How can we help?

You can also find more resources in our Help Center.

Study sets matching "financial chapter 10 finance"

Study sets
Classes
Users

Study sets matching "financial chapter 10 finance"

17 terms
Business Finance Chapter 10 (Personal Financial Planning)
Personal Financial Planning
Goals
Values
Liquidity
Arranging to spend, save, and invest money to live comfortabl…
The things you want to accomplish.
The beliefs and principles you consider important, correct, a…
The ability to easily convert financial assets into cash with…
Personal Financial Planning
Arranging to spend, save, and invest money to live comfortabl…
Goals
The things you want to accomplish.
61 terms
Personal Financial Literacy Chapter 10
Adjustable Rate Mortgage
Annual Percentage Rate
Collateral
Cosigner
Mortgage with a rate that may go up or down. Rate changes at…
Interest rate that shows what a borrower is actually paying w…
Assets that have been pledged against a loan repayment.
A person, other than the original borrower who signs for a lo…
Adjustable Rate Mortgage
Mortgage with a rate that may go up or down. Rate changes at…
Annual Percentage Rate
Interest rate that shows what a borrower is actually paying w…
13 terms
Financial Accounting Chapter 10
Accrued Liabilities
Contingent Liability
Current Liabilities
Debt-to-Assets Ratio
Previously unrecorded expenses that need to be adjusted at th…
Potential liability that has arisen as the result of a past e…
Short-term obligations that will be paid in cash (or fulfille…
Measures the proportion of total assets financed by debt, com…
Accrued Liabilities
Previously unrecorded expenses that need to be adjusted at th…
Contingent Liability
Potential liability that has arisen as the result of a past e…
13 terms
Personal Finance Chapter 10
Personal financial planning
Goals
Values
Liquidity
Arranging to spend, save, and invest money to live comfortabl…
Things you want to accomplish.
The beleifs and principles you consider important, correct, a…
Ability to easily convert financial assets into cash without…
Personal financial planning
Arranging to spend, save, and invest money to live comfortabl…
Goals
Things you want to accomplish.
23 terms
Financial Accounting Chapter 10
Current Liabilities
Accrued Liabilities
Payroll Deductions
Sales Tax Payable
short-term obligations that will be paid or fulfilled within…
liabilities for expenses that have been incurred but not paid…
create current liabilities for your employer and include inco…
recorded as a liability (not an expense) until it is forwarde…
Current Liabilities
short-term obligations that will be paid or fulfilled within…
Accrued Liabilities
liabilities for expenses that have been incurred but not paid…
30 terms
Financial Literacy - Chapter 10 - Terms
bear market
bond
bull market
contingencies
period in the stock market when prices are steadily decreasing
a debt instrument issued by a corporation or government
period in the stock market when prices are steadily increasing
unplanned or possible events
bear market
period in the stock market when prices are steadily decreasing
bond
a debt instrument issued by a corporation or government
18 terms
Financial Accounting Chapter 10
Accrued Liabilities
Contingent Liability
Current Liabilities
Debt-to-Assets Ratio
Previously unrecorded expenses that need to be adjusted at th…
Potential liability that has arisen as the result of a past e…
Short-term obligations that will be paid in cash (or fulfille…
Measures the proportion of total assets financed by debt, com…
Accrued Liabilities
Previously unrecorded expenses that need to be adjusted at th…
Contingent Liability
Potential liability that has arisen as the result of a past e…
19 terms
Financial Accounting Chapter 10
Bond Certificate
Bond Discount
Bond Premium
Callable Bonds
The bond document that each bondholder receives
The difference between the selling price and par when the bon…
The difference between the selling price and par when the bon…
Bonds that may be called for early retirement at the option o…
Bond Certificate
The bond document that each bondholder receives
Bond Discount
The difference between the selling price and par when the bon…
15 terms
Financial Peace - Chapter 10
accountability
free spirit
nerd
time poverty
The quality or state of being responsible, liable or answerable
a person who thinks everything will work out fine and typical…
a person who is picky about budgeting and details
a situation in which a person is lacking time, which leads to…
accountability
The quality or state of being responsible, liable or answerable
free spirit
a person who thinks everything will work out fine and typical…
36 terms
Financial Accounting Chapter 10
Current Liabilities
The different types of current liabili…
Notes payable
Sales Taxes Payable
Is a debt that a company reasonably expects to pay (1) from e…
Notes payable. Accounts payable. Unearned revenues. Accrued l…
Companies record obligations in the form of written notes as
Many of the purchases in a retail stores are subject to sales…
Current Liabilities
Is a debt that a company reasonably expects to pay (1) from e…
The different types of current liabili…
Notes payable. Accounts payable. Unearned revenues. Accrued l…
30 terms
Personal Finance Chapter 10
Savings
Investing
Wealth
Emergency Fund
Money set aside for the future
A strategy to earn more on your money than the rate of inflat…
The accumulation of assets over your lifetime
Money set aside for unplanned expenses
Savings
Money set aside for the future
Investing
A strategy to earn more on your money than the rate of inflat…
36 terms
Chapter 10: Financial Institutions
Barter
Money
Fiat Money
Currency
The direct exchange of one set of goods or services for anoth…
Anything that serves as a medium of exchange, a unit of accou…
Money that only has value because the government says so. (Am…
Coins and paper bills used as money.
Barter
The direct exchange of one set of goods or services for anoth…
Money
Anything that serves as a medium of exchange, a unit of accou…
12 terms
Financial terms, chapter 10
capital budget
sensitivity analysis
fixed costs
variable costs
list of planned investment projects
analysis of the effects on project profitability of changes i…
costs that do not depend on the level of output
costs that change as the level of output changes
capital budget
list of planned investment projects
sensitivity analysis
analysis of the effects on project profitability of changes i…
Personal Financial Literacy Chapter 10
Adjustable Rate Mortgage
Annual Percentage Rate
Collateral
Cosigner
Mortgage with a rate that may go up or down. Rate changes at…
Interest rate that shows what a borrower is actually paying w…
Assets that have been pledged against a loan repayment.
A person, other than the original borrower who signs for a lo…
Adjustable Rate Mortgage
Mortgage with a rate that may go up or down. Rate changes at…
Annual Percentage Rate
Interest rate that shows what a borrower is actually paying w…
25 terms
Personal Financial Planning (Chapter 10)
Insurance coverage that protects real…
Insurance that protects against the fi…
A cause of loss
Failing to act in a reasonable manner…
Property Insurance
Liability Insurance
Peril
Negligence
Insurance coverage that protects real…
Property Insurance
Insurance that protects against the fi…
Liability Insurance
5 terms
Personal Finance Chapter 10
Accountability
Free Spirit
Nerd
Time poverty
The quality or state of being responsible, liable or answerab…
A person who thinks that everything will work out fine and ty…
A person who is picky about budgeting and details.
A situation in which a person is lacking time, which leads to…
Accountability
The quality or state of being responsible, liable or answerab…
Free Spirit
A person who thinks that everything will work out fine and ty…
25 terms
Personal Finance Chapter 10
actual cash value
bodily injury liability losses
captive agent
claims adjustor
A value assigned to an insured property that is determined by…
A PAP provision that protects the insured against claims made…
An insurance agent who represents only one insurance company…
An insurance specialist who works for the insurance company,…
actual cash value
A value assigned to an insured property that is determined by…
bodily injury liability losses
A PAP provision that protects the insured against claims made…
17 terms
Chapter 10-Financial Planning
Liquidity
Interest
Consumer
Accumulate
The ability to easily convert financial assets into cash with…
The price that is paid for the use of another's money.
A person who purchases and uses goods or services.
To collect.
Liquidity
The ability to easily convert financial assets into cash with…
Interest
The price that is paid for the use of another's money.
20 terms
Banking and Finance - Chapter 10
Maturity date
Face value
Debenture
Mortgage bond
The date when a bond will be repaid.
The dollar amount that the bondholder will receive at the bon…
A bond that is backed only by the reputation of the issuing c…
A bond that is backed by assets of the corporation, also call…
Maturity date
The date when a bond will be repaid.
Face value
The dollar amount that the bondholder will receive at the bon…
14 terms
financial chapter 10
discretionary income
principal
interest
compound interest
what you have left over after you have paid your bills
the amount of money deposited by a saver
what the financial institution pays the saver
interest computed on the original principal plus accumulated…
discretionary income
what you have left over after you have paid your bills
principal
the amount of money deposited by a saver
24 terms
Personal Finance Chapter 10 Vocab
Bear Market
Bond
Bull Market
Contingencies
Period in the stock market when prices are steadily decreasing
A debt instrument issued by a corporation or government
Period in the stock market when prices are steadily increasing
Unplanned or possible events
Bear Market
Period in the stock market when prices are steadily decreasing
Bond
A debt instrument issued by a corporation or government
15 terms
Personal Finance Chapter 10
Dwelling, Other Structures, Personal P…
HO-1, HO-2, HO-3
HO-4
HO-6
What are the four basic coverage's of home owners insurance?
basic policies for homeowners (HO)
renters insurance (HO)
condominium owners (HO)
Dwelling, Other Structures, Personal P…
What are the four basic coverage's of home owners insurance?
HO-1, HO-2, HO-3
basic policies for homeowners (HO)
32 terms
Financial Algebra Chapter 10 Vocab
assets
bar graph
budget check-off matrix
budget line graph
A person's property or what is owned.
A type of graph or data display that uses rectangular bars to…
Where there are no amounts in the budget, but rather check ma…
A type of graph is used when a consumer is comparing two cate…
assets
A person's property or what is owned.
bar graph
A type of graph or data display that uses rectangular bars to…
8 terms
Chapter 10 Financial Accounting
Issued Shares
Par Value
Statement of Stockholder's Equity
Stock Split
The number of shares sold or distributed to stockholders
An arbitrary amount that is stated on the face of the stock c…
A statement that reflects the differences between beginning a…
Creation of additional shares of stock and reduction of the p…
Issued Shares
The number of shares sold or distributed to stockholders
Par Value
An arbitrary amount that is stated on the face of the stock c…
22 terms
Financial management chapter 10
1. emergencies... 2.vacations... 3.social ev…
1.home ownership... 2.education... 3.retirem…
1. the amount of your discretionary in…
discretionary income
short term needs
long term needs
factors of the amount of money you will save
what you have left over after you have paid your bills
1. emergencies... 2.vacations... 3.social ev…
short term needs
1.home ownership... 2.education... 3.retirem…
long term needs
10 terms
Chapter 10 Valuation of financial assets
Required rate of returns
Bond valuation
Stock valuation
Business risk
The minimum rate of return required by an investor, a stipula…
Bond valuation is a technique for determining the fair value…
Based on the present value of future cash flows
The inability of the firm to hold its competitive position an…
Required rate of returns
The minimum rate of return required by an investor, a stipula…
Bond valuation
Bond valuation is a technique for determining the fair value…
22 terms
personal finance chapter 10
annual percentage yield
grants
interest
loan consolidation
the actual interest rate an account earns stated on a yearly…
forms of educational funding that do not have to be repaid
earnings on principal
combining many loans into one large loan with one monthly pay…
annual percentage yield
the actual interest rate an account earns stated on a yearly…
grants
forms of educational funding that do not have to be repaid
45 terms
BUS chapter 9 and 10 - Finance and Financial Market
financial Capital
finance
Risk - return tradeoff
financial Capital acquired through:
the funds a firm uses to acquire its assets and finance its o…
the functional area of business that is concerned with findin…
observation that with financial opportunities that offer high…
Direct contributions by owners, reinvestment of earnings, loa…
financial Capital
the funds a firm uses to acquire its assets and finance its o…
finance
the functional area of business that is concerned with findin…
23 terms
Financial Lit Chapter 10
Bear market
Bond
Bull market
Contingencies
Period in the stock market when prices are steadily decreasing
A debt instrument issued by a corporation or government
Period in the stock market when prices are steadily increasing
Unplanned it possible events
Bear market
Period in the stock market when prices are steadily decreasing
Bond
A debt instrument issued by a corporation or government
39 terms
Chapter 10 Financial markets
Residual claim
limited liability of stockholders
legal entity
regular way of delivery
you are the last security holder in line to receive anything…
all you can lose is what you invested
can't sign own name like a corporation
T+3
Residual claim
you are the last security holder in line to receive anything…
limited liability of stockholders
all you can lose is what you invested
11 terms
Personal Finance TC Chapter 10
Peril
Property Insurance
Personal Liability Insurance
Actual Cash Value
An event or happening, whether natural or man-made, that caus…
Insurance that protects you against the loss of your property…
Insurance covering all liabilities other than those resulting…
The replacement cost of a property minus its physical depreci…
Peril
An event or happening, whether natural or man-made, that caus…
Property Insurance
Insurance that protects you against the loss of your property…
11 terms
Financial Accounting Chapter 10
Debt ratio
Face value
Determinable current liabilities
open account
liabilities as a percentage of total assets
the actual cash payment when a liability is due
liabilities that can be precisely measured and the amount of…
accounts set up between suppliers and those selling the suppl…
Debt ratio
liabilities as a percentage of total assets
Face value
the actual cash payment when a liability is due
11 terms
Financial Accounting Chapter 10
Depreciation
Factors of Depreciation
Straight-line Method
Units of Production
The process of allocating an asset's cost to expense over it'…
-Estimated useful life... -Capital cost = amount that will be al…
(Cost - Residual Value)/ Useful life (yr)
(Cost - Residual Value)/ Useful life in Units
Depreciation
The process of allocating an asset's cost to expense over it'…
Factors of Depreciation
-Estimated useful life... -Capital cost = amount that will be al…
24 terms
Finance Chapter 10
Why do we examine returns in the finan…
Lessons from Capital Market history (3)
Total dollar return =
Percentage returns
To help us determine the appropriate returns on non-financial…
1) There is a reward for bearing risk... 2) The greater the ris…
income from investment + capital gain (loss) due to change in…
Easier to think in terms of percentages than dollar returns…
Why do we examine returns in the finan…
To help us determine the appropriate returns on non-financial…
Lessons from Capital Market history (3)
1) There is a reward for bearing risk... 2) The greater the ris…
Chapter 10 Investments Finance
Coupon rate
current yield
yield to maturity (YTM)
Premium bonds
a bond's annual coupon divided by its par value. Also called…
a bond's annual coupon divided by its market price... Current y…
the discount rate that equates a bond's price with the presen…
Price > Par Value... The yield to maturity of a premium bond is…
Coupon rate
a bond's annual coupon divided by its par value. Also called…
current yield
a bond's annual coupon divided by its market price... Current y…
18 terms
Financial Literacy- Chapter 10
short term needs
long term needs
scholarship
student loans
expenses beyond your regular monthly items
expenses that are costly and require years of planning and sa…
cash allowances awarded to students to help pay education costs
money borrowed to pay for education
short term needs
expenses beyond your regular monthly items
long term needs
expenses that are costly and require years of planning and sa…
44 terms
Financial Accounting Chapter 10 Terms
Current Liability
Current Liabilities
Notes Payable
Notes Payable Journal Entry
A debt with two key features:... - It can reasonably be expecte…
1. Notes Payable... 2. Accounts Payable... 3. Unearned Revenues... 4.…
Obligations in the form of written promissory notes that usua…
Cash 100k... Notes Payable 100k... Interest Expense 4k... Interest P…
Current Liability
A debt with two key features:... - It can reasonably be expecte…
Current Liabilities
1. Notes Payable... 2. Accounts Payable... 3. Unearned Revenues... 4.…
12 terms
Personal Finance Chapter 10
Beneficiary
Nonparticipating policy
Participating policy
Term insurance
A person designated to receive something, such as life insura…
Life insurance that does not provide policy dividends; also c…
Life insurance that provides policy dividends; also called a…
Life insurance protection for a specified period of time; som…
Beneficiary
A person designated to receive something, such as life insura…
Nonparticipating policy
Life insurance that does not provide policy dividends; also c…
26 terms
Financial Accounting Chapter 10
Bond Certificate
Bonds
Callable Bonds
Capital Lease
A legal document that indicates the name of the issuer, the f…
A form of interest-bearing notes payable issued by corporatio…
Bonds that the issuing company can redeem (buy back) at a sta…
A contractual agreement allowing one party (the lessee) to us…
Bond Certificate
A legal document that indicates the name of the issuer, the f…
Bonds
A form of interest-bearing notes payable issued by corporatio…
13 terms
Finance Chapter 10: Personal Finance
personal financial planning
goals
values
liquidity
it is arranging to spend, save, and invest money to live comf…
the things you want to accomplish
the beliefs and principles you consider important, correct, a…
the ability to easily convert financial assets into cash with…
personal financial planning
it is arranging to spend, save, and invest money to live comf…
goals
the things you want to accomplish
18 terms
Financial Literacy Chapter 10
Stocks
Liquidity
Contingencies
Tax-Deferred
Shares of ownership in a corporation.
A measure of the ability to turn an investment into cash quic…
These are unplanned events, such as emergencies.
An investment is said to be this when taxes are not levied ag…
Stocks
Shares of ownership in a corporation.
Liquidity
A measure of the ability to turn an investment into cash quic…
31 terms
Finance - Chapter 10 - Alternative Financing
Alternative Financing
Discount Points
Point
Nominal Rate or Coupon Rate
Popular in times of high interest rates.
are used to increase the lender's yield from the loan without…
a point is one percent of the LOAN amount
The interest rate stated in the promissory note
Alternative Financing
Popular in times of high interest rates.
Discount Points
are used to increase the lender's yield from the loan without…
31 terms
Financial Markets: Chapter 10
Asset
Balance Sheet
Bank Capital
Bank Leverage
Anything of value owned by a person or a firm; in particular,…
A statement that shows an individual's or a firm's financial…
The difference between the value of a bank's assets and the v…
The ratio of the value of a bank's assets to the value of its…
Asset
Anything of value owned by a person or a firm; in particular,…
Balance Sheet
A statement that shows an individual's or a firm's financial…
19 terms
Chapter 10 (Financial)
Future Value-Annuity
Required Rate of return (discount rate)
Valuation of Bonds
Price of Bonds
...
-market risk... -companies seeking financial capital... -low return…
-cash flows discounted at Y... -Value of Y determined in bond ma…
PV of regular discounted by YTM + PV of principal
Future Value-Annuity
...
Required Rate of return (discount rate)
-market risk... -companies seeking financial capital... -low return…
21 terms
Financial Chapter 10
Articles of incorporation
Capital stock
Shares
Authorized stock
Describes the purpose, place and other details of entity
Individual's ownership of the corporation's capital
Basic unit of stock
Number of shares a corporation is authorized by a state to se…
Articles of incorporation
Describes the purpose, place and other details of entity
Capital stock
Individual's ownership of the corporation's capital
17 terms
Chapter 10 Personal Financial Planning
Personal Financial Planning
Goals
Values
Liquidity
arranging to spend, save, and invest money to live comfortably
the things you want to accomplish
the beliefs and principles you consider important, correct, a…
the ability to easily convert financial assets into cash
Personal Financial Planning
arranging to spend, save, and invest money to live comfortably
Goals
the things you want to accomplish
16 terms
Personal Finance Chapter 10
Demand
economics
future value
inflation
amount of goods and services people are willing to buy
study of the decisions that go into making, distributing and…
the amount that your original deposit will be worth in the fu…
general rise in the level of prices for goods and services ov…
Demand
amount of goods and services people are willing to buy
economics
study of the decisions that go into making, distributing and…
18 terms
Chapter 10 - Personal Finance Literacy
Sales Tax
Income
Income Tax
Wages
A tax on the dollar value of a good or service being sold
A gain of money that comes typically from labor or capital.
A tax on people's earnings
money earned for doing work
Sales Tax
A tax on the dollar value of a good or service being sold
Income
A gain of money that comes typically from labor or capital.
Finance Chapter 10
-Net present value (NPV)... -Profitabilit…
Net present value (NPV)
Profitability index (PI) (benefit-cost…
Internal rate of return
Four Criteria for evaluating and selecting investment projects
The present value of net (operating) cash flows from the proj…
The ratio of the present value of expected net cash flows ove…
Defined as the discount rate that equates the present value o…
-Net present value (NPV)... -Profitabilit…
Four Criteria for evaluating and selecting investment projects
Net present value (NPV)
The present value of net (operating) cash flows from the proj…
20 terms
Financial Accounting Chapter 10
Corporate Charter
Authorized Shares
Issued Shares
Outstanding Shares
The document that authorizes the creation of the corporation.
The maximum number of shares the business may issue in each c…
The number of shares actually sold to stockholders.
The number of issued shares actually in the hands of stockhol…
Corporate Charter
The document that authorizes the creation of the corporation.
Authorized Shares
The maximum number of shares the business may issue in each c…
1 of 10