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Financial Literacy Part 1

Total questions: 18

Worksheet time: 20mins

Name
Class
Date
1.
What is a good strategy to help you save?
a)
1st, spend money on all expenses; put the rest into saving
b)

Tap into your savings on a regular basis

c)
Pay yourself first - set aside money for savings each month
d)
Keep your spending and saving money together in 1 account
2.
Most Americans have an emergency fund and money saved for retirement
a)
True
b)
False
3.

What government agency insures your money in a savings account?

a)

FBI

b)

CIA

c)

FDIC

d)

The President

4.

True or False

Creating a savings account is free

a)

True

b)

False

5.

Choose TWO things that a savings account can be used for.

a)

Emergency visit to the doctor

b)

ATM

c)

Making a withdrawal often

d)

Vacation

6.

This type of bank offers services to the general public and to companies.

(Bank of America, Well Fargo etc.) 

a)

Investment bank

b)

Credit union

c)

Thrift bank

d)

Commercial bank

7.

A non-profit financial institution that's owned by the people who use its financial products; free; usually through an employer. 

a)

Thrift bank

b)

Commercial bank

c)

Credit union

d)

Investment bank

8.

A portion of one’s personal income paid to a government including the federal and state.

a)

Income

b)

Gross Pay

c)

Net Pay

d)

Income tax

9.

Is the total amount you earn before any deductions are subtracted.

a)

Net Pay

b)

Gross Pay

c)

Income

d)

Taxes

10.
Income amount remaining after all deductions have been taken out of gross pay.
a)

Net Pay

b)

Gross Pay

c)

Income

d)

Taxes

11.

A fixed hourly rate earned by employees

a)

Income

b)

Net Pay

c)

Wage

d)

Gross Pay

12.
Social security and medicare fall under 
a)

FICA 

b)

State 

c)

Federal 

d)

401K

13.
True or False: Social Security  helps provide retirement income for the elderly and pays disability benefits
a)

True 

b)

False 

14.

Tara’s deductions add up to $112 a week. If her net pay is $425 a week, what is her gross pay?

a)

$112.00

b)

$313.00

c)

$425.00

d)

$537.00

15.

If you worked 40 hours per week at $10 per hour, what is your gross income for the week?

a)

$227

b)

$4000

c)

$40

d)

$400

16.

What's a check stub?

a)

What you give to the bank to deposit.

b)

The part of a paycheck that lists deductions from your salary

c)

It's an envelope.

17.

Money taken out of paycheck

a)

statement of earnings

b)

withholding

c)

income

d)

direct deposit

18.

What two forms must you fill out when you start a new job?

a)

I-7 and W-12

b)

I-9 and W-4

c)

I-4 and W-9

d)

I-2 and W-8