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Questions and Answers of
Corporate Finance
(a) Looking at the Hartley's current monthly budget, identify categories and amounts in their budget where they realistically might cut back $2,400. (b) Assume that Leyia and Larry could be persuaded
Stephen Bailey, a political scientist from McPherson, Kansas, graduated from college eight months ago and is having a terrible time with his budget. Stephen has a regular monthly income from his job
What is a marginal tax bracket, and how does it impact taxpayers making tax-advantaged contributions to their retirement plans?
Jared Goff, of Los Angeles, determined the following tax information: gross salary, $160,000; interest earned, $2,000; IRA contribution, $5,000; personal exemption, $4,050; and itemized deductions,
Carson Wentz, of Philadelphia, determined the following tax information: salary, $144,000; interest earned, $2,000; qualified retirement plan contribution, $6,000; personal exemption, $4,050;
(a) What is the total of their reportable gross income? (b) After Richard put $5,600 into qualified retirement plan accounts last year, what is their adjusted gross income? (c) How many exemptions
Paxton Lynch, radio station manager in Denver, Colorado, is in the 25 percent federal marginal tax bracket and pays an additional 5 percent in income taxes to the state of Colorado. Paxton currently
Identify each of the following items as either part of taxable income or an exclusion, adjustment, or an allowable itemized deduction from taxable income for Brian Collins and Morgan Smithfield, a
Explain why opening a checking account and a money market account are appropriate actions for most people, and tell how each will be used.
Summarize what happens when you write a check.
Distinguish between a money market account and a money market mutual fund account.
Explain why correctly owning assets is important to the personal finances of people, especially couples.
Differentiate between ownership via joint tenancy with right of survivorship and tenancy in common.
Summarize what you know about Bitcoin.
Joshua Franz, of Oxford, Mississippi, earned $4,600 during the summer and put $3,000 of the money in a newly opened savings account for use during the school year. It is now November 25th and Joshua
(a) In your opinion, would Aaron be better off with a minimum-balance account or an average-balance account to minimize his fees?(b) What other advice would you have for Aaron regarding the avoidance
Distinguish between the APR (annual percentage rate) and the finance charge on a debt.
Distinguish among the continuous debt method, debt-to-income, debt payments- to-disposable income, and debt-to-income methods for setting your debt limit.
What are the borrower's feelings when he/she has a limit of debt of 11 to 14 percent of disposable personal income compared to a debt limit of 15 to 18 percent?
Distinguish among the credit terms: prescreened, invitation-to-apply, and preapproved.
What is a credit history, and what role do credit bureaus play in the development of it?
Name three steps to help establish a good credit history.
Summarize how to fix errors in your credit report, and explain why some people add a consumer statement to their report.
Now that you have read this chapter on building and maintaining good credit, what would you recommend to Julia Grace regarding: 1. How might Julia go about establishing a debt limit? 2. What two or
Melinda Dennis from Sewell, New Jersey, just graduated from college and is concerned about her student loan debts. While at her graduation party she got to talking with three of her cousins, Kyle,
What is open-end credit and give three examples.
Distinguish between an unsecured line of credit and a home equity credit line.
Distinguish between a statement date and a payment due date on a credit statement.
Distinguish between transaction and posting dates on a credit statement.
How does a penalty rate work on a credit card?
What is the liability for a lost or stolen credit card?
What are your action steps to dispute an error on a billing statement?
What is a sales finance company and how does it work?
Where would to go to obtain an installment loan to finance a vehicle if you had a good credit rating and wanted to pay a low interest rate?
Distinguish between a single-payment and an installment loan.
What reasons do some people offer for not having a relative co sign a student loan?
What is an acceleration clause?
If you were the borrower, how would you feel about the fact that interest costs are higher in the early months of a declining balance loan than they are in the later months?
Zachary Porter of Abilene, Texas, is contemplating borrowing $10,000 from his bank. The bank could use add-on rates of 6.5 percent for 3 years, 7 percent for 4 years, and 8 percent for 5 years. Use
Kimberly Jensen of Storm Lake, Iowa, wants to buy some living room furniture for her new apartment. A local store offered credit at an APR of 16 percent, with a maximum term of four years. The
Kayla Sampson, an antiques dealer from Mankato, Minnesota, received her monthly billing statement for April for her MasterCard account. The statement indicated that she had a beginning balance of
Alexis Monroe, a biologist from Dyersburg, Tennessee, is curious about the accuracy of the interest charges shown on her most recent credit card billing statement, which appears as Figure 7-1 on page
James Sprater of Grand Junction, Colorado, has been shopping for a loan to buy a used car. He wants to borrow $18,000 for four or five years. James's credit union offers a declining-balance loan at
Miguel Perez of Pamona, California, obtained a two-year installment loan for $1,500 to buy a television set eight months ago. The loan had a 12.6 percent APR and a finance charge of $204.72. His
Summarize what is involved in comparison shopping for a safe vehicle.
How do you choose between a low interest rate and a rebate?
What are some pitfalls of leasing?
What is dealer holdback and why is it important?
Summarize the FTC's cooling-off rule to cancel a contract.
James Canter of Auburn, Alabama, is a good shopper. He always comparison shops and uses coupons every week. James figures he saves at least $40 a month as a result. Assuming an interest rate of 2
Amanda Forsythe of Springfield, Missouri, must decide whether to buy or lease a car she has selected. She has negotiated a purchase price (gross capitalized cost) of $35,000 and could borrow the
Kyle Parker of Concord, New Hampshire, has been shopping for a new car for several weeks. He has negotiated a price of $34,000 on a model that carries a choice of a $2,500 rebate or dealer financing
(a) Make suggestions about how the $304 might be integrated into the Johnsons' budget (Table 3-6 on page 97) by making reductions in certain expense categories.(b) If they cannot make room in their
(a) What preshopping research might Allen do to select the best brand of refrigerator? (b) Using the information in Table 7-1 on page 214 or the Garman/Forgue companion website, determine Allen's
(a) Was Christopher within his rights to take the car back for repairs? Explain why or why not. (b) What logical steps might Christopher follow if he continues to be dissatisfied with the dealer's
What is involved in cleaning up your credit to buy a home?
What steps are involved with agreeing to terms with a seller?
Distinguish among loan estimate, closing disclosure, and uniform settlement statement.
In the early years of the standard 30-year mortgage loan, as little as 10 percent of the monthly payment actually goes toward repaying the debt. As a result, it takes many, many years for the loan
Would you prefer a conventional mortgage, an adjustable-rate mortgage, or one of the other financing mechanisms described in this chapter to finance a home purchase? Why?
Almost all closing costs on a home purchase are negotiable. Would you feel comfortable entering into a discussion of these items? Why or why not?
Dave and Diane Starr of New Orleans, Louisiana, both of whom are in their late 20s, currently are renting an unfurnished two-bedroom apartment for $1,200 per month, plus $230 for utilities and $34
Seth and Alexandra Moore of Elk Grove Village, Illinois have an annual income of $110,000 and want to buy a home. Currently, mortgage rates are 5 percent. The Moores want to take out a mortgage for
Alex Guadet of Nashville, Tennessee, has been renting a two-bedroom house for several years. He pays $900 per month in rent for the home and $300 per year in property and liability insurance. The
Kevin Tutumbo of Terre Haute, Indiana, has owned his home for 15 years and expects to live in it for a least five more. He originally borrowed $135,000 at 6 percent interest for 30 years to buy the
Heather McIntosh of Watertown, South Dakota, recently purchased a home for $190,000. She put $25,000 down and took out a 25-year loan at 5.5 percent interest. (a) Use Table 9-4 on page 285 to
Who should consider buying flood and earthquake insurance?
What does the book say about why the USA has such an expensive health care system?
Who does the ACA impact and who does it not?
Summarize how subsidies reduce the price of insurance premiums under the ACA.
Explain how managed care has reduced the cost of health care in America.
Distinguish between a traditional health insurance plan and a health maintenance organizations (HMO).
What is a high-deductible health insurance plan and how does it work with a health savings account (HSA).
Distinguish between the government health program called Medicare and Medicaid.
Distinguish among an exclusion, deductible, coinsurance, and a copay.
What are activities of daily living?
Distinguish among the three levels of care in long-term insurance.
Explain who needs disability insurance.
Are you covered by Social Security disability insurance? What would happen if you were unable to work for a year because of illness or disability?
Christina Haley of Elko, Nevada, age 57, recently suffered a stroke. She was in intensive care for 3 days and was hospitalized for 10 more days. Her total bill for this care was $125,500. After being
What two factors in the process of calculating life insurance needs are likely to be the most expensive to replace?
What is meant by integrating your life insurance into your financial plan over the life cycle?
Give some examples of fair prices for life insurance and one example of why some people must pay higher premiums than others.
Give three signs of an unethical life insurance agent.
Matthew Kennedy of Urbana, Ohio, is single and has been working as an admissions counselor at a university for five years. Matthew owns a home valued at $250,000 on which he owes $135,000. He has a
Amy and Mack Holly from Rapid City, South Dakota, have been married for three years. They recently bought a home costing $212,000 using a $190,000 mortgage. They have no other debts. Mack earns
Alexandra Cunningham of Gardner, Massachusetts, has a $100,000 participating cash-value policy written on her life. The policy has accumulated $4,700 in cash value; Alexandra has borrowed $3,000 of
(a) In what way does Leshaniqua's return to school alter the Jackson's life insurance needs? (b) Would you agree that the amount of life insurance provided by the Jackson's respective employers is
Offer some suggestions on where to get money to invest.
Comment on how investing differs for both short and long-term investments.
What is random risk, and how does it get reduced?
Explain market risk, what causes it, and how it fits in one's portfolio.
Distinguish between bull and bear markets.
What should long-term investors do about market volatility?
Identify three trading mistakes that can be avoided by long-term investors.
Summarize how herd behavior sometimes leads to a stock market bubble.
Comment on three popular rules of thumb of asset allocation including being 100 percent invested in stocks.
Now that you have read the chapter on investment fundamentals, what do you recommend to Shanice and Sarena on the subject regarding: 1. Portfolio diversification for Sarena? 2. Dollar-cost averaging
Kunal Nayyar from London, had $50,000 in investments in the USA at the beginning of the year that consisted of a diversified portfolio of stocks (40 percent), bonds (40 percent), and cash equivalents
Jordan and Jeremy, who are twins living in Concord, New Hamphire, took different approaches to investing. Jordan saved $2,000 per year for ten years starting at age 23 and never added any more money
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