As you've read in your text, the overall percentage of U.S. citizens participating in a stock market either through individual holdings or through financial intermediaries such as mutual funds has declined since the 2008 recession. Prior to 2008, a greater percentage of Americans held stock market investments than do in 2018. This is an interesting characteristic, given the following factors:

1. Investing in the market through savings plans, 401k or 403b accounts, individual IRAs, or similar retirement plans has never been easier given the amount of information available to any individual. Individuals can invest small amounts such as $20 and benefit from dollar-cost averaging through automatic deposits and electronic transactions such as payroll deductions.
2. While a vast majority of Americans will be dependent on Social Security as their primary source for retirement income, the message that relying solely on SS for retirement continues to be broadcast by media outlets such as the AARP.
3. Since 2008, the markets have rebounded significantly from their 2008 lows.
4. Basic principles of investing are easily located on the internet, from a variety of sources. For example, see the "Index Card" resource posted in Week 5, which is a short list of fundamental investing principles.

For this discussion post, you are to state a position and present an argument related to the above state of investing by U.S. citizens today. Why has the overall percentage of Americans invested in the market decreased in the last decade? And, subsequently, what can be done about this?    In your argument, which is to be supported by both textbook and outside research, delve into one or more of the primary concepts presented in this week's readings. These include the various stock market indexes, international markets, the role of the mutual fund industry, active versus passive investing, in addition to multiple other concepts.

Determine the actual annual interest rate on a $100,000 line of credit with an annual percentage rate of 10% compounded monthly. The bank requires that a 5% compensating balance be placed in an interest-bearing account that pays an annual percentage rate of 1.5% compounded monthly. The average daily balance is anticipated to be $75,000, excluding the compensating balance and interest due on the line of credit.

http://lectures.mhhe.com/connect/0077837304/Excel/Ch15/Running.xlsx

The Centers for Disease Control reported the percentage of people 18 years of age and older who smoke (CDC website, December 14, 2014). Suppose that a study designed to collect new data on smokers and nonsmokers uses a preliminary estimate of the proportion who smoke of .32. a. How large a sample should be taken to estimate the proportion of smokers in the population with a margin of error of .02 (to the nearest whole number)? Use 95% confidence. b. Assume that the study uses your sample size recommendation in part (a) and finds 520 smokers. What is the point estimate of the proportion of smokers in the population (to 4 decimals)? c. What is the 95% confidence interval for the proportion of smokers in the population (to 4 decimals)? ( , )

The report "Progress for Children" (UNICEF, April 2005) included the accompanying data on the percentage of primary-school-age children who were enrolled in school for 19 countries in Northern Africa and for 23 countries in Central Africa.

We will construct a comparative stem-and-leaf display using the first digit of each observation as the stem and the remaining two digits as the leaf. To keep the display simple the leaves will be truncated to one digit. For example, the observation 54.6 would be processed as

54.6 → stem = 5, leaf = 4 (truncated from 4.6),

the observation 96.1 would be processed as

96.1 → stem = ? , leaf = ? (truncated from 6.1)

and the observation 35.5 would be processed as

35.5 → stem = ? , leaf = ?(truncated from 5.5).

The resulting comparative stem-and-leaf display is shown in the figure below.

Comparative stem-and-leaf display for percentage of children enrolled in primary school.

From the comparative stem-and-leaf display we can see that there is quite a bit of variability in the percentage enrolled in school for both Northern and Central African countries and that the shapes of the two data distributions are quite different. The percentage enrolled in school tends to be higher in Northern African countries than in Central African countries, although the smallest value in each of the two data sets is about the same. For Northern African countries the distribution of values has a single peak in the 90s with the number of observations declining as we move toward the stems corresponding to lower percentages enrolled in school. For Central African countries the distribution is more symmetric, with a typical value in the mid 60s.

How many individual stem-and-leaf displays are represented by the comparative stem-and-leaf display?

-one

-two     

-three

-It can't be represented as simple stem-and-leaf display.

5.26 A high percentage of people who fracture or dislocate a bone see a doctor for that condition. Suppose the percentage is 99%. Consider a sample in which 300 people are randomly selected who have fractured or dislocated a bone. a. What is the probability that exactly five of them did not see a doctor? b. What is the probability that fewer than four of them did not see a doctor? c. What is the expected number of people who would not see a doctor?

IQ scores have a mean of 100 and standard deviation of 15:

a) What percentage of scores fall between 100 & 135?

b) What percentage of scores fall between 88 & 100?

Background Info:

1. What is the percentage of debt used to finance Gap? ___56%_____
2. What is the percentage of owner’s equity used to finance Gap? _44%_____

Question:

1. What is the significance of these two percentages?

What is the conceptual difference between the (1) percentage of creditsales and (2) aging methods of estimating bad debts? What kind of account isallowance for doubtful accounts? What does it represent?

1)What is the percentage change in price for a zero coupon bond if the yield changes from 5.5​% to 9​%? The bond has a face value of ​$1,000 and it matures in 11 years. Use the price determined from the first​ yield, 5.5​%, as the base in the percentage calculation. The percentage change in the bond price if the yield changes from 5.5​% to 9​% is ​%

2)With celebrity​ bonds, celebrities raise money by issuing bonds to investors. The royalties from sales of the music are used to pay interest and principal on the bonds. In April of​ 2009, EMI announced that it intended to securitize its back catalogue with the help of the Bank of Scotland. The bond was issued with a coupon rate of 6.55% and will mature on this day 31 years from now. The yield on the bond issue is currently 6.35​%. At what price should this bond trade​ today, assuming a face value of ​$1,000 and annual​ coupons? The price of the bond today should be $

3) A Ford Motor Co. coupon bond has a coupon rate of 6.95%, and pays annual coupons. The next coupon is due tomorrow and the bond matures 36 years from tomorrow. The yield on the bond issue is 6.1​%. At what price should this bond trade​today, assuming a face value of ​$1,000 The price of the bond today should be ​$.