$1,670.30 a. They both act as angel investors for start-ups. d. b. a. Most jurisdictions do not legally require firms to have the same benefits for full-time and part-time employees. The investment risk is borne by the employee. c. The loan had a principal of $4,850, an interest rate of 6.5% compounded monthly, and a duration of ten years. d. Postsecondary education includes personal skills and interests. II and IV are governmental; I and III are not. $1,722.22 d. identifying instances of identity theft, a. checking one's financial records against the bank's, Sara would like to open a bank account. $25 per year until the loan is paid off. In determining whether to issue a loan, banks are not allowed to ask about an applicant's $63.52, At the beginning of each of her four years in college, Miranda took out a new Stafford loan. Prices are controlled by the issuing company. Why do most student loans involve a co-signer? Emily is deciding whether to buy the same designer jacket her friends have. Kanya wants to buy a laptop that costs $420. Select three options. Which information can be found on a person's credit report? It shows that the owner acknowledges the financial risks and is willing to pay every month to transfer the risk to an insurance company. b. Shondra should check her credit history to be sure she has a good credit score. a. Yoko is buying a car from a local car dealership. e. proof of address. What must Freya consider before using her debit card? d. income from investments Treasury notes Youre the provider of a fringe benefit if it is provided for services performed for you. b. f. Will I be able to make the payments and avoid late fees? b. 78,364,164,096, Which of the following is not one of the eight recognized consumer rights? d. the total cost of college classes and vocational training divided by the total years worked, b. the total salary and retirement benefits for all the years worked, Sebastian has just graduated after four years of university. b. getting money with favorable interest rates She expects she will need to contribute $9,000 annually to her education. Which best describes the role that government and business play in investments? c. Bankruptcy erases all of your debt. What is the job outlook for a US postal worker? c. A student loan must be paid back, but a scholarship is not paid back. III. a. doctor in a clinic that serves a low-income population d. Alan's lifetime income is both his college classes and his vocational training. b. current address, monthly income, car loan payment history, date of birth What is not a potential risk of purchasing a used car? d. birth certificate the profitable sale of shares. $6 Planning to finance higher education helps people prepare for their financial future because it teaches them about. c. She should contact the police about possible theft. d. Capital appreciation refers to b. insurance the right to safety and the right to be heard, the right to be heard and the right to redress, Say that a company has treated you unfairly or dishonestly. b. d. the monthly transportation cost. Employee benefits are the total income you receive over your lifetime. She receives job offers from different companies. $460 If their loan amount is $140,000, how much more per month will the couple be paying for their mortgage as a result of their bankruptcy? Which of the following describes defined benefit pension plans A. 6,561 stays the same. c. A borrower with bad credit is likely to be charged b. c. She should research the average salary of similar positions to see if the offers are fair. plan to rent out their homes. Insuring clause Check all that apply. She will have $1.84 left over. c. A grant is money borrowed by a student to pay for an education that will need to be repaid. Which statement about the cost of the laptop is true? Retirement benefits, such as pensions c. Postemployment life insurance d. Long-term disability benefits b These are employee benefits which are payable after completion of employment. In addition to federal income tax, many people also pay phishing 158,184 d. The interest rate this person pays on a $150,000 loan is 11%, compounded monthly. Which statement best describes a situation requiring an auditor to apply Department of Labor (DOL) independence rules? b. (Blank) are debt certificates that are purchased by an investor. Which of the following should Tyler expect? The loan has an interest rate of 5.6%, compounded monthly. Revise his budget to allow for a new computer. By the time Maria graduates, how much greater will the amount of interest capitalized be than the minimum amount that she could pay to prevent interest capitalization? a. d. property taxes decrease as equity increases. d. Tuition is the price of attending classes at a school. an unpaid utility bill that has been given to a collection agency Check all that apply. d. Find out the cost of living for the job locations, and compare them against the offered salaries. It's only important to track large amounts in personal records. Individuals injured on the job while employed by private companies or state and local government agencies should contact their state workers' compensation board. $7,834.32 c. $100 What will she need to do this? a. She should use a personal blog of an architect since it is a person in the industry. d. Wait for the bank to call her. d. Identify the choices. c. In the wrong hands, which of the following pieces of personal information would present the greatest risk for identity theft? war bonds, corporate bonds How is Jessica's lender likely to view this credit score? D. Retirement benefits depend on the individual's account balance. b. checking account Round all dollar values to the nearest cent. b. sales tax If Kanya uses the credit card and pays the full balance during the billing cycle, she will spend $25.20 more than paying cash for the laptop. the stamp collection only d. increasing equity over time, You have included your predicted mortgage, food, car, and gasoline expenses in your budget. The point at which it is no longer advantageous to buy in bulk is known as marginal Are the buying and selling of stocks centralized activities? Which best describes what financial planning skills ultimately enable an individual to do? d. private colleges. Which resource is most likely to give balanced, accurate information? b. the bank account only d. She should call the bank to have the charge taken off her account. c. Will I have to take out a loan? $144.90, Claudius took out an unsubsidized Stafford loan at the beginning of his six-year college career. c. Fido's decision is not sensible because he needs the car right away. a greater percentage chance of loss. a. Management is concerned with promoting a shift in mindset from self-responsibility to entitlement, O c. Management is concerned with employee turnover because of benefits, @d. I and II Which is the most important consideration when deciding to purchase or lease a vehicle? The total of all deductions from her paycheck will be 25% of the gross pay. Maria took out an unsubsidized Stafford loan of $6,925 to pay for college. Seek the help of the Department of HHS. a. Shona can afford the rug in store A. within a year. Companies report people to credit agencies if they How many different 4-digit personal identification numbers are possible if no digit can be used twice? Marlene has decided to save $3,500 so that she can attend the nearby community college. c. previous address, current address, schools attended, bankruptcy c. Reg has just purchased a new car. Check all that apply. d. 8 percent, If Massachusetts has a sales tax of 6 percent and New Hampshire has no sales tax, how much money can be saved by buying a $1,000 television in New Hampshire? There will be a late fee added to the bill. A (blank) is a plan in which an individual balances available resources and expenses. b. When making a major purchase, first determine your (blank) income by subtracting the deductions from your gross pay. To help her decide, she will do some research. a. The FAFSA can help students obtain (blank 3), 1. financial aid eligibility a. Which statement explains whether Julio is correct? Which answer best defines employee benefits? She plans to graduate in four years. the economy, market performance $3000 monthly line of credit She has a credit score of 790. Postemployment employee benefits include all of the following, except a. Postemployment medical care b. c. Shona can afford the rug in store B. By the time Helena graduates, how much greater will the amount of interest capitalized be than the minimum amount that she could pay to prevent interest capitalization? a. where a property is located. A) It is enforced by the Centers for Disease Control and Prevention. Since they filed bankruptcy in the past, a couple ends up paying a 12% fixed rate for a 30 year mortgage. c. $23,346.24 An index measures the performance of a single stock. Jessica is trying to get a credit card. What is the total lifetime cost for Miranda to pay off her 4 loans? c. down payment The consumer has the right to replacement of damaged goods. c. savings account Sales tax is calculated by multiplying the price of an item by the (blank), If a home is valued at $250,000 and the property tax rate is 2 percent, how much will the owners pay in property taxes? $23,650.00 A grant is money awarded to a student, usually based on financial need. no interest rate. d. Which is a short-term consequence of making a late payment on your bill? Which results are more likely for someone without personal finance skills? a. previous address, current address, bankruptcy, car loan payment history often pay a lower interest rate during the first few years. c. How much will the bike cost when adding the finance charges to the price? c. She should use the US Bureau of Labor Statistics website since it will cover a wide range of information about the careers around the United States. c. life-enrichment director and event planner at a retirement home c. $5,696.00 She decides to use a credit card instead. d. an amount of time during which a loan can be repaid without interest, b. a loan given for a short period of time that is not dependent on credit history, Which is a desirable characteristic to look for when choosing a credit card? b. the amount of cash saved a. lower up-front costs d. They are available to any student who meets lending standards, regardless of financial need. An investor makes money by raising capital. to determine if the customer is likely to pay back the loan, to determine if the customer is likely to pay back the loan, Before applying for a credit card, Jacob examines his credit report. c. Kanya has a credit card that gives a 6% discount on every purchase and free shipping when used online. Which statement best describes how an investor makes money off debt? c. Besides helping employees, offering fringe benefits helps employers tremendously . Compound interest pays interest on the principal and the interest earned in each period. $496,700, Brandon owes his brother $120. Which educational institutions typically cost the most to attend? d. Review the pros and cons of the different available computers. Simple interest is paid on small, short-term loans, while compound interest is paid on large, long-term loans. What should she consider in this process? country of origin. getting money with special repayment terms d. She is to pay a federal income tax of 16%. b. A) paraphrasing information during a discussion B) focusing only on short-term skills C) asking closed-ended questions D) providing general feedback. b. Check all that apply. Shred all mail with personal information before discarding it. a. c. public universities b. $4,540.56 Select three options. Federal grants are awards that don't have to be repaid, but students must pay back any scholarships they receive. a. for the employee benefits which shows that the employee get some facilities like HRAs, TA/DA, paid vacations and many more. Roderigo will allow interest capitalization. Round all dollar values to the nearest cent. a. c. equity b. d. A vocational school is usually paid for by the employer. She should research the benefits included in each offer. Check all that apply. c. how much has been withheld for taxes, Which describes a type of tax that funds city programs? How many different passwords are possible? If letters can be repeated and the special character is at the end of the password, how many possibilities are there? c. $5,000 not being able to purchase a car or home 333,135,504 to determine his credit limit, to determine if he has a history of good credit, Tyler is using a credit card to purchase a television. d. facing increased probability of accidents, falling into debt if faced with a serious problem. a. e. Should I talk to a consumer credit counseling service? d. a car to be used for transportation to and from work, Which payment option provides consistency in on-time bill payment? She should use Facebook advice from friends since they know her best. $292,700 Which person made the best payment decision for their preferences? $1,750 She budgets for $1,000 in fixed expenses and $400 in variable expenses. Other long-term employee benefits b. 8,100. social security number. Her deductions total $270. At what point does buying in bulk stop being a wise spending choice? $2,200 b. if you are saving each month for a new car c. equity in a home increases the homeowner's net worth. e. She should take the position that has the lowest cost of living. d. b. The loan had a duration of ten years and an interest rate of 7.1%, compounded monthly. an inquiry from a bank that requested the person's credit report. a. the career's location She must be sure there is at least $135 in her bank account for the purchase. a. Fringe Benefit Examples d. Rupert's credit limit is most likely lower than Tamera's, and his interest rate is most likely lower. The sales tax is 6% on either purchase. $200 d. Which answer best describes Alan's lifetime income? a. What is the difference in the finance charges for the two choices? There will be a late fee added to the bill. b. Hafsa wants a guaranteed return, and won't need the money for several years. Borrow more than one can afford to repay. Take action. Which statement (s) is (are) correct about the Emergency Medical Treatment and Active Labor Act (EMTALA)? $623.25 b. obtaining a low interest rate on a loan Compound interest is paid by the week or by the month, not only once during a year. making sure she has a positive credit history Simple interest is paid only on the (blank). 780,000 a high interest rate. How much should Georgia pay in federal income tax this year? Generally, an employer decides which benefits are offered, which employees are eligible for each benefit, and how much of the benefit an employee may receive. c. Joaquin should take the class because a promotion will mean a larger salary over the long term compared to a single cash advantage. Checking accounts allow convenient ways to deposit or withdraw funds. As Ruth Ann is researching careers, she decides she enjoys living in her hometown and doesn't want to relocate. The loan term is four years, and her payments are $819.20 per month. a. Which best describes what a market index does? Take action. Which describes the difference between a personal loan and a credit card? e. paying a credit card balance in full each month, b. making late payments If Shona only has $40 to spend, which store will she purchase the rug from, and how much will she have left over? II and IV are governmental; I and III are not. c. c. Evaluate results. Round all dollar values to the nearest cent. $200,000 loan for a home, What is easy-access credit? Mandatory benefits, also known as statutory benefits, are benefits that employers are required by law to provide to their employees. agree to accept no risk when borrowing money. my recipe calls for 4/5 of a cup of flour and I want to make it 1/2 of the recipe how much flour do I need? Personal loans offer lump sums of money, while credit cards set a maximum amount a person can borrow. d. $384.00 What is meant by the "right to redress"? Debit. a. d. b. The rebate is better; it saves $75 more. b. a. Yes, the New York Stock Exchange is the principal exchange for the nations of the world. e. proof of her address the hourly pay rate. They are always offered at variable rates. a. He has a stamp collection worth $1,250 and he has $300 in a bank account. Which factor might have a strong impact on her career decisions? She will have $1.84 left over. Consumers Union She should research the average salary of similar positions to see if the offers are fair. It creates a base for happiness and satisfaction of the workforce that limits the labor turnover and confers a stable organization. c. to stop herself from making financial mistakes title loan b. employee benefits a. requires a credit check income corporate bonds -career locations and environments. b. a. c. the total salary and value of insurance benefits for all the years worked d. $6,720, Georgia's gross pay was $35,600 this year. d. A password is 4 characters long and must consist of 3 letters and 1 of 10 special characters. Which explains whether Fido is making a sensible decision? c. They find it easy to get a loan from the bank. c. Obtain a credit card to pay for a refurbished computer. On-the-job training is usually paid for by the employer. a. mortgage payments decrease as equity increases. to write a check Which statements describe Emma's financial skills? The loan had a duration of ten years and an interest rate of 5.0%, compounded monthly. True b. A person's credit score can range from a low of 300 to a high of what number? An investor makes money by earning interest. Once stocks are on the market, which best explains how their prices are set? Check all that apply. $74,790.37 The loan has a duration of 10 years and an interest rate of 6.1%, compounded monthly. $5,436.20, Which factors positively affect lifetime income? b. Kendrick is planning to buy a house. Which is a possible benefit of having a good credit history? Each loan had a duration of ten years and an interest rate of 5.3%, compounded monthly. I, II, and III, Olivia has taken out a $13,100 unsubsidized Stafford loan to pay for her college education. Can I make payments on time and avoid late fees? d. a checking account. b. c. unsubsidized Stafford loan c. Alan's lifetime income includes both his career outlook and his career environment. Alan is young, but he decides to plan for his retirement early. pay a higher interest rate during the first few years. b. credit scores increase as equity increases. c. $5,250 a. cost. An investor makes money by being repaid for the principal. CPSC, In the wrong hands, which of the following pieces of personal information would present the greatest risk for identity theft? $238.46 c. A vocational school is usually paid for by the worker. a. a. They are issued in cooperation with the student's university to reduce costs and paperwork. c. improvements to a home Most firms have the same benefits for both categories of employees, regardless of the law. d. Which explains why he should establish a positive credit history before buying the house? Tayesha wants to find more information about a career in architecture. Riley reads an agreement on the first page of her policy which includes a list of losses that will be covered by the insurer. Is advertising influencing her? Each paycheck is the exact same regardless of number of hours worked. d. Evaluate alternatives. the person's credit rating d. doctor for a professional sports team, a. doctor in a clinic that serves a low-income population, Cameron is choosing a career out of high school with no further training. b. b. a. budget Which of the following best describes a way of safeguarding personal information? Fringe benefits are additional compensation provided to employees above and beyond an agreed-upon wage or salary. skimming Employers may offer a diverse range of other employee benefits including: unlimited holiday; paid or part-paid conference attendance; Christmas parties; concierge services; relaxation apps; free or subsidised staff canteens; and a nap room. c. increases annually. They have a history of not making their payments on time. to pay interest if he does not pay in full by a certain date, to receive a bill at a later date right to dignity. c. d. finances, Roderigo has just finished paying back his $8,575 unsubsidized Stafford loan, which he took out to fund his four-year degree. a. Kenya borrowed the money to buy the jeans. c. Aircraft inspector: inspect, plan, and oversee repairs on aircraft; may also need to design parts as repair methods that meet standards. getting large amounts of money to use immediately, getting large amounts of money to use immediately. c. Shondra should be sure she will have enough in her account to be able to make the monthly payments. I & II only d. You do not have to share banking information. the distribution of earnings to shareholders. a. utilities b. a. The issuer could go bankrupt. A vocational school degree takes weeks or months to earn. Therefore, we are not permitted to delete your personal information unless your employer or former employer requires us to do so. There are other special rules that employers and employees may use to value certain fringe benefits. a. musician in a band on tour What must Shondra consider before she decides to pay with automatic withdrawals? Transaction d. current address, monthly income, car loan payment history, schools attended, a. previous address, current address, bankruptcy, car loan payment history. It will be harder to buy a house because it affects your credit history. It's too much work to open a checking account. Study the entries in Lupe's records and bank statement. d. They have a history of paying in full each month. d. corporate taxes. d. Scholarships can be awarded for various reasons, but federal grants are usually based on a student's financial need. Employee benefits include any education you acquire beyond high school. to help people invest in small businesses c. her Social Security number c. assets b. a. Sean decides to pay his bills online because he does not like the inconvenience of finding stamps and mailing his bills. can change. b. low interest rate on a car loan When planning a budget, the biggest consideration should be the All of the loans were subsidized. $36.40 d. Shawna decides to set up automatic withdrawals to pay her bills because she does not want to have to remember to keep enough money in her checking account. b. Kenya used money directly from her bank account to buy the jeans. c. Joaquin should take the class because a promotion will mean a larger salary over the long term compared to a single cash advantage. See Publication 15-B, Employers' Tax Guide to Fringe Benefits, for more information. Which financial problems might cause a person to be considered a bad risk for a loan to purchase a home? f. You can sell the car to someone else after the lease ends. to determine if the customer is a likeable person $639, Yasmine plans to attend a four-year public university. a. b. making late payments A pet groomer gave 9 baths, 15 nail trims, 8 brush-outs, and 5ear cleanings.For every 5nail trims, the groomer gave 3. $16 e. savings for your emergency fund, Ramya's mom was hired for a new job with a yearly income of $84,000. Which is an example of easy-access credit? d. You must return the car after the lease ends. I and II are governmental; III and IV are not. d. c. $500,000 The answer is D. Employers can provide fringe benefits to employees that are non-taxable benefits pursuant to the Income Tax Act. She also wants to be able to access her money if the need should arise. d. Jessica is low risk and will pay her outstanding balances on time. d. Julio is not correct because the house cannot be worth more than the mortgage. a. having a checking account $1,000 $29,481.08 $595.20 The loan has a duration of ten years and an interest rate of 6.4%, compounded monthly. d. Should I talk to a consumer credit counseling service? c. A vocational school is usually paid for by the worker. c. d. If Kanya uses the credit card and pays the full balance during the billing cycle, she will spend $25.20 less than paying cash for the laptop. Companies know they can make more money by selling fewer products at higher prices. b. $88,700 c. her Social Security number a. 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