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Ordinary annuity
When payments are made at the end of each period, the plan is called an ordinary annuity.
Explanation
A gym charges members at the start of each month for that month’s membership. What type of annuity do these payments represent?
Answer: Annuity due.
Why: Payments at the beginning of each period define an annuity due.
Jordan wants to replace making 100 dollars monthly deposits with one deposit today that will grow to the same future balance. What is this single deposit called?
Answer: Present value.
Why: Present value is the single amount today equivalent to a stream of future payments.
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An investment grows from 1,000 dollars to 1,150 dollars in one year. The 15 percent change in value is called the what of the investment?
Answer: Total return.
Why: Total return measures the relative change (gain or loss) compared to the original amount.
An account’s balance changes over five years with different returns each year.
The bank reports one constant yearly APY that would produce the same final balance. What is this APY called?
Answer: Annual return (effective annual yield).
Why: A single average yearly rate summarizing multi‑year growth is the annual return.
When Mia buys one share of a company on the stock market, what type of financial asset has she purchased that gives her partial ownership of the company?
Answer: Stock.
Why: A stock represents an ownership share in a corporation.
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A city issues securities promising to pay investors interest every year and to return the principal at maturity. What kind of financial instrument is this promise?
Answer: Bond.
Why: A bond is a debt promise to make future cash payments (interest and principal).
Alex buys a share for 40 dollars and later sells it for 60 dollars. What is the 20‑dollar profit called?
Answer: Capital gain.
Why: Profit from selling an investment for more than its purchase price is a capital gain.
True or False: Keeping cash in an FDIC‑insured savings account exposes you to a high chance of losing your principal if the bank fails.
Answer: False.
Why: Federal insurance (like FDIC) greatly reduces the risk of losing insured deposits.
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True or False: You choose a discount brokerage firm mainly to get detailed, personalized investment advice backed by extensive research reports.
Answer: False.
Why: Discount brokers focus on low‑cost trade execution and typically provide limited or no personalized advice.
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