Comparing Financial Services Assignment. Part 1: Investment alternatives. You will be using the website assignment.
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1 MBF 3C Name: Date: Comparing Financial Services Assignment Part 1: Investment alternatives You will be using the website assignment. w.tdcanadatrust.com to complete this part of the 1) Choose accounts from the menu at the left, information about chequing and savings accounts is displayed. Click on each of them, and briefly describe the differences between the two types of accounts. 2) Under the tools menu on the right, select compare savings accounts a) Which is the only account that has unlimited debit transactions at no extra cost? b) Which account charges the most for additional transactions? c) Name 2 additional fees that are charged on some of the accounts. d) What interest rate would you receive if you had a companion account with $6000 in it? e) What interest rate would you receive if you had a GIA account with $6000 in it? f) After comparing the different accounts, which one do you think would be best for you? Why? 3) Click on how interest is calculated from the menu at the right, If you scroll down to the notes on the second page you will see this:
2 0.05% would be, with 30 days the formula to calculate the interest, if the given rate was This means, that if there is a balance of $600 in an account, for a month the US GIC s and the specialty GIG s. would be the best option for the following situations. Explain why. Exclude 5) Read the descriptions for the different types of GIC s and decide which c) Where can GIC s be purchased? b) What does the name indicate about the risk factor for this investment? a) What does GIG stand for? from the menu at the right. 4) Click on investing then term deposits and GIG s then rate information an account paying 0.06% interest. a) Calculate the amount of interest earned for the month of May, if $750 is in A = , which means that $0.02 was earned in interest. A 600( ) appropriate tier) 365. Daily interest is calculated as follows: (Daily closing balance, x (interest rate for the
3 needs to be able to get at the money. longer term? 7) In general, what is the advantage of having an investment locked in for a 5 years? b) How much would a $10000 investment in a long term deposit be worth in at the end of a 1 yearterm? a) How much would an investment of $3000 in a wait and see GIC be worth 6) Determine the amount of the following investments. GIC. c) Dave is saving for a trip to Europe next year. He has $1000 to invest in a and wants to invest the whole amount for her retirement. b) Fran is 29 and just inherited $ She doesn t need the money now, he also wants to do some home improvements in the next few months and a) Ralph got a $4000 bonus from work and wants to invest it somewhere, but
4 c) Microsoft b) a) Air Canada a) 9) Use the Internet to look up the current price for the following stocks 10) If you had 500 shares in each of the previous companies, how much would your investments be worth? 8) What is a major difference between stocks and bonds? b) Sears c)
5 together? c) Why might someone prefer the TD Elite VISA card, to the TD GM card? b) Which cards have annual fees? I a) What is the interest rate for all the cards, except for the low interest card? cards Refer to the chart included in your assignment. Not all credit cards are the same. From the menu on the left, choose credit institutions. TD Canada Trust for example, is associated with VISA. Major credit cards such as VISA and MasterCard are associated with financial the assignment. You will be using the website to complete this part of Part 2: Credit Cards b) Would you want to sell them now? What factors would you consider? Presently, they are worth $ How much money have you lost all 11 )You bought 80 shares in Calculators Inc. last month for $ each.
6 d) New balance b) TD Emerald Visa Card b) Credit limit Credit card bills mean with regards to a credit card statement. 1) The following terms may appear on your credit card bill. Define what they a) TD Gold Travel Visa Card a) Previous balance 2) Describe the type of person who might choose each of the following cards. c) TD Green Visa Card c) Available credit
7 f) Billing date (due date) q b) What is his new balance? = Hint: There are 13 days between May 14 th and May 27 th, so t th The interest rate is 19%. He does not make any payments. How much interest would he be charged until his due date? His due date is May 27 3a) Joseph bought a stereo system on his credit card on May 14 th for $ charged from the posting date until the due date. If the entire balance is not paid off by the due date, simple interest is she owe on her due date? for one of her classes for $62.25, and treated herself to 3 new CD s which sweater for $25.50, paid for a dinner out which cost $55.00, bought a book came to $ She had made an early payment of $50. How much would 2)This month, Cindy had a previous credit card balance of $45, bought a If a payment is made in full by the billing date, no interest is charged. e) Minimum payment
8 Aftr that, interest is compounded monthly until it is paid off c) If Joseph keeps ignoring his bills, how much will he owe on December 27th?UseA=P(1 +j)fl d) How much does he owe in interest? e) How much does he owe next May? f) He chose his credit card because it didn t have an annual fee, but he could have chosen a low interest credit card that only charged 6% interest, but had an annual fee of $120. After 1 year, which card would he have been better off with? By how much? 4a) What type of people benefit from a credit card with no annual fee, but a high interest rate? b) What type of people would be better off with a low interest credit card, even if it has other fees?.9
9 assignment. You will use the website to complete the next part of the 4 What suggestions do they have to improve your credit score? c) Click on credit score basics b) List the seven sections that are found in your credit report. a) In 100 words or less, summarize what a credit report is. 1) Go to the link for credit education centre Credit Rating
10 I)
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