Study sets matching "finance"

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Study sets matching "finance"

Finance
entrepreneur
unearned income
profit
minimum wage
A business owner who takes risks of owning a business.
Money received from sources other than working in a job.
The amount left after costs are deducted from the income of a…
The lowest pay rate allowed by law for each hour of work.
entrepreneur
A business owner who takes risks of owning a business.
unearned income
Money received from sources other than working in a job.
10 terms
Finance
Cash (noun)
Borrow (verb)
Lend (verb)
Cashier (noun)
money in the form of coins or banknotes
To take something for a short time and give it back later
to give for a short time
the person who re receives your payment in a shop or supermar…
Cash (noun)
money in the form of coins or banknotes
Borrow (verb)
To take something for a short time and give it back later
63 terms
Finance
Annual Fee
Annual Percentage Rate (APR)
Asset
Bank
An amount that credit card companies can charge for the use o…
Shows how much credit costs you on a yearly basis, expressed…
anything of value that is owned
a financial institution that accepts deposits and channels th…
Annual Fee
An amount that credit card companies can charge for the use o…
Annual Percentage Rate (APR)
Shows how much credit costs you on a yearly basis, expressed…
63 terms
Finance
Annual Fee
Annual Percentage Rate (APR)
Asset
Bank
An amount that credit card companies can charge for the use o…
Shows how much credit costs you on a yearly basis, expressed…
anything of value that is owned
a financial institution that accepts deposits and channels th…
Annual Fee
An amount that credit card companies can charge for the use o…
Annual Percentage Rate (APR)
Shows how much credit costs you on a yearly basis, expressed…
85 terms
Finance
mortgages
mortgagee
Louisiana is not a
acceleration clause
are voluntary specific liens on real estate
is the lender of the money
title theory state
a clause in the mortgage that benefits the lender if the buye…
mortgages
are voluntary specific liens on real estate
mortgagee
is the lender of the money
21 terms
Finance
Asset
Balance sheet
Break-even point
Budget
Anything of value that a business owns, such as cash, equipme…
A report of the final balance of all assets, liabilities, and…
The point at which the money from product sales equals the co…
A formal, written statement of expected revenue and expected…
Asset
Anything of value that a business owns, such as cash, equipme…
Balance sheet
A report of the final balance of all assets, liabilities, and…
38 terms
finance
Finance
Market
5 types of markets
Commodity Markets
Any transaction in which money or a money-like instrument is…
any organized effort through which buyers and sellers freely…
Real Estate, Internet, Retail, Commodity, and Financial
trade economic resources
Finance
Any transaction in which money or a money-like instrument is…
Market
any organized effort through which buyers and sellers freely…
7 terms
Finance
Good
service
liquidity
opportunity cost
A physical object that can be weighed or measured
A task that a person performs for someone else
The ability to easily convert financial resources into cash w…
The possibilities that a person gives up when they make one c…
Good
A physical object that can be weighed or measured
service
A task that a person performs for someone else
97 terms
Finance
Capital Resources
Entrepreneur
Human Resources
Natural Resources
Man-made goods that are produced for the purpose of producing…
A person who takes rick and gathers the resources to provide…
People performing mental and physical work to produce goods a…
Resources that occur naturally in and on Earth; these resourc…
Capital Resources
Man-made goods that are produced for the purpose of producing…
Entrepreneur
A person who takes rick and gathers the resources to provide…
74 terms
Finance
Advantages of the corporate form of bu…
Stockholders generally have which of t…
Cumulative voting permits a stockholde…
Earnings are
limited liability for stockholders
right to share in the firm's earnings... right to sell the stock
cast the total number of votes for one individual
retained and/or distributed
Advantages of the corporate form of bu…
limited liability for stockholders
Stockholders generally have which of t…
right to share in the firm's earnings... right to sell the stock
FINANCE
ACCOUNT CYCLE
accrued interest
affidavit
annual percentage rate APR
FECHA DE CORTE DE LA CUENTA
interes acumulado
declaraciòn jurada / afidavit
TASA DE INTERES ANUAL
ACCOUNT CYCLE
FECHA DE CORTE DE LA CUENTA
accrued interest
interes acumulado
26 terms
Finance
Current ratio
Total asset turnover
Future value
Future value annuity
Current ratio
Total asset turnover
109 terms
Finance
Finance
Finance at Personal Level
Finance in Business Context
Chartered Financial Analyst (CFA)
The science and art of managing money
How much of earnings spent... How much saved... How to invest savings
How firms raise money from investors... How firms invest money t…
Most valuable professional certification. Focused on investme…
Finance
The science and art of managing money
Finance at Personal Level
How much of earnings spent... How much saved... How to invest savings
44 terms
Finance
Percent
Writing fractions as percents using "e…
1/10 = what percent
4/5 = what percent
"per hundred" A ratio whose denominator is 100. (ex. 75/100 =…
8/10? Multiply numerator and denominator by "10"... 8 . 10 / 10…
1/10 = 1 . 10 / 10 . 10 = 10/100 = 10%
(5 . 20 = 100) ... 4 . 20 / 5 . 20 = 80/100 = 80%
Percent
"per hundred" A ratio whose denominator is 100. (ex. 75/100 =…
Writing fractions as percents using "e…
8/10? Multiply numerator and denominator by "10"... 8 . 10 / 10…
55 terms
Finance
current assets
fixed assets
anticipate
write off
cash and other assets that are expected to be converted to ca…
assets which are purchased for long-term use and are not like…
regard as probable; expect or predict
a cancellation from an account of a bad debt or worthless asset
current assets
cash and other assets that are expected to be converted to ca…
fixed assets
assets which are purchased for long-term use and are not like…
Finance
Financial management
Financial resources
Strategic role of financial management
Financial management objectives
This refers to the planning and monitoring of a business's fi…
Resources in a business that have a monetary or money value.
This refers to the role finance managers have in making funds…
Financial management has the short-term goals of ensuring tha…
Financial management
This refers to the planning and monitoring of a business's fi…
Financial resources
Resources in a business that have a monetary or money value.
24 terms
Finance
Interest
Debt
Consumer
Loan
A fee paid by a borrower to the lender for the use of borrowe…
An obligation of repayment owed by one party (debtor/borrower…
A person or organization that buys/uses goods or services
A debt evidenced by a "note" which specifies the principal am…
Interest
A fee paid by a borrower to the lender for the use of borrowe…
Debt
An obligation of repayment owed by one party (debtor/borrower…
653 terms
Finance
Private Corporation
Public Corporation
IPO
Primary Market
corporation whose shares are owned by a small group of people…
A business whose stock is widely held and available for sale…
Initial Public Offering - occurs when a company sells stock t…
market in which investors purchase securities issues from a c…
Private Corporation
corporation whose shares are owned by a small group of people…
Public Corporation
A business whose stock is widely held and available for sale…
Finance
Un comptable
Un titulaire de compte
2005
1Dollar=DM 1.46
Accountant
Account holder
Two thousand and five
One point four six Deutschmarks to the dollar
Un comptable
Accountant
Un titulaire de compte
Account holder
66 terms
Finance
Budget
GDP Formula
Bull Market
Accounts Receivable
A Financial Plan
Financial market in which prices are, or expecting to rise.
Income due on sales that are collected on a future date.
Budget
A Financial Plan
GDP Formula
90 terms
Finance
Profit & Loss Account (P&L)
market capitalization
Owner's Capital
External Liabilities
A financial statement showing a company's net profit or loss…
total value of a company's shares (par) value at a given moment
Share Capital + Reserves
Loan Capital + Current liabilities
Profit & Loss Account (P&L)
A financial statement showing a company's net profit or loss…
market capitalization
total value of a company's shares (par) value at a given moment
Finance
Dividend Payout
Retention Ratio (Plowback ratio)
Current Ratio
(Cashdividends)/(Net income)
(Addition to retained earnings)/(Net income)
(Current Assets)/(Current Liabilities) Benchmark=2
Dividend Payout
(Cashdividends)/(Net income)
Retention Ratio (Plowback ratio)
(Addition to retained earnings)/(Net income)
Finance
Money Markets
capital markets
primary markets
foreign exchange markets
where debt securities with maturities of one year or less are…
where debt instruments or securities with maturities longer t…
where the initial offering to organization of debt and equity…
electronic markets in which banks and institutional traders b…
Money Markets
where debt securities with maturities of one year or less are…
capital markets
where debt instruments or securities with maturities longer t…
43 terms
Finance
simple interest
compound interest
quarterly
weekly
I = PRT
interest accumulates on principal and interest
four times per year
52 times per year
simple interest
I = PRT
compound interest
interest accumulates on principal and interest
39 terms
Finance
what is an example of a primary market?
what is an example of a capital market…
money markets are markets for
you recently sold 200 shares of disney…
IBM issues 2,000,000 shares of new stock and sells them to th…
stocks
short-term debt securities such as treasury bills and commerc…
a secondary market transaction
what is an example of a primary market?
IBM issues 2,000,000 shares of new stock and sells them to th…
what is an example of a capital market…
stocks
23 terms
Finance
If you deposit $10,000 in a bank accou…
What is the present value of a securit…
Your parents will retire in 19 years.…
if you deposit money today in an accou…
FV= 16,105.10
PV = $1292.10
I = 8.01%
11.01 years
If you deposit $10,000 in a bank accou…
FV= 16,105.10
What is the present value of a securit…
PV = $1292.10
12 terms
Finance
Currency
to borrow
to lend
to owe
money in the form of cash or coins
To take something for a short time and give it back later
to give for a short time
to need to pay or repay money to a person, bank or business
Currency
money in the form of cash or coins
to borrow
To take something for a short time and give it back later
23 terms
Finance
If you deposit $10,000 in a bank accou…
What is the present value of a securit…
Your parents will retire in 19 years.…
if you deposit money today in an accou…
FV= 16,105.10
PV = $1292.10
I = 8.01%
11.01 years
If you deposit $10,000 in a bank accou…
FV= 16,105.10
What is the present value of a securit…
PV = $1292.10
21 terms
Finance
Asset
Balance sheet
Break-even point
Budget
Anything of value that a business owns, such as cash, equipme…
A report of the final balance of all assets, liabilities, and…
The point at which the money from product sales equals the co…
A formal, written statement of expected revenue and expected…
Asset
Anything of value that a business owns, such as cash, equipme…
Balance sheet
A report of the final balance of all assets, liabilities, and…
finance
What is the price of a 10-year bond wi…
What is the price of a 10-year bond wi…
What is the price of a 10-year bond wi…
A 10-year bond with a 6% coupon rate s…
$929.76
$1000
$1077.22
5.8%
What is the price of a 10-year bond wi…
$929.76
What is the price of a 10-year bond wi…
$1000
26 terms
Finance
Which one of the following best define…
Standard deviation is a measure of whi…
Which one of the following is defined…
Assume that the market prices of the s…
The average squared difference between the actual returns and…
volatility
normal distribution
efficient capital market
Which one of the following best define…
The average squared difference between the actual returns and…
Standard deviation is a measure of whi…
volatility
30 terms
FINANCE
The American economy is significantly…
Under the direct endorsement program,…
All of these have a balloon payment du…
A buyer is purchasing a new home for $…
Construction
qualify the borrower and underwrite the loan.
a fully amortized loan.
The answer is $96,000. PMI is required when the LTV ratio exc…
The American economy is significantly…
Construction
Under the direct endorsement program,…
qualify the borrower and underwrite the loan.
Finance
Purchases
Closing investory
Gross profit
Motor Expenses
goods that have been bought for the business
Inwentaryzacja zamykania
zysk brutto, płaca całkowita bez podatku
Wydatki konieczne, tylko do celów gospodarczych
Purchases
goods that have been bought for the business
Closing investory
Inwentaryzacja zamykania
12 terms
Finance
Marketing Plan (4 P's)
Accounting Equation
Assets
Liabilities
Product, Promotion, Price, Place
Assets = Liabilities - Stockholder equity
Land, Building, Equipment, Inventory, Accounts Receivable, Ce…
Notes Payable, Taxes payable, Accounts Payable, Long Term Debt
Marketing Plan (4 P's)
Product, Promotion, Price, Place
Accounting Equation
Assets = Liabilities - Stockholder equity
29 terms
finance
EAR
APR
Amortized loans
NPV
actual rate paid after accounting for compounding
annual rate as quoted by law, Interest rate per period * numb…
A loan where the principal of the loan is paid off over the l…
Difference between the market value of a project and its cost
EAR
actual rate paid after accounting for compounding
APR
annual rate as quoted by law, Interest rate per period * numb…
42 terms
Finance
DuPont Model
ROE
ROA
NPM
first brings together the net profit margin with its total as…
...
= Net Profit Margin x Total Asset Turnover
...
DuPont Model
first brings together the net profit margin with its total as…
ROE
...
5 terms
Finance
Finance
Business
Business finance
Money
Is the Art and Science of managing money
Is any legal human activity that involves the selling of good…
It's a branch of study concerned with the allocation, procure…
Is anything used by society as a medium of exchange, and is w…
Finance
Is the Art and Science of managing money
Business
Is any legal human activity that involves the selling of good…
65 terms
finance
capital structure
working capital management
capital budgeting
adverse selection
mix of debt and equity used to finance to the firms operations
ensuring the firm has sufficient resources to continue operat…
refers to decision about firms long-term investment... size of p…
bad borrowers are most likely to seek loans
capital structure
mix of debt and equity used to finance to the firms operations
working capital management
ensuring the firm has sufficient resources to continue operat…
49 terms
Finance
Finance
Financial management
Financial markets
Investors
The study of applying specific value to things we own, servic…
The process for and the analysis of making financial decision…
The places and processes that facilitate the trading of finan…
Those who buy securities or other assets in hopes of earning…
Finance
The study of applying specific value to things we own, servic…
Financial management
The process for and the analysis of making financial decision…
48 terms
Finance
Why do financial managers make financi…
Board of directors can
Board of directors cannot
What is a pre-selected stocks
Many owners cannot buy or sell stock.
1. Answer to the stockholders of the company... 2. monitor the p…
do day to day running of the company.
S&P 500
Why do financial managers make financi…
Many owners cannot buy or sell stock.
Board of directors can
1. Answer to the stockholders of the company... 2. monitor the p…
9 terms
Finance
Net Profit After Taxes
Free Cash Flow
return on invested capital
market value of equity
...
...
...
...
Net Profit After Taxes
...
Free Cash Flow
...
110 terms
Finance
ETF (Exchange-Traded Fund)
Marketable security
Commercial paper
Short-term debt
a marketable security that tracks an index, a commodity, bond…
very liquid securities that can be converted into cash very q…
unsecured, short-term debt instrument issued by a corporation…
account shown in current liabilities on a company's balance s…
ETF (Exchange-Traded Fund)
a marketable security that tracks an index, a commodity, bond…
Marketable security
very liquid securities that can be converted into cash very q…
Finance
Bull Market
Bear Market
Odd lot
Round lot
A market condition normally associated with investor optimism…
A condition of the market typically associated with investor…
A quantity of fewer than 100 shares of a stock
A quantity of 100 shares of stock, or multiples thereof
Bull Market
A market condition normally associated with investor optimism…
Bear Market
A condition of the market typically associated with investor…
Finance
Institutional Investor's Characteristics
Role of properties in an institutional…
Roles of property in entrepreneur's bu…
Unsystematic risk
• highly skilled professionals... • significant property market…
• diversification in optimal asset allocation... • collateral fo…
• income production... • accumulating profit... • taxation reasons…
microlevel... well diversified portfolios may not have unsystema…
Institutional Investor's Characteristics
• highly skilled professionals... • significant property market…
Role of properties in an institutional…
• diversification in optimal asset allocation... • collateral fo…
34 terms
Finance
Income Statement
Balance Sheet
Statement of Cash Flows
How are the 3 main financial statement…
Revenues - Cost of Goods Sold - Expenses = Net income
Assets = Liabilities + Shareholders' Equity
Beginning Cash + CF from Operations + CF from Investing + CF…
1) Income Statement closes with a net income figure that appe…
Income Statement
Revenues - Cost of Goods Sold - Expenses = Net income
Balance Sheet
Assets = Liabilities + Shareholders' Equity
37 terms
Finance
Current Ratio
Inventory
AR turnover
Total asset turnover
Current assets/ Current liabilities
CoGS/ Inventory
credit Sales/ AR
Sales/ total assets
Current Ratio
Current assets/ Current liabilities
Inventory
CoGS/ Inventory
43 terms
Finance
Capital Budgeting
Capital Structure
Working Capital
Sole Proprietorship
The process of planning and managing a firm's long-term inves…
The mixture of long-term debt and equity the firm uses to fin…
A firm's short-term assets, such as inventory, and liabilitie…
A business owned by a single individual.
Capital Budgeting
The process of planning and managing a firm's long-term inves…
Capital Structure
The mixture of long-term debt and equity the firm uses to fin…
47 terms
Finance
Find A/R
Find CL
Find CA
Find TA
USE DSO= AR/Sales/365
USE QR= Cash+AR/CL
USE CR = CA/CL
TA=CA + FA
Find A/R
USE DSO= AR/Sales/365
Find CL
USE QR= Cash+AR/CL
Finance
Barter
Money or currency
Portable
Divisible
exchange (goods or services) for other goods or services with…
something generally accepted as a medium of exchange, a measu…
easy to carry
easily divided into small parts
Barter
exchange (goods or services) for other goods or services with…
Money or currency
something generally accepted as a medium of exchange, a measu…
52 terms
finance
Administrative Costs
Premium
Claim
Loss Ratio, (Medical Loss Ratio)
general costs associated with the insurance company doing bus…
Amount people pay for insurance policies. Based on various fa…
A request for payment from and insurance company
Proportion of premium paid in claims Deciding what elements g…
Administrative Costs
general costs associated with the insurance company doing bus…
Premium
Amount people pay for insurance policies. Based on various fa…
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