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Survival in the Real World

Quiz yourself by thinking what should be in each of the black spaces below before clicking on it to display the answer.
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Question
Answer
Which of the following statements best describes how Americans are being outsmarted by banks and other lenders?   show
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show managing your money behavior  
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When it comes to managing money, success is about _______% knowledge and _______% behavior.   show
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show the savings rate of Americans is low and many borrow money to spend more than they earn  
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show behavior  
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show consumer credit could be possible  
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Which of the following is a consequence of overdrawing your checking account?   show
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show make overspending more likely  
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show spend less money than he/she makes  
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Rent is:   show
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show variable  
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show 70  
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The zero-based budget is the best method of budgeting because:   show
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Which statement is true about liquidity?   show
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A reason that people need to save and invest money is to:   show
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show dividend  
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show emergency funds and short termed goals  
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show reduced risk  
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show Roth IRA  
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A young investor willing to take moderate risk for above average growth would be most interested in:   show
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show 401K  
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show 403B  
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A savings account sold by an insurance company, designed to provide payments to the holder at specified intervals, usually after retirement.   show
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Quality of an asset that permits it to be converted quickly into cash without loss of value; availability of money.   show
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show risk-return ratio  
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A list of your investments   show
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Piece of ownership in a company, mutual fund, or other investment   show
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show stocks  
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show tax-favored dollars  
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show dividends  
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Occurs when money is withdrawn from a bank account and the available balance goes below zero   show
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show zero-based budget  
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A written cash flow plan   show
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Expenses that remain the same from month to month   show
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Money set aside and left alone for “a rainy day.”   show
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show sinking fund  
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Percentage paid to a lender for the use of borrowed money, or their percentage earned on invested principal.   show
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Interest paid on interest previously earned   show
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A person or organization that owns property that is rented to tenants.   show
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show lease  
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To force a tenant to leave a property usually because he or she failed to comply with the terms of the rental or lease agreement.   show
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show tenant  
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When it comes to health insurance, copays and deductibles are...   show
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What would have the most severe effect on your credit score?   show
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What will most likely cause your credit score to drop the most?   show
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show share  
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Quality of an asset that permits it to be converted quickly into cash without loss of value; availability of money   show
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show a lower premium  
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show theft, fire, vandalism, or other damage not related to an accident  
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show the accident related cost of repairing or replacing your vehicle resulting from a collision with another car or object  
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Liability coverage pays for __________________.   show
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Going to an in-network doctor is a good idea, because...   show
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show It brings together many individuals' premiums so that there is money to cover the select few with losses.  
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show 70  
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If someone uses your car and causes an accident, what will happen?   show
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What form do you have to fill out on the first day of your job that tells your employer how much money to withhold from your check for taxes?   show
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show both paid out of pocket for health services or treatments  
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How long can a person stay on his/her parents health insurance?   show
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show It has information about how much money you have made and had withheld from your check for taxes.  
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A Target Date Fund will adjust by   show
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show Mutual funds are actively managed by a professional while index funds are not.  
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show It's free  
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show Payment history and amounts owed  
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What type of auto insurance are you required to carry in almost every state (49 out of 50)?   show
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Which term refers to an arrangement where you are responsible for paying a percentage of covered medical expenses after your deductible is met?   show
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What is an insurance premium?   show
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show Comprehensive  
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