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G11 STEM - 1ST SEM > GEN MATH - BUSINESS MATH > Flashcards

GEN MATH - BUSINESS MATH Flashcards

1
Q

interest that is computed on the principal and then added to it

A

SIMPLE INTEREST

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2
Q

amount paid or earned for the use of money

A

INTEREST

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3
Q

amount paid or earned for the use of money

A

INTEREST

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4
Q

3 factors to consider in interest

A
  1. rate of interest (r)
  2. length of time (t)
  3. principal (P)
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5
Q

is given by the bank or charged by the lender.

A

Rate of interest (r)

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6
Q

The _____________ for which money is deposited or borrowed.

A

length of time (t)

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7
Q

The __________ is the sum of money deposited.

A

PRINCIPAL

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8
Q

person (or institution) who owes the money or avails of the funds from the lender

A

BORROWER OR DEBTOR

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9
Q

date which money received by the borrower

A

ORIGIN OR LOAN DATE

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10
Q

total amount of money at the end of the transaction period

A

FINAL AMOUNT OR MATURITY VALUE OR FUTURE VALUE

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11
Q

interest on a deposit or loan is computed once for the full term of the loan

A

SIMPLE INTEREST

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12
Q

When earning is added to the principal at regular intervals and the sum becomes a new principal, the interest is said to be _______

A

COMPOUNDED

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13
Q

The present value of the money is the amount deposited in the current account in order to have a certain target amount in the future. The final amount is called the ___________

A

COMPOUND AMOUNT

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14
Q

The difference between the compound amount and the original principal is called the __________. The interest may be compounded annually, semi-annually, quarterly or monthly.

A

Compound interest

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15
Q

is a sequence of equal payments given or received at equal intervals of time

A

ANNUITY

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16
Q

is the time between successive payments

A

PAYMENT INTERVAL

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17
Q

Classifications of Annuity

A
  1. Simple Annuity
  2. General Annuity
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18
Q

In ____________, the payment interval is the same as the interest period.

A

SIMPLE ANNUITY

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19
Q

In ____________, the payment interval is the not the same as the interest period.

A

GENERAL ANNUITY

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20
Q

Kinds of Simple Annuity
1. ____________ - annuity in which the periodic payment is made at the end of each payment interval
2. ___________- an annuity in which the periodic payment is made at the beginning of each payment interval.

A
  1. ORDINARY ANNUITY
  2. ANNUITY DUE
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21
Q

the total accumulation of the payment (sum of future values of all payments) to be made during the entire term of the annuity.

A

FUTURE VALUE OF AN ANNUITY

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22
Q

is the principal (sum of present values of all payments) to be made during the entire term of the annuity.

A

PRESENT VALUE OF AN ANNUITY

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23
Q

is a term that refer to payment received (cash inflows) or payments or deposits made (cash outflows).

A

CASH FLOW

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24
Q

are visual representation of revenue and spending over a period of time.

A

CASH FLOW DIAGRAMS

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25
Q

Cash inflow - _______arrow
Cash outflow - ________ arrow

A

UPWARD
DOWNWARD

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26
Q

The sum of the compound amounts of all regular payments is what we call the __________ while the sum of the “principals” of all the regular payments is _________. The compound amount of the present value is also equal to the future value of the annuity.

A

FUTURE VALUE
PRESENT VALUE

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27
Q

is an annuity wherein the interest conversion period is unequal or not the same as the payment interval

A

GENERAL ANNUITY

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28
Q

The latest cellphone sells for Php 5,000 downpayment and Php 900 every end of each quarter for 3 years at the rate of 8% compounded semi-annually. Find the cash equivalent of the cellphone

A

FUTURE VALUE

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29
Q

The first payment is not made at the beginning nor at the end of the payment interval but at a later date.

A

DEFERRED ANNUITY

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30
Q

the length of time when these payments are made. In an annuity whose first payment is made at the end of the 7 periods, the annuity is deferred for 6 periods.

A

PERIOD OF DEFERMENT

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31
Q

Find the value of 10 semi-annual payments of Php 2,000 each if the first payment is due at the end of 3 years and money is worth 8% compounded semi-annually.

A

PRESENT VALUE

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32
Q

are shares in the ownership of the company.

A

STOCKS

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33
Q
  • share in the company profit.
    – earnings distributed to shareholders of a corporation.
A

DIVIDEND

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34
Q

ratio of the dividends to the number of shares.

A

DIVIDEND PER SHARE

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35
Q

a place where stocks can be
bought or sold. The stock market
in the Philippines is governed by
the Philippines Stock Exchange (PSE).

A

STOCK MARKET

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36
Q

the current price of a stock at which it can be sold.

A

MARKET VALUE

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37
Q

ratio of the annual dividend
per share and the market value per share. Also called Current stock yield

A

STOCK YIELD RATIO

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38
Q

the per share amount as stated on the company certificate. Unlike market value, it is determined by the company and remains stable over time.

A

PAR VALUE

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39
Q

can be considered as part owners of the company.

A

OWNERS OF STOCKS

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40
Q

buying or selling stocks.

A

TRADING

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41
Q

investors who buy shares of the corporation from the bank.

A

SHAREHOLDERS OR STOCKHOLDERS

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42
Q

stock issued without a stated value on the certificate.

A

NO-PAR STOCK

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43
Q

a paper issued to a shareholder which shows on its face the number of shares it represents.

A

STOCK CERTIFICATE

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44
Q

– stock sold before it is available on a stock exchange.

A

INITIAL PUBLIC OFFERING (IPO)

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45
Q

Some corporations issue stock without giving the shares any value. That is called

A

NO-PAR STOCK

46
Q

interest-bearing security which
promises to pay:

(1) a stated amount of money on the maturity day
(2) regular interest payments called coupons.

A

BONDS

47
Q

periodic interest payment that the bondholder receives during the time between purchase date and maturity date; usually received semi-annually

A

COUPON

48
Q

– the rate per coupon payment period; denoted by r

A

COUPON RATE

49
Q

the price of the bond at purchase time; denoted by P

A

PRICE OF A BOND

50
Q

amount payable on the maturity date ; denoted by F

A

Par value or Face value

51
Q

fixed period of time (in years) at which the bond is redeemable as stated in the bond certificate; number of years from time of purchase to maturity date.

A

TERM OF A BOND

52
Q

present value of all cash inflows to the bondholder.

A

FAIR PRICE OF A BOND

53
Q

STOCKS OR BONDS?

A form of equity financing or raising money by allowing investors to be part owners of the company.

A

STOCKS

54
Q

STOCKS OR BONDS?

______ prices vary every day.
These prices are reported in various media (newspaper, TV, internet, etc).

A

STOCKS

55
Q

STOCKS OR BONDS?

Investors can earn if the stock prices increase, but they can lose money if the stock prices decrease or worse, if the company goes bankrupt.

A

STOCKS

56
Q

STOCKS OR BONDS?

Higher risk but with possibility of higher returns

A

STOCKS

57
Q

STOCKS OR BONDS?

Can be appropriate if the
investment is for the long term (10 years or more). This can allow investors to wait for stock prices to increase if ever they go low.

A

STOCKS

58
Q

STOCKS OR BONDS?

A form of debt financing, or raising money by borrowing from investors

A

BONDS

59
Q

STOCKS OR BONDS?

Investors are guaranteed interest payments and a return of their money at the maturity date

A

BONDS

60
Q

STOCKS OR BONDS?

Investors still need to consider the borrower’s credit rating. Bonds issued by the government pose less risk than those by companies because the government has guaranteed funding (taxes) from. which it can pay its loans.

A

BONDS

61
Q

STOCKS OR BONDS?

Lower risk but lower yield

A

BONDS

62
Q

STOCKS OR BONDS?

Can be appropriate for retirees (because of the guaranteed fixed income) or for those who need the money soon (because they cannot afford to take a chance at the stock market)

A

BONDS

63
Q

is a measure of a portion of the stock market.

A

STOCK MARKET INDEX

64
Q

go to the PSE personally or phone call to registered broker or logging on to a reputable online trading platform.

A

BUYING OR SELLING STOCKS

65
Q

is a debt contract entered into by two parties. It is in the form of monetary fund and any tangible object of value maybe an object of loan.

A

LOAN

66
Q

TWO TYPES OF LOAN

A
  1. SECURED LOAN
  2. UNSECURED LOAN
67
Q

for business purpose

A

BUSINESS LOAN

68
Q

personal or family use

A

CONSUMER LOAN

69
Q

assets used to secure the loan

A

COLLATERAL

70
Q

time to pay the entire loan

A

TIME OF THE LOAN

71
Q

the process of paying a loan and its interest through series of regular equal payments. A loan to be paid using this scheme is _______

A

AMORTIZATION
AMORTIZATION LOAN

72
Q

a loan secured by a collateral that the borrower is obliged to pay at specified terms

A

MORTGAGE

73
Q

mortgage on a movable property

A

CHATTEL MORTGAGE

74
Q

assets used to secure the loan. It may be a real-state or other investments

A

COLLATERAL

75
Q

any remaining debt at a specified time

A

OUTSTANDING BALANCE

76
Q

an individual who agrees to payback the loan if the borrower fails to pay the loan on time

A

GUARANTOR

77
Q

a payment to an agent or sales person based on the value or quantity of goods bought and sold; broker’s or brokerage fee. It is found by finding the percentage of a sale

A

COMMISSION

78
Q

defined as “the science of correct reasoning”

A

LOGIC

79
Q

KINDS OF SENTENCES

A

Simple Sentence
Compound Sentence
Complex Sentence
Compound Complex

80
Q

classification of sentences

A

Declaration Sentences
Imperative Sentences
Interrogative Sentences
Exclamatory Sentences

81
Q

the study of arguments

A

MATH LOGIC

82
Q

a sequence of statement of which one is intended as a conclusion and others as premises

A

ARGUMENT

83
Q

is a declarative sentence that can be classified as true or false but not both.

A

PROPOSITION

84
Q

“2 is an even number”

A

FALSE

85
Q

“When will you submit your project”

A

NOT PROPOSITION

86
Q

This article is false”

A

PROPOSITION

87
Q

“Today is Tuesday”

A

FALSE

88
Q

A self contradictory proposition like this is called a

A

PARADOX

89
Q

is a declaration sentence that is either true or false but not both. A true proposition has a truth value of “true”, otherwise, its truth value is “false”

A

PROPOSITION

90
Q

Oftentimes, a ________ is used to denote a proposition. That is the proposition.

A

small letter

91
Q

of a proposition shows all its
possible truth values.

A

TRUTH TABLE

92
Q

is a proposition formed from simpler propositions using logical connectors, such as not, and, or, and if-then, or some combination of logical connectors.

A

COMPOUND PROPOSITION

93
Q

it it cannot be broken down any further into other component propositions. They connvey one thought with no connecting words

A

SIMPLE PROPOSITIONS

94
Q

denoted by ~ is the simplest logical operator.

A

NEGATION

95
Q

is denoted by p ꓥ q, read as p and q,

A

CONJUNCTION

96
Q

is denoted by p V q

A

DISJUNCTION

97
Q

denoted by p → q

A

CONDITIONAL

98
Q

is denoted by p ↔ q

A

BICONDITIONAL

99
Q

biconditional p ↔ q is true when

A

the truth values of p and q are the same

100
Q

Two propositions p and q are logically equivalent, denoted by p
<–> q, if they have the same truth values for all possible truth values of their simple components.

A
101
Q

When p is true, its negation ~p is false. On the other hand, when p is false, the negation ~p is true.

A

Idempotent Law (for conjunction)

102
Q

The conjunction p ꓥ q is true only when both conjuncts p and q are true.

A

Idempotent Law (for disjunction)

103
Q

The disjunction p ꓦ q is false only when both disjuncts p and q are false.

A

Associative Law (for conjunction)

104
Q

The conditional p –> q is false only when the proposition p is true, and the conclusion q is false.

A

Associative Law (for disjunction)

105
Q

The biconditional p ↔ q is true when the truth values of p and q are the same.

A

Commutative Law (for conjunction)

106
Q

Given propositions p and q, the following forms of propositions can be derived from p → q

A

Commutative Law (for disjunction)

107
Q

is a compound statement that produces truth always. It is denoted by τ.

A

TAUTOLOGY

108
Q

is a statement that is always false. It is denoted by ϕ.

A

CONTRADICTION

109
Q

is made up of two parts: the given statement called premises and a conclusion.

A

ARGUMENT

110
Q

if the conclusion is true whenever the premises are assumed to be true.

A

VALID ARGUMENT

111
Q

if there exist a case where the Whole premise is assumed to be true and result to a false-valued conclusion.

A

FALLACY

G11 STEM - 1ST SEM (18 decks)

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