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NGPF Diagnostic Exam
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If you have extra money at the end of the month you should...
 
put it toward and credit card debt you have
 
spend it
Comparing the price, reviews, and other factors for the same product offered by different retailers
 
comparison shopping
 
buyers' remorse
Using online and mobile banking allows you to check your balances before making a purchase and transfer money electronically
 
True
 
False
What is one way to protect yourself from identity theft?
 
check your bank statement each month
 
use websites that start with http instead of https
 
throw expired credit cards in the trash without shredding
What is the first step to make sure you pay the right amount of taxes when your get a job?
 
complete a W-4
 
complete a 1040
 
buy Turbo Tax
Why is your take home pay less than the rate you are offered when you are hired?
 
taxes, social security, and medicare are deducted
 
most employers charge a payroll fee
 
businesses often pay high schoolers less than minimum wage
Which document lists a person's education, work experience, and skills?
 
resume
 
cover letter
 
job application
 
reference letter
Savings accounts are less risky than investing
 
True
 
False
Which of the follwing is TRUE about car insurance.
 
If you cause an accident, insurance will cover medical bills
 
If you are speeding, you will not get points
 
If you pay each month, you will never pay repair bills
A Target Date Fund (TDF) will automatically adjust your assets for you over time as you get closer to retirement.
 
True
 
False
When paying for college, the first option you should consider is...
 
A grant or scholarship, because you don't repay them
 
A private loan
 
A federal student loan
Which of the following will result in your paying the LARGEST amount of interest?
 
Making the minimum payment each month
 
Paying off your balance every month
 
Paying 20% of your credit card balance each month
When picking a financial product (loan, bank, etc), which advice is LEAST valuable?
 
Just choose the option your parents use
 
Do research to learn about your options
 
Read the fine print of any disclosures
Which of the following can be found in your credit report?
 
Your credit payment history
 
Your checking and saving account balances
 
A list of items you've purchased using credit
How much money will you have if you put $1000 in a CD earning 2% annual compound interest for 10 years?
 
Slightly more than $1200
 
$2000
 
The same $1000 you started with
In order to qualify for financial aid, college students must submit their...
 
FAFSA
 
SAT score
 
Parent's credit score
With renters insurance, you pay monthly premiums and then file a claim to cover losses if something goes wrong
 
True
 
False
How can you get money from your checking account?
 
use your debit card at a store or ATM
 
buy a prepaid card using cash
 
take money from the ATM using your credit card
All of the following are benefits of taking out a loan with a cosigner EXCEPT...
 
There are no penalties for late payments
 
Your interest rate might be lower
 
You gain access to loans you may not have been approved for
What amount is found when you subtract grants and scholarships from the cost of college?
 
Net price
 
sticker price
 
room and board
Which of the following is a recommended way to follow up after a job interview?
 
sending a personalized thank you letter or email
 
buying the interviewer a gift
 
sending the interviewer a friend request on social media
Which would you use when creating a budget-your NET PAY or GROSS PAY?
 
Net Pay
 
Gross Pay
Interest Rate is how much the lender charges per year for the loan, the Principal is the initial amount someone borrows.
 
TRUE
 
FALSE


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