Personal financial planning has the main goal of:
A. Savings and investing for future needs.
B. Reducing a person's tax liability.
C. Managing money to achieve personal economic satisfaction.
D. Spending to achieve financial objectives.
CHAPTER 14JOBS AND THE DESIGN OF WORK
1. What is the term for effortful, productive activity that results in a product or a service?
2. What is a job?
The main purpose of taxes is to
A. create jobs
B. reduce the chances of inflation.
C. generate revenue for funding government programs.
D. discourage use of certain goods and services.
E. decrease competition from foreign companies.
In financial institutions, the sources of credit:
A. come in all shapes and sizes.
B. play an important role in our economy.
C. are typically short term
D. A and B are correct
E. A, B and C are correct
By evaluating your credit options
Assume that you purchase a $1,000 corporate bond that pays 10-3/4 percent interest. What is the amount
of interest that you receive each year?
Assume that you purchased a $1,000 Mobil Corpo
Renting is more advantageous than buying a home for
A. lower short-term living costs.
B. financial benefits.
C. long-term investment purposes.
D. receiving tax benefits.
E. permanence of residence.
A common opportunity cost associated
When did installment credit explode on the North American scene?
A. Just after World War II
B. with the advent of television in the late 1940s
C. with the advent of the automobile in the early 1900s
D. during the recession of the 1950s
Which of the following will be used to determine a term insurance policy?
A. age at which people will die.
B. number of people who will die this year.
C. number of people who will buy insurance this year.
D. number of agents who sell life
Opportunity cost refers to:
A. current spending habits.
B. changing economic conditions that affect a person's cost of living.
C. storage facilities to make financial documents easily available.
D. trade-offs associated with financial dec
Which of the following statements is false?
A. Investors purchase mutual funds for diversification.
B. Investors purchase mutual funds because of professional management.
C. Investors who purchase mutual funds are guaranteed a higher rate
Which of the following is not a true statement?
A. No one is going to make you save the money you need to start an investment program.
B. To be useful, investment objectives must be specific and measurable.
C. Investment goals must be tai
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Peril is defined as
A. the refusal by an insurance company to pay for the covered loss.
B. the cause of risk.
C. the cause of a possible loss.
D. an uncertainty as to loss.
Defective house wiring is an example of a
Because Xerox is a _ corporation, an investor can purchase stock with the help of an
account executive through the secondary market.
A corporation whose stock is owned by r
Which one(s) of the following is (are) misconceptions about retirement planning?
A. My expenses will drop when I retire.
B. My retirement will last only 15 years.
C. I can depend on government benefits.
D. I can depend on my company pensi
Which one of the following statements is true about estate planning?
A. Many people don't give a single thought to preparing for death.
B. It is always easy to plan for your family's financial security in the event of your death.
1. You are a supervisor who manages more than 20 employees, each of whom occupies a different job.
At a project meeting with eight of your employees, you want to discuss the importance of communica tion and its rapid
CHAPTER 12LEADERSHIP AND FOLLOWERSHIP
1. According to John Kotter, what is involved in leadership in contrast to management?
organizing and staffing
setting a direction for the organization
planning and budgetin
CHAPTER 10DECISION MAKING BY INDIVIDUALS AND GROUPS
1. What is an example of a programmed decision situation?
purchasing a new mainframe computer
reordering raw materials from an established
arranging financing for constr
CHAPTER 17MANAGING CHANGE
1. Which of the following is an example of an unplanned corporate change?
installing a computer-controlled machine tool
preparing materials and making arrangements
for a workforce diversity-training workshop
CHAPTER 18CAREER MANAGEMENT
1. Establishment is a time of big transitions in both personal and work life. At work, three major tasks
face the newcomer: two of these tasks are negotiating effective psychological contracts and managing
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CONFIRMATION OF LEGAL BLINDNESS
The federal definition  of "blindness" in the Supplemental Security Income program under
Title XVI of the Social Security Act currently states:
(2) "An individual shall be considered to be blind for purposes of this tit
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The convenience of using a financial institution with 24-hour banking frequently requires a trade-off
B. personal service.
C. growth of savings.
E. a lower rate of return.
A trust has the purpose of