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Questions and Answers of
Personal Finance
What is correlation? How do the correlations among investments impact the volatility of the overall portfolio?
How does the volatility of each individual investment impact the volatility of the overall portfolio?
What is a portfolio? How can a portfolio help you to reduce risk?
What is asset allocation? Why is it important to allocate your assets across many different types of investments?
Describe how investment decisions may vary with your personal situation.
Describe the return–risk trade-off among real estate investments.
What is a bond default? How do mutual fund investments help address the issues caused by a bond default?
Describe the return–risk trade-off among mutual funds composed of stocks.
Describe the return–risk trade-off among bonds.
Describe the return–risk trade-off among stocks.
Describe the return–risk trade-off? What is a risk premium? How do you calculate the risk premium?
Why do we use subjective measures of risk in addition to range of returns, standard deviation, and beta?
Define and describe beta.
Define and describe standard deviation.
Define and describe range of returns.
Define and differentiate between unsystematic risk and systematic risk.
How is your wealth influenced by your return on investment?
Explain how differing tax rates affect your return from different types of income.
How do you calculate the return on your investment? How does the calculation change when you also earn dividend income and/or interest income?
What are the two ways in which you earn a return on a real estate investment? Why is it difficult to measure the return that you earn on your home?
What is a mutual fund? What are the two ways in which you earn a return on a mutual fund investment?
What are bonds? What are the two ways in which you earn a return on a bond investment?
Define and differentiate between common stock and preferred stock.
What are the circumstances that determine the market price of a stock?
How do you calculate the price of a share of stock?
Define and describe an income stock.
Define and describe a value stock.
Define and describe a growth stock.
Describe the features of a dividend distribution.
What are the two ways in which you earn a return on a stock investment?
What is the difference between a day trader and other individual investors?
Define and describe an individual investor.
Define and describe an institutional investor.
Define and describe a secondary market.
What is the primary market? What is an initial public offering (IPO)?
Describe money market securities.
What should you do before investing any money? Explain.
1. Regarding Brad’s auto insurance decision, comment on:a. His plan to add different types of coverage to his auto insurance policy.b. The associated costs of adding different types of coverage to
Wendy and Frank Cotroni, ages 30 and 35, plan to purchase life insurance. Wendy does not have any coverage, while Frank has a $150 000 policy at work. The Cotronis have two children, ages three and
Adam and Heidi Larrsson were delighted when Adam landed a new job with a promotion and an increased salary, but disappointed to learn that he would not be eligible for group benefits for the first 90
The Balderson family has a basic health insurance plan that pays 80 percent of supplementary medical expenses after a deductible of $250 per person. If three family members have prescription drug and
Lei purchased a life insurance policy three years ago and mistakenly checked a box on her application that said she did not have high blood pressure. She does. Yesterday, she died of a heart attack.
a. Assuming that Abdel is otherwise healthy, do you think that the insurance company would issue a policy? Why or why not?b. If Abdel makes a claim, what are the potential problems he has created for
Mahood and Murtaz have jobs and contribute to the household expenses according to their income. Mahood contributes 75 percent of the expenses, and Murtaz contributes 25 percent. Currently, their
Pete’s group insurance policy specifies that he pays 30 percent of expenses associated with orthodontic treatment for his children. If Pete incurs expenses of $5000, how much would he owe?
Describe the features of the waiver of premium, guaranteed insurability, accidental death, child term, and term insurance riders.
What is a rider?
Explain what happens if you misstate your age or sex.
What is the incontestability date?
Describe the suicide clause.
Provide one reason as to why you may want to borrow from the cash value of your permanent insurance policy.
What type of life insurance policies have a premium schedule?
What are living benefits?
What should you keep in mind when naming beneficiaries?
Differentiate between the two classifications of life insurance policies?
What are non-forfeiture options? What are the non-forfeiture options within a permanent insurance policy?
Describe the similarities and differences between whole life insurance and universal life insurance.
Differentiate between the two cost of insurance options in a universal life insurance policy.
Define and describe group term insurance.
What is mortgage life insurance? What is another name for it? Is mortgage life insurance a good buy? Why or why not?
What are the differences between creditor insurance and personally owned term insurance?
What is creditor insurance? Provide an example of a common type of creditor insurance.
Define underwriting and describe the underwriting process.
Define and describe the grace period.
In addition to the policy provisions, what other factors influence the decision as to what premium to charge on a long-term care insurance policy?
What are some of the common provisions of a long-term care insurance policy?
What is long-term care insurance? What everyday tasks are considered when determining your eligibility for longterm care insurance benefits?
What are the three major life-altering illnesses covered by critical illness insurance policies?
What is critical illness insurance? What is the difference between critical illness insurance and disability insurance?
What is the difference between the non-cancellable provision and the guaranteed renewable provision?
Define and describe the waiting period and the benefit period.
How do you determine the amount of disability coverage you should have?
Describe the concept of indemnification.
What are the differences among the “own occupation,” “regular occupation,” and “any occupation” definitions of disability?
What are the benefits of individual disability insurance relative to the disability insurance benefits provided under workers’ compensation, group insurance, Canada Pension Plan, and Employment
How long, and in what amount, is the disability insurance benefit payable under Employment Insurance?
What is the most important issue to consider when evaluating disability insurance provided through a group insurance benefit plan?
Under what circumstances are workers’ compensation disability benefits payable? What is the benefit amount?
What is private health insurance? What are the differences between group health insurance and individual health insurance?
What is medicare? How is the health care system in Canada financed?
What is the purpose of life insurance? Define the terms face amount, beneficiary, life insured, and policy owner.
What is health insurance? What does health insurance include?
Grant and Brenda Unger are planning to buy a $385 000 home. The home is located three kilometres from a river that occasionally overflows its banks after a heavy rain. They estimate that their
Explain your answer. What would you recommend as a minimum amount of coverage for third party liability coverage? Should Nikita maintain her section C coverage? When should she consider reducing or
Differentiate among comprehensive, basic, and broad coverage policy types.
What is homeowner’s insurance? How are the premiums normally paid?
When should you file a claim with your insurance company? Describe what happens after you file a claim with your insurance company.
If you are in an auto accident, under what circumstances should you contact the police immediately? What information should you gather before you leave the site of an accident?
What factors should you compare when you are shopping among insurance companies to purchase auto insurance?
List and briefly discuss factors that will affect your auto insurance premium. Which factors may not apply in provinces where auto insurance is provided by a provincial government agency?
Describe four other options, or endorsements, that can be added to an auto insurance policy.
What is the difference between a no-fault system and a pure no-fault system?
What is no-fault auto insurance? What is the rationale for no-fault auto insurance?
What is a deductible?
Define and describe collision insurance and comprehensive coverage. Is this type of coverage required by most provinces? Who may require this type of coverage?
Define and describe accident benefits coverage. What is uninsured motorist coverage? How does it work?
Explain why it is important to have adequate bodily injury liability coverage.
What is third party liability? Define and describe the two components of third party liability coverage.
Define and describe an auto insurance policy.
In which provinces is auto insurance provided by a government agency?
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