WorksheetsFinanzas
Total questions: 139
Worksheet time: 1hrs 25mins
Stock exchange
a market for buying and selling stock
a computer program to monitor the markets
material information about a company's fininacials
Securities and exchange commission
a market for buying and selling stock
Government body created by congress to regulate markets and protect investors
steady rise in the markets
A stock that REINVESTS it earnings in the business is ....
Income
common
preferred
growth
Dow Jones Industrial Average consists of 30 stocks that are considered representative of the market as a whole....
True
False
Stock split is most likely to occur....
A company is losing money
stockholders demand dividends
the price of the stock becomes to high
A blue chip company is
Start up firm
Foreign-owned
An established company
T/F..Most trades occur on the New York Stock Exchange (NYSE)
Fales
True
How do stocks enable a company to grow?
Companies raise money to modernize and expand scope of business
Companies are greedy and just want the cash infusion
How does external events (War, Natural Disaster, Political Events, etc), affect the Markets?
War ALWAYS makes the DOW go up
Natural Disasters ALWAYS makes the economy and DOW decrease
External events affect the Markets in various ways and people tend to either hold or spend depending on event (s)
INSIDER TRADING.....What is it? How may insider trading allow some brokers to get an edge in the market and accumulate resources?
Buying and selling of a security with information the public does not have, unfair way to increase an investment portfolio
A situation where a large block of information is held by an unfriendly company
Take over bid tha is strongly resisted
T/F The DOW consist of 30 stocks that broadly represent the market. If you plot or track the prices over time, you can see trends occur in the market and in individual sectors.
True
False
How does the DOW indicate the health of the economy?
If the DOW is doing well, people invest
If the DOW is not doing well, people sell
Buying on Margin means
People stop buying stocks
Buying on credit
Purchasing contracts
The two major U.S. stock exchanges are...
NYSE & AMEX
NASDAQ & NYSE
T/F.. The Dow is considers a useful analytical tool from year to year because it takes years of data into account
True
False
__________ is the process of forecasting an organisations future demand for, and supply of, the right type of people in the right number.
Human Resource Planning
Recruitments
Human Resource Management
Human Capital Management
Which of the following factors state the importance of the Human Resource Planning?
Creating highly talented personnel
International strategies
Resistance to change and move
All of the above
A process that is used for identifying and developing internal people with the potential to fill key business leadership positions in the company is called ______.
Highly talented personnel creation
Investing in human resources
Succession planning
None of the above
Human Resource Planning facilitates international expansion strategies
True
False
The development and application of employees' skills and energies to accomplish the goals and objectives of the organisation is called:
human resource management.
human resource planning.
selection
recruiting.
The first step in the human resource planning process is:
preparing a job analysis.
forecasting future human resource needs.
assessing future demand.
assessing future supply.
Human resource planning techniques include the use of some or all of the following:
human resource inventories.
action plans
control and evaluation
all of the above.
Which of the following option is not the factor that hinders with the human resource planning process?
Type and quality of forecasting information
Time horizons
Environmental uncertainties
Unite the perspectives of line and staff managers
_______ is the process of estimating the quantity and quality of people required to meet future needs of the organisation.
Demand forecasting
Supply forecasting
Environmental forecasting
None of the above
Rearrange the following steps involved in the Human resource planning process in proper order.
A. HR Programming
B. HR Demand Forecast
C. Environmental Scanning
D. Control and evaluation of programme
E. Surplus - restricted hiring
F. HRP implementation
G. HR supply forecast
H. Organisational objectives and Policies
I. Shortage - Recruitments and Selection
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CHBGAFDEI
IHDEBCAFG
IHGFEDCBA
It is the art of analyzing financial transactions and economic events, recording them, classifying them into accounts, summarizing them, reporting, and interpreting the results.
Bookkeeping
Journalizing
Accounting
Auditing
Amount owed by a business
liability
asset
capital
account
Accounting is referred to as the "language of ___________________."
profit
life
work
business
What are assets?
Cash in the business
Anything that a creditor has financial claim to
What remains after liabilities are paid
Any item or property owned by the business
What does internal source of finance mean?
A source from within the business
A source from outside the business
What does external source of finance mean?
A source from within the business
A source from outside the business
Which is an example of an internal source of finance?
Owner's Capital
Venture Capitalist
Overdraft
Trade credit
Which is an example of an external source of finance?
Owner's capital
Hire Purchase
Retained profits
Sale of assets
Which is an example of an external source of finance?
Owners' Funds
Sale of assets
Retained profits
Bank loan
What is an advantage of owner's capital?
There will be interest
You can pay in smaller installments
They take a long time to arrange
You don't have to pay it back
What is an advantage of an overdraft?
There is never interest
You can pay in smaller installments
Useful for relatively small sums and short term finance
You don't have to pay it back
Which of these facts about venture capitalists is NOT true?
Venture capitalists tend to operate in fairly risky markets
Venture capitalists would be paid a share of the profits
Venture capitalists usually provide money only and have no interest in running the business
Venture capitalists usually invest large sums of money
Which of the following are DISADVANTAGES of selling shares as a source of finance? (select as many as appropriate)
It means limited liability for the owners
Dividends need to be paid to shareholders
Large sums of money can be raised
Does not apply to Partnerships or Sole Traders
Which of the following would be the most appropriate source of finance for a new business (which is just launching) that makes mobile phone accessories?
Retained Profit
Sale of Assets
Share Capital
Friends and family
In the United States, the money is called
franc
pound
dollar
yen
Saving money for college is an example of what reason to save money?
saving for an emergency
saving to earn interest
saving to keep money safe
saving for a big expense
What is the role of banks in our community?
Banks offer us fruits and vegetables.
Banks are a safe place to keep money.
Banks help us get our packages delivered on time.
Banks have many books for us to borrow.
Why would someone wait for a sale when purchasing something?
to earn more interest in the bank
to get the item for a cheaper price
to wait for the supply to increase
to invest the money in somethng else
Why do most people work?
They want to live in big cities.
They want earn money and supply themselves with food, clothing, and shelter.
They want to ride on buses or trains.
They want dress in fancy clothes every day.
Which of the following is an example of an entrepreneur?
a person who works at a grocery store
a person who works for the federal government
a person who starts their own cake decorating business
a person who drives a school bus for a school district
These pictures show some ways that people spend money as buyers in the community. Identify the example that is NOT a buyer in the community.
p person buys a new car or bike
a person buys food for their family
a person buys a new outfit for a party
a person sells cotton candy at a carnival
Which of the following is an example of a person being a seller in your community?
setting up a lemonade stand
giving your friend a toy you don't play with anymore
receiving a new toy for your birthday
buying a new video game
Why is it important to keep a budget?
Budgets make sure you do not spend more money than you can afford.
Budgets can help you save for large purchases.
Budgets show you how much money you get and spend.
All of the above.
In the U.S economy, the Federal Reserve (the Fed) is responsible for
keeping interest rates low and monitoring inflation
providing jobs for all Amercians
collecting taxes from all companies in the U.S.
making sure all children are in school
The government collects _______ from Americans and they help provide services in the community like libraries and fire departments.
coupons
taxes
books
Pokemon cards
What can you do if you want to buy an expensive item?
Save up your money. Every little bit counts!
Beg your parents to buy it for you.
Cry
Throw a tantrum until someone buys it for you.
Which is NOT a use for market research?
Identifying what services customers want
Deciding what merchandise to sell
Determining tax deductions
Forecasting sales
Which is NOT one of the five steps in conducting market research?
Apply for government funding
Identify problem
Obtain data
Choose the best solution
___ is a small group of people who provide opinions under the direction of a discussion leader.
Experiments
Interviews
Surveys
Focus group
Qualitative research tends to ask these type of questions
How or Why
What or Why
Is
Where
Why do retailers use market research?
They want information about other products.
It's used to provide retailers with information about potential manufacturers.
It helps identify what customers want
All of the above
Primary data is ___.
data previously collected for a purpose other than the problem
data obtained through the use of surveys, observations and focus groups
data collected by discovering consumer information by using qualitative research
data that answers questions about quantity
Which of the following is considered a seasonal product?
Bottled water
Shoes
Snowboard
Toothbrush
Which of the following is NOT perceived as one of the main advantages of a big box retailer?
Low prices
Personalized Customer Service
Convenient downtown locations
Which of the following best describes product?
amount of money a business charges for items it offers a sale
amount of money a business charges for items it offers a sale
deciding where the good or service is best located
a physical object that you sell and that customers come to buy
Which of the following items are considered perishable?
Rice
Canned vegetables
Eggs
Paper Towels
What are critical considerations when choosing a location for a retail store?
Traffic
Convenience
Visibiilty
Nearby police station
Which of the following is a mall?
group of retail businesses in a location usually owned by a company that leases retail space
a collection of stores serving a large area that is usually in an enclosed building with an adjacent parking lot
unclosed shopping area that evolved without a lot of planning
a group of retail businesses
What is market share?
The amount of floor space a retail store has
The percentage that a store has of the total sales in its trading area
The price of a store's shares on the stock market
The shelf space a store devotes to any particular product
Customers tend to think that a product is defective when the price is __.
Set high
Set average
Set low
All of the above.
____ is the total revenue of a business less all expenses over a period of time.
Margin
Cost
Markdown
None of the above
What is cost?
a reduction in price of merchandise to increase sales of a product
the total revenue of a business less all expenses over a period of time
the amount of money the store pays to purchase the merchandise from a supplier.
the different the retail price of an item and the cost
___ is a promotion that is meant to heighten a store's image.
Institutional Promotion
Product Promotion
Sales Promotion
Advertising
A sales associates is typically responsible for which of the following types of promotion
Sales promotion
Personal Selling
Advertising
Public Relations
This type of promotion encourages customers to make purchases
(a)
____ is a form of non-personal promotion and is a one-way message.
Personal Selling
Sales promotion
Public relations
Advertising
___ happens when there are too many staff members in the store for the customer traffic
Overstaffing
Customer Service
Employment laws
Understaffing
True or False: Not hiring workers to work part-time during peak hours is a way to avoid overstaffing.
(a)
What is work ethic?
employee arriving on time
employee feelings and emotions
employee's hard work and diligence
employee's ability to tell the truth
This type of inventory reduced the amount of inventory a store must keep on hand.
Droppshipping
FIFO
Par level
Just-in-time
What is a "vendor"?
Any automated sales process that needs no human interaction
A business that sells merchandise to retail stores for resale
The head cashier in a store
Which of the following is NOT an impulse purchase?
chips
soda
candy bar
Computer printer
Which of the following usually has a grid layout?
Grocery Store
Clothing store
Department stores
Drugstore
Where are staple products typically located?
Front of the store
Back of the store
By the cash registers
On the bottom shelf
How much money do US retailers lose each year due to theft?
$2 trillion
$5.3 billion
$100 million
Over $41 billion
Which of the following is NOT a type of promotion?
Public relations
Advertising
Customer relations
Sales promotion
___ describes the amount of product available to sell and the willingness of customers to buy that product.
market research
merchandising
economics
supply and demand
A retail business must strike a compromise between two main factors when setting an item's price. What are these two main factors?
Location and value
Reasonable margin and customers' willingness to pay
Advertising budget and cost of ads
Quality and quantity
Long lines are an indication of what?
Disgruntled employees
Too many people writing checks
Prices that are too low
Understaffing
Which product has the highest "consumability"?
A large-screen TV
A loaf of bread
An iPad
A freezer
The ____ is a business's geographic surroundings.
Trade tariff
Trade area
Sample size
Sample area
Which question is an example of quantitative market research?
How many times did you purchase this product in the past six months?
Why did you buy this product?
How did you hear of our product?
In the context of retail, which of the following means the same as "stock"?
Floor space
Inventory
Headroom
Common
You sell $2,500 per week of baseball bats at 30% margin. You sell $2,200 of baseball gloves at 40% margin. Which generates more total margin for you?
23. Sales of cases of soft drinks are up 20% from last year. You sold 500 cases of soft drinks during September of the previous year. Based on current demand trends, what would the forecast be for total sales of cases of soft drinks for this September?
700 cases
400 cases
600 cases
550 cases
Heather makes $6.55 per hour. She worked 25 hours last week. Heather had payroll deductions of $42.11 for federal, state, and local taxes, and for social security. What was Heather's take home pay?
121.64
119.80
103.45
121.44
Compute the new selling price for a group of sun visors that are currently selling for $6.00 each and that will receive a markdown of 25%.
5.00
4.50
1.50
7.00
Compute the selling price of a bottle of cleaning spray that has a cost of $2.05 and a markup of 35%.
2.88
2.77
2.69
2.78
You open a business selling art supplies and lessons. In your first month, you had the following total sales: $4,000 in paint, $2,000 in brushes, $1,500 in easels, and $1,750 in canvas. You ran a promotion on painting lessons totaling $600 in discounts. Your returns equaled $250. Calculate total net sales.
8250
8400
8300
8350
The selling price of a box of crackers is $1.75 You mark the crackers up to $2.54. What is the markup percentage?
45%
40%
35%
29%
Your typical markup for merchandise is 40%. Your cost of the item is $8.00. Calculate the selling price.
(a)
You employ 17 people making an average of $37,000 per year. You want to give every employee a 3% increase for next year. What will be the total increase in your company's annual payroll?
$21,450
$18,870
$18,000
$16,000
How many places are there in millions period
2
3
1
10
70 Millions = ______Crore
70
700
7
10
Which of the following is not a quantitative measure of money supply.
bank rate
LRR
Moral suasion
open market operations
RBI was established in the year
1925
1945
1935
1955
Special drawing rights is an international reserve fund created by
UNO
IMF
WHO
RBI
Credit rationing refers to
controlling the lending capacity of the bank
action is taken against banks
regulating customer credit
prescribing minimum marginal requirement
CRR should be maintained by the commercial banks with
IMF
RBI
Government
NABARD
The selling of goods by the domestic country to the other countries is known as
Import
Reserves
Export
open market sales
The policy tool in which central bank buys and sells bonds to regulate the money supply in the economy is known as
CRR
SLR
bank rate
open market operations
Moral suasion refers to
regulating the total volume of credit that may be extended to customers
persuading the commercial banks to work in co-operation with the central bank
central bank fixes the maximum limit on loans
minimum deposits maintained by the commercial banks
Which of the following is not a public bank ?
SBI
PNB
Indian bank
HDFC
The motive of holding cash to carry out day to day transactions is known as
Speculative motive
Transaction motive
Precautionary motive
None of the above
Which regulatory body controls the market in India?
SEBI
IRDA
RBI
TRAI
The Securities and Exchange Board of India was not entrusted with the function of
Investor Protection
Ensuring Fair Practices by Companies
Promotion of efficient service by brokers
Improving the earning of equity holders
SEBI has allowed celebs to endorse which products?
Stocks and Shares
Mutual funds
Dividend
Insurance
Which financial body has asked intermediaries and companies to make regulatory payments in digital mode?
SEBI
RBI
NSE
BSE
Who cancelled Sahara Mutual Fund license on 28th July’15?
Supreme Court
SEBI
BSE
CRISIL
When was SEBI constituted?
April 1988
March 1982
July 1992
March 1974
Which of the following statement is NOT correct about the SEBI
At present it is a non statutory body
At present it is a statutory body
It got statutory powers by an ordinance in 1992
SEBI is managed by 6 members
Who appoints the chairman of SEBI?
Central Government
Stock Exchange
Brokers
Investors
The administrative head office of SEBI is at ------------.
New Delhi
Bombay
Kolkata
Chennai
The present chairman of SEBI is ---------------.
Ajay Tyagi
UK Sinha
CB Bhave
Vijay Khelkar
Chairman of SEBI is appointed for a period of
Maximum 3 years
Maximum 6 years
Maximum five years
Tenure not fixed
To regulate scam in Indian capital market, which of the following body has regulatory power:
SEBI
SECI
RBI
SBI
Consider the following statements about SEBI:
1. Protection of the interest of investors.
2. SEBI is the not constitutional institution.
3. The regulation and development of securities market.
4. Registering the collective investment plans of mutual funds and its regulation
1 and 2
2 and 3
all the above
Only 2
Power to recognize Stock Exchange vests with
SEBI
RBI
Central Government
SIDBI
One of them is not the regulatory function of SEBI
Regulating the business in stock exchange
Registration and regulating the working of Stock Brokers, Sub – Brokers, Merchant Bankers, Depository participants and other intermediaries
Regulation of Collective Investment Schemes
Conducting research and publishing market information which are useful to all market participants
Which of the following are reasons to use your emergency fund?
Check all that apply.
Car broke down
Girlfriend's birthday
Dog is sick
Great shoes on sale
Friends are going on a trip and invited you at last minute
Karen has $3250 in necessary expenses each month. How much should she have in her emergency fund according to the rule discussed in class?
about $25,000
about $1000
$6500-$13,000
$9750-$19,500
What is an emergency fund?
A savings account set aside for unexpected situations.
A way to invest for retirement.
Something most people don't need, because emergencies are rare.
An investment account that can grow over time.
An adult should have around____________ in an emergency fund.
6 months of income
$500
6 months of expenses
$12,000
If Becca spends $800 per month on rent, $200 on utilities, $300 on food, $100 on gas and $200 on weekend entertainment, how much is her total for necessary expenses.
$1400
$1600
$1000
$1100
If you need to have an emergency fund with $5000 in it, about how much should you save every month to have this saved in a year? (give the closest answer)
$200
$300
$400
$500
An emergency fund can keep your financial life from spiraling out of control.
True
False
An emergency fund can solve any financial problem.
True
False
You should keep your emergency fund in your purse or wallet so you can get it easily.
True
False
You should keep your emergency fund in a separate bank account so you don't spend it with your regular money.
True
False
A smallish unexpected expense can turn into a big problem if you do not have an emergency fund to cover it.
True
False
If your necessary expenses are $1234 per month, what should be your goal for the size of your emergency fund?
$3702-$7404
$1234 - $2468
$3000 - $6000
Investing your emergency fund in stocks or crypto is a good idea because you can make it grow faster.
True
False
