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DECA Meeting Personal Finance Activity

Total questions: 14

Worksheet time: 5mins

Name
Class
Date
1.

Interest means...

a)

"Too much money being borrowed"

b)

"A fee paid for the use of someone else's money"

c)

"used to buy something now and pay it for later"

2.

"What is the difference between a debit card and a credit card?"

a)

"A debit card takes money immediately from a bank account. With a credit card you pay later. (plus interest)"

b)

"A credit card takes money immediately from a bank account. With a debit card you pay later."

c)

"A credit card takes money immediately from your savings fund. With a debit card you are charged interest."

d)

"A debit card takes money immediately from your savings fund. With a debit card you are charged interest. (plus interest)"

3.
401(k), IRA, and Roth IRA are all examples of a __________ account.
a)
Retirement
b)
College Savings
c)
Low Interest
d)
Stock
4.
What does CD stand for when talking about investments?
a)
Calculated Dividend
b)
Certificate of Deposit
c)
Central Dollar
d)
Current Deposit
5.
A mutual fund allows investments to be ___________.
a)
Secured
b)
Guaranteed
c)
Diversified
d)
Minimal
6.
This is just a savings account with a slightly higher interest rate because the saver commits to a longer saving period for a set amount deposited.
a)
C.D.
b)
debt
c)
beneficiary
7.
This is an obligation of repayment, usually including principal plus interest; any time you owe someone money.
a)
compound interest
b)
emergency fund
c)
APR
d)
debt
8.
This is an obligation of repayment, usually including principal plus interest; any time you owe someone money.
a)
compound interest
b)
emergency fund
c)
APR
d)
debt
9.
The availability of money; how quickly you can convert it into cash in your hand is its _______.
a)
diversity
b)
liquidity
c)
yield
d)
gratuity
10.

What is a credit score?

a)

a three-digit score that tells lenders how much money you make each year.

b)

A five-digit numerical rating that reflects how likely you are to repay your debt.

c)

A three-digit numerical rating that reflects how likely you are to repay your debt.

d)

A credit score is a five-digit numerical rating that reflects how likely you are to fail at paying your debts

11.

Student loans can be subsidized (by the government) or unsubsidized, and cannot be discharged with bankruptcy.

a)

true

b)

false

12.

In order to best control spending you should keep track of monthly expenses by preparing a.....?

a)

Budget

b)

Deficit

c)

Debt Plan

d)

Roth IRA

13.
Which of the following information would you find on a paystub? (Check all that apply.)
a)
Your name
b)
Your Address
c)
The pay period
d)
Deductions
e)
Check amount
14.
When the money you earn from working goes right into your checking account automatically this is called:
a)
direct deposit
b)
tax refund
c)
earned income
d)
pay stub