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College and Career Project

Total questions: 100

Worksheet time: 5hrs 0mins

Name
Class
Date
1.
Which of the following is listed on your credit report?
a)
Traffic Violations
b)
Amount of cash in your bank account
c)
Hourly wage
d)
Full name, social security, date of birth, current address
2.
If you have bad credit, it maybe ...
a)
harder to obtain a mortgage loan
b)
ok
c)
likely for you to get a better paying job
d)
easier to get a credit card
3.
5.68 in a fraction 
a)
1/900
b)
568/100
c)
400/68
d)
100/8000
4.
8x8x2
a)
126
b)
128
c)
133
d)
122
5.
543-397
a)
145
b)
147
c)
146
d)
199
6.
750-96
a)
689
b)
650
c)
654
d)
721
7.
35 ÷ 7
a)
10
b)
5
c)
4
d)
7
8.
9 x 3
a)
24
b)
25
c)
27
d)
72
9.
Tom went to the store and bought chairs. Each chair cost 5 dollars. How much money did Tom spend for the 4 chairs he bought?
a)
$20
b)
$1
c)
$15
d)
$10
10.

What is 345+435

a)

880

b)

780

c)

785

d)

770

11.
At Donald's Donuts the number of donut holes in a bag can vary. Help Donald find the mode.
12,10,10,10,13,12,11,13,10
a)
13
b)
11
c)
12
d)
10
12.
What is the mode?
a)
the number that comes up the most
b)
the average
c)
subtracting the biggest number from the smallest
d)
the middle number
13.
What is the mean?
a)
the number that comes up the most
b)
the average
c)
subtracting the biggest number from the smallest
d)
the middle number
14.
A data set can have more than one median?
a)
True
b)
False
15.

What is the mean of 12, 14, 2, 9, 2, 66, 12, 10

a)

12

b)

14.908

c)

13.78191827

d)

15.875

e)

222.16

16.

Anna Would like to purchase a new mountain bike that costs $600. She only has $300 in her checking account now. Which of the following statements is true?

a)

She can use her debit card to pay for the bike and pay off the debit card over time.

b)

She can save up the remainder of the balance and then pay with a credit card.

c)

She can use her debit card to pay for th bike directly from her back account.

d)

She can use her credit card to buy the bike now and pay it off over a period of time.

17.

Kane is comparing two different regional banks. Which of the following statements is true?

-First Texas Bank charges a $7 monthly fee

-Republic of Texas Bank charges 1% of the checking account balance

a)

First Texas Bank will always be the best value.

b)

Republic of Texas Bank will always be the best value.

c)

If Kane typically has more than $700 in his checking account, then First Texas Bank is the best value.

d)

If Kane typically has less than $700 in his checking account, then First Texas Bank is the best value.

18.

A vocational school offers different types of mechanics. Over a 20-year career, how much more will the aircraft mechanic make than the automotive mechanic?

Aircraft Mechanic: $60,270

Automotive Mechanic: $38,470

Machinery Mechanic: $49,100

a)

$654,000

b)

$436,000

c)

$21,800

d)

$545,000

19.

Which of the following situations does not describe the use of a credit card?

a)

may earn rewards

b)

can be used to build a positive credit history

c)

allows for unlimited purchases

d)

purchases may be subject to interest charges

20.

Using the check register below, determine the amount spent on groceries on May 4th.

4 lines
21.

Two different bank are advertising their checking accounts. Which of the following is a better choice if the Jackson family averages about $2,200 in their checking account?

a)

Bank of Texas

b)

Main Street Bank

c)

They are equally good choices.

22.

The average salaries of three different positions are shown in the table. Based on the information, how much more will the physician earn than the paralegal over a 15-year career?

a)

$68,660

b)

$432, 400

c)

$864,200

d)

$1,029,900

23.

Based on the table, how much did it cost this family to attend the museum?

4 lines
24.

Which of the following would not be found on a consumer's credit report?

a)

Mortgage loan

b)

Checking account balance

c)

A student loan

d)

How long the consumer has had the credit card

25.

Sandra is planning to attend a state university and qualifies for financial aid. Which of the sets below can Sandra apply for solely based on her financial need?

a)

scholarship, grant, student loan

b)

work-study, student loan, grant

c)

grant, work-study

d)

student loan, work-study

26.

Mr. Irons is planning to take out a loan to buy a car. At the car dealership he must sign a statement giving permission to check his credit report. Which statement best describes why the car dealership wants to check his credit?

a)

To determine if Mr. Irons is a safe driver

b)

To decide how much money Mr. Irons earns

c)

To determine if Mr. Irons can afford the car

d)

To determine the likelihood of Mr. Irons paying back the loan on the car.

27.

Mr. Hernandez is searching for a new checking account. He compares the fees associated with two different banks in his town. Which of the following statements best supports the information?

a)

Mr.Hernandez should choose Star Bank because it has no fees.

b)

Mr. Hernandez should choose First Bank because the fees are the same.

c)

Mr. Hernandez should choose Star Bank if he normally has $800 in his bank account

d)

Mr. Hernandez should choose First Bank because the fee is just $10.

28.

Joley is opening her first checking account as a teenager. She doesn’t have a job, so most of the income will be presents from birthdays and holidays. Bank A has an $8 monthly charge. Bank B charges 1% of the balance. Which account balance below will result in bank A being a better financial choice?

a)

$750

b)

$850

c)

$650

d)

$550

29.

Mrs. Wright has organized the features of a credit and a debit card into a table below. Which description is the best representation for the missing detail?

a)

purchases are unlimited in funds

b)

purchases are charged a fee at the time of transaction

c)

purchases must in a one-time payment

d)

purchases are subject to a credit limit

30.

The average salaries of three different industries are shown below. Based on the information, how much more will someone in the technology industry make than someone in the financial industry over a period of 10 years?

a)

$19,118

b)

$405,900

c)

$191,180

d)

$214,720

31.

At a career fair various positions were being advertised with their average annual salary. Over a 30 year career, how much more will the electrical engineer make than the electrician?

a)

$1,302,000

b)

$1,582,800

c)

$282,300

d)

$638,450

32.

Based on the transactions, what was the balance in Marty’s account after he paid the veterinarian on 4/12?

a)

$780

b)

$690

c)

$340

d)

$430

33.

Marty forgot to record his paycheck on 4/16. If the balance is $820.00, then how much did he deposit for his paycheck?

a)

$480

b)

$1,160

c)

$1,380

d)

$260

34.

Mrs. Allen took home $1,245 after taxes. What is this considered?

a)

net income

b)

gross income

c)

deposits

d)

income tax

35.

Before taxes and deductions, Mrs. Allen's pay was $1,600. This is considered her -

a)

net income

b)

gross income

c)

deposits

d)

income tax

36.

Mrs. Fanning bought a science kit at the store for $10. At the register, she was charged $10.85. The different between the price and what Mrs. Fanning paid is considered -

a)

income tax

b)

credit

c)

sales tax

d)

property tax

37.

Ms. Calandra went to the movies with her friend, Mrs. Fanning. She bought the tickets which totaled $16.50. Mrs. Calandra used her bank card to pay that money directly to the theater. The money was _______________ from her account.

a)

debited

b)

credited

c)

deposited

d)

taxed

38.

Mrs. Fanning wanted to buy a new refrigerator. A store would give her the money to buy the refrigerator, but she would need to pay the money back. This is called a -

a)

credit

b)

deposit

c)

withdrawal

d)

debit

39.

Ms. Guillory sold some of her son's old toys and earned $56. She went to the bank and added the money to her account. She made a _________________ to her account.

a)

deposit

b)

withdrawal

c)

debit

d)

deduction

40.

Ms. Calandra was going on a vacation. She took some money out of her account to pay for her trip. She made a _______________ from her bank account.

a)

deposit

b)

withdrawal

c)

debit

d)

deduction

41.

Mrs. Fanning was able to pay all of her bills with the money she was earning. This means she had a -

a)

balanced budget

b)

net income

c)

gross income

d)

property bill

42.

Mrs. Allen had to pay the government $234 from her paycheck. She paid -

a)

income tax

b)

sales tax

c)

payroll tax

d)

property tax

43.

Before Mrs. Allen received her paycheck fees were taken from her check for medicare, insurance, and social security. These are ___________________ from her paycheck.

a)

deductions

b)

taxes

c)

withdrawals

d)

debits

44.

La Porte Independent School district had to pay fees to the government before pay Mrs. Allen. These fees are considered -

a)

income tax

b)

payroll tax

c)

deductions

d)

debits

45.
James's initial balance in his checking account was $800.  He withdrew $200 and then deposited $164.  James made another transaction that brings his balance to $750.  What was the transaction?
a)
a deposit $314
b)
a withdrawal of $14
c)
a withdrawal of $414
d)
a deposit of $50
46.
What is a similarity between debit and credit cards?
a)
Both are small and made of plastic.
b)
Both require you to use a PIN #
c)
Both are paid when the bill arrives.
d)
Both charge interest fees on unpaid balances.
47.
Determine the final balance of the account below.  The opening balance was $143.54.
a)
$163.30
b)
$161.30
c)
$162.30
d)
$160.30
48.
Which of these options WILL NOT subtract money from an account?
a)
Check
b)
Withdrawal
c)
Transfer
d)
Deposit
49.
Using a credit card will take money out of your checking account.
a)
True
b)
False
50.
What is a debit card?
a)
it's like a check but comes out of your account automaically  
b)
It's more convient than a check
c)
Your use your PIN number to make purchases 
d)
all of the above 
51.
What is a deposit?
a)
Money put into an account.
b)
Money invested in the stock market.
c)
Money taken out of an account.
52.
Money taken out of your checking account.
a)
withdrawal
b)
stop payment
c)
endorsement
d)
outstanding
53.
A debit card allows you to make purchases and pay the money back at a later date
a)
True
b)
False
54.
What was the balance of the account at the end of the day on 7/24?
a)
4720.33
b)
4320.03
c)
5091.15
d)
4500.75
55.

On which day was the balance the highest?

a)

7/7

b)

7/15

c)

7/19

d)

7/20

56.

What happened on 7/5?

a)

a paycheck was deposited

b)

check #164 was written

c)

nothing

d)

the balance went up

57.

What is the balance on 6/25?

a)

1177.80

b)

1000.00

c)

1157.80

d)

320.55

58.
What does it mean to make a withdrawal?
a)
Find the amount of money in the account
b)
Add money to the account
c)
Subtract money from the account
d)
Write a check
59.
The bank issued card that deducts money directly from the checking account is
a)
debit card
b)
credit card
c)
savings account
d)
money market
60.
Noah keeps track of his checking account balance by writing down all his purchases and deposits. The list below shows his transactions for a week.
- June 3rd, used debit card at coffee shop, $5.85
- June 4th, deposit of $20.00
- June 6th, used debit card for movie tickets, $9.75
- June 6th, used debit card for popcorn and snacks, $10.50
- June 8th, deposit, $115.34
What is the difference between the amount of money Noah spent and the amount of money Noah deposited?
a)
$109.24
b)
$203.34
c)
$150.24
d)
$254.05
61.
The list below shows odd jobs that Michael has completed and the amount of money he earned for each job.
- Yard work         $25.00
- Babysitting       $33.50
- Grade money    $20.00
- house cleaning  $65.00
How much more money does Michael need to earn in order to make at least $300.00 if he spent $16.75 at the movies and $55.20 on a new game?
a)
$71.55
b)
$240.60
c)
$228.45
d)
$143.50
62.
Tripp kept track of his spending for a week in the check register presented.

What is Tripp's ending balance on November 16th?
a)
$393.15
b)
$300.65
c)
$233.16
d)
$134.45
63.
(6.14B) Julio paid $35.92 for gasoline with his debit card. Which of the following is an accurate description of Julio's transaction?
a)
Julio's payment will affect his credit rating.
b)
Julio might be charged interest for his purchase.
c)
Julio's linked account will immediately have #35.92 removed.
d)
Julio will make payment for his purchase when he receives his monthly statement.
64.
Determine the final balance of the account below.  The opening balance was $143.54.
a)
$163.30
b)
$161.30
c)
$162.30
d)
$160.30
65.
Credit cards, when used responsibly, can provide benefits for its consumers. Which statement below describes a benefit for a consumer using a credit card?
a)
A credit card company will allow you to buy now and pay back your debt when you are ready.
b)
A credit card doesn't cost you any more money than using a debit card as long as you make regular payments.
c)
Using a credit card responsibly and paying the balance off each month can help improve your credit score.
d)
People that use credit cards become wealthy more quickly.
66.
Sunshine Bank offers free checking, a savings account for $5.00 per month, free online banking, and an overdraft fee of $35.00 as well as a free debit card. Johnson Credit Union offers a checking account for $3.00 per month, a free savings account, and an overdraft fee of $25.00 as well as a free debit card. Which statement below does NOT accurately compare these two banking options?
a)
Sunshine Bank offers free checking as opposed to a $3.00 fee for checking charged by Johnson Credit Union.
b)
Both banks offer a free debit card and free online banking.
c)
Sunshine Bank charges $10.00 more for an overdraft fee.
d)
Johnson Credit Union and Sunshine Bank both charge a fee for a savings account.
67.
Mrs. Jenkins  has earned $2,241,400 during a 20-year period. What could be her average yearly salary and profession?
a)
Web Developer: average yearly salary $75,390.
b)
Pharmacist: average yearly salary $112,070.
c)
Manager: average yearly salary $53,500.
d)
Dermatologist: average yearly salary $184,600.
68.
Tripp kept track of his spending for a week in the check register presented.

What is Tripp's ending balance on November 16th?
a)
$393.15
b)
$300.65
c)
$233.16
d)
$134.45
69.
Which bank is better for me? I pay for lunch 20 times a month with my debit card. I do not write checks or use the ATM.
a)
State Bank
b)
Bank of Texas
70.
Benefits of credit cards include:
a)
safe and convenient, bonuses are offered
b)
allows you to build a positive credit report
c)
needed for reservations and online shopping
d)
all of these
71.
A credit card is better then a debit card because you can buy whatever you want with it?
a)
True
b)
False
72.
A big difference between credit and debit cards is
a)
Credit is a loan while debit is your money
b)
Credit can be used anywhere while debit cannot
c)
Credit cards look different than debit cards
d)
You must be 18 to have a credit card, but not a debit card
73.

A debit card charges interest

a)

true

b)

false

74.
Money is withdrawn directly from a checking or savings account. 
a)
Credit
b)
Debit
c)
Both
75.
Each purchase is a loan that is repaid later.
a)
Credit
b)
Debit
c)
Both
76.
Consumers can purchase items now and pay for them later
a)
Credit
b)
Debit
c)
Both
77.
Large fees may be charged if you spend more than what is in YOUR ACCOUNT.
a)
Credit
b)
Debit
78.
Convenient to use.
a)
Credit
b)
Debit
c)
Both
79.
A PIN (Personal Identification Number) is required to make a purchase.
a)
Credit
b)
Debit
c)
Both
80.
Interest may be charged, but can be avoided by paying the entire balance each month. 
a)
Credit
b)
Debit
c)
Both
81.
Eric purchased a movie ticket with his card. This money will come straight out of his checking account. What card did he use?
a)
Credit
b)
Debit
c)
Both
82.
Rosa’s gas pump went out as she was driving her car to work. Since she did not have enough money to cover the cost to replace the pump, she used a card that allowed her to pay later. What card did she use?
a)
Debit
b)
Credit
c)
Both
d)
Walk Home
83.
Mrs. Brady took her family out to eat. She handed the waitress a card to purchase the meal. This charge appeared on a bill that she paid three weeks later.
a)
Credit
b)
Debit
c)
Both
84.
To avoid carrying cash, Ned pays for his lunch using this card. Each time he uses this card his checking account decreases.
a)
Credit
b)
Debit
c)
Both
85.
Mr. Reyes's car broke down.  He needed $3,499 in repairs.  Which card will he most likely use?
a)
Credit
b)
Debit
86.
Which card most likely comes with extra perks (prizes)?
a)
Credit
b)
Debit
87.
Which card gets most students in trouble every year?  They spend and spend money they don't have!
a)
Credit
b)
Debit
88.
When do you need credit? 
a)
When you apply for a loan 
b)
When you apply for a credit card 
c)
When you apply for a house 
d)
All of the above 
89.
Transaction:Hannah paid her rent by writing a $400 check to her landlord.
a)
Deposit (+)
b)
Withdrawal (-)
90.
Transaction:Money is automatically transferred into Victor’s checking account for earnings from his job.
a)
Deposit (+)
b)
Withdrawal (-)
91.
Transaction:Arianna went shopping for some treats for her dog, Bruno, at Pet City.  When she checked out, she entered her personal identification number (PIN) at the register and paid with the debit card.
a)
Deposit (+)
b)
Withdrawal (-)
92.
Transaction:Carlos wanted cash to pay for the cost of a movie ticket and popcorn. He stopped at an ATM machine, entered a code and took cash out of the machine. the debit card.
a)
Deposit (+)
b)
Withdrawal (-)
93.
Transaction:Tanisha received two checks for her birthday.  She went to her bank, filled out a slip and gave the check to the bank teller.
a)
Deposit (+)
b)
Withdrawal (-)
94.
Transaction:Dwayne signed the back of his paycheck and filled out a slip with his account number. Then, he gave it to his mom to take to the bank.
a)
Deposit (+)
b)
Withdrawal (-)
95.
You had $1,222.00 in your account. You went to the bank and deposited $700.00.  Then you spent $76.00. How much do you have in your account?
a)
$519.00
b)
$1877.00
c)
$1846.00
d)
$5285.00
96.
You had $750.00 in your account and you spent $175.00 on new shoes. How much do you have left?
a)
$550.00
b)
$575.00
c)
$555.00
d)
$585.00
97.
You had $4,000.00 in your account. You deposited 3 checks into your account. The were each $750.00. How much is in your account?
a)
$5190.00
b)
$6000.00
c)
$6250.00
d)
$5285.00
98.
You had $2750.00 in your account. You got a paint job on your car. It costs $1250.00. How much do you have in your account?
a)
$1533.00
b)
$6000.00
c)
$6250.00
d)
$1500.00
99.
You had $3456.00 in your account. You had $550.00 in cash and a check for $900.00. You are going to deposit it all. How much do you have in your account now?
a)
$1533.00
b)
$5000.00
c)
$4888.00
d)
$4906.00
100.
You had $5,000.00 in your account. You bought 6 pairs of pants. Each of them cost $30.00. How much do you have in your account now?
a)
$4800.00
b)
$4820.00
c)
$4980.00
d)
$4887.00

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