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MDFL Semester Exam Review: Units 2 & 3

Total questions: 20

Worksheet time: 22mins

Name
Class
Date
1.

Place the type of payroll deduction in the appropriate category.

Categorize the following

Garnishments

State Income Tax

Federal Income Tax

Medicare Tax

Social Security Tax

Professional Organization/Union Dues

Gym Membership

Life Insurance

Health Insurance

401 K Retirement Plan

Voluntary Deductions
Involuntary Deductions
2.

Drag and drop the terms to match the number of pay periods that would occur yearly.

Categorize the following

annually

monthly

biweekly

weekly

1
12
26
52
3.

Rodezia works at the Apple Store earning $18.25 an hour and is paid time and a half for any hours worked past 40. Last week she worked 52 hours. Determine her gross pay for the week.

(a)  

4.

One year, the maximum taxable income for Social Security was $145,500, and the rate was 6.2%. The rate for Medicare tax was 1.45%. If Jessica’s taxable income as an attorney was $139,000 that year, how much did she pay in Medicare tax? How much did she pay in Social Security tax?

a)

SS: $8,618

b)

Med: $2,015.50

c)

SS: $9,021

d)

Med: $2,109.75

5.

Tonya wants to place an advertisement in a local newspaper to sell her car. This piecewise function shows in the cost of the advertisement given that x equals the number of lines. If the advertisement she wants to place will be 7 lines, how much will the paper charge her?

a)

$32.50

b)

$29.00

c)

$26.50

d)

$22.00

6.

If the sales tax of a state is 7.55% what is the price of a $125 pair of shoes after the tax has been added?

(a)  

7.

The median annual salary for an event planner is $60,900. If the event planner pays an 8% income tax, how much money in dollars and cents will the event planner pay for income tax?

(a)  

8.

Kiki receives a paycheck for 15 hours of work at a rate of $20 per hour. Her paystub lists 401(k) withholdings of $40, FICA of $20, federal income taxes of $26, and a healthcare payment of $8. What is Kiki's gross pay? What is Kiki’s net pay?

a)

Gross: $300

b)

Net: $206

c)

Gross: $206

d)

Net: 300

9.

LaToya has $113.94 in her checking account. During the week, she goes to an ATM and withdraws $40. She is charged a usage fee of $2.50. The following week she deposits her paycheck of $189.73. She writes two checks, one for $22.50 and the other for $70.18. What is the current balance in her checking account?

a)

$170.99

b)

$168.49

c)

$145.99

d)

-$21.24

10.

Amir's checking account has a minimum balance of $500. He is charged a $7 fee every month his account balance is below that minimum. In January 2021, Amir's balance is $385. He makes no other deposits or withdrawals throughout the year.

Write an equation (NO SPACES) to represent Amir’s checking account balance after x months since January. Then, state how much Amir will have after 42 months.

a)

y= -7x+385

b)

$91

c)

y= 385x-7

d)

$206

11.

Which team member earns the most when working between 10 and 30 hours?

a)

Team Member 2

b)

Team Member 1

c)

Team Member 3

12.

Which equation represents Team Member 3?

a)

y=15x+150

b)

y=200x+10

c)

y=42x+200

d)

y=10x+200

e)

y=10x+15

13.

Place the description in the correct category.

Categorize the following

"Fee" applied when checks or electronic payments cause your account to go below $0

"Covers" you with a charge when checks or electronic payments cause your account to go below $0

Transfers money from a linked savings account when the checking balance drops below $0

this is only charged if no other account protections are in place

transactions are approved and money is transferred from your linked account

there is usually a fee but it will typically be smaller than other options

transaction to be approved and your account will go into negative territory

many banks have a limit on the # of these transactions that you can be charged per day

all transactions will be declined

NSF Fee
Overdraft Coverage
Overdraft Protection
14.

Reorder the steps below to help someone that would like to use a Peer-to-Peer payment option to reimburse their friend who purchased 5 candy bars from a JROTC classmate.

a)

Download the app, create an account & link your bank account or card to your app

b)

When you want to pay someone money, open up the app

c)

Find the recipient as a contact

d)

Type in how much you want to send & confirm the money transfer

e)

The recipient can keep the money in their app, use it to pay someone else later, or transfer it into their linked bank account

1)
2)
3)
4)
5)
15.

Maxi has an annual salary of $31,200. How much does she earn every pay period before taxes if she gets paid semimonthly?

(a)  

16.

Cherie accepted a job through an employment agency. The job pays $1,100 weekly. The agency charges 22% of her first eight weeks' pay. How much money will the employment agency receive for placing Cherie in her new job?

(a)  

17.

Which of these bank alerts will help protect you from overdrafting your account?

a)

Low balance alert

b)

Unusual activity alert

c)

Profile change alert

d)

Debit card alert

18.

Your bank statement includes all of the following information, EXCEPT...

a)

your credit score

b)

the statement period

c)

fees charged by the bank

d)

debits and credits on your account

19.

Liam accidentally charged more on his debit card than he had in his checking account. His balance is now -$12.75. He is charged a $10 overdraft fee each day his account balance is below $0. He makes no other withdrawals or deposits. Which equation accurately represents his balance, y, after x days?

a)

y= -12.75x+10

b)

y= -12.75x -10

c)

y= 10x-12.75

d)

y= -10x-12.75

20.

Which of the following correctly describes the relationship between the terms?

a)

net pay = gross pay - deductions

b)

gross pay = net pay - deductions

c)

deductions = (net pay)(gross pay)

d)

gross pay =

net pay/deductions