dives into sectors that are of interest to both ourselves and others. We look forward to contributing to what feels like yet another opportunity to be at the front door of history-making companies.
The banking industry appears to be undergoing a renaissance driven by changing consumer behavior and technical innovation. Software is eating the industry. In retrospect, we can see how the first wave of innovation came in areas such as online account access and payments. Changing consumer behavior (such as the shift to mobile) and the use of big data has enabled increasingly complex transactions (such as lending and asset management) to move online. Consumers have largely stopped going to retail branches, and reserve the occasional branch visit for major one-off transactions.
Our first investment in the financial services industry came many years ago with an investment in LendingClub. We put both equity and debt into the company, making a sizable purchase of loans via the platform itself. We saw the company’s potential to bring marketplace dynamics and software disruption to the lending industry. The end goal for borrowers and investors on the platform was simple: lower cost loans for borrowers, increased yields for investors, and high levels of customer satisfaction. As a result, LendingClub has grown into a sizable public company. With experience on the platform and a realization of the potentially transformative nature of this model, we’ve gone on to invest in companies across the online lending space: Kabbage (www.kabbage.com), LendUp (www.lendup.com), and SoFi (www.sofi.com).
The renaissance in financial services has drawn in substantial amounts of venture capital. In the past year alone, the number of fintech deals has grown 16% and the capital funded is up 46%.
While many entrepreneurs develop expertise in the specific segment they intend to disrupt, we’ve noticed that startups usually don’t have the time or resources to look outside their niche and understand how they fit into the larger context of banking and lending markets. To help put the industry in perspective, we developed an overview of the banking industry in the US. What’s remarkable is not only the insights this gives into the financial lives of Americans (be it millenials or seniors), but also the perspective this gives us on the large banks we’ve all come to use. Indeed, consolidation over the last several decades has led the four major banks (JP Morgan, Bank of America, Citigroup, and Wells Fargo) to hold around half of the market’s depository assets.
Today we’re happy to provide the first version of this industry overview. We’ve chosen brevity over depth, so as to provide a snapshot of the overall banking landscape. We’ll continue to iterate on this overview and welcome questions and comments. In subsequent posts, we plan to provide deeper dives into sectors that are of interest to both ourselves and others. We look forward to contributing to what feels like yet another opportunity to be at the front door of history-making companies.
This research re euml xamine of what has been done by other researcher with the object of research on what is different aimed at peaceful and steady to analyze the good vibes this partial as well as simultaneous the amount of its credits micro small and medium enterprises (SMES) and prepare the funds to a third party against operating profit in public credit bank Cirebon district.
The results of the testing of hypotheses first discovered that variable credit small and medium enterprises 0.5456 or by 54,56 % show is influence against operating profit. The results of the testing of hypotheses to two variable third party funds of savings of 0.52134 or by 52,13 % show is influence against operating profit. The results of the testing of hypotheses to three variable third party funds in deposits of 0.5612 or by 56,12 % show is influence against operating profit.
All of the results of the analysis showed in constant of 0.5905 or 59.05%. This credit public bank Cirebon district contribute to the development and growth the small and medium enterprises (SMES) that is in Cirebon district and the rest is the other factors that to affect in out of what researchers do.
Mercer Capital's Bank Watch | February 2020 | Issues for Banks Executing a Ho...Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Investments in Customer Centricity Are Seeing Dividends for Financial Service...1to1 Media
A look at how Retail Banks and Insurance Companies are evolving their product-focused missions into customer-centric strategies for financial gains. www.1to1media.com
Payment practices in America - Practicas de pago en b2 b en AméricaIgnacio Jimenez
Around half of the B2B sales of the respondents in the Americas are made on credit; Brazil shows the widest difference in trade credit practices for domestic and foreign B2B customers
Más información en wwww.Iberinform.es
Funding Sme – The Challenges And Risk Within - MSME FUNDING - NEED FOR ALTERN...Resurgent India
Finance is the lifeline of any enterprise. India has one of most extensive banking networks in the world. Despite, a considerable expansion of the banking infrastructure during the recent years, the provision of finance to grassroot level businesses, scattered across the nation, still remains an enormous challenge. Going ahead, it is also observed that Indian MSMEs have limited access to finance. Majority of the MSMEs operates on the funds of its promoters, thus limiting its growth. The limited or nonavailability of institutional finance at affordable terms is also hindering innovation in the Indian MSMEs.
The information, concepts and analysis contained herein are provided to you on a confidential basis and are
considered proprietary to Global Business Intelligence (GBI). The facts of this Guide are believed to be
correct at the time of publication but cannot be guaranteed. The information herein reflects prevailing market
conditions, listing Sponsor input, and our judgment as of this date, both of which are subject to change. As
such, Global Business Intelligence cannot accept any liability whatsoever for actions taken based on any
information that may subsequently prove to be incorrect.
This Guide is intended as a basis for discussion and thought provoking ideas and does not constitute
recommendations by GBI.
Fin 100 Massive Success / snaptutorial.comNorrisMistryze
• Question 1
Our system of national banks:
• Question 2
Another name for an open-end investment company is a:
• Question 3
_______________ provide loans directly to consumers and businesses and help borrowers obtain mortgage loans on real property.
• Question 4
FIN 405 help A Guide to career/Snaptutorialpinck236
For more classes visit
www.snaptutorial.com
Question 1
In addition to the market-risk premium and a firm-size factor the Fama and French model adds
Question 2
Consider an asset that currently plots below the security market line,
FIN 405 help A Guide to career/Snaptutorialpinck2377
For more classes visit
www.snaptutorial.com
Question 1
In addition to the market-risk premium and a firm-size factor the Fama and French model adds
Question 2
Consider an asset that currently plots below the security market line,
This research re euml xamine of what has been done by other researcher with the object of research on what is different aimed at peaceful and steady to analyze the good vibes this partial as well as simultaneous the amount of its credits micro small and medium enterprises (SMES) and prepare the funds to a third party against operating profit in public credit bank Cirebon district.
The results of the testing of hypotheses first discovered that variable credit small and medium enterprises 0.5456 or by 54,56 % show is influence against operating profit. The results of the testing of hypotheses to two variable third party funds of savings of 0.52134 or by 52,13 % show is influence against operating profit. The results of the testing of hypotheses to three variable third party funds in deposits of 0.5612 or by 56,12 % show is influence against operating profit.
All of the results of the analysis showed in constant of 0.5905 or 59.05%. This credit public bank Cirebon district contribute to the development and growth the small and medium enterprises (SMES) that is in Cirebon district and the rest is the other factors that to affect in out of what researchers do.
Mercer Capital's Bank Watch | February 2020 | Issues for Banks Executing a Ho...Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Investments in Customer Centricity Are Seeing Dividends for Financial Service...1to1 Media
A look at how Retail Banks and Insurance Companies are evolving their product-focused missions into customer-centric strategies for financial gains. www.1to1media.com
Payment practices in America - Practicas de pago en b2 b en AméricaIgnacio Jimenez
Around half of the B2B sales of the respondents in the Americas are made on credit; Brazil shows the widest difference in trade credit practices for domestic and foreign B2B customers
Más información en wwww.Iberinform.es
Funding Sme – The Challenges And Risk Within - MSME FUNDING - NEED FOR ALTERN...Resurgent India
Finance is the lifeline of any enterprise. India has one of most extensive banking networks in the world. Despite, a considerable expansion of the banking infrastructure during the recent years, the provision of finance to grassroot level businesses, scattered across the nation, still remains an enormous challenge. Going ahead, it is also observed that Indian MSMEs have limited access to finance. Majority of the MSMEs operates on the funds of its promoters, thus limiting its growth. The limited or nonavailability of institutional finance at affordable terms is also hindering innovation in the Indian MSMEs.
The information, concepts and analysis contained herein are provided to you on a confidential basis and are
considered proprietary to Global Business Intelligence (GBI). The facts of this Guide are believed to be
correct at the time of publication but cannot be guaranteed. The information herein reflects prevailing market
conditions, listing Sponsor input, and our judgment as of this date, both of which are subject to change. As
such, Global Business Intelligence cannot accept any liability whatsoever for actions taken based on any
information that may subsequently prove to be incorrect.
This Guide is intended as a basis for discussion and thought provoking ideas and does not constitute
recommendations by GBI.
Fin 100 Massive Success / snaptutorial.comNorrisMistryze
• Question 1
Our system of national banks:
• Question 2
Another name for an open-end investment company is a:
• Question 3
_______________ provide loans directly to consumers and businesses and help borrowers obtain mortgage loans on real property.
• Question 4
FIN 405 help A Guide to career/Snaptutorialpinck236
For more classes visit
www.snaptutorial.com
Question 1
In addition to the market-risk premium and a firm-size factor the Fama and French model adds
Question 2
Consider an asset that currently plots below the security market line,
FIN 405 help A Guide to career/Snaptutorialpinck2377
For more classes visit
www.snaptutorial.com
Question 1
In addition to the market-risk premium and a firm-size factor the Fama and French model adds
Question 2
Consider an asset that currently plots below the security market line,
Fin 405 Enthusiastic Study / snaptutorial.comStephenson093
Question 1
In addition to the market-risk premium and a firm-size factor the Fama and French model adds
Question 2
Consider an asset that currently plots below the security market line,
Fin 405 Massive Success / snaptutorial.comNorrisMistryzg
Question 1
In addition to the market-risk premium and a firm-size factor the Fama and French model adds
Question 2
Consider an asset that currently plots below the security market line,
Question 3
Assignment 1 Discussion QuestionThe management of current asset.docxfredharris32
Assignment 1: Discussion Question
The management of current assets and current liabilities in the short run can lead to several challenges for the financial manager. What are some of the more common challenges or problems encountered by the firm in this regard, and what are the possible solutions? Explain your answers.
Assignment 2: Discussion Question
Financial mangers make decisions today that will affect the firm in the future. The dollars used for investment expenditures made today are different from the cash flows to be realized in the future. What are these differences? What are some of the techniques that can be used to adjust for these differences?
Assignment 3: Discussion Question
Valuation of a firm’s financial assets is said to be based on what is expected in the future, in terms of the future performance of the firm, the industry, and the economy. What types of value would you consider when assigning “value” to a firm’s stock or bond? What is the significance of each of the different types of value in the valuation process? Use examples to support your response.
Assignment 4: Discussion Question
The finance department of a large corporation has evaluated a possible capital project using the NPV method, the Payback Method, and the IRR method. The analysts are puzzled, since the NPV indicated rejection, but the IRR and Payback methods both indicated acceptance. Explain why this conflicting situation might occur and what conclusions the analyst should accept, indicating the shortcomings and the advantages of each method. Assuming the data is correct, which method will most likely provide the most accurate decisions and why?
Course Overview (1 of 3)
Defining Finance
Broadly defined, finance is the study of how people manage scarce resources in general, and money and other financial resources in particular. There are two important features that distinguish financial decisions from other types of decisions. The benefits and costs of financial decisions are spread out over time and usually shrouded in uncertainty.
These decisions are made in a financial environment that includes the financial system, institutions, markets, and participants such as individual households, businesses, and governments. It is important to note that a well developed and properly functioning financial system enables the economy to operate efficiently and contributes to the economic growth and development of the country.
Brief History of Finance
Finance emerged as a separate field of study in the U.S. in the early 1900s. At that time finance was taught primarily as a descriptive subject using anecdotes and rules of thumb. The focus at that time was on the formation of new firms, the various types of securities firms can issue to raise funds and the legal aspects of mergers and acquisitions. This continued to be the focus all through the 1920s.
However, during the 1930s the focus shifted to the study of bankruptcy and reorganization, corporate liqu ...
Fin 350 Massive Success / snaptutorial.comNorrisMistryzf
Question 1
Bonds that are secured by personal property are called
Question 2
Leveraged buyouts are commonly financed by the issuance of:
Question 3
Bonds issued by ____ are backed by the federal government.
Question 4
Fin 350 Enthusiastic Study / snaptutorial.comStephenson92
Question 1
Bonds that are secured by personal property are called
Question 2
Leveraged buyouts are commonly financed by the issuance of:
Question 3
Bonds issued by ____ are backed by the federal government.
Marketplace Lending Keynote Luxembourg School of Finance Mark Bell
Marketplace lending as rapidly emerged and grown. Is it a new asset class or a technology front end? The Fintech Forum at the University of Luxembourg's School of Finance keynote explores some of the major ideas and these
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Unit 8 - Information and Communication Technology (Paper I).pdf
FIN 100 help A Guide to career/Snaptutorial
1. FIN 100 - QUIZ 2
To Purchase This Material Click below Link
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• Question 1
Our system of national banks:
2. • Question 2
Another name for an open-end investment company is a:
• Question 3
_______________ provide loans directly to consumers and
businesses and help borrowers obtain mortgage loans on real property.
• Question 4
Legislation that provided for the separation of commercial
banking and investment banking activities in the United States is called
• Question 5
The primary purpose of this Act was to aid the savings and
loan industry
• Question 6
3. The item on the liabilities and equity section of a bank’s
balance sheet that represents the smallest proportion of bank’s assets is:
• Question 7
The likelihood that borrowers are ill and would not be able to
make interest and principal payments is an example of:
• Question 8
The item on the liabilities and equity section of a bank’s
balance sheet that represents the largest proportion of a typical bank’s
assets is:
• Question 9
The Monetary Control Act:
• Question 10
During the colonial period in the nation’s history, banks
depended on:
4. • Question 11
The Board of Governors:
• Question 12
The ___________________ conducts monetary policy for the
twelve European countries that formed the European Monetary Union
and adopted the euro as their common currency at the beginning of 1999.
• Question 13
Approximately __________ of the nation’s commercial banks
are members of the Fed.
• Question 14
The effect of an increase of required reserves by the Fed is:
• Question 15
5. __________________ become the most important and
effective means of monetary and credit control.
• Question 16
The members of the Fed Board of Governors are:
• Question 17
____________________________ prohibits discrimination in
the granting of credit on the basis of sex, marital status, race, color,
religion, national origin, age, or receipt of public assistance.
• Question 18
____________________________ requires disclosure of the
finance charge and the annual percentage rate of credit along with
certain other costs and terms to permit consumers to compare the prices
of credit from differing sources.
• Question 19
6. A central bank serves the nation:
• Question 20
The Federal Open Market Committee:
-------------------------------------
FIN 100 Quiz 1
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7. Question 1
Rational investors would consider an investment in a risky business
venture only if they feel the expected return is high enough to justify the
Question 2
____________________ provide the record-keeping mechanism for
showing ownership of the financial instruments used in the flow of
financial funds between savers and borrowers and record revenues,
expenses, and profitability of organizations that produce and exchange
goods and services.
Question 3 Finance is:
Question 4 Maximizing _____________________ is accomplished
through effective financial planning and analysis, asset management,
and the acquisition of financial capital.
8. Question 5 The primary securities markets are
Question 6 The theory of ___________________ implies that
information is quickly embedded in prices making it difficult for
investors to "beat the market."
Question 7
______________ behavior refers to how an individual or organization
treats others legally, fairly, and honestly.
Question 8 _______________ is the study of how growth-driven,
performance-focused, early-stage (from development through early rapid
growth) firms raise financial capital and manage their operations and
assets.
Question 9
An area of finance that refers to the physical locations or electronic
forums that facilitate the flow of funds among investors, businesses, and
governments is called:
Question 10
The primary goal of the financial manager of a profit-seeking
organization is to:
Question 11
_____________ are very short-term loans, usually with maturities of one
day to one week made between depository institutions.
Question 12
Money decreed to be “legal tender” for the payment of debts is money
backed by:
Question 13
Paper money fully backed by a precious metal and issued by the
government is called:
Question 14
9. The supply of a currency in international markets depends largely on the:
Question 15 Inflation is:
Question 16 A ____________ is a short-term debt instrument issued by
commercial banks in denominations of $100,000 or more with typical
maturities ranging from one month to one year that have an active
secondary market that allows short-term investors to easily match their
cash or liquidity needs when they arise.
Question 17
The three functions of money are:
Question 18
Paper money popularly called continentals was issued by the U.S.
government to help finance which of the following wars?
Question 19
____________ accounts are increasingly used to make direct deposits to
and payments from checkable deposit accounts.
Question 20
The only paper money of significance in the economy today is:
-------------------------------------
FIN 100 QUIZ 1 (1)
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10. Question 1
Maximizing _____________________ is accomplished through
effective financial planning and analysis, asset management, and the
acquisition of financial capital.
• Question 2
The study of how growth-driven, performance-focused, early stage firms
raise financial capital and manage operations and assets is called:
• Question 3
An area of finance that involves the sale or marketing of
securities, the analysis of securities, and the management of investment
risk through portfolio diversification is referred to as:
• Question 4
11. ___________________ are intermediaries, such as banks,
insurance companies, and investment companies that engage in financial
activities to aid the flow of funds from savers to borrowers or investors.
• Question 5
The ______________ is a term used to describe the financial
system, institutions, markets, businesses, individuals, and global
interactions that help the economy operate efficiently
• Question 6
____________________ in business involves making decisions
relating to the efficient use of financial resources in the production and
sale of goods and services.
• Question 7
An area of finance that involves financial planning, asset
management and fund-raising decisions to enhance the value of
businesses is called:
• Question 8
The financial environment:
• Question 9
_______________ is the study of how growth-driven,
performance-focused, early-stage (from development through early rapid
growth) firms raise financial capital and manage their operations and
assets.
• Question 10
The issuing of new securities, mortgages, and other claims to
wealth takes place in the:
• Question 11
Which of the following are not included in M1?
12. • Question 12
The price level of goods and services may be expressed as the
ratio of _____________.
• Question 13
_____________ is a promise of future payment issued by a firm
and guaranteed by a bank that is used to finance international trade with
typical maturities ranging from one to six months.
• Question 14
The supply of a currency in international markets depends
largely on the:
• Question 15
Paper money popularly called continentals was issued by the U.S.
government to help finance which of the following wars?
• Question 16
Token coins are:
• Question 17
A ____________ is a short-term debt instrument issued by
commercial banks in denominations of $100,000 or more with typical
maturities ranging from one month to one year that have an active
secondary market that allows short-term investors to easily match their
cash or liquidity needs when they arise.
• Question 18
If the money supply for an economy is $3 trillion and GDP is
$10 trillion, then the velocity of money is:
• Question 19
When it is a means of paying for goods and services and
discharging debts, money is referred to as a:
• Question 20
13. Deposit money is backed by:
-------------------------------------
FIN 100 QUIZ 1 (2)
To Purchase This Material Click below Link
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Question 1
14. ________________ involves making decisions relating to
issuing and investing in stocks and bonds.
Question 2
Economists use a ___________________ framework to explain
how the prices and quantities of goods and services are determined in a
free-market economic system.
Question 3
The goal of the financial manager in a profit-seeking
organization is to maximize:
Question 4
________________ involves the sale or marketing of securities,
the analysis of securities, and the management of risk through portfolio
diversification.
Question 5
Maximizing _____________________ is accomplished through
effective financial planning and analysis, asset management, and the
acquisition of financial capital.
Question 6
An area of finance that involves the study of organizations or
intermediaries that help the financial system operate efficiently and
transfer funds from savers and investors to individuals, businesses, and
governments that seek to spend or invest the funds in physical assets
(inventories, buildings, and equipment) is called:
Question 7
An area of finance that involves the sale or marketing of
securities, the analysis of securities, and the management of investment
risk through portfolio diversification is referred to as:
Question 8
____________________ provide the record-keeping mechanism
for showing ownership of the financial instruments used in the flow of
financial funds between savers and borrowers and record revenues,
15. expenses, and profitability of organizations that produce and exchange
goods and services.
Question 9
_______________ is the study of how individuals prepare for
financial emergencies, protect against premature death and the loss of
property, and accumulate wealth over time.
Question 10
An area of finance that involves financial planning, asset
management and fund-raising decisions to enhance the value of
businesses is called:
Question 11
Inflation is:
Question 12
Paper money fully backed by a precious metal and issued by the
government is called:
Question 13
The price level of goods and services may be expressed as the
ratio of _____________.
Question 14
Which of the following describes the basic function of money?
Question 15
_____________ is a promise of future payment issued by a firm
and guaranteed by a bank that is used to finance international trade with
typical maturities ranging from one to six months.
Question 16
Money decreed to be “legal tender” for the payment of debts is
money backed by:
Question 17
16. If the money supply for an economy is $3 trillion and GDP is
$10 trillion, then the velocity of money is:
Question 18
Credit money is backed by:
Question 19
Which of the following are not included in M1?
Question 20
The function of money that expresses prices and contracts for
deferred payments in terms of the monetary unit is referred to as:
-------------------------------------
FIN 100 Quiz 1
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17. Question 1
______________ behavior refers to how an individual or organization
treats others legally, fairly, and honestly.
Question 2
The financial environment:
Question 3
The possible conflict between managers and owners is sometimes called
the
Question 4
18. An area of finance that refers to the physical locations or electronic
forums that facilitate the flow of funds among investors, businesses, and
governments is called:
Question 5
The goal of the financial manager in a profit-seeking organization is to
maximize:
Answer
Question 6
________________ involves making decisions relating to issuingand
investing in stocks and bonds.
Question 7
___________________ are intermediaries, such as banks, insurance
companies, and investment companies that engage in financial activities
to aid the flow of funds from savers to borrowers or investors.
Question 8
Two risk assets can be combined to lower the overall risk of a portfolio.
This principle is commonly referred to as
Question 9
Finance is:
Question 10
An area of finance that involves the study of organizations or
intermediaries that help the financial system operate efficiently and
transfer funds from savers and investors to individuals, businesses, and
governments that seek to spend or invest the funds in physical assets
(inventories, buildings, and equipment) is called:
Question 11
19. If the money supply for an economy is $3 trillion and the velocity of
money is 4.5, then GDP is:
Question 12
Credit money is backed by:
Question 13
The savings-investment process
Question 14
A ____________ is a short-term debt instrument issued by commercial
banks in denominations of $100,000 or more with typical maturities
ranging from one month to one year that have an active secondary
market that allows short-term investors to easily match their cash or
liquidity needs when they arise.
Question 15
The only paper money of significance in the economy today is:
Question 16
A measure of the output of goods and services in an economy is called:
Question 17
Money decreed to be “legal tender” for the payment of debts is money
backed by:
20. Question 18
The supply of a currency in international markets depends largely on the:
Question 19
Money market funds are not included in which of the following
definitions of the money supply?
Question 20
Which of the following describes the basic function of money?
-------------------------------------
FIN 100 Quiz 1
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21. Question 1
Rational investors would consider an investment in a risky business
venture only if they feel the expected return is high enough to justify the
Question 2
____________________ provide the record-keeping mechanism for
showing ownership of the financial instruments used in the flow of
financial funds between savers and borrowers and record revenues,
expenses, and profitability of organizations that produce and exchange
goods and services.
Question 3 Finance is:
Question 4 Maximizing _____________________ is accomplished
through effective financial planning and analysis, asset management,
and the acquisition of financial capital.
22. Question 5 The primary securities markets are
Question 6 The theory of ___________________ implies that
information is quickly embedded in prices making it difficult for
investors to "beat the market."
Question 7
______________ behavior refers to how an individual or organization
treats others legally, fairly, and honestly.
Question 8 _______________ is the study of how growth-driven,
performance-focused, early-stage (from development through early rapid
growth) firms raise financial capital and manage their operations and
assets.
Question 9
An area of finance that refers to the physical locations or electronic
forums that facilitate the flow of funds among investors, businesses, and
governments is called:
Question 10
The primary goal of the financial manager of a profit-seeking
organization is to:
Question 11
_____________ are very short-term loans, usually with maturities of one
day to one week made between depository institutions.
Question 12
Money decreed to be “legal tender” for the payment of debts is money
backed by:
Question 13
Paper money fully backed by a precious metal and issued by the
government is called:
Question 14
23. The supply of a currency in international markets depends largely on the:
Question 15 Inflation is:
Question 16 A ____________ is a short-term debt instrument issued by
commercial banks in denominations of $100,000 or more with typical
maturities ranging from one month to one year that have an active
secondary market that allows short-term investors to easily match their
cash or liquidity needs when they arise.
Question 17
The three functions of money are:
Question 18
Paper money popularly called continentals was issued by the U.S.
government to help finance which of the following wars?
Question 19
____________ accounts are increasingly used to make direct deposits to
and payments from checkable deposit accounts.
Question 20
The only paper money of significance in the economy today is:
-------------------------------------
FIN 100 QUIZ 2(1)
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24. • Question 1
An organization that provides loans directly to consumers and
businesses or aid individuals in obtaining financing for durable goods is
called a (n)
• Question 2
The item on the assets side of a bank’s balance sheet that
represents the largest proportion of bank assets is:
• Question 3
25. Legislation that provided for the separation of commercial
banking and investment banking activities in the United States is called
• Question 4
Commercial banks obtain the bulk of their loanable funds from:
• Question 5
The Monetary Control Act:
• Question 6
During the colonial period in the nation’s history, banks
depended on:
• Question 7
The holding-company device to control two or more
commercial banks:
• Question 8
Our system of national banks:
• Question 9
26. _______________ provide loans directly to consumers and
businesses and help borrowers obtain mortgage loans on real property.
• Question 10
Another name for an open-end investment company is a:
• Question 11
The ___________________ conducts monetary policy for the
twelve European countries that formed the European Monetary Union
and adopted the euro as their common currency at the beginning of 1999.
• Question 12
The members of the Fed Board of Governors are:
• Question 13
The Fed shares its depository examining functions with:
• Question 14
27. Approximately __________ of the nation’s commercial banks
are members of the Fed.
• Question 15
The __________________, passed in 1968, requires the clear
explanation of consumer credit costs and garnishment procedures
(taking wages or property by legal means) and prohibits overly high-
priced credit transactions.
• Question 16
The Federal Reserve Banks are owned by:
• Question 17
The dynamic actions of the Federal Reserve System:
• Question 18
The effect of an increase of required reserves by the Fed is:
28. • Question 19
____________________________ requires disclosure of the
finance charge and the annual percentage rate of credit along with
certain other costs and terms to permit consumers to compare the prices
of credit from differing sources.
• Question 20
The Federal Open Market Committee:
-------------------------------------
FIN 100 Quiz 2
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29. Question 1
Another name for an open-end investment company is a:
Question 2
Savings banks have nearly three quarters of their assets in the form of:
Question 3
During the colonial period in the nation’s history, banks depended on:
Question 4
30. Primary reserves
Question 5
The item on the liabilities and equity section of a bank’s balance sheet
that represents the smallest proportion of bank’s assets is:
Question 6
An organization that received contributions from employees and/or their
employers and invests the proceeds on behalf of the employees for use
during their retirement years is called a (n)
Question 7
_______________ provide loans directly to consumers and businesses
and help borrowers obtain mortgage loans on real property.
Question 8
The item on the assets side of a bank’s balance sheet that represents the
largest proportion of bank assets is:
Question 9
An organization that sells or markets new securities issued by businesses
to individuals and institutional investors is called a (n)
Question 10
The holding-company device to control two or more commercial banks:
31. Question 11
The Federal Reserve System exercises its most direct control of the
money supply:
Question 12
The percentage of deposits that must be held as reserves is called
Question 13
The purpose of Regulation Z is to:
Question 14
The Federal Reserve is empowered to encourage depository institutions
to help meet the needs of communities for housing and other purposes:
Question 15
The banking system of the United States is a ___________ reserve
system because banks are required by the Fed to hold reserves equal to a
specified percentage of their deposits.
Question 16
The dynamic actions of the Federal Reserve System:
Question 17
32. The members of the board of directors of each Federal Reserve bank are:
Question 18
The Truth in Lending Act:
Question 19
The Board of Governors:
Question 20
The Federal Reserve Banks are owned by:
-------------------------------------
FIN 100 QUIZ 3(1)
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33. FIN 100 QUIZ # 3
• Question 1
Which of the following instruments generates the largest
amount of funds annually in the credit markets?
• Question 2
The short-term accumulation of financial assets on the part of
business corporations:
34. • Question 3
Which one the following four basic economic units
consistently represents a savings surplus unit?
• Question 4
A saver who chooses securities as a savings medium and
desires maximum safety of principal buys:
• Question 5
Which of the following categories is not considered to be one
of the four basic economic units in the U.S. financial system?
• Question 6
A business loan to Joe’s Hardware Store by a bank represents
which of the following?
35. • Question 7
The personal savings rate is calculated as:
• Question 8
The most important savings surplus unit in the economy is:
• Question 9
The largest category of federal budget outlays is from
• Question 10
During the early years of the life stage of a typical corporation,
the:
• Question 11
In terms of dollar amounts, which of the following represents
the single most important debt instrument bought and sold in the money
market?
36. • Question 12
The liquidity preference theory holds that interest rates are
determined by the:
• Question 13
Federal obligations usually issued for maturities of two to five
years are called:
• Question 14
The basic motives for holding money rather than investments
are the:
• Question 15
A basic source of loanable funds is:
• Question 16
Price inflation has been characteristic of:
37. • Question 17
The average maturity of the marketable debt in the United
States:
• Question 18
The basic price that equates the demand for and supply of
loanable funds in the financial markets is the __________:
• Question 19
When referring to an “upward sloping” yield curve, interest
rates:
• Question 20
Which of the following is not considered to be a basic theory
used to explain the term structure of interest rates?
-------------------------------------
FIN 100 Quiz 3
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• Question 1
Savings are the accumulation of cash and other financial assets
and are generally classified into which of the following two categories?
• Question 2
39. The major factors which influence the level of savings are the
level of:
• Question 3
A business loan to Joe’s Hardware Store by a bank represents
which of the following?
• Question 4
Which of the following instruments generates the largest
amount of funds annually in the credit markets?
• Question 5
Which of the following is the most liquid form of savings?
• Question 6
Which of the following categories is not considered to be one
of the four basic economic units in the U.S. financial system?
• Question 7
What type of investment occurs when claims to wealth in the
form of financial assets are purchased or when debt obligations are
repaid?
40. • Question 8
The short-term accumulation of financial assets on the part of
business corporations:
• Question 9
Which of the following is an example of indirect financing?
• Question 10
The largest category of federal budget outlays is from
• Question 11
Federal obligations usually issued for maturities of two to five
years are called:
• Question 12
Price inflation has been characteristic of:
• Question 13
When referring to a “downward sloping” yield curve:
41. • Question 14
The relationship between interest rates or yields and the time
to maturity for debt instruments of comparable quality is called
• Question 15
The major factor that determines the volume of savings,
corporate as well as individual, is the:
• Question 16
In an inflationary period, interest rates have a tendency to:
• Question 17
As the economy begins moving out of a recessionary period,
the yield curve is generally:
• Question 18
The risk-free interest rate is composed of:
42. • Question 19
When referring to an “upward sloping” yield curve, interest
rates:
• Question 20
The basic price that equates the demand for and supply of
loanable funds in the financial markets is the __________:
-------------------------------------
FIN 100 Quiz 4
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43. • Question 1
The rate of interest actually paid or earned, also called the
annual percentage rate (APR), is the ________ interest rate.
• Question 2
Which of the following terms best describes an annuity due?
• Question 3
44. The future value of a dollar ________ as the interest rate
increases and ________ the farther in the future an initial deposit is to be
received.
• Question 4
A loan that is repaid in equal payments over a specified time
period is referred to as a (n):
• Question 5
Jill Clinton puts $1,000 in a savings passbook that pays 4%
compounded quarterly. How much will she have in her account after
five years?
• Question 6
If $1,000 were invested now at a 12% interest rate
compounded annually, what would be the value of the investment in two
years?
• Question 7
For positive interest rates, the future value interest factor is
45. • Question 8
The present value of a $20,000 perpetuity at a 7 percent
discount rate is
• Question 9
A series of equal payments or receipts that occur at the
beginning of each of a number of time periods is referred to as:
• Question 10
The basic future and present value equations contain four
variables. Which one of the following isnot included?
-------------------------------------
FIN 100 Quiz 5 Chapter 10
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46. • Question 1
Which of the following is considered to be the most risky?
• Question 2
___________________ is often called a hybrid security.
• Question 3
Which of the following bonds can be redeemed prior to maturity
by the firm?
• Question 4
Which of the following is not a component of the Gordon (or
constant dividend growth rate) model for valuing stocks?
• Question 5
47. A (n) _____________ gives the bondholder a claim to specific
assets (identified through serial numbers) such as railroad cars or
airplanes.
• Question 6
In actual practice, most corporate bonds pay interest:
• Question 7
To determine risks of nondomestic bonds, a multinational
corporation must consider all but which one of the following risks?
• Question 8
A current yield on a corporate bond is calculated as:
• Question 9
The terms or covenants of a bond contract are set out in which of
the following documents?
• Question 10
A bond that does not permit future bond issues to be secured by
any of the assets pledged as security to it is called a (n):
-------------------------------------
FIN 100 QUIZ 5
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48. • Question 1
Which of the following types of stocks have the lowest risk to
shareholders?
• Question 2
A bond that does not permit future bond issues to be secured by
any of the assets pledged as security to it is called a (n):
• Question 3
An individual or organization that represents the bondholders to
ensure the indenture’s provisions are respected by the bond issuer is
called a (n):
• Question 4
49. Which of the following bond types would describe unsecured
obligations that depend on the general credit strength of the corporation?
• Question 5
A document which is administered by a trustee, and includes in
great detail the various provisions of the loan agreement is called the:
• Question 6
When the market interest rate rises for a particular quality of
bond, the price of the bond falls, which gives investors a new:
• Question 7
A bond’s value is the same as its principal amount when the
coupon rate is:
• Question 8
A bond that allows investors to force the issuer to redeem the
bond prior to maturity is called a:
• Question 9
Which of the following is considered to be the most risky?
• Question 10
Which of the following bonds has the greatest interest rate risk?
-------------------------------------
FIN 100 Quiz 6
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50. • Question 1
For a given accounting period, which of the following is likely to
represent primarily variable costs?
• Question 2
A limited partnership is comprised of:
• Question 3
Generally accepted accounting principles are formulated by the:
• Question 4
For corporations, the principal-agent relationship usually refers
to the relationship between:
• Question 5
A business organization that receives the limited liability of a
corporation but is taxed as a proprietorship or partnership is called a:
51. • Question 6
The average tax rate on a corporation with $75,000 in income
and a tax liability of $15,000 is:
• Question 7
The current liabilities of a business may include:
• Question 8
Of the following forms of organization, which businesses are the
greatest in numbers?
• Question 9
The depreciation method currently used for tax purposes today is
called the:
• Question 10
Corporate stockholders:
• Question 11
Which of the following is not a variable cost?
• Question 12
Which one of the following types of ratios indicates the ability to
meet short-term obligations to creditors as they come due?
• Question 13
_____________ costs are a function of quantity sold, not time.
• Question 14
Cost-volume-profit analysis can be used to estimate the firm’s
operating profits at different levels of:
• Question 15
________ evidence of the existence of a problem or outstanding
management performance is provided by ratio analysis.
• Question 16
52. As part of the measurement of financial leverage, the total debt
ratio is calculated as:
• Question 17
The method of calculating return on assets which highlights the
importance of sales, profit margin, and asset turnover is known as:
• Question 18
_____________ costs are a function of time (not sales) and are
generally contractual.
• Question 19
Which one of the following ratios indicates the average number
of days that sales are outstanding?
• Question 20
The ability of a firm to meet its short-term debt obligations as
they come due is indicated by which of the following ratios:
-------------------------------------
FIN 100 quiz 7 wk 8
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53. QUESTION 1
Current liabilities would not include:
• QUESTION 2
Of the following forms of business organization, which have
stockholders with limited liability?
• QUESTION 3
A business organization that receives the limited liability of a
corporation but is taxed as a proprietorship or partnership is called a:
• QUESTION 4
Which one of the following alternatives is commonly used to
reduce agency problems as they relate to corporate control?
• QUESTION 5
54. Which of the following business organizations limit the liability
of some or all of their owners to the extent of their investment in the
company?
• QUESTION 6
The actual disbursement of cash is recorded in which of the
following financial statements?
• QUESTION 7
On the income statement, gross profit is defined as:
• QUESTION 8
What would be recorded in the common stock account on the
balance sheet if 20,000 shares are issued at a par value of $2 and the
market value is $5?
• QUESTION 9
The average tax rate on a corporation with $75,000 in income
and a tax liability of $15,000 is:
• QUESTION 10
Generally accepted accounting principles are formulated by the:
• QUESTION 11
As part of the measurement of financial leverage, the total debt
ratio is calculated as:
• QUESTION 12
Which one of the following financial statements reports a firm’s
assets and the claims on assets?
• QUESTION 13
The method of calculating return on assets which highlights the
importance of sales, profit margin, and asset turnover is known as:
• QUESTION 14
If a firm's sale price per unit decreases, the firm's operating
breakeven point will
55. • QUESTION 15
The ________ method of developing a pro forma income
statement forecasts sales and values for the cost of goods sold, operating
expenses, and interest expense that are expressed as a ratio of projected
sales.
• QUESTION 16
Which one of the following ratios indicates the average number
of days that sales are outstanding?
• QUESTION 17
Which of the following is not a variable cost?
• QUESTION 18
Ratios used to compare different firms at the same point in time
belong to a category of analysis called:
• QUESTION 19
The extent to which assets are financed by borrowed funds and
other liabilities is indicated by:
• QUESTION 20
If a firm's variable cost per unit increases, the firm's operating
breakeven point will
-------------------------------------
FIN 100 Quiz 7
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1. One way a firm can reduce the amount of cash it needs in any one
month is to
2. Holding all other factors constant, if a firm increases its current
assets relative to total assets,
3. One type of investment that would not be suitable for marketable
securities would be:
4. The portion of current assets financed through long-term financing
is referred to as the:
57. 5. The ________ is the time period that elapses from the point when
the firm makes the outlay to purchase raw materials on account to the
point when payment is made to the supplier of the goods.
6. A firm’s excess cash balance during a particular month could be
best deployed if it were
7. Deposits placed in foreign banks that remain denominated in U.S.
dollars are called:
8. If a firm purchases materials on credit and thus has accounts
payable, its cash conversion cycle will be:
9. The principle of hedging calls for the matching of a firm’s average:
10. The current ratio concept is particularly useful in:
11. Compensating balances at a commercial bank are:
12. The cost of trade credit involving cash discounts as a form of short-
term financing is:
13. A short-term bank loan that is unsecured is referred to as:
14. Under ___________________ a factor pays the firm for its
receivables before the account due date.
15. The most important reason for directly issuing or using commercial
paper dealers is:
16. A short-term promissory note sold by high-credit-quality
corporations and is backed solely by the credit quality of the issuer is
called:
17. The factoring of receivables:
18. A __________________ is a claim against a customer’s inventory
when the individual items are indistinguishable.
19. The purchaser may deduct 2% from the purchase price if payment
is made within 10 days; but if not paid within 10 days, the net amount of
the purchase is due within 30 days. The sale is made on what terms?
20. Firms who wish to obtain short-term secured loans generally have
two major current assets available as collateral in the form of:
-------------------------------------
FIN 100 Quiz 8 Ch. 17 and 18
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• Question 1
The IRR
• Question 2
The process of allocating funds among competing investment
opportunities is referred to as:
• Question 3
59. The corporate planning tool that develops project plans that fit
well with the firm’s plans is often referred to by the following acronym:
• Question 4
An examination of a firm’s opportunities, strengths, threats and
weaknesses is often referred to by the following acronym:
• Question 5
The stage in the capital budgeting process that involves applying
the appropriate capital budgeting techniques to help make a final accept
or reject decision is called the _____________ stage.
• Question 6
Capital budgeting is
• Question 7
When considering the time value of money, which of the
following four methods of project evaluation would appear to be the
least satisfactory?
• Question 8
In calculation of a payback period, what use is made of cash
flows occurring after the end of the payback period?
• Question 9
The ratio between the present value of a project’s cash inflows
and the present value of its initial investment is called the:
• Question 10
The capital-budgeting process starts with which one of the
following stages:
• Question 11
When retained earnings are used up and new common stock is
issued, we know that the cost of:
• Question 12
As a general rule, the capital structure that maximizes stock price
also:
60. • Question 13
Smith Company has a degree of operating leverage of 5, while
Johnson Company has a degree of operating leverage of 2. Supplied
with this knowledge, pick the response below that is most typical of
Johnson Company.
• Question 14
Corporate debt as a percentage of GDP grew from around
______ in 1970 to nearly ______ in 2007.
• Question 15
Which of the following is not used in the weighted average cost
of capital equation?
• Question 16
Which of the following costs must be adjusted to an after-tax
cost?
• Question 17
The firm’s target capital structure is consistent with which of the
following?
• Question 18
A decrease in the debt ratio will normally have no effect on:
• Question 19
A firm’s business risk is measured by the variability in which
one of the following over time:
• Question 20
-------------------------------------
FIN 100 Quiz 8
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• Question 1
Positive NPV projects may originate from cost saving projects such as
those that
• Question 2
The final step in the capital budgeting process is
• Question 3
The corporate planning tool that develops project plans that fit well with
the firm’s plans is often referred to by the following acronym:
• Question 4
62. When the net present value is negative, the internal rate of return is
__________ the cost of capital.
• Question 5
Your company owns land in a busy shopping district. If the chair of the
company’s board of directors thinks they can build a plant on that land
and that the land will incur no additional cost, the chair fails to take into
account:
• Question 6
The stage in the capital budgeting process that involves applying the
appropriate capital budgeting techniques to help make a final accept or
reject decision is called the _____________ stage.
• Question 7
When considering the time value of money, which of the following four
methods of project evaluation would appear to be the least satisfactory?
• Question 8
The internal rate of return concept is best explained by which of the
following?
• Question 9
The time required for the cumulative cash flows from a project to equal
zero is called the:
• Question 10
Unlike other corporations undertaking the capital budgeting process,
___________ need to consider possible added political and economic
risks such as the possibility of seizure of assets, unstable currencies,
foreign exchange controls and foreign tax regulations.
• Question 11
A firm’s degree of combined leverage can be measured as degree of
operating leverage __________ the degree of financial leverage:
• Question 12
Of the components shown below, which is least likely to be of value in
calculating the cost of preferred stock?
• Question 13
63. The estimate of how quickly a firm may grow by maintaining a constant
mix of debt and equity is called:
• Question 14
The cost of debt:
• Question 15
In calculating the cost of new common stock using the constant dividend
growth model, it is important that the __________ are subtracted from
the price of the stock.
• Question 16
The cost of retained earnings is:
• Question 17
As a general rule, the capital structure that maximizes stock price also:
• Question 18
A firm’s mix of debt and equity defines the firm’s:
• Question 19
A decrease in the debt ratio will normally have no effect on:
• Question 20
Which of the following is not used in the weighted average cost of
capital equation?
-------------------------------------
FIN 100 quiz 10
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64. Question 2
If a firm purchases materials on credit and thus has accounts
payable, its cash conversion cycle will be:
Question 3
Deposits placed in foreign banks that remain denominated in
U.S. dollars are called:
65. Question 4
Calculation of a firm’s average collection period is the same as
calculating the:
Question 5
___________ are short-term money market investments that
are extremely safe and liquid; they can be quickly converted into cash at
values very close to their intrinsic values.
Question 6
A negative cash conversion cycle indicates that the
Question 7
The key input to the short-run financial planning process that
is easiest to estimate is
Question 8
66. One type of investment that would not be suitable for
marketable securities would be:
Question 9
Holding all other factors constant, if a firm increases its
current liabilities relative to total assets,
Question 10
The portion of current assets financed through long-term
financing is referred to as the:
Question 11
Commercial paper dealers:
Question 12
Firms who wish to obtain short-term secured loans generally
have two major current assets available as collateral in the form of:
67. Question 13
A revolving credit agreement is a:
Question 14
Permanent current assets are:
Question 15
A short-term promissory note sold by high-credit-quality
corporations and is backed solely by the credit quality of the issuer is
called:
Question 16
Commercial finance companies:
Question 17
The cost of trade credit involving cash discounts as a form of
short-term financing is:
Question 18
68. The purchaser may deduct 2% from the purchase price if
payment is made within 10 days; but if not paid within 10 days, the net
amount of the purchase is due within 30 days. The sale is made on what
terms?
Question 19
Commercial paper issued by large U.S. corporations is backed
by:
Question 20
The most important reason for directly issuing or using
commercial paper dealers is:
-------------------------------------
FIN 100 Week 2 Assignment 1 Complexities of the
U.S. Financial System
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69. The U.S. financial system has many complexities, and it is impacted by
several environmental factors, including federal regulations and the
economy.
Write a two (2) page paper in which you:
1.Briefly describe one (1) way the U.S. financial markets impact the
economy, one (1) way the U.S. financial markets impact businesses, and
one (1) way the U.S. financial markets impact individuals.
2.Briefly explain the primary roles of the U.S. Federal Reserve, the
Federal Reserve Chairman, and the Federal Reserve Board. Indicate
each party’s effectiveness in today’s economic environment. Provide
support for your explanation.
70. 3.Briefly explain two (2) ways interest rates influence the U.S. and
global financial environment. Provide at least one (1) example of such
influence for both the U.S. financial environment and one (1) example
for the global financial environment.
Your assignment must follow these formatting requirements:
•Be typed, double spaced, using Times New Roman font (size 12), with
one-inch margins on all sides; citations and references must follow APA
or school-specific format. Check with your professor for any additional
instructions.
•Include a cover page containing the title of the assignment, the
student’s name, the professor’s name, the course title, and the date. The
cover page and the reference page are not included in the required
assignment page length.
The specific course learning outcomes associated with this assignment
are:
•Discuss the key concepts related to money, monetary systems, and
money supply.
•Describe the function of the Federal Reserve, its composition, and other
key policy makers that influence the financial system.
•Explain the international monetary system, exchange rates, and the
related impact on international trade.
•Use technology and information resources to research issues in finance.
•Write clearly and concisely about finance using proper writing
mechanics.
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FIN 100 Week 5 Quiz 3 Chapters 7 and 8
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1. Which of the following is a debt security whose payments originate
from other loans, such as credit card debt, auto loans, and home equity
loans?
2. Which of the following is a legal contract that outlines the precise
terms between the issuer and the bondholder?
3. You would like to sell 100 shares of Pfizer, Inc. (PFE). The current
bid and ask quotes are $27.22 and $27.25, respectively. You place a
limit sell-order at $27.24. If the trade executes, how much money do you
receive from the buyer?
72. 4. Which of the following terms is a comparison of market yields on
securities, assuming all characteristics except maturity are the
same?$27.24 per share times 100 shares = $2,724.00
5. The Dow Jones Industrial Average (DJIA) includes:
6. Which of the following is a true statement?
7. A 5.5 percent corporate coupon bond is callable in four years for a
call premium of one year of coupon payments. Assuming a par value of
$1,000, what is the price paid to the bondholder if the issuer calls the
bond? (Assume annual interest payments.)
8. As residual claimants, which of these investors claim any cash flows
to the firm that remain after the firm pays all other claims?
9. The NASDAQ Composite includes:
10. Determine the interest payment for the following three bonds: 5.5
percent coupon corporate bond (paid semi-annually), 6.45 percent
coupon Treasury note, and a corporate zero coupon bond maturing in 10
years. (Assume a $1,000 par value.)
11. Which of the following will only be executed if the order's price
conditions are met?5.5 percent coupon corporate bond (paid semi-
annually): 0.5 × 5.5% × $1,000 = $27.50
6.45 percent coupon Treasury note: 0.5 × 6.45% × $1,000 = $32.25
corporate zero coupon bond maturing in 10 years: 0% × $1,000 = $0
12. Which of these statements is false?
13. The Dow Jones Industrial Average (DJIA) includes:
14. Pfizer, Inc. (PFE) has earnings per share of $2.09 and a P/E ratio of
11.02. What is the stock price?
15. Which of the following terms is the chance that the bond issuer will
not be able to make timely payments?
16. Which of these investors earn returns from receiving dividends and
from stock price appreciation?
73. 17. Which of the following determines the dollar amount of interest
paid to bondholders?
19. We can estimate a stock's value by:18. Which of these investors
earn returns from receiving dividends and from stock price appreciation?
20. Consider the following three bond quotes; a Treasury note quoted at
87:25, and a corporate bond quoted at 102.42, and a municipal bond
quoted at 101.45. If the Treasury and corporate bonds have a par value
of $1,000 and the municipal bond has a par value of $5,000, what is the
price of these three bonds in dollars?
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FIN 100 Week 7 Quiz 5
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74. • Question 1
When the market interest rate rises for a particular quality of
bond, the price of the bond falls, which gives investors a new:
• Question 2
Which of the following bonds has the greatest interest rate risk?
• Question 3
In actual practice, most corporate bonds pay interest:
• Question 4
A (n) _____________ gives the bondholder a claim to specific
assets (identified through serial numbers) such as railroad cars or
airplanes.
• Question 5
75. A document which is administered by a trustee, and includes in
great detail the various provisions of the loan agreement is called the:
• Question 6
A current yield on a corporate bond is calculated as:
• Question 7
A bond that can be changed into a specified number of shares of
the issuer’s common stock is called a:
• Question 8
A bond that does not permit future bond issues to be secured by
any of the assets pledged as security to it is called a (n):
• Question 9
Which of the following is not a component of the Gordon (or
constant dividend growth rate) model for valuing stocks?
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FIN 100 Week 8 Assignment 2 Business Financing
and the Capital Structure
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76. Assignment 2: Business Financing and the Capital Structure
Due Week 8 and worth 240 points
Businesses have to make many financial decisions that have a direct
impact on operations and the ability to successfully compete in the
marketplace. Base your writing on the information from the course
coupled with information located in the Strayer databases or Internet.
Write a two to three (2-3) page paper in which you:
1.Assume that you are financial advisor to a business. Describe the
advice that you would give to the client for raising business capital using
both debt and equity options in today’s economy. Outline the major
77. advantages and disadvantages of each option.
2.Summarize the advice that you would give the client on selecting an
investment banker to assist the business in raising this capital.
3.Explain the historical relationships between risk and return for
common stocks versus corporate bonds. Explain the manner in which
diversification helps in risk reduction in a portfolio. Support response
with actual data and concepts learned in this course.
4.Use at least one (1) quality references. Note: Wikipedia and other
Websites do not quality as academic resources. However, you may use
data sources, such as Yahoo Finance.
Your assignment must follow these formatting requirements:
•Be typed, double spaced, using Times New Roman font (size 12), with
one-inch margins on all sides; citations and references must follow APA
or school-specific format. Check with your professor for any additional
instructions.
•Include a cover page containing the title of the assignment, the
student’s name, the professor’s name, the course title, and the date. The
cover page and the reference page are not included in the required
assignment page length.
The specific course learning outcomes associated with this assignment
are:
•Describe the characteristics and valuation of stocks and bonds, and how
each is a key component in the financing of corporations.
•Describe the key elements of the securities markets, and how the
markets drive financial transactions, decision making, and risk analysis.
•Use technology and information resources to research issues in finance.
•Write clearly and concisely about finance using proper writing
mechanics.
Click here to view the grading rubric for this assignment.
-------------------------------------
78. FIN 100 Week 9 Assignment 2 Capital Budgeting
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Assignment 2: Capital Budgeting
Due Week 9 and worth 240 points
Futronics Inc. is a $2 billion firm that sells communications services.
Founded in 1937, Futronics has provided consumer products, as well as
government systems and services, for well over half a century. Due to a
79. sharp increase in competition, flattened sales, and external economic
conditions, Futronics is implementing a corporate overhead reduction
program. The proposal is to replace the company’s central office stores
with outside vendors. The investment will cost $1,000,000 and yield
incremental cash flows of $450,000 in year one (1), $350,000 in year
two (2), $300,000 in year three (3), and $250,000 in year four (4). There
is no salvage value of the asset, and the firm has a cost of capital of 8%.
Write a two to three (2-3) page paper in which you:
Calculate the net present value, internal rate of return, and simple
payback. Next, determine the effect that each of the three (3) values will
have on the company.
Explain one to two (1-2) investment gains that the company could
achieve by outsourcing the central office functions. Focus on the
company’s potential to reduce overhead and still maintain or even
improve the quality of its products.
Discuss one (1) capital budgeting method that would be most effective
for the company. Next, discuss one (1) capital budgeting method that
would have the least value for the company as compared to others.
Provide a rationale for your response.
Use at least one (1) quality reference. Note: Wikipedia and similar
Websites do not qualify as academic resources.
Your assignment must follow these formatting requirements:
Be typed, double spaced, using Times New Roman font (size 12), with
one-inch margins on all sides; citations and references must follow APA
or school-specific format. Check with your professor for any additional
instructions.
Include a cover page containing the title of the assignment, the student’s
name, the professor’s name, the course title, and the date. The cover
page and the reference page are not included in the required assignment
page length.
The specific course learning outcomes associated with this assignment
are:
80. Describe the characteristics and valuation of stocks and bonds, and how
each is a key component in the financing of corporations.
Describe the risk versus return trade-off and identify the techniques used
to measure risk.
Explain the capital budgeting process, how project cash flow is
determined and valued, and how project risk influences decision making.
Use technology and information resources to research issues in finance.
Write clearly and concisely about finance using proper writing
mechanics.
-------------------------------------
FIN 100 Week 9 Quiz 6
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81. • Question 1
The actual disbursement of cash is recorded in which of the
following financial statements?
• Question 2
A business organization that receives the limited liability of a
corporation but is taxed as a proprietorship or partnership is called a:
• Question 3
On the income statement, operating profit is defined as:
• Question 4
The average tax rate on a corporation with $75,000 in income
and a tax liability of $15,000 is:
82. • Question 5
The accrued liabilities of a firm are:
• Question 6
A limited partnership is comprised of:
• Question 7
Generally accepted accounting principles are formulated by the:
• Question 8
Of the following forms of business organization, which have the
advantage of limited liability but no stockholders?
• Question 9
The term ___________ conveys a relationship of equality
between the assets of the business and the sources of funds for their
acquisition.
• Question 10
On the balance sheet, total assets minus net fixed assets equals:
• Question 11
Rental or lease payments are included in which one of the
following ratios?
• Question 12
The extent to which assets are used to support sales is indicated
by which of the following ratios:
• Question 13
The price/earnings ratio (P/E) is calculated as:
• Question 14
Which one of the following types of ratios indicates the ability to
meet short-term obligations to creditors as they come due?
• Question 15
83. Which one of the following ratios indicates the average number
of days that sales are outstanding?
• Question 16
Cost-volume-profit analysis can be used to estimate the firm’s
operating profits at different levels of:
• Question 17
The method of calculating return on assets which highlights the
importance of sales, profit margin, and asset turnover is known as:
• Question 18
The extent to which assets are financed by borrowed funds and
other liabilities is indicated by:
• Question 19
_____________ costs are a function of time (not sales) and are
generally contractual.
• Question 20
The ability of a firm to meet its short-term debt obligations as
they come due is indicated by which of the following ratios:
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FIN 100 Week 10 Assignment Careers in Finance
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84. Finance is an exciting field in need of intelligent, skilled people. The job
opportunities range from corporate finance; financial planning;
investment banking; insurance; and real estate from individuals,
institutions, government, and businesses. Finance managers acquire,
spend, and manage money and other financial assets.
Use the Internet and / or Strayer Resource Center to research career
options within the field of finance. Consider the Bureau of Labor
Statistics Website, and the Websites of finance professional associations
such as the Association for Financial Professionals (AFP), Society of
Financial Service Professionals (SFSP), The National Association for
Personal Financial Advisors (NAPFA), and Financial Management
Association International (FMA).
85. Write a two to three (2-3) page paper in which you:
Describe two (2) financial career options that an individual with a
finance education might pursue and explain the value that such a
position adds to a company.
Explain the essential skills that would make a person successful in each
of the described positions.
Recommend one (1) of the career options. Identify the most attractive
features of the position.
Format your assignment according to the following formatting
requirements:
Typed, double spaced, using Times New Roman font (size 12), with
one-inch margins on all sides.
Include a cover page containing the title of the assignment, the student’s
name, the professor’s name, the course title, and the date. The cover
page is not included in the required page length.
The specific course learning outcomes associated with this assignment
are:
Describe the forms of business organizations and the role of financial
managers within an organization.
Use technology and information resources to research issues in finance.
Write clearly and concisely about finance using proper writing
mechanics.
Grading for this assignment will be based on answer quality, logic /
organization of the paper, and language and writing skills. Clickhere to
view the grading rubric.
-------------------------------------
FIN 100 Week 10 Quiz 7
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1. Marketable securities are held primarily to meet:
2. The key input to the short-run financial planning process that is
easiest to estimate is
3. Taking advantage of unusual cash discounts or price bargains is an
example of the:
4. Sources of short-term financing such as accounts payable, notes
payable, and accruals should be used to finance:
5. Calculation of a firm’s average collection period is the same as
calculating the:
6. In the cash budget, the firm’s final sales forecast us usually a
function of
7. The goal of a company’s cash management policy is to
87. 8. The current ratio concept is particularly useful in:
9. The principle of hedging calls for the matching of a firm’s average:
10. Deposits placed in foreign banks that remain denominated in U.S.
dollars are called:
11. Commercial banks lend unsecured short-term funds in the
following three basic ways:
12. Commercial finance companies:
13. If a firm actually sells its accounts receivable, the process is known
as:
14. The most important reason for directly issuing or using commercial
paper dealers is:
15. Commercial paper issued by large U.S. corporations is backed by:
16. Permanent current assets are:
17. The purchaser may deduct 2% from the purchase price if payment
is made within 10 days; but if not paid within 10 days, the net amount of
the purchase is due within 30 days. The sale is made on what terms?
18. The cost of trade credit involving cash discounts as a form of short-
term financing is:
19. Which of the following are typical financing strategies used by
businesses?
20. The most frequently cited justification for requiring a compensating
balance is:
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FIN 100 Week 11 quiz 8 chapters 17
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88. When the net present value is negative, the internal rate of return is
__________ the cost of capital.
The process of allocating funds among competing investment
opportunities is referred to as:
The stage in the capital budgeting process that requires estimating
relevant cash inflows and outflows and discussing the pros and cons of
each project is called the _____________ stage.
When the net present value for a project is negative, the internal rate of
return is _________ the cost of capital.
As a rule, independent projects are accepted if the internal rate of return
is greater than or equal to:
Capital budgeting is
The time required for the cumulative cash flows from a project to equal
zero is called the:
89. The method that calculates the ratio of the present value of the positive
cash flows of a project to the absolute value of the present value of the
negative cash flows is called the:
Positive NPV projects may originate from cost saving projects such as
those that
Your company owns land in a busy shopping district. If the chair of the
company’s board of directors thinks they can build a plant on that land
and that the land will incur no additional cost, the chair fails to take into
account:
Which of the following is not used in the weighted average cost of
capital equation?
The hypotheses that states that firms try to time the market by issuing
stocks when stock prices are high and repurchasing shares when prices
are low is called:
A decrease in the debt ratio will normally have no effect on:
A firm’s mix of debt and equity defines the firm’s:
Given the conflict between risk and return, the purpose of capital
structure management is to find the debt level:
Smith Company has a degree of operating leverage of 5, while Johnson
Company has a degree of operating leverage of 2. Supplied with this
knowledge, pick the response below that is most typical of Johnson
Company.
As a general rule, the capital structure that maximizes stock price also:
Other factors being constant, higher fixed financial costs mean:
What should be the relation between the target capital structure for a
firm and the firm’s optimum capital structure?
Which of the following is a different concept from the other three?
-------------------------------------
FIN 100 Week 11 Quiz
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1. With independent projects, NPV and IRR provide identical
accept/reject decisions. If, however, you have two mutually exclusive
projects to evaluate, the most accurate thing you could say about the
eventual results is that:
2. Internal rate of return (IRR) and net present value (NPV) methods:
3. The final step in the capital budgeting process is
4. The stage in the capital budgeting process that involves applying
the appropriate capital budgeting techniques to help make a final accept
or reject decision is called the _____________ stage.
5. Which one of the following capital-budgeting evaluation
techniques is based on finding a discount rate which causes the net
present value to be zero?
91. 6. The process of allocating funds among competing investment
opportunities is referred to as:
7. Which one of the following best explains the impact on a firm that
accepts a project with a negative NPV?
8. When considering the time value of money, which of the
following four methods of project evaluation would appear to be the
least satisfactory?
9. When the net present value for a project is negative, the internal
rate of return is _________ the cost of capital.
10. The relevant cash flows of a project do not include which one of the
following?
11. Of the components shown below, which is least likely to be of
value in calculating the cost of preferred stock?
12. A firm’s mix of debt and equity defines the firm’s:
13. When retained earnings are used up and new common stock is
issued, we know that the cost of:
14. As a general rule, the capital structure that maximizes stock price
also:
15. A firm’s degree of combined leverage can be measured as degree of
operating leverage __________ the degree of financial leverage:
16. The estimate of how quickly a firm may grow by maintaining a
constant mix of debt and equity is called:
17. A firm’s business risk is measured by the variability in which one
of the following over time:
18. The hypotheses that states that firms try to time the market by
issuing stocks when stock prices are high and repurchasing shares when
prices are low is called:
19. A decrease in the debt ratio will normally have no effect on:
20. The degree of financial leverage measures the sensitivity of
__________ to changes in __________.
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