金融学兹维博迪第二版 第一章答案

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1、CHAPTER1–FinancialEconomicsEnd-of-ChapterProblemsDefiningFinance1.Whatareyourmaingoalsinlife?Howdoesfinanceplayapartinachievingthosegoals?Whatarethemajortradeoffsyouface?SAMPLEANSWER:•••••••FinishschoolGetgoodpayingjobwhichIlikeGetmarriedandhavechildrenOwnmyownhomeProvideforfamilyPayforchildren’sed

2、ucationRetireHowFinancePlaysaRole:SAMPLEANSWER:•Financehelpsmepayforundergraduateandgraduateeducationandhelpsmedecidewhetherspendingthemoneyongraduateeducationwillbeagoodinvestmentdecisionornot.••HighereducationshouldenhancemyearningpowerandabilitytoobtainajobIlike.OnceIammarriedandhavechildrenIwil

3、lhaveadditionalfinancialresponsibilities(dependents)andIwillhavetolearnhowtoallocateresourcesamongindividualsinthehouseholdandlearnhowtosetasideenoughmoneytopayforemergencies,education,vacationsetc.Financealsohelpsmeunderstandhowtomanageriskssuchasfordisability,lifeandhealth.•Financehelpsmedetermin

4、ewhetherthehomeIwanttobuyisagoodvalueornot.Thestudyoffinancealsohelpsmedeterminethecheapestsourceoffinancingforthepurchaseofthathome.FinancehelpsmedeterminehowmuchmoneyIwillhavetosaveinordertopayformychildren’s•educationaswellasmyownretirement.MajorTradeoffs:SAMPLEANSWER•Spendmoneynowbygoingtocolle

5、ge(andpossiblygraduateschool)butpresumablymakemoremoneyonceIgraduateduetomyhighereducation.Consumenowandhavelessmoneysavedforfutureexpendituressuchasforahouseand/orcarorsave•moremoneynowbutconsumelessthansomeofmyfriendsFinancialDecisionsofHouseholds2.Whatisyournetworth?Whathaveyouincludedamongyoura

6、ssetsandyourliabilities?Wouldyoulistthevalueofyourpotentiallifetimeearningpowerasanassetorliability?Howdoesitcompareinvaluetootherassetsyouhavelisted?Chapter1-1Copyright©2009PearsonEducation,Inc.PublishingasPrenticeHall. FinancialEconomicsSolutionsManualSAMPLEANSWER:$____________(verypossiblynegati

7、veatthispoint)Assets:••••CheckingaccountbalanceSavingsaccountbalanceFurniture/Jewelry(watch)Car(possibly)Liabilities:••••StudentloansCreditcardbalanceIfrenting,remainderofrentalagreement(unlesssublettingisa