\
Republic of the Philippines
Department of Education
DIVISION OF CITY SCHOOLS, CITY OF NAGA
DON EMILIO CANONIGO SENIOR HIGH SCHOOL
PANGDAN, CITY OF NAGA, CEBU
School ID: 303002
2nd Quarter Assessment in
BUSINESS FINANCE
Name: ___________________________________________
Grade & Sec: ________________________________________
Score: ______________
Date: _______________
DIRECTION: Read each item carefully and write the letter of your chosen answer on a
separate sheet of paper.
1.What is the process of making money grow and have a return?
A. investing
B. loans
C. savings
D. stocks
2. What type of investment is issued by a government, or by a company with profitable tract record?
A. investment in banks
C. mutual funds
B. investment in bonds
D. real estate investment
3. The following are advantages of mutual fund, EXCEPT…
A. convenience
B. diversification
C. investment amount
D. taxation
4. Rational investors will seek efficient portfolios because these portfolios are optimal based on:
A. expected return B. expected return and risk
C. risk
D. transactions costs
5. What type of investors is assumed most?
A. risk averse
B. risk moderator C. risk neutral
D. risk seekers
6. Why do different estimate inputs differently? It is because ____
A. there is an inherent uncertainty in security analysis.
B. every investor has his/her own risks/return preferences.
C. there is a random selection process used by individual investors.
D. every investor has access to different information about securities.
7. Based on recent history, an investor would probably have lower risk level with a portfolio
consisting of __________ .
A. all bonds B. all stocks C. impossible to tell
D. some stocks and some bonds
8. Which is TRUE of money market mutual funds?
A. Are also known as finance companies.
B. Are available only to high net-worth individual.
C. Are involved in acquiring and placing mortgages.
D. Enable individuals and small businesses to invest indirectly in money market instruments.
9. What is the purpose of financial markets?
A. To control inflation
B. To lower the yield on bonds
C. To allocate savings efficiently
D. To increase the price of common stocks
10. Of the following four investment, which is considered the safest?
A. Investment in bank
C. Investment in Shares of Stocks
B. Investment in Bonds
D. Mutual funds
11. Where do shares and bonds float in?
A. Capital market B. Commercial bank
C. Equity market
D. Money market
12. Who/Which of the following determines the market price of a share of common stock?
A. The president of the company.
B. The board of directors of the firm.
C. Market forces buying and selling of the stock.
D. The stock exchange on which the stock is listed.
13. What is the difference between shares and bonds?
A. Shares and bond represent liabilities.
B. Shares and bonds both represent equity.
C. Bonds represent ownership whereas shares do not.
D. Shares represent ownership whereas bonds do not.
14. Which of the following is NOT the present value of the amount?
A. Intrinsic value
B. Fair price
C. Market price
D. Theoretical price
15. What is the main goal of personal financial planning?
A. reducing a person’s tax liability.
B. saving and investing for future needs.
C. spending to achieve financial objectives.
D. achieving personal economic satisfaction.
16. What stage does an individual go through based on age, financial needs, and family situation?
A. adult life cycle
C. financial planning process
B. budgeting procedure
D. personal economic cycle
17. Which is referred to as the ability to convert financial resources into usable cash with ease?
A. bankruptcy
B. investing
C. liquidity
D. saving
18. Which question is associated with the saving component of financial planning?
A. Do you have an adequate emergency fund?
B. Do you have realistic budget for your current financial situation?
C. Are your transportation expenses minimized through careful planning?
D. Is your investment program appropriate to your income and tax situation?
19. A plan to set aside for college education is setting a(n) _____________ goal.
A. intangible
B. intermediate
C. long term
D. short term
20. Which of the following goals would be the easiest to implement and to measure if accomplished?
A. “Reduce debt payments.”
B. “Save funds for an annual vacation.”
C. “Invest ₱ 2,000.00 a year for retirement.
D. “Save ₱ 1,000.00 a month to create a 12,000-emergency fund.”
21. Which is the first step in financial planning?
A. Develop financial goals.
B. Implement the financial plan.
C. Evaluate and revise your actions.
D. Analyze your current personal and financial situation.
22. Which of the following is an example of opportunity cost?
A. Purchasing automobile insurance.
B. Renting an apartment near school.
C. Saving money instead of taking vacation.
D. Buying personal computer for financial planning
23. Which of the following is usually considered a long-term financial strategy?
A. Creating a budget.
B. Using savings to pay off a loan early.
C. Renting an apartment to save for the purchase of a home.
D. Investing in a growth mutual fund to accumulate retirement funds.
24. What is the financial product that buys a number of shares and other investment such as
property, term deposits, and cash?
A. bonds
B. mutual fund
C. real estate
D. stocks
25. When does liquidity become advantageous to investment in bank?
A. if the investment in time deposit
B. if the investment is in savings account
C. if the investment will be put in the stock market
D. if the investment is in the money market accounts
26. What is the safest investment when considering fixed interest?
A. banks
B. bonds
C. mutual fund
D. stocks
27. Which of the following fluctuates based on how the competition is doing and the public
confidence in the market?
A. interest B. investment price
C. savings D. stock price
28. One of the advantages of mutual fund is convenience. Why?
A. Because mutual funds are essentially an all-in-one package
B. Because mutual fund is being managed by a professional manager
C. Because the amount of investment in mutual funds is as low as 10,000.00
D. Because investors who don’t have enough money can have the opportunity to buy different
types of investment
29. Dina is making research about the investment instrument before finalizing the investment plan.
What stage is described?
A. conducting due diligence
B. monitoring of investments
C. diversification of investment portfolio
D. determination of tolerance to different kinds of risk.
30. Why is it important to monitor credit score?
A. because you need to track your spending habit
B. because it should be maintained through credit cards spending
C. because this is needed when obtaining an approval for lease, mortgaging and any other
type of financing
D. because in preparing for the future it should consider the family not to be left behind in
case of any eventualities
31. How to determine credit score?
A. through acquiring credit cards
B. by establishing some fundamental procedures
C. through credit holding period, payment history and credit-to-debt ratio
D. through monitoring credit score goes hand in hand with watching credit spending
32. Jake discerned what keeps his money flowing in, and make it sure he is focused on these efforts.
What did Jake do?
A. Assessing
B. Investing
C. Prioritizing
D. Restraining
33. Tyrone received 18,000.00 per month from his company and after that he will spend it for his
needs. What money management cycle does Tyrone belong?
A. Earn/Save/Spend
B. Earn/Spend/Save
C. Earn/Spend/Earn/Spend
D. Earn/Spend/Borrow/Spend
34. Clarise is one of the individuals who are easily confused with “wants” and “needs” because she
is convinced that she deserved whatever she wants and feel and so she deserves it now. What
money management cycle does Clarise belong?
A. Earn/Save/Spend
B. Earn/Spend/Save
C. Earn/Spend/Earn/Spend
D. Earn/Spend/Borrow/Spend
35. Huang De after receiving his salary immediately went to bank to deposit a portion of his money
and after that he went to Gaisano to buy his needs. What money management cycle does he
belong?
A. Earn/Save/Spend
B. Earn/Spend/Save
C. Earn/Spend/Earn/Spend
D. Earn/Spend/Borrow/Spend
36. Payment of work is paid a small “retainer” or “flat fee” plus either a percentage of the amount of
the sales generated. What is being referred to?
A. commission
B. piece of work
C. salary
D. wages
37. How to avoid anxiety about spending money?
A. Pay in cash.
B. Avoid bounced check fees.
C. Create separate bank accounts
D. Arrange for an automatic saving.
38. What involves a fixed hourly rate of pay for a standard set number of hours.
A. commission
B. piece of work
C. salary
D. wages
39. What is essentially a financial roadmap that allows anybody to live within their means, while
having enough left over to save for long to save for long-term goals?
A. budget
B. emergency fund
C. investment
D. savings
40. If you want to deposit money into bank, which will be a wise choice?
A. Compounding daily
B. Compounding monthly
C. Compounding annually
D. Compounding Semi-annually
41 – 48. Create at least 250 words essay on the question given.
Do you believed in the saying money is the root of all evils? Why?
Criteria
2
4
6
8
Focus/ Main
The essay
The essay is
The essay is
The essay is
Point
poorly
focused on
focused on the
focused,
addresses topic
topic
topic and
purposeful, and
and includes
and includes
includes
reflects clear
irrelevant ideas
few
relevant
insight and
loosely related
ideas
ideas
ideas
Support
Provides little or Supports main
Supports main
Persuasively
no support for point with some
point with
supports main
the
underdeveloped
developed
point with well
main point
reasons and/or reasons and/or
developed
examples
examples
reasons and/or
examples
Organization
Little or no
Some
Organizes
Effectively
&
organization of
organization of
ideas
organizes ideas
Format
ideas to build
ideas to build
to build an
to build a
(Paragraphs,
an
an
argument
logical,
Transitions)
Language
Use,
Style &
Conventions
(Sentence
structure,
word
choice,
grammar,
spelling,
punctuation)
Originality
(Expression
of
the theme in
a
creative way)
argument
argument
coherent
argument
Little or no use
Some use of
Appropriate use
Effective and
of
elements of
of elements of
creative use of
elements of
style
style
elements of
style
Contains
Uses correct
style
Many errors in
frequent errors
grammar,
to enhance
grammar,
in
spelling, and
meaning
spelling, and
grammar,
punctuation
Uses correct
punctuation,
spelling, and
with
grammar,
makes reader’s
punctuation
few errors
spelling,
comprehension
punctuation
difficult
throughout with
very few errors
No
Very little
Sufficient
Distinctive
experimentation experimentation experimentation experimentation
nor
to enhance
with language
with language
enhancement
concepts
and usage to
and usage to
of concepts
Does not exhibit
enhance
enhance
No adherence
creativity
concepts
concepts
to
Applies basic
Applies higher
the theme
creative skills to order thinking
relay ideas
and creative
skills
to relay
complex
ideas
Prepared by:
Checked by:
MARIZ B. AÑIRO
Subject Teacher
PATRICIO M. MANUNDAN
School Head
Recommending Approval:
GENDA P. DE GRACIA, EdD
CID Chief
Approved:
ROSALIE M. PASAOL EdD., CESO V
Schools Division Superintendent
\
Republic of the Philippines
Department of Education
DIVISION OF CITY SCHOOLS, CITY OF NAGA
DON EMILIO CANONIGO SENIOR HIGH SCHOOL
PANGDAN, CITY OF NAGA, CEBU
School ID: 303002
2nd Quarter Assessment in
BUSINESS FINANCE
ANSWER KEY
1. A
2. B
3. D
4. B
5. B
6. D
7. D
8. D
9. C
10. A
41-48.
Criteria
11. D
12. D
13. D
14. D
15. B
16. D
17. C
18. A
19. C
20. D
21. D
22. B
23. D
24. B
25. B
26. B
27. D
28. A
29. A
30. C
31. C
32. C
33. C
34. D
35. A
36. A
37. A
38. D
39. A
40. A
POOR
2
FAIR
4
GOOD
6
EXCELLENT
8
Focus/ Main
Point
The essay poorly
addresses topic
and includes
irrelevant ideas
Support
Provides little or
no support for the
main point
Organization &
Format
(Paragraphs,
Transitions)
Little or no
organization of
ideas to build an
argument
The essay is
focused on topic
and includes few
loosely related
ideas
Supports main
point with some
underdeveloped
reasons and/or
examples
Some
organization of
ideas to build an
argument
The essay is
focused on the
topic and
includes relevant
ideas
Supports main
point with
developed
reasons and/or
examples
Organizes ideas
to build an
argument
Language Use,
Style &
Conventions
(Sentence
structure, word
choice, grammar,
spelling,
punctuation)
Little or no use of
elements of style
Many errors in
grammar,
spelling, and
punctuation,
makes reader’s
comprehension
difficult
Some use of
elements of style
Contains
frequent errors in
grammar,
spelling, and
punctuation
Appropriate use
of elements of
style
Uses correct
grammar,
spelling, and
punctuation with
few errors
Originality
(Expression of
the theme in a
creative way)
No
experimentation
nor enhancement
of concepts
No adherence to
the theme
Very little
experimentation
to enhance
concepts
Does not exhibit
creativity
Sufficient
experimentation
with language
and usage to
enhance
concepts
Applies basic
creative skills to
relay ideas
The essay is
focused,
purposeful, and
reflects clear
insight and ideas
Persuasively
supports main
point with well developed
reasons and/or
examples
Effectively
organizes ideas
to build a logical,
coherent
argument
Effective and
creative use of
elements of style
to enhance
meaning
Uses correct
grammar,
spelling,
punctuation
throughout with
very few errors
Distinctive
experimentation
with language
and usage to
enhance
concepts
Applies higher
order thinking
and creative skills
to relay complex
ideas