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Score
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15
×
Which budgeting method allocates income into specific categories like needs, wants, and savings?
zero-based budgeting
50/30/20 rule
envelope system
line-item budgeting
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15
×
What is a common warning sign of identity theft?
Unexplained withdrawals from bank accounts
Receiving regular credit card sttements
Annual credit reports
Monthly utility bills
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eraser
Reset score!
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shark
Other team loses 25 points!
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×
shark
Other team loses 25 points!
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banana
Go to last place!
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thief
Give points!
5
10
15
20
25
×
shark
Other team loses 5 points!
Okay!
×
gift
Win 20 points!
Okay!
×
thief
Give points!
5
10
15
20
25
15
×
What is an effective method to monitor for identity theft?
Checking credit reports regularly
Using simple passwords
Sharing personal information online
Avoiding online banking
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15
×
What effect do rising interest rates have on savings accounts?
Decreased account security
Lower return on savings
No effect on savings
Higher return on savings
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15
×
When creating a budget, what should be prioritized first?
Investment opportunities
Luxury items
Essential living expenses
Entertainment expenses
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15
×
How do higher interest rates affect the housing market?
Lowers monthly mortgage payments
Increases home affordibility
Accelerates home construction
Reduces the number of qualified buyers
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15
×
Which factor most directly affects the interest rate offered on a personal loan?
Education level
Credit score
Age of applicant
Employment history
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15
×
How do higher interest rates affect mortgage decisions?
Increases the total cost of homeownership
Makes monthly payments lower
Reduces down payment requirements
Eliminates closing costs
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trap
No points!
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×
gift
Win 25 points!
Okay!
×
shark
Other team loses 20 points!
Okay!
×
banana
Go to last place!
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15
×
What action should you take if you discover unauthorized charges on your credit card?
Wait for the next statement
Contact the credit card issuer immediately
Pay the charges and dispute later
Close all credit accounts
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15
×
What is a key benefit of disability insurance?
It replaces lost income during inability to work
It pays for property damage
It provides investment returns
It covers routine medical check-ups
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15
×
What effect does a lower credit score typically have on loan applications?
Lower down payment requirements
Higher interest rates
Faster approval process
Better loan terms
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15
×
How can consumers best protect against identity theft online?
Using public Wi-Fi networks
Using strong, unique passwords
Sharing passwords with trusted friends
Clicking on email attachments
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15
×
What is a responsible approach to credit card use?
Paying the full balance monthly
Having multiple cards with high limits
Making minimum payments only
Transferring balances frequently
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