test bank solutions personal finance 6th canadian edition kapoor (1)

Test Bank Solutions Personal Finance 6th Canadian Edition Kapoor Dlabay Hughes Ahmad Fortino Chapter 04 Test Bank (key from page 14) Student: The convenience of using a financial institution with 24-hour banking frequently requires a trade-off with A B C D E safety personal service growth of savings liquidity a lower rate of return A trust has the purpose of A B C D E solving a person's financial problems obtaining low-interest loans handling daily money management activities managing the assets of a person improving a person's budgeting skills The storage of funds for future use is the purpose of A B C D E trust borrowing credit card savings cash chequing When interest rates are rising, a person would be best served by A B C D E short term loans long-term savings instruments short-term savings instruments variable-rate loans short-term loans and long-term savings instruments services An all-purpose account that provides several services is a(n): A B C D E NOW account asset management account EFT account mutual fund money market account Time deposits consist of A B C D E savings accounts loans and charge accounts chequing accounts government securities profits earned by a financial institution Direct deposit and automatic monthly payments are features of A B C D E savings accounts chequing accounts electronic banking investments reserve funds To avoid high fees for loans, a person should not borrow from a A B C D E credit union savings and loan association pawnshop commercial bank mutual savings bank In recent years, membership in credit unions has A B C D E become more difficult due to higher taxes continued to increase been limited to government employees declined due to poor credit union management stayed at about the same level 10 An advantage credit unions may have over other financial institutions is A B C D E interest-bearing chequing accounts flexible-rate loans low-cost personal loans credit cards variable-rate savings plans 11 The major service offered by investment companies is A B C D E interest-bearing checking accounts variable-rate loans credit card accounts savings bonds mutual funds 12 A financial institution organized for the main purpose of providing loans to purchase homes is a A B C D E mortgage and loan company mutual savings bank consumer finance company credit union commercial bank 13 The business hours and location of a financial institution refer to the selecting a financial institution A B C D E factor of safety cost compounding liquidity convenience 14 Which of the following savings plans is not covered by federal deposit insurance? A B C D E a passbook account a regular chequing account a money market account a money market fund a GIC 15 The rate of return on a savings account is also referred to as A B C D E liquidity compounding asset management insolvency yield 16 An advantage of Canada Savings Bonds is A B C D E interest earned is exempt from federal income taxes interest earned is deferred for federal tax purposes a guaranteed rate of return they can be converted to other types of investments they are sold twice a year 17 Joan Zemke expects interest rates to decline over the next few months To maximize her earnings she should use a(n) A B C D E five-year GIC interest-bearing chequing account regular savings account six-month GIC money market fund 18 Which of these is not a characteristic of the compound interest bond? A B C D E various purchase options denominations of $100 up to $10,000 interest paid on November of each year can be purchased by cash cashable at any time for their face value 19 A saver will usually earn the highest rate with which of the following types of savings plans? A B C D E Guaranteed Investment Certificates club account passbook account share account NOW account 20 A $400 savings account that earns $15 interest in a year has a yield of A B C D E 15 4.75 3.75 6.5 21 Savings compounded A B C D E percent would have the highest effective yield monthly annually semi-annually daily weekly 22 Comparison of earnings for different savings plans can best be accomplished using the A B C D E discounted present value compounded rate of return net present value effective annual rate after-tax rate of return 23 If the annual rate is 10%, and the interest is compounded quarterly, what is the effective annual rate? A B C D E 10.00% 10.25% 10.38% 12.00% 12.68% 24 If the annual rate is 10% and inflation is 4%, then the approximate real rate of return is: A B C D E 14.00% 4.00% 6.00% 6.80% 7.00% 25 Briana Legett expects interest rates to decline over the next few months To maximize her earnings she should use a(n): A B C D E regular savings account interest-bearing checking account five-year certificate of deposit six-month certificate of deposit money market fund 26 A service designed for people who write only a few cheques each month is a(n) account A B C D E EFT regular chequing share draft interest-bearing chequing activity 27 Kevin Friedman only needs to write a couple of cheques each month Which type of chequing account would best serve his needs? A B C D E an interest-earning chequing account an activity account an EFT account a share draft account a NOW account 28 The funds deposited in a chequing account can be restricted for use by A B C D E a holding period outstanding cheques interest earned service charges electronic banking 29 A personal cheque with guaranteed payment is called a A B C D E traveler's cheque bank draft certified cheque money order cashier's cheque 30 The purpose of a "special" endorsement is to A B C D E cash a cheque deposit a cheque transfer a cheque to another person withdraw cash from your account reduce the charge for service fees 31 A cash A B C D E endorsement would be used if a person is presenting a cheque in order to obtain restrictive common special blank documented 32 The first information to be recorded when writing a cheque is the A B C D E date cheque stub or cheque register payee amount signature 33 When preparing a bank reconciliation, outstanding cheques should be A B C D E added to the bank statement balance subtracted from the bank statement balance added to the chequebook balance subtracted from the chequebook balance added to direct deposits 34 In the bank reconciliation process, service fees should be A B C D E added to the bank statement balance subtracted from the bank statement balance added to the chequebook balance subtracted from the chequebook balance added to direct deposits 35 Based on the following information, what amount would be SUBTRACTED from the BANK BALANCE side of a chequing account reconciliation? Service charge $6, Outstanding cheques $260, Interest $3 00, Deposit in transit $65 A B C D E $260 $65 $71 $68 $266 36 The "prime" rate is A B C D E The lending rate banks charge their most creditworthy clients The yield on 91-day treasury bills The yield on 30-year government bonds The yield on 1-year government bonds The yield on corporate bonds 37 Which best describes the prime rate of interest? A B C D E The lending rate banks charge their most creditworthy clients The yield on 91-day treasury bills The yield on 30-year government bonds The lending rate the Bank of Canada charges financial institutions The base rate for all mortgages 38 When interest rates are falling, a person would be best served by A B C D E short term loans short-term savings instruments same approach as if interest rates are rising variable-rate loans long term loans 39 The yield on a savings account is also referred to as A B C D E liquidity compounding asset management insolvency rate of return 40 Which of these is not a characteristic of the compound interest bond? A B C D E various purchase options denominations of $100 up to $10,000 cashable at any time for their face value can be purchased by cash A, B, C and D are all characteristics of the compound interest bond 41 A $100 savings account that earns $5 interest in a year has a yield of A B C D E 4.75 3.75 6.5 percent 42 Savings compounded A B C D E would have the lowest effective yield monthly annually semi-annually daily weekly 43 If the annual rate is 8%, and the interest is compounded quarterly, what is the effective annual rate? A B C D E 8.00% 10.25% 10.38% 7.85% 8.24% 44 If the annual rate is 8%, and the interest is compounded monthly, what is the effective annual rate? A B C D E 8.00% 10.25% 10.38% 7.85% 8.30% 45 If the annual rate is 8%, and the interest is compounded annually, what is the effective annual rate? A B C D E 8.00% 10.25% 10.38% 7.85% 8.24% 46 If the annual rate is 3% and inflation is 2%, then the approximate real rate of return is: A B C D E 5.00% 3.00% 1.00% - 1.0% 0% 47 If the annual rate is 2% and inflation is 3%, then the approximate real rate of return is: A B C D E 5.00% 3.00% 1.00% - 1.0% 0% 48 Robert expects interest rates to rise over the next few months To maximize his earnings he should use a: A B C D E regular savings account five year GIC five-year certificate of deposit six-month certificate of deposit money market fund 49 The use of electronic banking does not add to the "float" time for financial services customers True False 50 Time deposits are more commonly referred to deposits made to savings accounts and investment certificates True False 51 ATM fees are about the same in different geographic areas True False 52 Lower returns on savings will usually result in less liquidity True False 53 A "free" chequing account with a minimum balance of $500 has an opportunity cost of lost interest True False 54 Store credit cards usually charge a higher interest rate than a bank credit card True False 55 Credit unions frequently offer lower loan rates than other financial institutions True False 56 The money market fund offered by investment companies is a highly liquid financial service True False 57 Mortgage and loan companies specialize principally in home mortgages and long-term loans True False 58 A regular savings account usually offers a higher rate of return to savers than other savings plans True False 59 A trust is a safe place for people to make large deposits for maximum security True False 13 (p 125) The business hours and location of a financial institution refer to the selecting a financial institution A B C D E factor of safety cost compounding liquidity convenience Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #13 Learning Objective: 14 (p 124) Which of the following savings plans is not covered by federal deposit insurance? A B C D E a passbook account a regular chequing account a money market account a money market fund a GIC Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #14 Learning Objective: 15 (p 129) The rate of return on a savings account is also referred to as A B C D E liquidity compounding asset management insolvency yield Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #15 Learning Objective: 16 (p 128) An advantage of Canada Savings Bonds is A B C D E interest earned is exempt from federal income taxes interest earned is deferred for federal tax purposes a guaranteed rate of return they can be converted to other types of investments they are sold twice a year Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #16 Learning Objective: 17 (p 128) Joan Zemke expects interest rates to decline over the next few months To maximize her earnings she should use a(n) A B C D E five-year GIC interest-bearing chequing account regular savings account six-month GIC money market fund Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #17 Learning Objective: 18 (p 128- Which of these is not a characteristic of the compound interest bond? 129) A B C D E various purchase options denominations of $100 up to $10,000 interest paid on November of each year can be purchased by cash cashable at any time for their face value Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #18 Learning Objective: 19 (p 128) A saver will usually earn the highest rate with which of the following types of savings plans? A B C D E Guaranteed Investment Certificates club account passbook account share account NOW account Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #19 Learning Objective: 20 (p 129) A $400 savings account that earns $15 interest in a year has a yield of A B C D E percent 15 4.75 3.75 6.5 Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #20 Learning Objective: 21 (p 129) Savings compounded A B C D E would have the highest effective yield monthly annually semi-annually daily weekly Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #21 Learning Objective: 22 (p 130) Comparison of earnings for different savings plans can best be accomplished using the A B C D E discounted present value compounded rate of return net present value effective annual rate after-tax rate of return Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #22 Learning Objective: 23 (p 130) If the annual rate is 10%, and the interest is compounded quarterly, what is the effective annual rate? A B C D E 10.00% 10.25% 10.38% 12.00% 12.68% Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #23 Learning Objective: 24 (p 130) If the annual rate is 10% and inflation is 4%, then the approximate real rate of return is: A B C D E 14.00% 4.00% 6.00% 6.80% 7.00% Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #24 Learning Objective: 25 (p 132) Briana Legett expects interest rates to decline over the next few months To maximize her earnings she should use a(n): A B C D E regular savings account interest-bearing checking account five-year certificate of deposit six-month certificate of deposit money market fund Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #25 Learning Objective: 26 (p 132) A service designed for people who write only a few cheques each month is a(n) account A B C D E EFT regular chequing share draft interest-bearing chequing activity Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #26 Learning Objective: 27 (p 132) Kevin Friedman only needs to write a couple of cheques each month Which type of chequing account would best serve his needs? A B C D E an interest-earning chequing account an activity account an EFT account a share draft account a NOW account Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #27 Learning Objective: 28 (p 133) The funds deposited in a chequing account can be restricted for use by A B C D E a holding period outstanding cheques interest earned service charges electronic banking Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #28 Learning Objective: 29 (p 133) A personal cheque with guaranteed payment is called a A B C D E traveler's cheque bank draft certified cheque money order cashier's cheque Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #29 Learning Objective: 30 (p 140) The purpose of a "special" endorsement is to A B C D E cash a cheque deposit a cheque transfer a cheque to another person withdraw cash from your account reduce the charge for service fees Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #30 Learning Objective: 31 (p 140) A obtain cash A B C D E endorsement would be used if a person is presenting a cheque in order to restrictive common special blank documented Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #31 Learning Objective: 32 (p 141) The first information to be recorded when writing a cheque is the A B C D E date cheque stub or cheque register payee amount signature Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #32 Learning Objective: 33 (p 142) When preparing a bank reconciliation, outstanding cheques should be A B C D E added to the bank statement balance subtracted from the bank statement balance added to the chequebook balance subtracted from the chequebook balance added to direct deposits Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #33 Learning Objective: 34 (p 142) In the bank reconciliation process, service fees should be A B C D E added to the bank statement balance subtracted from the bank statement balance added to the chequebook balance subtracted from the chequebook balance added to direct deposits Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #34 Learning Objective: 35 (p 142) Based on the following information, what amount would be SUBTRACTED from the BANK BALANCE side of a chequing account reconciliation? Service charge $6, Outstanding cheques $260, Interest $3 00, Deposit in transit $65 A B C D E $260 $65 $71 $68 $266 Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #35 Learning Objective: 36 (p 122) The "prime" rate is A B C D E The lending rate banks charge their most creditworthy clients The yield on 91-day treasury bills The yield on 30-year government bonds The yield on 1-year government bonds The yield on corporate bonds Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #36 Learning Objective: 37 (p 122) Which best describes the prime rate of interest? A B C D E The lending rate banks charge their most creditworthy clients The yield on 91-day treasury bills The yield on 30-year government bonds The lending rate the Bank of Canada charges financial institutions The base rate for all mortgages Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #37 Learning Objective: 38 (p 121) When interest rates are falling, a person would be best served by A B C D E short term loans short-term savings instruments same approach as if interest rates are rising variable-rate loans long term loans Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #38 Learning Objective: 39 (p 129) The yield on a savings account is also referred to as A B C D E liquidity compounding asset management insolvency rate of return Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #39 Learning Objective: 40 (p 128- Which of these is not a characteristic of the compound interest bond? 129) A B C D E various purchase options denominations of $100 up to $10,000 cashable at any time for their face value can be purchased by cash A, B, C and D are all characteristics of the compound interest bond Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #40 Learning Objective: 41 (p 129) A $100 savings account that earns $5 interest in a year has a yield of A B C D E percent 4.75 3.75 6.5 Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #41 Learning Objective: 42 (p 129) Savings compounded A B C D E would have the lowest effective yield monthly annually semi-annually daily weekly Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #42 Learning Objective: 43 (p 130) If the annual rate is 8%, and the interest is compounded quarterly, what is the effective annual rate? A B C D E 8.00% 10.25% 10.38% 7.85% 8.24% Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #43 Learning Objective: 44 (p 130) If the annual rate is 8%, and the interest is compounded monthly, what is the effective annual rate? A B C D E 8.00% 10.25% 10.38% 7.85% 8.30% Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #44 Learning Objective: 45 (p 130) If the annual rate is 8%, and the interest is compounded annually, what is the effective annual rate? A B C D E 8.00% 10.25% 10.38% 7.85% 8.24% Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #45 Learning Objective: 46 (p 130) If the annual rate is 3% and inflation is 2%, then the approximate real rate of return is: A B C D E 5.00% 3.00% 1.00% - 1.0% 0% Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #46 Learning Objective: 47 (p 130) If the annual rate is 2% and inflation is 3%, then the approximate real rate of return is: A B C D E 5.00% 3.00% 1.00% - 1.0% 0% Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #47 Learning Objective: 48 (p 132) Robert expects interest rates to rise over the next few months To maximize his earnings he should use a: A B C D E regular savings account five year GIC five-year certificate of deposit six-month certificate of deposit money market fund Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #48 Learning Objective: 49 (p 118) The use of electronic banking does not add to the "float" time for financial services customers TRUE Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #49 Learning Objective: 50 (p 118) Time deposits are more commonly referred to deposits made to savings accounts and investment certificates TRUE Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #50 Learning Objective: 51 (p 119) ATM fees are about the same in different geographic areas FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #51 Learning Objective: 52 (p 120) Lower returns on savings will usually result in less liquidity FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #52 Learning Objective: 53 (p 120) A "free" chequing account with a minimum balance of $500 has an opportunity cost of lost interest TRUE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #53 Learning Objective: 54 (p 123) Store credit cards usually charge a higher interest rate than a bank credit card TRUE Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #54 Learning Objective: 55 (p 123) Credit unions frequently offer lower loan rates than other financial institutions TRUE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #55 Learning Objective: 56 (p 123) The money market fund offered by investment companies is a highly liquid financial service TRUE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #56 Learning Objective: 57 (p 124) Mortgage and loan companies specialize principally in home mortgages and long-term loans FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #57 Learning Objective: 58 (p 127) A regular savings account usually offers a higher rate of return to savers than other savings plans FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #58 Learning Objective: 59 (p 123) A trust is a safe place for people to make large deposits for maximum security FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #59 Learning Objective: 60 (p 129) If you think interest rates will increase, you should consider investing your money in a longerterm GIC FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #60 Learning Objective: 61 (p 130) The more frequent the compounding, the less a person will earn on a savings account FALSE Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #61 Learning Objective: 62 (p 121) All financial institutions are able to process customer deposit and withdrawal transactions FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #62 Learning Objective: 63 (p 130) Savers should always attempt to obtain an interest rate that is less than the inflation rate FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #63 Learning Objective: 64 (p 130) The increase in purchasing power of an investment is not reflected in its real rate of return FALSE Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #64 Learning Objective: 65 (p 132) Activity accounts are designed for people who write many cheques each month FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #65 Learning Objective: 66 (p 140) A restrictive endorsement will usually include the words "for deposit only." TRUE Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #66 Learning Objective: 67 (p 141) When preparing a bank reconciliation, interest earned on your chequing account is subtracted from the bank statement balance FALSE Difficulty: Hard Gradable: automatic Kapoor - Chapter 04 #67 Learning Objective: 68 (p 119) ATM fees may be different in different geographic areas TRUE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #68 Learning Objective: 69 (p 120) A "free" chequing account with a minimum balance of $500 has no opportunity cost FALSE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #69 Learning Objective: 70 (p 123) Store credit cards usually charge a lower interest rate than a bank credit card FALSE Difficulty: Easy Gradable: automatic Kapoor - Chapter 04 #70 Learning Objective: 71 (p 127) A regular savings account usually offers a lower rate of return to savers than other savings plans TRUE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #71 Learning Objective: 72 (p 129) If you think interest rates will decrease, you should consider investing your money in a longerterm GIC TRUE Difficulty: Medium Gradable: automatic Kapoor - Chapter 04 #72 Learning Objective: 73 (p 122- What are the main types of financial institutions used by consumers? 125) Deposit-type institutions include chartered banks, credit unions and caisses populaires Nondeposit institutions include life insurance, investment, and mortgage and loan companies as well as pawnshops and cheque-cashing outlets Difficulty: Medium Gradable: manual Kapoor - Chapter 04 #73 Learning Objective: 74 (p 127- Evan Kostakis is living in this country while going to school He is not familiar with the 128) operation of savings plans available to consumers What factors would you recommend that he consider when evaluating and comparing different savings plans? When evaluating a savings plan, consider the rate of return (yield), the interest method, liquidity, safety, restrictions, and costs of the account Difficulty: Medium Gradable: manual Kapoor - Chapter 04 #74 Learning Objective: 75 (p 131- Brad Kellogg maintains a monthly balance in his chequing account of approximately $150, 133) writes about 25 cheques a month, and makes three deposits each month How would Brad decide which of the following chequing accounts to use? I a regular chequing account with a monthly fee of $4.50 for an unlimited number of cheques and no monthly balance required; no interest earned II an interest-bearing chequing account paying percent interest on balances over $300; monthly service charge of $6 when the balance is below $300 III a special chequing account that charges 35 cents a cheque and 20 cents for each deposit; no interest earned IV a minimum-balance account that requires a $200 minimum balance to avoid the $10 monthly fee; interest earned when balance is above $400 Brad should compare the expected monthly cost for each situation (service charges, costs per cheque, other fees) with any earnings for interest In addition to the financial aspects of each account, he should also consider the convenience, location, and other services offered by the financial institution Difficulty: Medium Gradable: manual Kapoor - Chapter 04 #75 Learning Objective: 76 (p 135) Based on the following information, find the true balance of your chequing account and the sum, if any, of deposits in transit Balance on bank statement, $581 Total of outstanding cheques, $200 Service charges, $11 Interest earned on account, $7 Balance in your chequebook, $540 Reconciled balance = $540 + $7 - $11 = $536; Deposits in transit = $536 + $200 - $581 = $155 Difficulty: Hard Gradable: manual Kapoor - Chapter 04 #76 Learning Objective: 77 (p 133) List the fees and charges that chequing accounts may have Fees could include any of the following Monthly fee, each cheque or deposit, cheque printing, obtain cancelled cheque, overdraft, stop-payment order, certified cheque, preauthorized bill payment, fund transfer, home banking Difficulty: Hard Gradable: manual Kapoor - Chapter 04 #77 Learning Objective: 78 (p 133) List the chequing account selection features discussed in the text Restrictions, fees and charges, special services and interest Difficulty: Medium Gradable: manual Kapoor - Chapter 04 #78 Learning Objective: Test Bank Personal Finance 6th Canadian Edition Kapoor 04 Summary Category Difficulty: Easy Difficulty: Hard Difficulty: Medium Gradable: automatic Gradable: manual Kapoor - Chapter 04 Learning Objective: Learning Objective: Learning Objective: Learning Objective: Learning Objective: More download links: personal finance kapoor 6th edition test bank personal finance 6th canadian edition solutions manual pdf personal finance kapoor 6th edition pdf personal finance 6th canadian edition test bank personal finance 5th canadian edition kapoor pdf personal finance pdf kapoor personal finance kapoor 6th edition pdf download personal finance 5th canadian edition pdf # of Questions 19 15 44 72 78 16 15 18 14 15