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CFA #13 Replacement (SSEPF1&2)

Total questions: 20

Worksheet time: 13mins

Name
Class
Date
1.
Which of the following is an important reason why people need financial investment plans? 
SSPEPF1 
DOK 2
a)
to know where to purchase goods
b)
to save for retirement
c)
to gain simple rather than compound interest
d)
to lower their credit score
2.
Which one of the following terms is an organized spending plan for one's money?
SSEPF1b
a)
Cost System Analysis
b)
Bankruptcy
c)
Budget
d)
Profit and Loss Statement
3.

What is the process of evaluating marginal benefits (MB or gains) of a decision against marginal costs (MC or costs) of a decision, based on the assumption that the selected decision is one in which MB > MC?

a)

Irrational Choices

b)

Thinking at the Margin

c)

Rational Decision Making

d)

Investing

4.
A person's life work, which requires planning, preparation, interest, and time is _____
a)
an occupation
b)
a career
c)
a career cluster
d)
internship
5.

A strong career choice aligns with your________________ .

a)

personal strengths and interests

b)

schedule

c)

parents' interests

d)

friends' same career choice

6.

What is a benefit of going to college and having a college degree?

a)

Lower lifetime earnings

b)

Lower interest rates on future loans

c)

Expanded professional and social netowrk

d)

Guaranteed starting salary of $50,000 after graduation

7.

All of the following are costs of going to college EXCEPT...

a)

Tuition and fees

b)

Room and board

c)

Textbooks and school supplies

d)

Scholarships and grants

8.

Which is TRUE about sticker price and net price? (hint: choose 2 correct answers)

a)

Net price is the published cost of going to a school

b)

Sticker Price is the published cost of going to a school

c)

Net price is the sticker price minus scholarships & grants

d)

Sticker price is the net price minus scholarships & grants

9.

Why should you file the FAFSA as early as possible?

a)

It can help your chances of being accepted into schools

b)

Aid is given out on a first-come, first-serve basis

c)

You're guaranteed to get more merit-based scholarships

d)

You'll get a lower interest rate on federal student loans

10.

What kinds of aid are you eligible for by filing the FAFSA? (hint: choose 3 correct answers)

a)

Grants and Scholarships

b)

Private Student Loans

c)

Work-Study

d)

Federal Student Loans

11.

What do you need to file your FAFSA if you're a dependent?

a)

Just your tax forms

b)

Your high school student ID number

c)

Your and your parents' tax forms from 2 years priors

d)

A pay stub if you had a job in the past year

12.

Planned Vacation

a)

Varialbe

b)

Fixed

c)

Planned

d)

Unplanned

13.

Grocery bill is

a)

Varialbe

b)

Fixed

c)

Planned

d)

Unplanned

14.

Membership or dues

a)

Fixed

b)

Variable

c)

planned

d)

Unplanned

15.
Earnings paid to an employee based on an hourly rate. 
a)
Commission
b)
Wages
c)
Salary
d)
Deductions
16.
A Salary is a _____________________
a)
hourly pay amount
b)
fixed regular payment
c)
paid bi weekly or monthly.
17.

What do you need to file your 1040 form? (hint: choose 2 correct answers)

a)

Your W-2

b)

Your W-4

c)

Your prior year's tax return

d)

Social Security Number

18.

Jason is 15 and earned $1450 at his job last summer. Should he file a tax return?

a)

No, because he didn't earn enough.

b)

No, because you have to be 16 and older to file taxes.

c)

Yes, because he may get a refund.

d)

Yes. You must file taxes even if you didn't earn enough.

19.

Which is an advantage of using cash?

a)

It is accepted almost everywhere in the UK.

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.

20.
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.