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(a) how do financial plans differ among firms and individuals? give examples. (b) why do you think life insurance company leaders must ensure the investments are safe? what if they put the money in risky financial instruments? please discuss. (c) how time-value-of-money is made use of in the world of corporate finance? feel free to use examples in support of your answer. (d) how does an investor develop their risk appetite or risk threshold? are you willing to take on more risk with the hopes of increasing the return on investment (roi)? please discuss. (e) if rate of return is the most important factor in a financial decision, what company-specific factors also influence this rate?

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