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Does each of the following describe a physical change or a

Chemistry: A Molecular Approach | 3rd Edition | ISBN: 9780321809247 | Authors: Nivaldo J. Tro ISBN: 9780321809247 1

Solution for problem 1.12 Chapter 1

Chemistry: A Molecular Approach | 3rd Edition

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Chemistry: A Molecular Approach | 3rd Edition | ISBN: 9780321809247 | Authors: Nivaldo J. Tro

Chemistry: A Molecular Approach | 3rd Edition

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Problem 1.12

Does each of the following describe a physical change or a chemical change? (a) The helium gas inside a balloon tends to leak out after a few hours. (b) A flashlight beam slowly gets dimmer and finally goes out. (c) Frozen orange juice is reconstituted by adding water to it. (d) The growth of plants depends on the suns energy in a process called photosynthesis. (e) A spoonful of table salt dissolves in a bowl of soup.

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Chapter 11: Basics of Investing  Key Point in Investing o Know your goals and risk tolerance o Pay yourself first o Brainless, painless investing o Don’t put all your eggs in one basket o Review and revise your investments periodically  Main Questions o Why do you want to invest  What is the goal o When will you need the money o How much risk are you comfortable taking  Must know your goals o Meet basic needs first  Liquidity, savings, debt management o Math your investments to your goals  If your goal is security, invest in safe assets  If your goal is income, invest in fixed income  If your goal is growth, invest in equities o Understand your investments  Goal and Risk Tolerance o Also need to know your risk tolerance o Main determinant is time  ST investments: use safe  LT investments: incorporate riskier assts  Main aspects of investments o Safety  Price volatility: how much a price bounces around o Income  cash o Growth  Does it go up in value o Tax implications  Taxable, tax deductible, tax deferred, tax free  Both IRA tax benefits for when you pull it out during retirement  Returns from Investing o Income  Interest  Dividends  Cash  DRIPS: dividend reinvestment plan o Capital gains  Capital gain= selling price – purchase price  Purchase price = tax basis o Paper gains  Diversification o Attempt to reduce your risk exposure o Investing in different assets within:  Different industries  Different economies o Theory: by spreading your investments over a wide range, you aren’t impacted when one investment goes down  Diversification reduce the impact of extremes o Reduces your risk exposure o Key to diversifying:  Negative correlations  Invest in different industries  Invest in different assets  What can you invest in o Individual stocks, bonds, cds o Mutual funds (active) o Index mutual funds (passive) o Asset allocation mutual funds o Real estate o Business assets o Collectibles  Stocks o Corporate stocks  Piece of the ownership of the company  Higher risk investment- highest return o Making money with stocks  Dividends  Capital gains  Common Stock – Terms o Ticker symbol  Stock market abbreviation for company o Last (or close)  Last market price from previous days o Hi/Low  Highest and lowest market prices during the trading session o Change  Yesterday’s closing price minus previous day’s closing price o Sales (1,000s)  Trading volume for that stocks (shares) o 52-week Hi/Low  Highest/lowest prices during the past year o Div Yield (dividend yield)  Total annual dividend/ current price  Quarterly dividend/ current price  Income stocks have high dividend yields  Growth stocks have no/low dividend yields o DRIPs  Dividend reinvestment plans  Take dividends in stock rather than cash o Beta  Measure of volatility (risk)  Market beta is 1.0  High beta = higher risk  Can be negative  Slope of the regression line for a firm’s stock return plotted against market return  Beta= CovFirm,Marketriancemarket o Stock Split  Attempt by firm to manipulate stock price  Convert existing share into new shares  Changes tax basis per share  Picking Stocks o Earnings history o P/E ratio (Price/ Earnings per share) o Dividend Yield (quarterly dividends)  (Dividend per share/ Price per share) * 4 o Beta  Measure of volatility o 52- week high/low o Invest in companies you know and understand  Buying stocks o Purchase through broker, financial planner, or directly from company  DSP =Direct stock purchase from company o Typically pay a commission on purchase and sale o Register your name or street name o DRIP recommended  Mutual Funds o Very popular investment assets o Pool of money invested by a manager o 1000s of mutual funds to choose from o Choose MF that matches investment goal o Main types:  Money market  Capital preservation  Income  Growth  International  Specialty  Balanced  Asset allocation  Mutual Fund Loads and Fees o Front – end load  Upfront fee that you pay when you purchase o CDSC- contingent deferred sales charge  A fee you pay when you sell shares of a MF  May be phase out over time o 12b-1 fees  A fee to cover marketing expenses o Operating fees  Fees associated with managing the MF  Lower fees for index or passive funds  Actively managed MF have higher fees  Types of Shares o Class A: pay a front load fee o Class B: pay a CDSC  Higher operating expenses than A shares o Class C: constant load funds  Highest operating expenses  Choosing a Mutual Fund o Match stated goal of mF to your goal o Look at historical returns o Look at expense ratio and loads o Look at manager and mgt. tenure o Different classes of MF  Basic Investment Strategies o Dollar Cost Averaging (DCA)  Investing the same dollar amount each period  Great to do through automatic paycheck deductions  Common sense in action  When asset prices are high, money buys less  Asset prices are low, buy more  Shorter term Investments o < 3 years, keep it safe  Savings, MMA, MMMF, CDS  Conservative bond mutual fund o 5-10 years, you can take more risk  Keep a portion safe  Invest a portion for growth and or income  As your goal approaches, move to safer investments  Asset Allocation o Long term investments o 100-age= % of portfolio in equities  Stocks, stock MF, real estate o Remaining portion invested in fixed income  Safer assets, but with lower returns  Reallocation o Refers to changing the target percentages for stocks vs bonds over time  2 parts:  Reallocate you existing portfolio  Reallocate your future contributions o Rebalancing: bring existing portfolio back in the target percentages  Reduce risk exposure

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Chapter 1, Problem 1.12 is Solved
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Textbook: Chemistry: A Molecular Approach
Edition: 3
Author: Nivaldo J. Tro
ISBN: 9780321809247

The full step-by-step solution to problem: 1.12 from chapter: 1 was answered by , our top Chemistry solution expert on 02/22/17, 04:35PM. This full solution covers the following key subjects: change, growth, beam, bowl, called. This expansive textbook survival guide covers 82 chapters, and 9454 solutions. This textbook survival guide was created for the textbook: Chemistry: A Molecular Approach, edition: 3. Since the solution to 1.12 from 1 chapter was answered, more than 1088 students have viewed the full step-by-step answer. Chemistry: A Molecular Approach was written by and is associated to the ISBN: 9780321809247. The answer to “Does each of the following describe a physical change or a chemical change? (a) The helium gas inside a balloon tends to leak out after a few hours. (b) A flashlight beam slowly gets dimmer and finally goes out. (c) Frozen orange juice is reconstituted by adding water to it. (d) The growth of plants depends on the suns energy in a process called photosynthesis. (e) A spoonful of table salt dissolves in a bowl of soup.” is broken down into a number of easy to follow steps, and 77 words.

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