Financial Algebra 19 April 2018.

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Presentation transcript:

Financial Algebra 19 April 2018

announcements Your take-home quiz is due by Friday You may turn it in earlier, but it will not be graded until this weekend due to testing and meetings I have I will be proctoring again next week (Monday and Tuesday) I’m not certain where you will be going, but I’ll let you know as soon as I know

Key terms and vocabulary Bond Brokerage Commission Corporate bond Coupon payment Coupon rate Discount brokerage Diversification Dividend Face value Federal agency bond Full-service brokerage Initial public offering (IPO) Institutional investor Investment Junk bond Maturity date* Municipal bond Mutual fund National Association of Security Dealers Automated Quotations (NASDAQ) New York Stock Exchange (NYSE) Primary market Publicly traded Secondary market Securities and Exchange Commission (SEC) Security Shareholder Stock Treasury bonds

investing Investment: Something that is acquired with the goal of making money. This can be a person (an employee with knowledge of new technology) or thing (vehicle to get to work) But let’s be realistic, the best investments are money-based I think we can all agree that you should save a liquid cash reserve for emergencies and unexpected expenses We’ve already been over a few of the major liquid methods of investing -- checking accounts, certificates of deposit (CDs) , and savings accounts We know that these are relatively safe, but the amount of interest they earn is pretty low So we have some alternatives  higher risk alternatives (no guarantee you’ll get a return on investment)

investing These high risk investments come in several types: Stocks Bonds Mutual funds Pro: These investments can outpace inflation and yield incredible gains Con: The gains are not guaranteed, even if you do everything correctly; too much depends on other people; you are not promised you will receive even your initial investment back

stocks Stocks: Certificates that represent pieces of a person’s ownership in a company If a company has issued 100 shares of stock that represents the entire ownership of the firm, then each share of stock would be equivalent to 1 percent of the firm’s value Company size and popularity can determine not just the number of shares, but the cost of each share: Apple, have issued millions of shares Stock ownership also carries voting rights