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Worksheets

TSW CAP

Total questions: 70

Worksheet time: 52mins

Name
Class
Date
1.

Why should you worry about having "good credit?"

a)

better credit terms

b)

something you can brag about

c)

it's the adult thing to do

d)

bad credit is very expensive to live with

2.

What is the term meaning the bank's ability to trust you to pay back a loan?

a)

Credit Card

b)

Credit Agency

c)

Credit Score

d)

Credit Limit

3.

520 is considered a very good credit score.

a)

true

b)

false

4.

Which of the following are problems that can hurt your credit?

a)

Defaulted Accounts

b)

Being "Credit Invisible"

c)

Maxing Out Your Credit Limit

d)

Earning Too Much Money

e)

Negative Marks on Credit Reports

5.

It's a great idea to avoid your bank if you owe them money. They probably won't find you.

a)

true

b)

false

6.

What does "credit invisibility mean?"

4 lines
7.

What should you do if you max our your credit limit?

4 lines
8.

Directions: For each scenario, identify the problem that each person is facing. Then give a brief description of what the person can do to help their credit score improve.


Susan filed for bankruptcy which resulted in a serious negative mark on her credit report. Consequently, it has been difficult for her to obtain credit. What are some financial steps Susan can take to demonstrate that she’s learned from her financial mistakes and is ready to be a responsible borrower?

4 lines
9.

Carrie has decided she’s ready to buy her first home. However, she doesn’t have any established credit and is having trouble receiving approval for a mortgage due to her lack of credit history. What are some strategies Carrie can use to establish a credit history?

4 lines
10.

Jackie has maxed out all of her credit cards. Even though she manages to make her minimum payments each month, her accrued debt level has hurt her credit score. What can Jackie do to improve her credit utilization ratio?

4 lines
11.

Max fell behind on his payments and began ignoring the statements and phone calls from his creditors. Eventually the creditors turned his accounts over to a collection agency. Credit bureaus see collection accounts as a sign that Max isn’t a reliable borrower and his credit score will decrease because of it. What can Max do to rehabilitate his credit after an account has been turned over to a collection agency?

4 lines
12.

What category do the following tasks fall under: self care, travel, transportation, etc.

a)

School Skills

b)

Vocational Skills

c)

Independent Living Skills

13.

What are functional life skills?

a)

The skills that an individual needs to develop in order to live independently regardless of their emotional, intellectual, or physical disabilities

b)

How to be functional

c)

The study of skills in the functional art

d)

A made up word that no one truly knows the meaning to.

14.

At age 18-25, we are done learning life skills

a)

True

b)

False

15.

What age do you get your licenses?

a)

14

b)

15

c)

18

d)

16

16.

When are you officially considered an Adult by law?

a)


16

b)

18

c)

21

d)

13

e)

19

17.

If you want to move out, what do you need to have?

a)

Money

b)

A Job

c)

Know how to pay bills

d)

All of the above

18.

What Age are you officially considered a teenager?

a)

18

b)

19

c)

13

d)

14

e)

15

19.

If you want to have kids, what would you need?

a)

A Job

b)

Money to provide for you all

c)

A house

d)

A Life plan

e)

All of the above

20.

Which of the following is not a type of an interview?

a)

Structured interview

b)

Virtual interview

c)

Forced interview

d)

Stress interview

21.

Which of the following is NOT preparation for an interview?

a)

memorize your résumé

b)

practice

c)

research the company

d)

plan your appearance

22.

Before the interview starts, you should

a)

ask the interviewer for his / her name.

b)

be careful of nonverbal messages.

​

c)

be seated immediately.

d)

avoid a handshake.

23.

A / an _____________ interview often features a series of prepared questions in a set order.

a)

virtual

b)

stress

c)

structured

d)

unstructured

24.

If an interviewer asks you to describe your biggest weakness, which of the following is the best response?

a)

Directly state your weakness

b)

Talk about skills you plan to develop

c)

Say you don't have any major weaknesses.

d)

Just ignore the question

25.

Which of the following is suitable attire for an interview?

a)

Sweat pants and T-shirt

b)

Tight skirt and blouse

c)

Formal attire

d)

All of the above

26.

How early should you arrive for an interview?

a)

2 minutes before ​the scheduled interview

b)

10 minutes before ​the scheduled interview

c)

An hour before ​the scheduled interview

d)

Right on time

27.

What should you do during an interview?

a)

Stare at the interviewer

b)

Ask personal questions

c)

Be polite​

d)

Be funny

28.

You should talk aggressively during the interview.

a)

True

b)

False

29.

When attending the interview, you should bring your resume/CV.

a)

True

b)

False

30.
Joe forgot to mail his car payment. The late fee he has to pay called a
a)
an alternative
b)
a consequence
c)
a risk
d)
an opportunity cost
31.
When you write checks for more than you have in your checking account it is called?
a)
overdraft
b)
backdraft
c)
deficit spending
d)
underdraft
32.
"Pay your self first" means....
a)
Pay your bills
b)
Deposit your paycheck
c)
Save money from every paycheck
d)
Buy groceries
33.
When you overdraft your account what happens?
a)
The bank charges you an overdraft fee
b)
The bank will send the check back to where you wrote it
c)
The bank will charge you an overdraft fee
d)
all of these
34.
True or False. When your buy something with a credit card, you will pay more for it.
a)
True
b)
False
35.
The amount of money on your paycheck that is left after all deductions are taken out is called..
a)
gross pay
b)
net pay
c)
balance pay
d)
pay day
36.
Another common name for net pay is....
a)
take home pay
b)
paycheck pay
c)
pay stub
d)
pay day
37.
Which of these is a hidden job cost?
a)
employee discount
b)
vacation pay
c)
health insurance 
d)
uniform costs
38.
An agreement between a tenant and a landlord is called a....
a)
contract
b)
lease
c)
rent
d)
deposit
39.
Money that is held by the landlord to cover damages when a tenant moves out is called
a)
holding
b)
security deposit
c)
first months rent
d)
last months rent
40.
The length of time a lease lasts is call the.....
a)
month
b)
rent
c)
term
d)
deposit
41.
Your are renting a house and the water heater is leaking. Who is responsible for fixing it?
a)
The landlord
b)
The tenant 
c)
your roomate
d)
your mom
42.
When buying a used car, what is a good source to see what is the fair price for the car you are considering buying?
a)
Kelley Blue Book
b)
The Jungle Book
c)
The bank
d)
The car dealer
43.
True or False. It is always a good idea to max out your credit cards
a)
True
b)
False
44.
True or false. It is always a good idea to pay only the minimum payment on your credit card bill.    
a)
True
b)
False
45.
What is the purpose of a resume?
a)
To decide the best possible candidates to interview for an open job position
b)
To hire someone
c)
To fire someone
d)
To start a tickle fight
46.
A document that contains a person’s qualifications and experiences which is used to apply for a job is called a(n):
a)
Rutabaga
b)
Resume
c)
Resolution
d)
Really Cool Document
47.
Resumes are used when...
a)
apples and oranges are no good.
b)
a pear is rotten.
c)
trying to get a promotion.
d)
applying for a job.
48.
Which of these are categories of a resume:
a)
Education, Work Experience, References, Awards/Acomplishments
b)
Excellence, Wackiness, E-Vites, Referees, Rewards/Acompaniment
c)
Elephants, Wolverines, Eagles, Rhinos, Racoons/Aardvarks
d)
Eeks, Woohoos, Ehs, Roars, Ribbits
49.
When creating a resume it is important to use...
a)
pretty pringles
b)
petty problems
c)
putrid partridges
d)
proper punctuation
50.
When do you send your resume?
a)
Before the job interview
b)
After the interview, but before you are hired
c)
After the interview and after you are hired
d)
When you try to get a raise
51.
Once you create a resume how often should you update it?
a)
When you get hungry
b)
Every Presidential Election
c)
Every time something changes in your work experience, or if you learn something new
d)
Every full moon
52.
In which section should you all the places you went to school?
a)
Work Experience
b)
Education
c)
Kids Under 12 Eat Free
d)
Senior Citizen
53.
The Skills/Talent section is for 
a)
playing the banjo.
b)
riding a unicycle.
c)
all the things you are good at that will make someone want to hire you.
d)
juggling chainsaws.
54.
Any special accomplishment that you earned recognition for should be included in the...
a)
frozen foods section.
b)
reference section.
c)
dairy section.
d)
awards/achievements section. 
55.
The work/experience section is for...
a)
work you do now or have done in the past.
b)
working on experience.
c)
experiencing work.
d)
sectioning work into little pieces so that you do not experience it for too long.
56.
References are...
a)
guys in striped shirts who throw flags at football games.
b)
collections of coral that grow just past the beach.
c)
letters or lists of people who will say good things about you.
d)
different things to refer to if you want to change someone's mind.
57.
What is phishing?
a)
scams through websites
b)
scams through emails
c)
scams through phone calls
d)
scams through text messages
58.
Sara finds a message on her phone that she thinks might be a scam.  She should:
a)
Forward the message to her friends to see if they think it's a scam too.
b)
Reply and ask the sender not to send more mail.
c)
Delete the message.
59.
Teens are some of the most frequent targets of identity theft and other scams. Why?
a)
Identity thieves look for “clean” Social Security numbers that haven’t yet been used to get credit.
b)
Thieves want to help teens get student loans for college
c)
It will help teens do better in school
d)
Identity thieves are just testing teens to see if they will fall for their scams
60.
What is a phishing scam?
a)
Someone trying to log your keys
b)
YOU SPELLED FISHING WRONG SIR!
c)
Someone sending you a virus
d)
Someone pretending to be a legitimate business
61.
The best way to avoid phishing is to
a)
be skeptical about any online requests for personal information.
b)
stay off social media.
c)
not share your email address.
d)
use the same password for all accounts.
62.

What is the main goal of Internet scammers?

a)

Fame

b)

Mischief

c)

Money

d)

Touchdowns

63.

What does it mean to be ethical?

a)

Applying moral principles in behavior

b)

Knowing right from wrong

64.

A behavior of an ethical employee is a positive attitude.

a)

True

b)

False

65.

How can unethical behavior affect the company?

a)

Low Morale

b)

Loss of Revenue

c)

Company closure

d)

All of the above

66.

If your spouse forgot to wake you up in time for work, whose responsible for you being late?

a)

Spouse

b)

You

67.

Which system helps employers monitor and track your work hours?

a)

Smart watch

b)

Time Clock

c)

Calculator

68.

Characteristics of an ethical employee are honesty, dependable, and adaptable.

a)

True

b)

False

69.

Being on your phone, playing online games, being late for work and taking company supplies for personal use are all unethical behaviors that could get you fired.

a)

True

b)

False

70.

How else does making goals help?

a)

It helps to give you purpose and direction in life

b)

It helps you learn how to use your time wisely

c)

It can make money magically appear for your needs and wants

d)

So you never have to spend money again

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