Hi,

I need a help in my finance homework.

I attached a 30 multiple choice questions.

Please provide your answers for those questions.

Thank You

1. QUESTION 1 Bill has worked for White Drywall for 4 years. During this period, White Drywall has contributed $25,000 to his retirement plan. Assuming the company uses graded vesting, how much will Bill be able to roll into an IRA if he leaves White Drywall at the end of 4 years? a $10,0 . 00 b $15,0 . 00 c$ 0 . d $20,0 . 00 e$ . 5,000 10 points QUESTION 2 1. By itself, Social Security is sufficient to allow a worker and spouse to maintain their preretirement standard of living. True False 10 points QUESTION 3 1. INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement. Select \"a\" for the first item, \"b\" for the second item, and \"c\" if neither item will correctly complete the statement. The decision whether or not to grant you credit will be made by [individual creditors | the credit bureau]. 10 points 1. QUESTION 4 Which of the following plans does not require minimum distributions? a Keogh plans . b 401(k) plans . c Traditional . IRAs d SEP plans . e Roth . IRAs 10 points 1. QUESTION 5 Which of the following is a tax characteristic of qualified retirement plans? a Employers can deduct . b Employees do not pay . the contributions from taxable income. taxes on the employer contributions until funds are withdrawn. c Employee contributions reduce taxable income in the year made. . d Earnings on both employee and employer contributions are tax. deferred. of the above are characteristics. e All . 10 points 1. QUESTION 6 Understanding how credit works and how it relates to you is important for many aspects of your life. True False 10 points QUESTION 7 1. Which of the following is a credit check not likely going to be required for? a Loan qualification . b Leasing an apartment . c Purchase a car on credit . d Work for your dad off the . record 10 points 1. QUESTION 8 Funds to finance Social Security come from: a federal income tax. . b state and income tax. . c compulsory contributions . self-employed. from employee, employer, and d voluntary . contributions from government, employer, and self-employed. e compulsory contributions from government, employee, . and employer. 10 points 1. QUESTION 9 Most people invest their retirement funds too [aggressively | conservatively]. 10 points QUESTION 10 1. Fraud alerts prevent any accounts to be opened in your name. True False 10 points QUESTION 11 1. A defined [contribution | benefit] retirement plan would usually be better for an older worker who has been employed for a long time with the same employer. 10 points 1. QUESTION 12 The portion of the principal and interest of an annuity that has not been paid to the annuitant prior to death is the _____ benefit. a principal . b distributi . on survivors hip d accumula . ted e installme . nt c . 10 points QUESTION 13 1. Like Keogh Plans, SEP plans are only for self-employed persons with no employees. True False 10 points QUESTION 14 1. More than 50 percent of all wage earners and salaried workers today are covered by some type of employer-sponsored retirement or profit-sharing plan. True False 10 points QUESTION 15 1. The employers are cutting back on traditional pension plans and are offering 401(k) plans. True False 10 points QUESTION 16 1. Kurt receives Social Security benefits and also received $55,000 wages during the year. His Social Security benefits will be [totally | partially] taxable. 10 points 1. QUESTION 17 Social Security benefits alone can usually fund a comfortable retirement. True False 10 points 1. QUESTION 18 Which of the following has accounted for a growing amount of total retirement income? a Personal . savings b Earned income . c Social Security . d 401k . e Real estate . investing 10 points QUESTION 19 1. For most people, participation in the Social Security system is [voluntary | mandatory]. 10 points 1. QUESTION 20 A vested employee has a right to receive benefits from an employer's retirement funds even if he no longer works there. True False 10 points 1. QUESTION 21 All but which of the following would be classified as a hard inquiry? aA . bA . cA . credit check for a student loan credit check by a potential employer credit check without your consent by someone who wants to send you something d A credit check for a home equity loan . 10 points 1. QUESTION 22 In a Roth 401(k), contributions are tax deductible and withdrawals are taxable. True False 10 points QUESTION 23 1. A criminal report will most likely be required for which of the following? a Remove . bad information from your report b Open new accounts in your name . c Prosecute the . d A and C only . identity thieves 10 points 1. QUESTION 24 Credit checks can now be used for which of the following? a Insurance . b Credit . accounts c Employment . d All of the . above 10 points QUESTION 25 1. Life insurance needs change dramatically over one's lifetime. True False 10 points QUESTION 26 1. INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement. Select \"a\" for the first item, \"b\" for the second item, and \"c\" if neither item will correctly complete the statement. Value funds look for stocks with relatively [high | low] dividend yields. 10 points 1. QUESTION 27 Term life insurance is characterized by: a cash value. . b non-convertibility. . c level annual premiums throughout life. . d premium amounts related to age. . e inappropriateness for most person's life . insurance needs. 10 points 1. QUESTION 28 Back-end load funds offer more liquidity to investors than no-load funds. True False 10 points 1. QUESTION 29 A grace period permits the policy holder to retain insurance even though the premium has not been paid for: a3 . months. b6 . months. c 31 days. . d 12 . months. days. e 50 . 10 points QUESTION 30 1. Earnings per share can be defined as the return earned on behalf of each share of common and preferred stock, calculated by dividing all earnings by the total number of shares outstanding. True False 1. QUESTION 1 A vested employee has a right to receive benefits from an employer's retirement funds even if he no longer works there. True False 10 points 1. QUESTION 2 Having an accurate current income and expenditures statement would be very useful when calculating retirement needs. True False 10 points 1. QUESTION 3 Once you begin drawing Social Security benefits, you will receive a fixed level of income for the remainder of your life. True False 10 points 1. QUESTION 4 The employee will be responsible for making investment choices when the employer offers a [401(k) plan | defined benefit plan]. 10 points QUESTION 5 1. The employee contributions limits for 401(k) plans are the same as those for 403(b) and 457 plans. True False 10 points QUESTION 6 1. The first step in retirement planning is to: a set retirement goals. . b consider your longevity. . determine your income-earning assets. d define your investment program. c . . e determine . how large a nest egg is required. 10 points 1. QUESTION 7 Persons with very poor credit ratings can still get _____ credit cards. a presti . ge b rewar . d c secur . ed d retail . e affinit . y 10 points QUESTION 8 1. Payments from a defined benefits plan will be determined by the investment performance of the retirement funds. True False 10 points QUESTION 9 1. Employer matching contributions are common with _____ plans. a 401(k . ) b a and . c c a and . b d 457 . e 403( . b) 10 points 1. QUESTION 10 The major mistake people make in retirement planning is: a a and b . b saving too little. . c investing too . conservatively. late. d starting too . e a, b, and c . 10 points 1. QUESTION 11 Home Appliance Warehouse, Inc. would like to set up a retirement plan for its employees that encourage employees to save for their own retirement. The company is willing to match employee contributions. Which of the following plans would be appropriate in this situation? a b, c, and d . b 401(k) plan . c Cash balance . plan d 403(b) plan . e 457 plan . 10 points QUESTION 12 1. Social Security benefits alone can usually fund a comfortable retirement. True False 10 points QUESTION 13 1. Tax-free earnings can be received from investments in: a Roth IRAs. . b Traditional . IRAs. c SEP plans. . d 401(k) plans. . e All of the . above 10 points QUESTION 14 1. Kurt receives Social Security benefits and also received $55,000 wages during the year. His Social Security benefits will be [totally | partially] taxable. 10 points 1. QUESTION 15 Credit reports contain all but which of the following? a Name . b Family size . c Social security . number d Balances . on credit accounts 10 points QUESTION 16 1. A pure life annuity payment option will result in the [highest | lowest] possible monthly payments to the annuitant. 10 points 1. QUESTION 17 Recent bad history is more influential on your credit than bad history in the past. True False 10 points 1. QUESTION 18 The cost of an annuity varies with the: a age . b age . of the annuitant at issue. of the annuitant when payment begins. c method of proceeds distribution. . d gender of the annuitant. . e all of the above. . 10 points QUESTION 19 1. Annuities may guarantee proceeds for a specific period or for a specific amount. True False 10 points QUESTION 20 1. A defined [contribution | benefit] retirement plan would usually be better for an older worker who has been employed for a long time with the same employer. 10 points 1. QUESTION 21 One often has to make investment decision if you have a _____ plan. a 401(k) . b Defined . benefit c c a and . d Cash . balance and b ea . 10 points 1. QUESTION 22 Employers are more inclined to check your credit because they feel financial behaviors may be representative of a person's behavior in the workplace. True False 10 points QUESTION 23 1. Social Security alone [will | will not] provide a comfortable standard of living at retirement. 10 points QUESTION 24 1. ERISA was passed to protect employees participating in private employer retirement plans. True False 10 points QUESTION 25 1. Supplementary Medical Insurance is a voluntary participatory program, commonly known as Medicare Part B. True False 10 points QUESTION 26 1. The _____ of a stock reflects stockholder confidence. a dividend yield . b face value . c book value . d par value . e price/earnings . ratio 10 points 1. QUESTION 27 Which of the following types of risk affect owners of fixed income securities more than owners of equity securities? a Business risk . b Event risk . c Market risk . d Interest rate . risk e None . of the above 10 points QUESTION 28 1. Disability occurs only when someone is completely incapable of returning to work. True False 10 points QUESTION 29 1. Bonds are issued by: a corporations, . state, local and federal governments. b state and local governments and . partnerships. c corporations and partnerships. . d Moodys . e none of . and Standard and Poor's. these 10 points 1. QUESTION 30 Group life insurance is: aa . term policy designed to pay off the mortgage balance in the event of the borrower's death. b an insurance that is sold in conjunction with the sale of a group of . assets. c an insurance in which benefits are a function of the returns being . generated on the investments selected by the policyholder. d an insurance that provides a master policy for a group. . e all . of the above