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Consumer Skills Review

Total questions: 36

Worksheet time: 52mins

Name
Class
Date
1.

Which statement best describes how to comparison shop?

a)

Buy many brands of the same item, see which you like best, and return all the rest

b)

Set a budget, decide what features you want, and see which stores/brands best fit your needs

c)

Visit many stores and ask the salespeople to lower the price until one offers something you can afford

d)

Start your own website that compares the current store prices of items you shop for regularly

2.

You're going to buy a new bicycle. What should be one of your first steps in comparison shopping?

a)

Decide what bicycle features you care most about

b)

Visit the store that sells the least expensive bicycles

c)

Locate a coupon for bicycles

d)

Sell your old bicycle

3.

Randall needs to make two purchases today -- a box of donuts to share with his homeroom and a pair of running shoes for the upcoming track season. For which item should he do MORE comparison shopping?

a)

Neither -- both of these purchases are very easy

b)

The donuts -- because he wants to get a lot of flavors

c)

The shoes -- because they need to fit well and last for the whole season

d)

Both -- you should comparison shop for every item you

4.

Sofia wants to buy a new pair of jeans. At Pants World, the jeans she wants cost $40 and they're having a 25% off sale. At All Clothes, the same jeans cost $38 and she has a $6 off coupon. What is the best deal?

a)

Purchase at Pants World, because the cost after discount will be $15

b)

Purchase at Pants World, because the cost after discount will be $30

c)

Purchase at All Clothes, because the cost after coupon will be $32

d)

Purchase at All Clothes, because the cost after coupon will be $34

5.

A popular promotion at stores is "Buy One, Get One Free." Why do stores offer this deal to their customers?

a)

Stores promote the deal but make you pay for the second item anyway once you're at the cash register

b)

Stores make money because you still have to pay taxes on the second item

c)

Most stores are not trying to make a profit, so it doesn't matter if they give away free items

d)

Great deals convince customers to buy things they don't need and stay loyal to the store or brand

6.

On a restaurant receipt, you will commonly find each of these items EXCEPT...

a)

The date and time of your dining

b)

The total cost of your food and drinks

c)

The tax and tip that were added to your bill

d)

The total money in the bank account you used to pay

7.

Naya has done a lot of shopping recently. Which receipt should she probably keep the longest?

a)

CVS receipt for a juice and a pack of ponytail holders

b)

Mall store for 5 shirts and 2 pants, all of which she's tried on and fit

c)

Restaurant receipt for sandwich, salad, and lemonade

d)

Target receipt for bluetooth headphones for her and a popular toy for her niece's birthday

8.

Complete this sentence: A checking account statement...

a)

is the receipt you get from a store when you purchase something using a check

b)

tells you the bank's policies on fees

c)

lists all the purchases and deposits you've made in the previous month

d)

allows you to take out a student loan for college

9.

Which of the following transactions will REDUCE the amount of money in your checking account?

a)

Deposit a check your uncle gives you for your birthday

b)

Use your debit card to get money from an ATM

c)

Buy an expensive new bike using cash

d)

Transfer funds from your saving account to your checking account

10.

What do you need in order to open a checking account?

a)

A form of ID and proof of address

b)

At least $50 saved up

c)

A report card showing you've passed all your classes

d)

Two letters of recommendation

11.

Chang wants to use his mobile wallet at a t-shirt shop on vacation. What does he need to do to pay for the item?

a)

He holds his smart phone next to the store's checkout terminal

b)

He uses his laptop to buy the item on the store's website

c)

He scans the store receipt using his cell phone within the next 24 hours

d)

He uses his phone to buy a gift card from the store and then buys the t-shirt with the gift card

12.

What is the primary difference between a prepaid card and a gift card?

a)

Prepaid cards can be used to shop online, but gift cards cannot

b)

Prepaid cards are made of plastic, but gift cards are usually cardboard

c)

Prepaid cards can be used at many different stores, but gift cards are usually for a specific store

d)

Prepaid cards are only for people without checking accounts, but gift cards are for everyone

13.

Which of these is a common reason someone would use a peer-to-peer payment app?

a)

To deposit a work paycheck into their checking account

b)

To buy groceries at the supermarket

c)

To repay a friend who covered their costs at a restaurant

d)

To keep track of their spending and saving

14.

Which of the following is an advantage of using a credit card?

a)

Interest is charged for the use of a credit card.

b)

Consumers can purchase things now, and pay for them later in the event of an emergency.

c)

You could be a victim of identity theft.

15.

The purchase amount is immediately removed from a linked account.

a)

Debit Card

b)

Credit Card

c)

Stored-Value Card

16.

Spending is limited to the amount on the card.

a)

Debit Card

b)

Credit Card

c)

Store Value Card

17.

Which payment method would be the best choice for the following scenario:

You need to purchase a new Air Conditioning unit for your house. You do not have the funds available currently to cover the full cost. You will need to pay in installments.

a)

Debit Card

b)

Credit Card

c)

Cashier's Check

d)

Money Order

18.

A stored value card is also known as a ..

a)

Credit card

b)

Debit card

c)

Online card

d)

Gift card

19.

The amount in the account

a)

Balance

b)

Budget

c)

Interest

d)

Financial systems

20.
Which is an advantage of using cash?
a)
It is accepted almost everywhere in the US.
b)
You can spend more than you have. 
c)
If you lose it, it is gone. 
d)
It is safer than a card or check. 
21.
Which method of payment should I use when making a small online purchase?
a)
Cash
b)
Credit Card
c)
Debit Card
d)
Check
22.
What is a disadvantage of using a credit card?
a)
It is easy to use.
b)
You can spend more than you have. 
c)
It can be used in emergencies.
d)
Banks sometimes give rewards on credit cards. 
23.
Which method of payment should I use when mailing money?
a)
Check
b)
Cash
c)
Credit Card
d)
Debit Card
24.
Steve has a good job as well as a checking and savings account. When he went to the store to buy groceries, his total was $45.23. However, he only had $30 in cash on him. How should he pay for his groceries?
a)
Credit Card
b)
Check
c)
Debit Card
d)
He should get more money from an ATM. 
25.
Mary has a part-time job. She can pay her bills but does not typically have much money left over. She gets into a car accident and must pay $400 for her car to be fixed. She only has $150 in her bank account and $24 in cash. How should she pay to fix her car?
a)
Check
b)
Cash
c)
Credit Card
d)
Debit Card
26.
What is the difference between Debit and Credit?
a)
Debit uses money borrowed from the bank, Credit uses the money you already have.
b)
Credit uses borrowed money or the bank's money, Debit uses your money.  
c)
They are both cards, they are the same. 
d)
Debit charges interest until the balance is paid. Credit does not because you are using your own own money. 
27.

Which store were the items bought at?

a)

Bunnings

b)

Big W

c)

Big Z

d)

Coles

28.

What do you think item number 2933771 is?

a)

biscuits

b)

cleaning product

c)

Bin liners

d)

Pens

29.

What formula do you use to find a total on a receipt.

s=subtotal t=tax

a)

s + t

b)

(s)t

c)

s - t

d)

s/t

e)

(s + s)t

30.

All of the money of purchases added together without the tax

a)

total

b)

subtotal

c)

receipt

d)

some money

31.

All of the money added together with the tax

a)

subtotal

b)

taxes

c)

total

d)

too much money to pay

32.

A written or printed statement acknowledging that something has been paid for or that goods have been received

a)

purchase

b)

receipt

c)

tax

d)

formula

33.
A pair of jeans costs $34.00.  You have a coupon for 30% off the regular price. What is the new price of the jeans after you use your coupon?
a)
$10.20
b)
$23.80
c)
$31.00
d)
$44.20
34.

You go to buy a pair of Jordan high heel shoes. They originally cost $150, but are on sale for 20% off. What is the final price you will pay?

a)

$130

b)

$20

c)

$180

d)

$120

35.

You find a hideous pair of Lebrons on sale. The original cost of the shoe was $399, but they are now on sale for 80% off. What is the final price after the discount is applied?

a)

$79.80

b)

$319.20

c)

$319

d)

$718.20

36.

You need a new pair of pink shoes to go with your new pink outfit. You find the perfect pair and (gasp!) they are on sale! They originally cost $720.40, but they are on sale for 70% off. What will the final price be after the discount is applied?

a)

$504.28

b)

$216.12

c)

$650.40

d)

$1,224.68