Check written for more money than is in one's account

Matching the checkbook register with the bank statement

A booklet used to record checking account transactions

A no-fee or low-fee account with a minimum balance minimum

Writing a check before a deposit has cleared the account

A computer-based system that moves money from one account to another.

electronic funds transfer (EFT)

A personal check that the bank guarantees to be good.

Check written by a bank on its own funds

A place to store valuable items at a bank

Bank service that covers bad checks

A person who verifies another person's identity and signature

A form of financial aid based on need that does not have to be repaid.

Interest earned on principal and interest

Cash allowance awarded to a student to help pay education costs

A form of financial aid in which no interest accumulations until you finish school

A program where students can work on campus or another college location to earn money.

Money your employer deposits electronically into an account

Measure of how quickly you can get your cash

A plan in which you authorize your employer to deduct money from paychecks

A type of savings account that offers a more competitive interest rate than a regular savings account

The amount of principal plus accrued interest when a CD is redeemed.

The value of property you possess after deducting debts

The total dollar amount of interest and fees you pay for the use of credit

A person or business that loans money

The use of someone else's money, borrowed now with the agreement to pay it back later

A pre-established amount that can be borrowed on demand with no collateral

A state law that sets a maximum interest rate that may be charged for loans

An organization that makes high-risk consumer loans

The cost of credit expressed as a yearly percentage

An unlicensed lender who charges illegally high interest rates

A loan for a specific amount that must be repaid in full by a specified due date

A written statement about a consumer's credit history

A person who is a good credit risk

A business that gathers, stores, and sells credit information to other businesses

A consumer request to deny all access to his or her credit information and files

The complete record of your borrowing and repayment performance

The total number of assigned points that tells potential creditors the likelihood that you will repay debt as agreed

An itemized bill showing all charges, credits, and payments posted to your account.

A letter grade based on a consumer's credit score that indicates his or her creditworthiness.

A person or company hired by a creditor to collect the overdue balance on an account

A request by a business with a "permissible purpose" to check your credit

Checking several places to be sure you are getting the best price for equal quality

A code that protects private information

A legal process that allows part of your paycheck to be withheld for payment of a debt

Buying something without thinking about it and making a conscious decision

A court order that allows creditors to collect debts you owe

Personal Finance Chapters 4-9 Test

Quiz

•

Business

•

12th Grade

•

Practice Problem

•

Easy

Trent Thompson

Used 49+ times

FREE Resource

50 questions

Show all answers

1.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

Items of value that a person owns

assets

financial plan

cash deficit

wealth

2.

FILL IN THE BLANK QUESTION

1 min • 1 pt

A spending and saving plan based on expected income and expenses

3.

MATCH QUESTION

1 min • 1 pt

Match the following

net worth

assets minus liabilities

variable expenses

an accumulation of assets

disposable income

Money you have left to spend or save after taxes and deductions

wealth

Debts owed to others

liabilities

Costs that can vary each month in both amount and type

4.

OPEN ENDED QUESTION

3 mins • 1 pt

Why would you prepare a net worth statement?

Evaluate responses using AI:

OFF

5.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

An invitation to enter a contract

offer

acceptance

capacity

warranty

6.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

A statement assuring quality and performance of a product or service

consigner

counteroffer

acceptance

warranty

7.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

A person who promises to pay the debt of another person

capacity

cosigner

frauds

offer

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Personal Finance Chapters 4-9 Test

50 questions

Items of value that a person owns

A spending and saving plan based on expected income and expenses

Match the following

Why would you prepare a net worth statement?

An invitation to enter a contract

A statement assuring quality and performance of a product or service

A person who promises to pay the debt of another person

Something of value exchanged for something else of value

The competence of a party to enter into a contract.

What is the purpose of the statute of frauds?

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