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Personal Financial Literacy Teacher and Student Materials
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Personal Financial Literacy Unit 1-2 Tes...
9th - 11th grade.
Personal Financial Literacy Unit 1-2 Test
38 questions
Introducing new Paper mode
No student devices needed. Know more
What is the knowledge and skill-set necessary to be an informed consumer and to manage your finances effectively? (Think about the name of this class)
The Five Foundations of Financial Success
Financial Literacy
Business Knowledge
What is a standard you set for yourself to achieve or reach?
financial plan
What keeps most Americans from building wealth?
Unemployment
Problems at Home
Lack of Financial Knowledge
Which of the following do you use to determine spending, saving, investing, etc.?
Credit Card Companies
Mortgage Lenders
What is the purpose of a credit score?
To apply for a credit card
To help you save money
A reliable assessment of your credit-worthiness and risk
To determine how quickly you can get out of debt
What is money that you earned but keep and don't spend?
Overdraft Fees
A person acquires a loan to buy a house this is called a
_________ is owing anything to anyone for any reason.
Which is a financial obstacle for typical American families?
Most American families are broke
Many American families have too much debt
Debt isn't a big deal
American families are all bankrupt
What is a written plan that manages all of your cash and spending each month?
Bank Statement
Credit Plan
You must be born into a wealthy family to become a millionaire.
Type of card issued by a bank that allows users to finance a purchase.
Business Card
Credit Card
Which of the following is NOT a good idea for getting out of debt?
Get a part-time job or work over-time
Quit borrowing money
Sell something
Borrow money from your parents to pay off a debt
Which of the following is NOT a need?
Using a credit card to purchase concert tickets that you can't afford is a smart decision.
What is a transactional bank account that allows easy access to your money?
Checking Account
Savings Account
What fee is used by banks in the US to punish account holders that irresponsibly spend when they don't have enough money in the account to cover the purchase?
Monthly Account Fees
Foreign Transactions Fees
The electronic transfer of your job earnings made by your employer directly into your bank account.
Mobile Banking
Account Transfer
Direct Deposit
Using a smartphone to perform banking tasks
Traditional Banking
Automated Teller Machine (ATM)
Bank Account Reconciliation
What is the number used by creditors to determine how much of a financial risk you are when giving you a loan?
a high number
random number
Credit Score
The asset that will depreciate quicker than anything else you will ever own.
Used Car (this is a trick, don't pick this one)
Making the minimum monthly payment on your credit card is a good financial strategy.
The demographic group that is most targeted by credit card companies
Millionaires
Senior Citizens
Adults Age 30 - 50
Being consistently delinquent on your bills (not paying on time) will give you a higher credit score.
Credit card debt and stress about money is a leading cause of divorce and broken relationships in the US
Which of the following is an example of a predatory lender?
Cash Advance
Payday Loan
Rent-to-Own Furniture
All of the Above
What is the amount of money you earn before taxes are taken out?
Taxable Income
Actual Income
What is your take-home pay, after taxes and deductions?
The form that your employer sends to both you and the IRS at the end of the year with the amount of your annual wages earned and the total taxes withheld.
Ways to build wealth include:
Begin to build wealth at an early age
Stay out of debt
Don't buy things that you don't really need
What is the simplest form used at the end of the year when filing your taxes?
123 easy peasy form
What is AGI?
Adjusted Gigantic Interest
A Great Idea
Any General Income
Adjusted Gross Income
Do some people OWE taxes when filing at the end of the year?
no, everyone gets a refund
yes, a person might owe if they didn't withhold enough in taxes
What happens if a person doesn't pay any tax they owe at the end of the year?
the government will charge 5% per month on the balance
the gov will immediately confiscate everything you own
automatic jail
What is the best indication that you are winning with money?
You have a high FICO score
You actually have some money to manage
You're able to pay your monthly credit card payment on time
You've read Dave Ramsey's latest personal finance book
How do you calculate a person's net worth?
The total value of everything they own
The value of everything they owe less the amount of everything they own
The value of everything they own less the amount of everything they owe
The total amount of money they have in the bank
Purchasing a new car is a smart investment.
What is your biggest wealth building tool?
Your education
Your income
Your bank account
The lottery
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COMMENTS
Unit: Personal Financial Literacy Homework 2 Name Date COSTS OF A CUECVINC ACCOUNT aac:n Read each situation be ow, then circ e the choice that you think is the best banking so ution. In the ast column, describe why you believe it was the best banking solution. SITUATION 1. Monica typica ly has about
Exercise 6. Exercise 7. Exercise 8. Exercise 9. At Quizlet, we're giving you the tools you need to take on any subject without having to carry around solutions manuals or printing out PDFs! Now, with expert-verified solutions from Personal Financial Literacy 1st Edition, you'll learn how to solve your toughest homework problems.
Personal Financial Literacy Student Worksheet Unit 2: Managing Your Money Name: _____ Class: _____ Date: _____
Homework 5 DAY 2 Comparing Simple and Compound Interest Student Handout 2 Homework 2 DAY 7 Financial Responsibility Student Handout 6 Homework 6 Financial Literacy Unit Test Test ©Maneuvering the Middle LLC, 2017 PERSONAL FINANCIAL LITERACY OVERVIEW PCADINCSS STANDARDS 8.12D Calculate and compare simple interest and compound interest earnings.
Terms in this set (10) Budget. An effective way to help you save and spend. Income. The money received during a period of time from wages, interest, and others. Expenses. the cost from fixed, variable, and discretionary spending. Needs. All the monthly expenses that are needed to keep your life stable.
A. Someone could steal your checkbook and have access to your savings. B. Someone could steal your debit card and have access to your savings. C. All of the answers are true. D. Checking is a bad place to keep yours savings because you might get that money mixed up with your spending money.ANSWER:D.
Welcome to the Personal Financial Literacy Teacher and Student Resource Materials page! Economic Reasoning new! Economic Reasoning PowerPoint new! Economic Reasoning new! 1.1: Jobs vs Careers new! 1.2: Paying for a Post-Secondary Education new! 1.3: Income and Taxes new! 1.4: Goal Setting new! 1.5: Managing Your Income new!
Personal Financial Literacy - J.D. Smith Middle School
Unit Personal Financial Literacy Homework 2 is a crucial tool in developing financial knowledge and skills. This article aims to provide a comprehensive answer key for Homework 2, covering various topics related to personal finance. The answer key will delve into key concepts such as budgeting, saving, investing, and managing debt. It will ...
the desire or need for a product or service. income. the money received for work, products sold, and from other sources, such as rent or investments. mean. an average. occupation. a person's usual work or business; a way of earning a living. salary. a fixed amount of money periodically paid to a person for work.
The personal focus of this course makes it relevant and meaningful to those just starting down the path to personal financial independence. MindTap for Personal Financial Literacy, Updated Precision Exams Edition, 3rd edition is the digital learning solution that helps teachers engage and transform today's students into critical thinkers.
Personal Financial Literacy Unit 1-2 Test. 75% average accuracy. 26 plays. 9th - 11th grade . Other. a year ago by . 0 Save Share Edit Copy and Edit. QUIZ. NEW. SUPER DRAFT. ... Assign homework . SUPER. Finish Editing. Delete Quiz . 38 questions Preview Show answers . Question 1 . SURVEY . Ungraded . 300 seconds .
View Personal Financial Literacy Unit 2 Managing Your Money - Student Worksheet.docx from BUSINESS 8632 at Morton Ranch H S. Personal Financial Literacy Name: Fabiana Campos Unit 2: Managing Your ... View Homework Help - 3.05 cash managment from MATH 101 at Perry High School. 3.05 Debt:... homework. Quiz Ch 17.docx. Ferris State University ...
Personal Financial Literacy Student Worksheet Unit 2: Managing Your Money Lesson 2: Introduction to Banking 1. Checking accounts allow you easy access to your money. 2. Checking accounts allow you to use both credit and debit. 3. Many banks will require a minimum deposit of $50 to $100 to open an account. 4. Savings accounts allow you to save ...
All choices involve a cost. 3. People respond to incentives in predictable ways. 4. People create economic systems that influence choices and incentives. 5. People gain when they trade voluntarily. 6. People's choices have consequences for the future.
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Personal Financial Literacy Student Worksheet Unit 2: Managing Your Money Lesson 2: Introduction to Banking 1. Checking accounts allow you easy access to your money. 2. Checking accounts allow you to use both credit and debit. 3. Many banks will require a minimum deposit of $50 to $100 to open an account. 4.
term. a set period of time. treasury bills. T-bills; a savings product sold by the US Treasury department at a discount from their face value and range in terms from a few days to six months. Study with Quizlet and memorize flashcards containing terms like compound interest, principal, return and more.
PF Unit 2- Lesson 2 Managing Your Money AES: Personal Finance ... katied257. Preview. Fin 3110 Chp 3 HW Review. 5 terms. keainclemson. Preview. Managing Your Money Quiz. 20 terms. Amyyyyyy17. Preview. Unit 3: Using Credit Financial Literacy Aeseducation. 17 terms. soundgarden-fan-22. ... Dane is researching the topic of property taxes for a ...