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Study sets matching "money chapter 4"

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Study sets matching "money chapter 4"

14 terms
Money and Banking Chapter 4
cash flows
present value
simple loan
fixed-payment loan (fully amortized lo…
streams of cash payments to the holder of debt instruments
based on the commonsense notion that a dollar paid to you a y…
the lender provides the borrower with an amount of funds (cal…
the lender provides the borrower with an amount of funds, whi…
cash flows
streams of cash payments to the holder of debt instruments
present value
based on the commonsense notion that a dollar paid to you a y…
15 terms
Money and Banking chapter 4
Investment portfolio choices
expected return
risk
determinants of portfolio choice
1.pg 88
the rate of return expected on an asset during a future period
the degree of uncertainty in the return on an asset
wealth expected return on asset risk liquidity information co…
Investment portfolio choices
1.pg 88
expected return
the rate of return expected on an asset during a future period
14 terms
Money and banking chapter 4
yield to maturity
present value
simple loan
fixed payment loan
most accurate measure of interest rates. the interest rate th…
based on the concept of the fact that 1 dollar to you today i…
the lender provides the borrower with an amount of funds, whi…
lender provides borrower with an amount of funds, which must…
yield to maturity
most accurate measure of interest rates. the interest rate th…
present value
based on the concept of the fact that 1 dollar to you today i…
17 terms
Money Matters: Chapter 4
Checking account
Liquid
Service charge
Check register
Toe of bank account that allows you to make deposits, write c…
Investment that can be bought, sold, or converted to cash qui…
Fee you must pay to the bank for having an account
A record of your checking account transactions
Checking account
Toe of bank account that allows you to make deposits, write c…
Liquid
Investment that can be bought, sold, or converted to cash qui…
8 terms
Money in Review Chapter 4
Credit report
Loan Term
Deprecation
Credit Score
A detailed report of an individual's credit history.
Time frame that a loan agreement is in force, and before or a…
A decrease or loss in value.
A measure of an individual's credit risk.Calculated froma cre…
Credit report
A detailed report of an individual's credit history.
Loan Term
Time frame that a loan agreement is in force, and before or a…
36 terms
Chapter 4 Money & Banking
An average investor must weigh the ben…
If there is an excess demand for bonds…
If the expected gains on the stocks ri…
In the bond market, the seller is cons…
the lower returns on liquid assets
the interest rate will fall
the equilibrium interest rate will rise
the borrower
An average investor must weigh the ben…
the lower returns on liquid assets
If there is an excess demand for bonds…
the interest rate will fall
21 terms
Chapter 4: Money in Review
Annual Fee
Annual Percentage Rate
Adjustable Rate Mortgage
Balloon Mortgage
Fee charged byh a credit card company for the use of their cr…
Cost of borrowing money on an annual basis; takes into accoun…
Home loan secured by a deed of trust or mortgage in which the…
Home loan in which the sum of the monthly payments is insuffi…
Annual Fee
Fee charged byh a credit card company for the use of their cr…
Annual Percentage Rate
Cost of borrowing money on an annual basis; takes into accoun…
39 terms
Chapter 4: Money in Review
Annual Fee
Annual Percentage Rate
ARM
Balloon Mortgage
fee charged by a credit card company for the use of their cre…
(APR)- cost of borrowing money on an annual basis; takes into…
Adjustable Rate Mortgage - home loan secured by a deed of tru…
home loan in which the sum of the monthly payments is insuffi…
Annual Fee
fee charged by a credit card company for the use of their cre…
Annual Percentage Rate
(APR)- cost of borrowing money on an annual basis; takes into…
18 terms
money and banking chapter 4
cash flows
present value
simple loan
fixed payment loan
cash payments to the holder of the security
today's value of a payment to be received in the future when…
a credit market instrument providing the borrower with an amo…
a credit market instrument that provides a borrower with an a…
cash flows
cash payments to the holder of the security
present value
today's value of a payment to be received in the future when…
16 terms
Money and Banking Chapter 4
Cash Flows
Present Value
Simple Loan
Fixed-Payment Loan
Cash payments to the holder of a security.
AKA Present Discounted Value... Today's value of a payment to be…
A credit market instrument that provides the borrower with an…
AKA Fully Amortized Loan... A credit market instrument that prov…
Cash Flows
Cash payments to the holder of a security.
Present Value
AKA Present Discounted Value... Today's value of a payment to be…
27 terms
Chapter 4 Money
aggregates
barter
coincidence of wants
commodity
The different measures that are complied from a collection of…
the exchange of one good or service for another good or service
Occurs when two people each want the other has to offer
Anything that is useful or has value
aggregates
The different measures that are complied from a collection of…
barter
the exchange of one good or service for another good or service
20 terms
Chapter 4 Money
il prezzo
il conto
il resto
lo sconto
price
bill, check
change
discount
il prezzo
price
il conto
bill, check
10 terms
Money and Banking Chapter 4
expected return
risk
diversification
systematic risk
the return expected on an asset during a future period
the degree of uncertainty in the return on an asset
dividing wealth among many different assets to reduce risk
the risk that is common to all assets of a certain type
expected return
the return expected on an asset during a future period
risk
the degree of uncertainty in the return on an asset
17 terms
Money and Banking - Chapter 4
Cash flows
Consol or Perpetuity
Coupon Bond
Coupon rate
Cash payments to the holder of a security
A perpetual bond with no maturity date and no repayment of pr…
A credit market instrument that pays the owner a fixed intere…
The dollar amount of the yearly coupon payment expressed as a…
Cash flows
Cash payments to the holder of a security
Consol or Perpetuity
A perpetual bond with no maturity date and no repayment of pr…
16 terms
money and banking chapter 4
present value
simple loan
fixed-payment loan
coupon bond
today's value of a payment to be received in the future when…
a credit market instrument providing the borrower with an amo…
a credit market instrument that provides a borrower with an a…
a credit market instrument that pays the owner a fixed intere…
present value
today's value of a payment to be received in the future when…
simple loan
a credit market instrument providing the borrower with an amo…
17 terms
Chapter 4: Money Matters
checking account
liquid
service charge
check register
type of bank account that allows you to make deposits, write…
investment is one that can be bought or sold or quickly conve…
fee you must pay to the bank for having an account
record of your checking account transactions
checking account
type of bank account that allows you to make deposits, write…
liquid
investment is one that can be bought or sold or quickly conve…
21 terms
Chapter 4: Money in Review
Annual Fee
Annual Percentage Rate
ARM
Balloon Mortage
An amount that credit card companies can charge for the use o…
Cost of borrowing money on an annual basis; takes into accoun…
Adjustable rate mortage.
Home loan in which the sum of the monthly payments is insuffi…
Annual Fee
An amount that credit card companies can charge for the use o…
Annual Percentage Rate
Cost of borrowing money on an annual basis; takes into accoun…
32 terms
Chapter 4 - Money
El banco
El dinero en efectivo
Los billetes
El dinero
The bank
The cash
The bills
The money
El banco
The bank
El dinero en efectivo
The cash
36 terms
Money Management- Chapter 4
things people desire for reasons beyon…
money or other items of value that peo…
amount of money a person has to spend…
money and items of value that you own
wants
financial resources
discretionary income
assets
things people desire for reasons beyon…
wants
money or other items of value that peo…
financial resources
23 terms
Chapter 4 money terms
Aggregate
Barter
Coincidence of wants
Commodity
The different measures that are compiled from a collection of…
Exchange of one good or service to another good or service
Occurs when two people each want what the other one is offering
Anything that is useful or has value
Aggregate
The different measures that are compiled from a collection of…
Barter
Exchange of one good or service to another good or service
17 terms
Money Matters (Chapter 4)
Checking account
Liquid
Service charge
Check register
A type of bank account that allows you to make deposits, writ…
Investment is one that can be brought, sold, or converted to…
A fee you must pay the bank for having an account
Record of your checking account transactions
Checking account
A type of bank account that allows you to make deposits, writ…
Liquid
Investment is one that can be brought, sold, or converted to…
50 terms
Money and Banking Chapter 4
Determinants of Portfolio Choice
1) Wealth (determinant of portfolio ch…
Difference between Income and Wealth
2) Expected Rate of Return (Determinan…
1) wealth ... 2) expected rate of return ... 3) risk ... 4) liquidity…
we can assume that an increase in wealth will increase the qu…
Income is a person's earnings during a particular period, suc…
expected return = [(Prob of event 1 occurring) x (value of ev…
Determinants of Portfolio Choice
1) wealth ... 2) expected rate of return ... 3) risk ... 4) liquidity…
1) Wealth (determinant of portfolio ch…
we can assume that an increase in wealth will increase the qu…
44 terms
Money and Banking Chapter 4
Yield to Maturity
Future Value Equation
Present Value
What makes the FV rise today?
The most accurate measure of interest rates... Commonly used as…
FV = PV (1 + i)^n
Based on the concept that $1 paid to you one year from now is…
The amount today is higher... The interest rate is higher... n is…
Yield to Maturity
The most accurate measure of interest rates... Commonly used as…
Future Value Equation
FV = PV (1 + i)^n
14 terms
Money matters chapter 4
Checking account
Liquid
Service charge
Check register
A type of bank account that allows you to make deposits, writ…
An investment that can be bought, sold, or converted to cash…
A fee the bank charges for having an account
A record checking account transactions showing deposits, paym…
Checking account
A type of bank account that allows you to make deposits, writ…
Liquid
An investment that can be bought, sold, or converted to cash…
28 terms
Money In Review Chapter 4
Debt consolidation
Co-signing
Leasing
Cash advance
Combining debt into one payment
Taking responsibility for someone else's loan
Long-term rental agreement
Charges of 400% and up for their services
Debt consolidation
Combining debt into one payment
Co-signing
Taking responsibility for someone else's loan
17 terms
Money Matters- chapter 4
Checking account
Liquid
Service charge
Check register
A type of bank account that allows you to make deposits, writ…
An investment that can be bought, sold, or converted to cash…
A fee you must pay the bank for having an account
A record of your checking account transactions
Checking account
A type of bank account that allows you to make deposits, writ…
Liquid
An investment that can be bought, sold, or converted to cash…
30 terms
chapter 4 money review
Which of the following is NOT a factor…
Which of the following is not a good i…
Which of the following things cannot b…
What factors affect a credit score?
Paying cash for all purchases
Borrow money from your parents to pay for the debt
Go into debt
All of the above
Which of the following is NOT a factor…
Paying cash for all purchases
Which of the following is not a good i…
Borrow money from your parents to pay for the debt
10 terms
Chapter 4 Vocabulary - Money & Me
annual fee
annual percentage rate (APR)
credit card
credit report
a yearly fee that's charged by the credit card company for th…
cost of borrowing money on an annual basis; takes into accoun…
type of card issued by a bank that allows users to finance a…
a detailed report of an individual's credit history
annual fee
a yearly fee that's charged by the credit card company for th…
annual percentage rate (APR)
cost of borrowing money on an annual basis; takes into accoun…
26 terms
Chapter 4 Time Value of Money
Time Value of Money
Compounding
Discounting
Perpetuity
The idea that it is only possible to compare cash flows occur…
The process of moving cash forward in time over more than one…
The process of moving cash backwards in time. When interest r…
A stream of cash flows that is received over equal, periodic…
Time Value of Money
The idea that it is only possible to compare cash flows occur…
Compounding
The process of moving cash forward in time over more than one…
15 terms
religion chapter 4 swag money
ten commandments
obedience
Pentateuch
Four major sources that make up the Pe…
summarize the law and tell us how to respond in love to God a…
leads to harmony and peace
resulted from weaving together stories from several sources
YAHWIST, elohist, dueteronomist, and priestly
ten commandments
summarize the law and tell us how to respond in love to God a…
obedience
leads to harmony and peace
21 terms
Chapter 4: Money in Review
Annual Fee
Annual Percentage Rate
ARM
Balloon Mortage
An amount that credit card companies can charge for the use o…
Cost of borrowing money on an annual basis; takes into accoun…
Adjustable rate mortage.
Home loan in which the sum of the monthly payments is insuffi…
Annual Fee
An amount that credit card companies can charge for the use o…
Annual Percentage Rate
Cost of borrowing money on an annual basis; takes into accoun…
28 terms
Money and Banking Chapter 4
Cash Flows
Present Value
Simple Loan
Simple Loan PV Formula
The inflows and outflows of cash into and out of a business.
How much spending power money has today.
a credit market instrument providing the borrower with an amo…
PV = CF / ( 1+i )^n
Cash Flows
The inflows and outflows of cash into and out of a business.
Present Value
How much spending power money has today.
18 terms
Chapter 4 measure words and money
two
medium
large
small
two
medium
6 terms
Chapter 4: Money in Review
Paradigm
Cash Advance
Credit
Home equity loan
a different way of looking at something
also known as title pawning; charges of 400% and up for their…
Money loaned
using your home as collateral to borrow money
Paradigm
a different way of looking at something
Cash Advance
also known as title pawning; charges of 400% and up for their…
17 terms
Money matters chapter 4
Checking account
Liquid
Service charge
Check register
A type of bank account that allows you to make deposits, writ…
Is an investment that can be bought, sold or converted to cas…
A fee you must pay the bank for having an account
A record of your checking account transactions
Checking account
A type of bank account that allows you to make deposits, writ…
Liquid
Is an investment that can be bought, sold or converted to cas…
10 terms
Money Matters Chapter 4
Annual Fee
Annual Percentage Rate (APR)
Credit Card
Credit Report
A yearly fee that's charged by the credit card company for th…
Cost of borrowing money on an annual basis; takes into accoun…
Type of card issued by a bank that allows users to finance a…
A detailed report of an individual's credit history.
Annual Fee
A yearly fee that's charged by the credit card company for th…
Annual Percentage Rate (APR)
Cost of borrowing money on an annual basis; takes into accoun…
26 terms
Money & Banking Chapter 4
loanable funds theory
capital inflows
capital outflows
net capital inflows
real interest rates are determined by the supply and demand f…
funds provided to a country's investors by foreigners
funds provided to foreign investors by a country's savers
capital inflows minus capital outflows
loanable funds theory
real interest rates are determined by the supply and demand f…
capital inflows
funds provided to a country's investors by foreigners
32 terms
Money & Banking Chapter 4
Determinants of a Portfolio Choice
Wealth
Expected Rate of Return
Risk
1. Savers Wealth ... 2. Expected Rate of Return ... 3. Degree of Ri…
total value of assets a person owns minus liabilities
The rate of return expected on an asset during a future period
Degree of uncertainty in the return on an asset
Determinants of a Portfolio Choice
1. Savers Wealth ... 2. Expected Rate of Return ... 3. Degree of Ri…
Wealth
total value of assets a person owns minus liabilities
14 terms
Money Matters Chapter 4
Checking account
Liquid
Service charge
Check register
Allows you to make deposits, write checks, and withdraw money…
Can be bought, sold, or converted into cash quickly
Fee paid to the bank for having an account
Record of checking account transactions
Checking account
Allows you to make deposits, write checks, and withdraw money…
Liquid
Can be bought, sold, or converted into cash quickly
17 terms
Money Matters Chapter 4
Checking Account
Liquid
Service Charge
Check Register
Make deposits, write checks, and withdraw money any time
Investment that can be turned to cash quickly
Fee paid to the bank for having an account
Record of checking transitions
Checking Account
Make deposits, write checks, and withdraw money any time
Liquid
Investment that can be turned to cash quickly
14 terms
Money Matters Chapter 4
checking account
liquid
service charge
check register
type of bank account that allows you to make deposits, write…
investment is one that can be bought or sold or quickly conve…
fee you must pay to the bank for having an account
record of your checking account transactions
checking account
type of bank account that allows you to make deposits, write…
liquid
investment is one that can be bought or sold or quickly conve…
21 terms
Chapter 4:Money In Review
Annual Fee
Annual Percentage Rate
ARM
Balloon Mortgage
A fee charged by a credit card company for the use of their c…
The costs of borrowing money on an annual basis. Takes into a…
Adjustable Rate Mortgage.
A home loan in which the sum of the monthly payments is not e…
Annual Fee
A fee charged by a credit card company for the use of their c…
Annual Percentage Rate
The costs of borrowing money on an annual basis. Takes into a…
21 terms
Money & Banking Chapter 4
5 Portfolio determinates
Expected Return
Risk
Risk averse
1. Saver's wealth... 2. Required rate of return... 3. Degree of ris…
The return an asset should generate during a future period... (P…
The degree of uncertainty in the return on an asset
Choosing the asset with the lower risk when they have similar…
5 Portfolio determinates
1. Saver's wealth... 2. Required rate of return... 3. Degree of ris…
Expected Return
The return an asset should generate during a future period... (P…
48 terms
Chapter 4: Money In Review
Annual Fee
Annual Percentage Rate (ARM)
Balloon Mortgage
Credit
Fee charged by a credit card company for the use of their cre…
Cost of borrowing money on an annual basis; takes into accoun…
Home loan in which the sum of the monthly payments is insuffi…
Money loaned
Annual Fee
Fee charged by a credit card company for the use of their cre…
Annual Percentage Rate (ARM)
Cost of borrowing money on an annual basis; takes into accoun…
19 terms
Chapter 4 Money in Review
Debt consolidation
Co-signing
Leasing
Cash advance
Combining debt into one payment
Taking responsibility for someone else's loan
Long-term rental agreement
Charges of 400% and up for their services
Debt consolidation
Combining debt into one payment
Co-signing
Taking responsibility for someone else's loan
29 terms
Money matters chapter 4
Your Phico score is really year I love…
The following things would be a factor…
Individual account information is remo…
Credit report is
In order to have a Phico score you have to have debt it is ma…
Getting a personal loan from a bank using credit cards taking…
Except for Chapter 7 bankruptcy which stays on your credit re…
A detailed report of individual credit history
Your Phico score is really year I love…
In order to have a Phico score you have to have debt it is ma…
The following things would be a factor…
Getting a personal loan from a bank using credit cards taking…
15 terms
Money Management: Chapter 4
Annual Fee
Annual Percentage Rate (APR)
Credit Card
Credit Report
A yearly fee that's charged by credit card company for the co…
Cost of borrowing money of an annual basis; takes into accoun…
Types of card issued by a bank that allows users to finance a…
A detailed report of an individual's credit history.
Annual Fee
A yearly fee that's charged by credit card company for the co…
Annual Percentage Rate (APR)
Cost of borrowing money of an annual basis; takes into accoun…
12 terms
Tricolore 4: Chapter 4- Money
l'argent(m)
une banque
un billet
une carte de crédit
money
bank
bank note
credit card
l'argent(m)
money
une banque
bank
29 terms
Personal Money Management Chapter 4
Cash Management
Internet bank
Share draft account
Deposit insurance
The routine, day-to-day administration of cash and near-cash…
An online commercial bank
An account offered by credit unions that is similiar to inter…
A type of insurance that protects funds on deposit against fa…
Cash Management
The routine, day-to-day administration of cash and near-cash…
Internet bank
An online commercial bank
17 terms
Money Matters Chapter 4
Checking Account
Liquid
Service charge
Check register
A type of bank account that allows you to make deposits, writ…
An investment that can be bought, sold, or converted into cas…
A fee you must pay the bank for having an account there
A record of checking account transactions showing deposits, p…
Checking Account
A type of bank account that allows you to make deposits, writ…
Liquid
An investment that can be bought, sold, or converted into cas…
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