First Christian Church

Category: Financial Services

Funding Your U.S. Studies}

Submitted by: Aryan Pawar

If you are going for higher studies abroad its always better to start planning for funds from the very beginning. Education is an investment that yields greater return, however, in order to get through universities abroad, one needs to spend almost a fortune for which planning is essential. To be able to make an investment in U.S. for studies, you need to make your funds available in a smarter way. One needs to do research to identify U.S. funding possibilities that match ones needs and strengths.

Some of the best possible approaches you can adopt for funding your U.S. studies are:


Sources of Financial Aid

Applying for More Information on Financial Aid Information


You should do a thorough research about the entire cost of your education for studying abroad. The cost would consist of tuition fees and living expenses during your stay. Categorizing an institution as expensive without knowing the availability of financial aid wont be prudent. Expenses like

College and university application fees

Fees for standardized tests

Tuition fees

Travel expenses

Housing and meals

Books and supplies

Health insurance

Clothing, recreation and incidental expenses

Sources of financial aid

Funding is easily available at the graduate level. However, some undergraduate institutions also offer scholarships, depending upon the academic merit or less commonly, a background of community service, athletic ability, talent in the visual or performing arts, or other criteria.

Another way to get financial aid from the universities at graduate-level is graduate teaching or assistantship. Students with assistantships may be expected to teach sections of undergraduate classes or help professors with their research. In return, they may receive a remuneration to cover part of their educational costs or they may be excused from paying tuition fees.

Other sources of financial aid such as private associations and international foundations may award grants for education. These are in great demand and quite often provide only small amounts of funding rather than full support. Combined with other funding, however, such awards may be helpful in achieving your goal of U.S. study.

Information on Financial Aid

Some sources which can come handy for you are listed below:

Funding for U.S. Study: It is an excellent source providing grants specifically for international students. Most of the grants are awarded by government foundations and international organizations.

College Board Scholarship Search: For U.S. and international undergraduate students, it lists about 2,000 scholarships, internships and loans drawn from the College Board Scholarship Handbook.

Edupass: Specifically for international students which includes a list of U.S. colleges and universities and awards the maximum financial aid to their international undergraduate students.

Finaid: While most information specifically for international students appears on sister site Edupass, Finaid is also a valuable resource. For instance, it includes a list of web addresses for college and university financial aid offices and information on scholarship scams.

Foundation Centre International Visitor Information: It includes a section on aid for international students and provides links for a range of useful resources.

International Education Financial Aid: Specifically for those studying in a country other than their own, including international students in the United States. It includes a database of over 1,000 scholarships searchable by field of study.

Make sure to prepare your financial aid application and send it to all possible organizations, foundations, government bodies, universities and other resources that are already mentioned. The more places you apply, the better is the possibility to get an aid.

About the Author: To help study abroad, we at

are offering our services to plan and actualize your overseas education plans. You can rely on our professional expertise to guide you along the way from preparing for TOEFL, GMAT, and other scholastic tests to getting admission in one of the reputed educational institutes in the US.


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The Biggest Blunder New Pur3x Representatives Make}

Submitted by: Dave Lovett

There is one main mistake that nearly all beginning Pur3x representatives make that is way ahead of the others.

Your personal brand or name has to be online in the manner of a personal website not just the Pur3x brand and personal corporate website.

In addition, it has to be completely separate from Pur3x and your upline.

To do this, you must have a online existence in three areas: You must have a domain name. You must have a website. And, you have to have a hosting account.

Now these sites are very simple and easy to figure out but everybody believes that they are difficult. That is one reason why Pur3x or your upline will provide it for you. Most imagine it is hard.

These business sites seem to be so expedient and trouble-free. They are difficult to not to take. The cost is right. They will almost give you one either low-cost or for free.

When you joined Pur3x, they or your organization, offered you a online website just for connecting. Although it may be for free, it does keep you from positioning yourself correctly on the web.

A corporate website, even a good one like Pur3x gives you, is intended to promote Pur3x. It could provide a small area for your profile but it is not intended to highlight you only Pur3x. Also, they can post items without your say-so. They have all the control of the site. You will be always be promoting Pur3x.

The biggest error a new Pur3x representative makes is not securing their own name. Remember, other people connect with you prior to them joining a company. You want to establish a place to promote you and not Pur3x.

It is so easy to choose your personal name as a website. It is called a “domain name”.

For you to have your own name as a site, you must first record a domain name and get hosting for that domain name. As an example: is a domain name, but you could not use that site if it were not hosted at a hosting site.

Remember, a domain name is your exclusive address on the Internet. That is the reasoning every person has to have his or her name! Only one person can have it – no one can use it but you.

Here is the quickest and easiest way to prevent this blunder that most Pur3x representatives make::

Get your own domain name with your personal name like mine: This is my name and my site. Oh, if yours is already taken, then just get something similar to it like

Also, you need a site hosting account. I have a preference to be with one of the larger companies like GoDaddy. This is not a time to go stingy. You want it dependable and operating all the time. Pick a “WordPress Blog Hosting Account” so you can get a free blog website up in a matter of minutes.

Finally, go and get a simple site up on that hosting account. will provide them to you for free. WordPress names the no cost sites, “blogs”, and they use themes. They are so easy to set up. You do not have to be expensive or flawless for now. It just needs to be about you.

Let me suggest that you at least get your personal name and hosting account immediately! Here is the dilemma if you do not go to do this immediately. .

It is because someone may acquire your personal name for his or her domain!

The only resolution to prevent this blunder is to secure your personal today. At least secure it before another person secures your personal name.

About the Author: Dave Lovett is a noted Internet and Online Network Marketing Professional. You can learn more about setting up your OWN NAME and HOSTING ACCOUNT at

Simple step by step instructions are available.


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How Much Does It Cost To Have A Vasectomy Reversal Procedure?

By Seomul Evans

A vasectomy reversal is more expensive than having a vasectomy. The reversal procedure is carried out in order to bring back the ability of the man to father children. The cost of the procedure will be determined by the reputation of the clinic, the state where you live and the expertise of the surgeon and support staff to carry out the surgery coupled with your state of health. Many medical insurance covers pay for a vasectomy procedure but they do not pay for a vasectomy reversal procedure since they take it as a type of elective surgery. There are however many clinics which will make an arrangement that will make it possible for the patients to pay the loan without straining.

These clinics came up with such an arrangement in order to encourage those men who would wish to have the procedure carried out but their finances cannot allow them to pay the money at once. The cost of the vasectomy reversal procedure should be secondary since of main concern is the experience of the surgeon and the support staff. One should select a clinic that has a good reputation of mainly conducting successful reversal procedures. You should strive to get a review of the services offered there by talking to their former patients who have had successful reversal procedures. This is because vasectomy reversal procedure is one of the known fertility treatments with a high success rate provided the doctor performing the minor operation is qualified.

A vasectomy reversal procedure is less expensive compared to other types of fertility treatments. One will need 10000-15000 dollars compared to 25000 dollars charged for other fertility treatments. The reversal procedure is just a minor operation which causes little discomfort compared to IVF which is quite painful and the cost is prohibitive. The chances of succeeding in IVF are low compared to a reversal procedure. This explains why most couples choose a vasectomy reversal procedure before considering any other available method.

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In the United States vasectomy reversal costs 10000 dollars but it is cheaper in Canada at only 5000 dollars. In case you want to have the procedure carried out, first enquire about the charges that you have to cater for. It is important to ask all the important questions so that you can be certain that you are doing what is required and you are contented with the answers. In case you are not satisfied with the answers, you should not proceed with the vasectomy reversal arrangements but look for another clinic. Make sure that the price quoted is inclusive of everything.

When you are given the quotation of the total cost of the vasectomy there are three kinds of charges that should appear. These are: The surgeon’s fee, the fee for the anesthesia used and the cost of the post operative care and any medicine to be taken.

Anesthesia: This is the money paid to the anesthesiologist to carry out the anesthesia during the minor surgery whether general or regional anesthesia. The cost varies between $2500 and $5000

Surgery: This is the amount paid to the surgeon who performs the vasectomy reversal procedure. The surgeon’s charges amount to between $2500 and $10,000 .The amount of money paid to him will depend on his expertise and the number of successful minor surgeries which he has performed in the past.

Hospital Fees: This is payment for the hospitalization if any and medical tests that were carried out. The amount could range between $2500 and $4500.

About the Author: Seomul Evans is a SEO consultant for

Vasectomy Reversal

and a contributor for a leading

Pregnancy After Vasectomy Reversal



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Microsoft Exam 74 409 Server Virtualization 74 409 Microsoft Practice Test}

Submitted by: Delia Green

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What Are Wealth Management Experts?}

What are Wealth Management Experts?


Katrina Wagner

The history of the modern world is rife with rags to riches then back to rags stories. People who amassed great fortunes only to see them lost through mismanagement. One of the most recent and certainly the most colorful has to be acclaimed rap artist MC Hammer. A self made man who started out with nothing on the rough streets of Oakland California.

He dominated the music charts through a good portion of the 1980s and along the way earned some twenty million dollars in the process. Today he is admittedly broke. No divorce, no personal catastrophe. He only has himself to blame and he’s a shining example of the fact that the ability to accumulate wealth does not necessarily equate to ones ability to manage it.

His and other similar stories serve to point up the fact that wealth management and financial planning are imperative to the success of any business. Hence; it should come as no surprise that the demand for qualified Wealth Management Experts is on the rise and India it turns out has answered that call by opening more institutes that offer advanced financial planning degrees.

A (Certified Financial Planner) or what is also commonly referred to as a (CFP), will have completed the following: A bachelors degree, accompanied by the completion of additional training programs that cover relevant topics. All this, followed by the successful completion of a ten hour exam.

A (Certified Public Accountant) or (CPA) is quite often thought of as being best suited for tax issues but they function on several other levels as well. This can and often does include the day to day management of businesses or persons financial affairs. In the UK, the most reputable CPAs are registered with the ACPA and have completed all required course work and licensing requirements.

A (Personal Finance Specialist) or (PFS) is an advanced level of certification that can be attained by a CPA. To do so one must have a minimum of 3,000 hours of verifiable professional work experience. One must also have successfully completed all additional required course work and finally pass a required exam.

The reason for these post graduate study and certification requirements is that the actual eligibility requirements for pursuing an advanced degree in financial planning and wealth management are in fact quite lenient. This means that pretty much any four year graduate from any discipline or study genre is eligible.

The demand for of wealth management experts only continues to be driven by the financial difficulties being experienced by more governments around the globe. Governments that look to tightening tax codes as a means of increasing revenues. This combined with trends towards globalization in pretty much all genres of business enterprise.

Chesterton House Financial Planning Ltd is one of the leading independent planning firms in the UK. Visit the website for more details.

Individual wealth management

Article Source:

What are Wealth Management Experts?}

Naming Tips From The Internets Most Popular Free Business Name Generator

By Marcia Yudkin

Thinking of using some fancy-dancy automated name generating program to brainstorm possible new company names or new product names? You can easily find such software utilities in a web search.

In what appears to be a bonus of incredible value, these programs not only propose names for your consideration but also take a look and see whether the matching dot-com domain is available.

You know what, though? Most of the time, these advanced and handy tools do not resolve your naming challenge. Indeed, they could be setting you up for a naming catastrophe. Only a knowledge of common naming traps would save you from disaster.

For example, lets suppose were launching a new haircutting salon. One of the names suggested by a name generating program is HaircutSquare. Amazingly, the day Im writing this article, is an available domain. As you think about this name, the tagline Where you always get a square deal pops into your mind. You even start dreaming up the logo and the interior dcor of the salon.

Well, not so fast. This business name has three serious strikes against it.

First, the word square has as one of its meanings dorky or fuddy-duddy. It wouldnt start your business off with a whoosh if your name sent the message, no fashionable haircuts here!

Second, square indicates a blunt-cut, regular shape that people might not want representing their hair style.

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Third, square implies a high-traffic location that might be busy and frantic great for the owners, but not so convenient for those hoping to get a quick haircut.

Automated name generating tools do not warn you about any such pitfalls. Only someone with a deep understanding of the human language or someone who is forewarned of the kinds of dangers to look out for can reject these unfortunate company name options.

Additionally, name generation software doesnt do a good job of coming up with out-of-the-box, captivating company names. The programs give you name possibilities that fall into predictable patterns. More unexpected names like the following are never going to come out of those name generators:

Heads Up

New You Design

Crowning Glory

Razors Edge

Shear Bliss


Caitlins Cuts

How to Name Your Business or Product on Your Own

Heres a condensed version of my companys 19-step process for generating a powerful new name and making certain its going to work for you.

1. Brainstorm as many keywords related to your business or product as you can. Use and keep jotting down words and phrases until you have at least 75.

2. Look for puns, clichs and homonyms of the items on your list. Begin combining items, changing them a little and writing down any new ideas that come to you. Pay special attention to alliteration (repetition of the initial sound), rhyming and contrasting concepts.

3. Now cross off any candidates that have any negative or unwanted implications. Say the names out loud and eliminate any that are hard to pronounce or spell. Reject those that are just blah, that your intended customers wouldnt respond to or that convey an off-target message.

4. You should have just 3-5 options left now. Try these on for size, imagining saying them on the phone and seeing them on stationery, the web and signage. If you dont feel comfortable with one or more of them, eliminate those. Choose a favorite if more than one option remains.

5. Finally, check for any legal problems, such as your favorite name already being trademarked or a name making a promise you cant substantiate.

Youre done! Congratulations, and begin using that great new name everywhere.

About the Author: Marcia Yudkin is Head Stork of Named At Last, a company that brainstorms catchy business names, product names and tag lines for clients. Download a free copy of “19 Steps to the Perfect Company Name, Product Name or Tag Line” at



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Best Small Business Franchise Opportunities For The Natural Handyman

By Candice Clem

It seems that the handyman is quickly becoming a dying breed. With so many businesses and jobs moving towards internet technology and computer based services and products, is seems that the average working adult today has a hard time completing even the most basic of home maintenance or repairs. While this may come across as discouraging to the seasoned hammer swinger, consider that now, more than ever, is the time for you to capitalize on the lack of handyman skills possessed by the average computer jockey. The number of small business opportunities for folks with construction backgrounds or repair skills is rapidly expanding as new niche markets open up. Additionally, many jobs that were traditionally done by the home owner are getting outsourced, creating a slough of new job opportunities for anyone with good business sense who knows how to work with their hands. To that end, here’s a quick taste of some of the choices that are currently available as we look at the Best Small Business Franchise Opportunities For The Natural Handyman.

Mr. Handyman

With the trademark, “On time. Done right.” A Mr. Handyman franchise promises to provide prompt, efficient service to their customers, while providing the franchisee with plenty of business and new leads that can be generated much easier due to Mr. Handyman’s strong success record and numerous awards and achievements. As a Mr. Handyman owner, you’ll deploy handymen to jobs all over your area and build lasting customer relationships, which are sure to earn you valuable referral business. As a franchisee, you’ll also be supported by a world-class team designed to assist you with training, initial startup and ongoing support with your business to make sure that you never feel like you have to figure it all out on your own. If you’re ready to capitalize on this exciting small business opportunity, don’t delay and make the crossover from handyman to Mr. Handyman.


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With one of the most interesting tag lines and a very clever marketing campaign, chances are you’ve seen or heard the phrase, “WE BUY UGLY HOUSES.” This familiar line coupled with a smiling caveman holding a bag of cash is sure to grab your attention and has helped HomeVestors grab plenty of business over the years. A HomeVestors franchisee will go through a 10-Day training program and receive acquisition software and repair cost analysis software. They will also receive market research information to assist them in buying “ugly houses” at below market value, making any needed repairs or upgrades and then selling the newly revived house at a huge profit. Being a part of HomeVestors is much more than just “flipping” houses, because as a HomeVestors franchisee you’ll benefit from hundreds of leads generated by the HomeVestors tv ads, radio spots, billboards and other forms of advertising that let people know that you’re in the business of buying ugly houses.

Matco Tools

If there’s one thing that nearly every handyman can agree on, it’s the value of great tools. What handyman in search of a new small business franchise wouldn’t want to spend his work day in a truck filled with brand new, quality tools. As a Matco Tools franchise owner, you’ll be delighted with their product line of more than 13,000 different tools, specializing in the automotive equipment industry. It couldn’t be easier or more affordable to start a Matco Tools franchise, due to their low start-up costs, in-house financing and no franchise fees, ongoing royalties or advertising fees whatsoever. If you love tools, then consider making your next small business a franchise with Matco Tools.

Handyman Brigade

Well, the name really says it all. Handyman Brigade prides itself in being the answer to the common questions, “how can I find a reliable and trustworthy home repair service, that’s available today?” Handyman Brigade franchises provide fast, reliable home repair services and put the customers’ minds at ease because of their nationally recognized brand and their sterling customer service track record. Handyman Brigade believes, and most experts agree, that there is little doubt that the billion dollar a year home maintenance industry will continue to grow, and whether you’re a seasoned pro at handy-work, or even if you’ve never picked up a tape measure, a Handyman Brigade franchise is your ticket to getting in on this high-growth and potentially lucrative market.

Hopefully one of these small business opportunities caught your attention. A small business franchise is one of the easiest ways to set out on your own and be your own boss while still having the vision, guidance and business strategy of a company that’s been in the business for while and has found the recipe for continued success. With a small business franchise, you’ll be joining an organization that has already done all the hard work of figuring out the type of business that people are looking for, putting it together and then marketing it successfully. Putting your handyman know-how to work in a new small business is sure to be challenging at times, but the satisfaction and success that is bound to come from your new handyman small business franchise is sure to pay off.

About the Author: Find more small businesses for sale at


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About Auto Insurance High Risk

By Jim Bassett

In the normal course of events any person who makes it his obligation to purchase a motor vehicle also makes the implied obligation to prepare for insurance. Auto insurance is of primary necessity if any driver is going to drive on a national road. But the issue of insurance goes deeper than that to incorporate principles of risk n petty issue of insurance. Now because of this people are striving to get auto insurance high risk.

As a principle on its own risk entails the possibility that a car will get involved in an accident or gets stolen. Now, risk determines the amount a driver has to pay towards insurance premiums. This why it is very important for drivers to be careful when approaching insurance companies. Any increased margin of risk can make insurance rise and make it seem like a certain policy is expensive when in actual fact it is not.

Coming to accidents. Usually the one car that is not road worthy or in bad shape attracts high premium. The reason for this is that a car in such a state in more likely to be involved in an accident than a car that is well looked after. In order to make the policy go down in price it is crucial to actually make sure that a car of this nature is serviced regularly, maybe at least twice a month. Servicing must be carried out consistently before opting for insurance assessments. When the insurer considers a car his first thought would be to lower premiums.

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In the other instance drivers who are reckless are due to pay more for insurance. The possibility that a previous convict for drunken or negligent driving will do it again are immense. By and large cases of drunken driving, driving under the influence and reckless driving attract high premium payments. As a matter of correction you should enroll for a defensive driving course.

On the other hand drivers that have unsecured cars are at risk of being robbed. Like I mentioned before the possibility of theft makes insurance increase. Staying in a high theft area and are expensive definitely makes premiums rise. This is why you should consider doing a few things to make it affordable to insure your car.

Install an alarm system on your car to make stealing it just but a near impossibility. An alarm system makes sure s thief hesitates to steal and this thereby reduces the risk of theft by a significant proportion. It would also be wise to invest in a garage that totally secures the car.

And if you are interested in still reducing the chances of the car being stolen try out a tracking device. Installation records are relevant when applying for a quote at the insurers office. And better still if the system is advanced because that then eliminates the possibilities of theft.

On top of this an expensive car is also at risk of being stolen. So instead of trying to buy an expensive and modern car just invest in a cheap one.

Insurance can be a big deal if you have no idea how to work around it. But it is far much simpler to work with insurance when you know some of the things stated above

About the Author: Auto insurance is a necessity if any driver is going to drive on any road. But the issue goes deeper when it comes to

auto insurance high risk

or even

auto insurance cheap

. We can help!


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Dll Files Fixer Free Download For Microsoft Windows}

Submitted by: Chris Carson

A missing or broken DLL link file can give you a big headache. This is most especially if you are not very good with computers. You might be clueless on what a DLL link file is and how does it break or go missing. Basically, DLL link files are tiny files present in all the software that you have. These files aid in the execution of your programs. They also keep your computer from running low on disk space. DLL files are specifically programmed to communicate with the software in preventing program functions from duplicating, therefore saving your computer space so that your computer will still work fast.

Sometimes, out of carelessness, we tend to delete DLL files without knowing what they are for. There may be some situations when we are trying to free up some space on our computers and in turn, we accidentally delete DLL files. Usually there is a pop up box saying that the file you are about to delete can cause for your computer to malfunction, however most times these warnings are ignored. There are also instances of programs accidentally overwriting DLL files which can break them. When these kinds of things happen, you will need a dll files fixer.

You know that you already have problems with your DLL files if you try to open a couple of programs and you get a pop up window that says you are missing some files. This isnt so bad since sometimes the program will still work but with limited functionality. In some cases however, the programs will not open at all. Probably the worst that could happen is getting the blue screen of death (BSOD). This is an indicator that the DLL files that were lost or broken are crucial files to your operating system.

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It can be really scary to experience the BSOD, as it usually means expensive repair costs. As of now, there are no complete lists of essential DLL files because there are a huge number of programs that are dependent on them. Likewise, taking the time to actually go through your files and folders one by one to look for these files is a very rigorous task.

Even if you are not experiencing any of the serious problems mentioned before, it still does not mean you dont need a dll files fixer download. Did you know that a slow computer can also be an indication that you are missing a couple of important DLL files?

If you want to make sure that you are not missing DLL files or if you are already missing DLL files, theres a software you can download that you can use to check. The best thing is that its a dll files fixer free of charge!

Read this short dll files fixer review and find out why this product is for you. Since its free, all you need to is press download and it will start downloading without even asking you for personal details unlike other programs. It is also a very small file, only 8 MB so it will only take up a small space of your computer. This software promises to fix all your problematic DLL files with just one-click. No need to list down the missing files, or download specific files and/or programs. It will automatically find and fix the problem for you. If you are someone who does not have the patience to go through all the files and folders in your computer, then this program is most definitely for you.

You also get other benefits when you install this program. If you notice your start up time to be slow or lagging, this program can fix that. It also provides several ways of protecting your privacy so that no viruses or other forms of malware can attack your computer and gain access to your files. It will uninstall unused software to free up space and speed up your computer. A lot of people actually forget to uninstall programs that they no longer use, and they use up a lot of valuable storage space.Another helpful thing with this software is that it cleans up all the junk in your system junk that we are either scared to delete or dont know that existed.

For something free, you get a lot with this software. Its definitely worth your time to check it out. Just a heads up, this program only works for Windows users. What are you waiting for? Start your dll files fixer download today!

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Series6 Exam Preparation}

Submitted by: Michael Pappas

Question: 1

Which of the following statements regarding closed-end investment companies is false?

A. A closed-end investment company may not issue preferred stock.

B. Shares of a closed-end company may sell for below the fund’s net asset value.

C. Closed-end companies may be either diversified or non-diversified.

D. The closed-end investment company does not pay taxes on the dividend and capital gain income it earns and distributes to its shareholders.

Answer: A



The false statement is that a closed-end investment company may not issue preferred stock. Although open-end companies (mutual funds) are prohibited from doing so, this is not a restriction governing closed-end companies. Closed-end companies shares sell on exchange floors and may trade below net asset value. Closed-end companies may be either diversified or non-diversified, and the income earned by the company and distributed to its shareholders is not taxed at the investment company level. It is taxed at the shareholder level only.

Question: 2

Pete Prophet, the manager of a bond mutual fund, is expecting interest rates to increase. All

else equal,

which of the following bonds would be the best investment under this assumption?

A. a Treasury strip with 15 years to maturity

B. a bond with a 10% coupon and 5 years to maturity

C. a bond with a 5% coupon and 10 years to maturity

D. a zero-coupon corporate bond with 12 years to maturity

Answer: B



If Pete is expecting interest rates to increase, the bond with a 10% coupon and 5 years to maturity is the best investment. If interest rates increase, bond prices fall, so he will want to invest in the bond that will have the lowest percentage decrease in price. This will be the bond with the shortest duration, which is the bond described in Choice B. It has the highest coupon and the fewest years to maturity.

Question: 3

Which of the following do not fall under the category of “advertisement,” as defined by FINRA?

I. scripts used in telemarketing the products of the member firm

II. a website maintained by the member firm

III. research reports that the member firm distributes to both its existing clients and its prospective clients

IV. sales material that a member firm distributes only to its institutional clients


I only


IV only


I, III, and IV only


III and IV only

Answer: C



Only the materials described in Selections I, III, and IV do not fall under the category of “advertisement,” as defined by FINR

A. Scripts (Selection I) and research reports (Selection II) are considered to be “sales literature,” not advertisements. Sales material that is distributed only to

institutional investors (Selection IV) is in a category all by itself.

Question: 4

Which of the following statements regarding a Coverdell Education Savings Plan (ESA) are true?

I. There are income limitations regarding those who may contribute to an ESA.

II. There is a maximum annual aggregate amount that can be contributed to a single beneficiary’s account.

III. Contributions to an ESA are tax deductible.


The monies must be used prior to the beneficiary’s 30th birthday for education-related expenses in order to avoid paying both taxes and a penalty.


I and II only


I and III only


I, II, and IV only


I, II, III, and IV

Answer: C



Only Statements I, II, and IV regarding an ESA are true. The ability to establish one is limited to those with an adjusted gross income specified by government guidelines, and there is a maximum annual aggregate amount that can be contributed to a single beneficiary’s account regardless of how many contributors there are to that account. If the monies are not used for education-related expenses prior to the beneficiary’s 30th birthday, there is a mandatory distribution requirement, at which point the distribution will be taxed as ordinary income and a 10% penalty will be assessed.

Question: 5

In mid-September, the stock of, Inc. (AMZN) is selling for $147.A January call option on the stock is selling for $6.10 and has a strike price of $160. This call option is:

A. at the money.

B. in the money.

C. out of the money.

D. overpriced. No one should pay $6.10 for the right to buy a share of stock for $160 when its current market price is only $147.

Answer: C



If is selling for $147 and the strike price on the option is $160, the call option is said to be out of the money since, even if an investor were given the option free, he would not benefit from exercising it at this time. If he did so, he would be paying $160 for a stock that is selling for only $147 on the open market. Even so, the option is not necessarily overpriced at $6.10 because the option has what is known as “time value” on it. The stock of has several months during which it could rise well above the $160 strike price on the option.

Question: 6

Mr. Cashout recently sold some mutual fund shares that he owned. The sale resulted in longterm capital gain income of $6,000. He also sold some shares of a stock he had purchased during the year and realized a short-term capital gain on the sale of $2,000. The sale of another individual stock resulted in a short-term capital loss of $3,500. Mr. Cashout also had some bonds that he had bought at a premium mature, resulting in a long-term capital loss of $500. What is Mr. Cashout’s net capital gain or loss from these transactions?

A. a net long-term capital gain of $4,500

B. a net long-term capital gain of $4,000

C. a net short-term capital loss of $4,000

D. a net long-term capital gain of $8,000

Answer: B



If Mr. Cashout sold mutual fund shares for a long-term capital gain of $6,000, had bonds that matured that resulted in a short-term capital loss of $500, and realized a short-term capital gain of $2,000 and a short-term capital loss of $3,500 on the sale of shares of individual stocks that he owned, he has a net long-term capital gain of $4,000. The long-term gains and losses are netted first: $6,000 – $500 = $ 5500 long-term gain. Then the short-term gains and losses are netted: $2,000 – $3,500 = -$1,500. The short-term capital loss can be used to offset part of the long-term capital gain, resulting in a ($5500 $ 1,500 =) $4,000 long-term capital gain.

Question: 7

Your nephew has asked you to help him formulate a financial plan for his family. Scott is 27 years old and has been employed as an associate with a law firm for two years. Sarah, his wife, is 26 years old and works in the human resources department of a large corporation. The couple is childless now, but they plan to begin a family in a few years. Together, they have accumulated $10,000 in a savings account and recently inherited $40,000 cash. They expect to be able to start saving at least $5,000 annually since their incomes more than meet their current needs. They each have employer-provided health insurance and retirement plans. Both have excellent upward mobility potential in their careers. They currently pay taxes at the marginal rate of 15%. Scott tells you that although they regularly read some of the more popular financial investment magazines, neither feels particularly knowledgeable about the world of investments. Based on this information, which of the following statements is true?

A. A greater than average percentage of their money should be invested in money market mutual funds to meet their needs for liquidity.

B. A greater than average percentage of their money should be invested in municipal bonds to minimize their currently high tax bill.

C. Although some money should be allocated to bond funds for diversification purposes, bond funds should be underweighted in favor of stock funds.

D. Purchasing power risk is not an issue in their situation.

Answer: C



Given that Scott and Sarah already have a nice nest egg started at their relatively young ages and are expecting to be able to contribute more to it, with no obvious need for current income, some of their money should be allocated to bond funds for diversification purposes, but bond funds should be underweighted in favor of stock funds. Purchasing power risk is an issue for them, and bond funds do not provide the inflation hedge that stock funds do. At the current time, municipal bond funds should not be selected since they pay taxes at a low marginal tax rate. This allocation may need to be changed down the road a bit as their tax rate (and other circumstances) change. Only a minimal amount of money should be allocated to a money market fund since the couple has no need for current income, and money market funds offer low returns.

Question: 8

Brian is single and 32 years old. He is employed as a buyer for a large sporting goods retail chain and participates in an employer-matched 401(k) plan. He remembers hearing about the benefits of passively managed portfolios in a college investments course he took. Therefore, he is directing 100% of his 401(k) monies into an S&P 500 Index fund. He has also been investing all of his discretionary income into a regular account with the same S&P 500 Index fund. Brian’s goal is to retire no later than his 55th birthday. Is this the best investment strategy for him?

A. Yes. He is investing in a diversified portfolio of stocks that is passively managed, so he isn’t having to pay big management fees.

B. Yes. Because index funds are passively managed, they don’t have as high a turnover rate, and lower turnover rates result in lower tax bills for the investor. Brian gets diversification and a lower tax bill.

C. Question: The S&P 500 Index consists only of large, domestic stocks, so Brian isn’t as diversified as he could be, and his investments may not grow fast enough for him to retire on his 55th birthday.

D. Both A and B are reasons that Brian’s strategy is the best strategy for him.

Answer: C



No, investing all of his retirement savings and all his discretionary income into the same S&P 5 00 Index fund is not the best strategy for Brian because the S&P 500 Index consists only of large domestic stocks, so Brian isn’t as diversified as he could be, and his investments may not grow fast enough for him to retire on his 55th birthday. Although the S&P 500 Index fund is passively managed, which results in lower management fees and lower tax bills, Brian could spread his money among other index funds that offer these same benefits as well. For example, he could invest in a small cap index fund, a mid-cap index fund, and even a foreign stock index fund, such as an EAFE Index fund. This would give him even more diversification potential, and since the stocks in which these funds invest are a bit riskier, the funds offer a higher expected return, which should advance him toward his retirement goal more quickly. Brian’s investment horizon is sufficiently long for him to be able to handle the risk. Furthermore, investing all of one’s money in a single fund-even a single S&P 500 Index fund-isn’t the best strategy, especially if one has a lot of money to invest as Brian does. Not all S&P 500 Index funds perform equally well.

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