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Money Matters 2 Final

Total questions: 70

Worksheet time: 53mins

Name
Class
Date
1.
A reason that people need to save and invest is to:
a)
Enable their money to make money
b)
Increase the money supply
c)
Be able to get anything they want
d)
Have an opportunity to talk with financial service providers
2.
Saving and investing have nothing to do with the amount of money you make.
a)
True
b)
False
3.

When the stock market is doing well, the jargon term is

a)

Bear Market

b)

Duck Market

c)

Buffalo Market

d)

Bull Market

4.
Which of the following statements best explains the purpose behind diversifying your portfolio.
a)
All's well that ends well
b)
Don't put all your eggs in one basket
c)
Everything in moderation.
d)
Just do it.
5.
Savings accounts have _______  interest rates.
a)
Low
b)
High
6.
—Buying little pieces of a whole lot of different companies
a)
Stocks
b)
Bonds 
c)
Mutual funds
d)
T-bills
7.

Single stocks and mutual funds carry the same amount of risk.

a)

True

b)

False

8.

The amount you earn as profit from your investment based on your deposited amount, usually expressed as a percentage

a)

Penalty

b)

Interest Rate

c)

Emergency Fund

d)

Index

9.

The time period an investment is intended to last

a)

Maturity Date

b)

Term

c)

Interest

d)

Diversification

10.

A share of the value of a company, which can be bought, sold or traded as an investment and which gives the investor partial ownership of the company

a)

CD

b)

Mutual Fund

c)

T-Note

d)

Stock

11.

A collection of stocks and/or bonds combined into one fund, which will be traded as a unit, typically chosen and actively managed by an expert in exchange for a fee from each investor.

a)

Stock

b)

Bond

c)

T-Note

d)

Mutual Fund

12.

A bond, often having tax advantages for individual investors, issued by a state or local government, typically uses the loan to pay for public works to benefit its citizens.

a)

Index Fund

b)

Commodity

c)

Municipal Bond

d)

Emergency Fund

13.

The overall collection of investments held by a person.

a)

Fund

b)

Portfolio

c)

Savings Account

d)

Certificate of Deposit

14.

The act of investing in a large variety of stocks, bonds and/or alternative investments, like gold or real estate, as a way to reduce your overall risk.

a)

Dividends

b)

Mutual Fund Investing

c)

Portfolio

d)

Diversification

15.

A security in which the investor loans money to a company or government, then pays regular interest to the bondholder and returns the principal on the bond’s maturity date

a)

Index Fund

b)

Dividend

c)

Bond

d)

T-Note

16.

A payment made by a publicly traded corporation to its shareholders

a)

Dividend

b)

Index

c)

Commodity

d)

T-Note

17.

Degree of uncertainty on how likely the investor is to make money on an investment

a)

Index

b)

Risk

c)

Maturity

d)

Penalty

18.

Which of these is NOT Long Range goal for Seniors in High School?

a)

Buying a House

b)

Having a Finance Broker

c)

Opening a Savings Account

d)

Retirement Planning

19.

What determines the amount of money you can gain or lose in Investing?

a)

Principal Deposit

b)

Interest Rates

c)

Payments to Checking Account

d)

How much you Save each paycheck

20.

Which of these is synonymous with Investing?

a)

Balance Checkbook account

b)

Having a Credit Card

c)

Retirement Plan

d)

Saving Plan

21.

What is the indicator that shows your Investment is losing or gaining money in your portfolio?

a)

Checkbook balance

b)

Stock Market

c)

Bank Withdrawals

d)

Daily Purchases

22.

When do most Americans get a Retirement Plan?

a)

At age 65 years old

b)

When they get their Career Job

c)

When they get Married

d)

When they get they get their first Apartment

23.

Which of these is NOT included when you invest in the Stock Market?

a)

Interest Rates

b)

A Company Sales Volume

c)

Your Paycheck

d)

A Company Active Trading

24.

Which of these is associated with Investing in a Stock?

a)

Risk

b)

Where you Work

c)

Taxes

d)

Purchasing a Car

25.

If you buy a company's bond:

a)

you own a part of the company

b)

you have lent money to the company

c)

you are liable for the company's debts

d)

you can vote on shareholder resolutions

26.

You should invest all your money in a single type of mutual fund to get maximum return in your portfolio.

a)

true

b)

false

27.

With high risk, there is always the change of ...

a)

higher potential returns

b)

loss of investment

c)

both of the above

d)

none of above

28.

Stockholders are

a)

part owners of a corporation

b)

creditors of a corporation

c)

those who deposit money in commercial banks

d)

all of the above

29.

Which is the most liquid form of savings?

a)

a savings account

b)

an IRA

c)

a money market account

d)

a certificate of deposit

30.
Why is compound interest more advantageous than simple interest?
a)
It’s more difficult to calculate, so fewer people use compound interest, making more profits for those who do.
b)
Compound interest accumulates very rapidly, so you only have to save for 3 years or fewer to earn far more money.
c)
Compound interest is attached to the stocks with the highest risk, so you get the highest interest on them
d)
In compound interest, you earn interest on not only your principal, but also on the interest you’ve already made.
31.
Which of the following statements are true?
a)
Between cash, stocks, and bonds, bonds are typically considered the riskiest.
b)
Stocks are the riskiest investments out there.
c)
Putting money into a savings account with interest is the ideal way for a young adult to invest.
d)
Historically, stocks have had far greater annual returns than cash, government bonds, and savings
32.

How do you invest in stocks.

a)

Buy it online.

b)

You have to have a stock broker.

c)

Buy it from someone.

d)

You have to buy more then 12 shares.

33.

What is Bull market?

a)

Buying a bull online

b)

When everything goes up and people are buying.

c)

When prices are going down and nobody is buying.

d)

When people are selling false information.

34.

What is a Bear market?

a)

When prices go up and everybody is buying.

b)

Selling a bear online.

c)

When prices go down and nobody is buying.

d)

Buying bears online.

35.

What is the differences between stocks and bonds?

a)

They are both investments.

b)

A stock is what corn grows on, and a bond gets you out of jail.

c)

Stock represents ownership, and bonds represents your word.

d)

A stock represents ownership, and bonds represents a loan.

36.

Dividends are_____?

a)

Money shareholders lose in stock.

b)

Money shareholders pay to buy stock.

c)

Stock that splits.

d)

Money shareholders received from stock profits.

37.

A bond's interest rate

a)

Coupon Rate

b)

Maturity

c)

Par Value

d)

Yield

38.

The length of a bond

a)

Coupon Rate

b)

Maturity

c)

Par Value

d)

Yield

39.

The principle amount (face value)

a)

Coupon Rate

b)

Maturity

c)

Par Value

d)

Yield

40.

The rate of return (calculated yearly)

a)

Coupon Rate

b)

Maturity

c)

Par Value

d)

Yield

41.

The best rating a bond can receive

a)

D

b)

AAA

c)

AA

d)

B

42.

High yield, risky bonds

a)

Junk

b)

Corporate

c)

Municipal

d)

Savings

43.

Bonds issued by local governments for improvement projects

a)

Municipal

b)

Savings

c)

Treasury

d)

Junk

44.

U.S. government bond issued for improvement projects, but does not offer interest until the maturity is reached

a)

Savings

b)

Municipal

c)

Junk

d)

Corporate

45.

Type of stock owned by non-voting members

a)

Income

b)

Growth

c)

Preferred

d)

Common

46.

Type of stock owned by voting members

a)

Income

b)

Growth

c)

Preferred

d)

Common

47.

Location stockbrokers trade the best stocks in the USA

a)

New York Stock Exchange

b)

NASDAQ

48.

Where ordinary over-the-counter stocks are traded

a)

New York Stock Exchange

b)

NASDAQ

49.

If you sold stock for a cheaper price than you purchased it for, you experienced...

a)

Capital Loss

b)

Capital Gain

c)

Dividends

d)

Bull

50.

Income Tax is imposed by

a)

(a) State Government

b)

(b) Central Government

c)

(c) Both of the above

d)

(d) Constitution of India

51.

Wages, salary and tips

a)

unearned income

b)

earned income

c)

disposable income

52.

Income that has not been worked for such as interest, dividends, or gambling winnings

a)

disposable income

b)

unearned income

c)

earned income

d)

workers compensation

53.

withheld from an employee’s wages or salary

a)

disposable income

b)

payroll taxes

c)

workers compensation

d)

earned income

54.

What are the four most common taxes that come out of a person’s payroll check?

a)

Federal Income Tax

b)

State Income Tax

c)

City/Local Income Tax

d)

Medicare Tax

e)

Social Security

55.

What government department collects personal income tax?

a)

Federal Government

b)

IRS

c)

Social Security Division

d)

Congress

56.

By what date must employers provide, or place in the mail, a wage earner's W-2 statement?

a)

January 1

b)

January 31

c)

April 1

d)

April 15

57.

Which form is used to report an employees earnings and taxes paid in a year?

a)

W-2

b)

W-4

c)

I-9

d)

1040

58.

Social security is the tax that pays for medical insurance for older adults.

a)

True

b)

False

59.

Tax deductions are calculated as a percentage of net pay.

a)

True

b)

False

60.

Unearned income is reported on your tax form and taxes must be paid on them.

a)

True

b)

False

61.

What is the deadline for filing personal income tax?

a)

January 31

b)

April 15

c)

May 31

d)

June 15

62.
Single, Married Filing Joint, and Head of the Household are all examples of___ on a tax return.
a)
filing status
b)
standard deductions
c)
itemized deductions
d)
dependents
63.

Our tax money is spent on all of the following EXCEPT:

a)

Social Security

b)

The Military

c)

Private School Education

d)

National Parks

64.

Which is the most complicated tax form?

a)

1040

b)

1040A

c)

1040EZ

65.

Who primarily uses our tax money? (2 correct answers)

a)

Your employer

b)

The state government

c)

The Federal government

d)

Local Businesses

66.

The Earned Income Tax Credit reduces the amount of tax owed and may result in a refund

a)

True

b)

False

67.

Total money you earn before taxes and other deductions.

a)

Salary

b)

Net income

c)

Gross income

d)

Wages

68.

What form is used to file a federal income tax return?

a)

W-2

b)

W-4

c)

1040

d)

540

69.

Steven is single with taxable income of $100,000.

Seth and Susan are married each have taxable income of $50,000. Who will pay more taxes?

a)

Steven, filing as single

b)

Seth and Susan, filing as married filing jointly

c)

Their taxes will be equal because both tax returns will have total income of $100,000.

70.

Which form would you NOT include when mailing your federal tax return?

a)

Schedule B

b)

Schedule A

c)

W-2

d)

1040

e)

W-4

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