The end of the year is here. The Media Center is charging fines to students who have not returned books. This is an example of which of the following?

• Positive Incentive

• Negative Incentive

• Positive Expectations

• Scarcity

Coach Queen offered to make his classes BBQ if the class average on a test was an 80. What is this an example of?

• Positive Incentive

• Negative Incentive

• Expectations

• Opportunity Cost

In order to best control spending you should keep track of monthly expenses by preparing a.....?

• Budget

• Deficit

• Debt Plan

• Roth IRA

What is the relationship between risk and return when it comes to investments?

• Lower Risk = Higher Reward

• Higher Risk = Lower Reward

• Lower Risk = Lower Reward

Check all that apply...Which of the following are services offered by both banks and credit unions.

• Checking Accounts

• Savings Accounts

• Roth IRAs

• Credit Cards

What is a benefit of investing in Mutual Funds?

• Bonds are a safe investment

• stock prices change too often

• diversification of investment

• Fund Managers know more about investment

Check all that apply....What is an advantage of using a Credit Union?

• Lower interest rates on loans

• higher interest rates on savings

• Greater access to your accounts nationwide

• Better technology for your financial needs

True or False....Consumers will borrow more money from banks and credit unions when interest rates increase.

• True

• False

Which type of tax is the best example of a regressive tax?

• Sales Tax

• Income Tax

• Property tax

• Corporate tax

Ms. Christopher wants to buy a new house. Which of the following is most likely to be seen as a positive from her credit history?

• She has zero late payments

• She has three open lines of credit

• other credit agencies have pulled her credit rating 3 times this month