When interest rates are high, the average consumer will:

Which one of the following is money paid by one former spouse to support the other?

With _______, the bank deducts payments form your account and transfers them to the appropriate companies.

A blueprint or plan for managing all aspects of a person's money is called:

A corporation's net, or after-tax, earnings divided by the number of outstanding shares of common stock is a measurement of a company's performance referred to as:

Which of the following accounts is the most liquid?

You will receive greatest gain on your principal if interest is compounded

A labeling method that indicates the freshness, or shelf life, of a perishable product is:

What does HMO stand for?

Earning a degree at a four-year college is a ___________ goal for a high school sophomore.

What is the time value of money?

One example of non-taxable income is:

The sales tax is an example of which type of tax?

The first step for financial planning is:

___________ is not a commodity sold on the futures market.

The _______ is the legally established ownership of a home.

Because of an error in the pricing bar code, everyone who bought a pair of jeans at a nationwide clothing store last month was overcharged by three dollars. The legal action that would be most appropriate in this case would be:

The __________ endorsement on a paycheck is the safest for the consumer.

___________ can solve a sudden need for cash with a pre-established amount amount that can be borrowed on demand with no collateral.

Retirement planning should ideally begin_________.

The practice of pressuring consumers to buy a more expensive product than what they had intended is called:

A type of financial fraud in which people pay to join an organization in exchange for the right to sell memberships to others is called a :

On-the-job training is an example of:

If an hourly worker makes $15 per hour and earns time and a half for overtime, who much is the per hour pay for overtime if the employee works 40 regular hours and 6 overtime hours?

Taxable income is used to compute:

The purpose of is Form W-4 is to _____________.

When preparing a budget, you need to focus mostly on your:

A person's ______ is a measure of the amount of money coming in versus the amount going out.

Which one of the following would be a monthly fixed expense for budgeting purposes?

A budget that shows a surplus means that ______.

The time value of money refers to:

Setting funds aside for long-term goals is _________.

Stocks in young, often small corporations that have higher overall risk than stocks of successful, long-established companies are called:

The total interest earned on $100 for three years at % (compounded annually) would be roughly:

An increase in the value of a stock over time is called a(n)

You must file your tax return by this date every eyar.

Items purchased on the spur of the moment is referred to as _______.

Which one of the following would be a reliable research tool for purchasing a dishwasher?

This form of insurance provides protection against losses from injury to people or property resulting from the products, services, or actions of a business?

A general rise in the level of prices for goods and services over time is referred to as ___________.

Which one of the following will likely result in lower insurance costs?

A(n) _______ should be asked for by your bank if a check is lost or stolen.

Which one of the following are checks for which you pay in advance and if they are lost or stolen, the company from whom you brought these checks will replace them?

Whether you have the financial ability to repay your debt goes toward determining this "C" of credit:

Excercising good credit management means:

The 25 day time period in which new credit card purchases can be paid off when there is no previous balance, without being charged interest is the _________.

The agencies who provide free credit reports for consumers are:

Chapter 7 bankruptcy relieves an individual from debts arising from __________.

The unpaid portion of a loan is called:

What does APR stand for in the context of loans and credit cards?

What is the purpose of a budget?

Which of the following is considered a fixed expense?

What is the term for a loan that is backed by collateral?

Which type of investment typically offers the highest potential return?

What is the purpose of insurance?

Which of the following is a benefit of a Roth IRA?

What is the recommended percentage of income to save for emergencies?

Which of the following is a disadvantage of using a debit card?

What is the primary function of a credit score?

What is the term for the interest rate charged on credit card balances?

Which of the following is a characteristic of a bear market?

What is the rule of 72 used for in personal finance?

Which of the following is a tax-deductible expense?

What is the purpose of a 401(k) plan?

What is the term for the process of spreading investments across different asset classes to reduce risk?

Which of the following is a disadvantage of renting a home?

What is the minimum down payment typically required for a conventional mortgage?

Which type of insurance typically covers damage to your vehicle in a car accident?

What is the term for the increase in the cost of goods and services over time?

The due date for filing personal income taxes every year is _____.

Expenses that increase or decrease from month to month are called _____.

 A form an employer must provide employees each year for income tax purposes is called a _____.

A “good” score on a credit report is around ___.

Which of the following is a fixed expense?

A company that tracks down delinquent debt in exchange for a commission is called a _____.

A check is written to Sonya Perry.  On the back of the check, Sonya writes, “For Deposit Only,”  then signs her name.  What kind of endorsement is this?

Hours Worked  ×  Rate =

Scholarships, work-study, grants, and student loans are examples of _____.

A plastic card directly linked to a checking account and used to make purchases is a _____.

A monthly report sent to an account holder by the bank, showing a transaction history and bank balances for the month is called a _____.

When the stock market is trending upward or gaining value over a period of time, it is referred to as a _____.

Credit cards fall into the credit category of _____.

APR stands for _____.

A bounced check is a common term used when checks are written and there are _____.

Copies of Form W-2 must be provided to employees by their employer for the previous tax year no later than _____.

The form you must fill out when being hired for a job that determines the amount of withholdings your employer will take from your gross pay is the _____.

A professional who can suggest a comprehensive, individualized action plan to help you reach your financial goals is called a ___

Assets – liabilities =

Which of the following is not a main credit bureau for rating your credit score?

 A technique involving simply copying your credit card or debit card numbers from your cards is an identity thief’s tactic called _____.

The following are ways to protect against identity theft except _____.

Credit reports are issued by _____.

Checking accounts protected by the FDIC are protected from loss for up to _____

Getting information from a person online by asking her to complete a survey or provide certain information to win a free vacation or product is called _____.

The phrase “pay yourself first,” refers to the idea of _____.

How can you determine if you have reconciled your bank account?

Harold writes a check to the power company for $203.22.  He should record this amount in his check register in the _____.

With _______, the bank deducts payments from your account and transfers them to the appropriate companies.

Retirement planning should ideally begin_________.

A person's ______ is a measure of the amount of money coming in versus the amount going out.

A budget that shows a surplus means that ______.

A general rise in the level of prices for goods and services over time is referred to as ___________.

What are expenses that are essential to live and function?

What is interest paid on interest previously earned?