8) Financial risk applies to both the additional variability in earnings available to
common shareholders and the additional chance of insolvency caused by the use of
financial leverage.
9) Investments in capital markets in foreign countries are motivated by the desire to
earn higher returns and reduce risk through international diversification.
10) One weakness of the times interest earned ratio is that it includes only the annual
interest expense as a finance expense and ignores other financing items such as lease
payments that must be paid.
11) How managers choose to finance the business does not affect the rate of return to
shareholders because the rate of return is based on how the company uses the assets it
has, not whether or not they paid for the assets with debt or equity.
12) It is commonly accepted that the industry average for a ratio is the ideal goal for a
financial manager to achieve.
13) The annual cash budget not only shows the amount of financing needed for the
year, but also when the funds will be needed.