Personal Finance Test #2

Pataasin ang iyong marka sa homework at exams ngayon gamit ang Quizwiz!

What does policy limits of 25/50/25 mean?

$25,000 for bodily injury for each person injured in an accident you caused ​$50,000 for all bodily injury (for all persons combined)​; and ​$25,000 for property damage (to the car or other property).

Fixed-rate mortgages offer a fixed rate of interest​ for: ​

15 or 30​ years, and are preferred by many homeowners because their payment is not tied to market interest rates.

How long does negative credit stay on the record for?

7 years

What is a formal written assessment of the​ home's physical condition conducted by a qualified professional?

A home inspection

Why is it important for you to have a home inspected before​ purchase? A. Home inspectors can inform you of costly repairs needed prior to buying the home. In some cases the buyer may opt to withdraw the​ offer, or reduce the offer in order to have funds to fix the problems. B. Home inspectors can inform you of costly repairs needed after buying the home. In some cases the buyer may opt to withdraw the​ offer, or reduce the offer in order to have funds to fix the problems. C. Home inspectors can inform you of costly repairs needed prior to buying the home. In some cases the seller may opt to withdraw the​ offer, or reduce the offer in order to have funds to fix the problems. D. Home inspectors can inform you of minor repairs needed prior to buying the home. In some cases the buyer may opt to increase the offer in order to have funds to fix the problems.

A. Home inspectors can inform you of costly repairs needed prior to buying the home. In some cases the buyer may opt to withdraw the​ offer, or reduce the offer in order to have funds to fix the problems.

A home equity loan​ is: A. a line of credit that allows the homeowner to borrow against the equity in their home. B. a line of credit that allows the homeowner to borrow against the full market value of their home. C. a line of credit that allows the homeowner to borrow only to make repairs in their home. D. a line of credit that allows the homeowner to borrow against the equity in their retirement savings.

A. a line of credit that allows the homeowner to borrow against the equity in their home.

A common range of interest rates on credit cards​ is: A. between 15 to​ 20%. B. between 3 to​ 20%. C. between 9.99 to​ 10.99%. D. less than​ 10%.

A. between 15 to​ 20%.

Prepaid cards​ are: ​ A. cards that can be purchased that are electronically loaded with a specific amount of cash. The cards can then be used just like a credit card until the balance is depleted. B. cards that can be purchased that are electronically loaded with a specific amount of cash. The cards can then be used just like a credit card until the​ card's expiration date. C. cards issued by your credit card company and are electronically loaded with a specific amount of cash. The cards can then be used to obtain money from any ATM until the balance is depleted. D. cards that can be purchased and are backed with funds deposited into a special account. The cards can then be used just like a credit card until the balance is depleted.

A. cards that can be purchased that are electronically loaded with a specific amount of cash. The cards can then be used just like a credit card until the balance is depleted.

A weak credit report can affect you​ because: A. credit history is reviewed to evaluate the amount of credit currently serviced and the timeliness of the past payments B. assets are reviewed to evaluate the amount of credit currently serviced and the timeliness of the past payments C. assets are reviewed to evaluate the trustworthiness of the borrower D. credit history is reviewed to determine if personal information is accurate

A. credit history is reviewed to evaluate the amount of credit currently serviced and the timeliness of the past payments

You consider the two financial components before buying a home so you​ can: A. focus on homes you can afford. B. minimize your monthly outlay. C. look for homes in the best condition. D. find a home in the neighborhood you want.

A. focus on homes you can afford.

The new EMV​ cards: A. have a computer chip that is used to authenticate transactions. The computer chip creates a unique identifier for each transaction and prevents identity thieves from being able to use your card information for other purchases. B. have a computer chip that is used to authenticate transactions. The computer chip creates a unique identifier for each transaction and allows identity thieves to be able to use your card information for other purchases. C. have a computer chip that is used to authenticate transactions. The computer chip creates report for each store you shop at and prevents identity thieves from being able to use your card information for other purchases. D. have a computer chip that is used to record transactions. The computer chip creates a unique report for each transaction and allows you to see if identity thieves are using your card information for other purchases.

A. have a computer chip that is used to authenticate transactions. The computer chip creates a unique identifier for each transaction and prevents identity thieves from being able to use your card information for other purchases.

From the personal cash flow​ statement, lenders can​ determine: A. if borrowers have sufficient cash flow to cover their loan payments. B. the​ borrower's assets, which may be used as collateral for the loan. C. the​ borrower's liabilities, which indicate their existing debt. D. the probability that the borrower will default on the loan.

A. if borrowers have sufficient cash flow to cover their loan payments.

If you fail to live up to your responsibilities as a​ cosigner,: A. it may restrict the amount you can borrow. B. the lender may seize the​ cosigner's assets but not the​ borrower's assets. C. it may increase your credit rating. D. the lender may seize the​ borrower's assets but not the​ cosigner's assets.

A. it may restrict the amount you can borrow.

Minimum limits of liability​ are: ​ A. not suitable for all drivers since they would not cover the liability in many accidents. B. recommended to most drivers. C. suitable for most drivers since they would cover most of the liability in many accidents. D. suitable for all drivers since they would cover the liability in many accidents.

A. not suitable for all drivers since they would not cover the liability in many accidents.

Utilities extend credit​ by: A. providing a service and billing at the end of the period. B. accepting credit cards. C. helping borrowers negotiate with financial institutions. D. lending money to customers upon application and review of application.

A. providing a service and billing at the end of the period.

The first step in risk management is​ to: A. recognize the risks to which you are exposed. B. decide whether to protect against risk. C. identify who to buy insurance from. D. select the type of insurance you need.

A. recognize the risks to which you are exposed.

Escrow accounts​ are: ​ A. set up to collect the property taxes and insurance and remit those payments in a timely manner. Many mortgages require escrow payments to ensure the borrower does not allow the insurance to lapse or taxes to become delinquent. B. set up to collect the private mortgage insurance and remit those payments in a timely manner. Many mortgages require escrow payments to ensure the borrower does not allow the insurance to lapse. C. set up to collect the property taxes and insurance and remit those payments in a timely manner. Many mortgages require escrow payments to ensure the lender does not allow the insurance to lapse or taxes to become delinquent. D. set up to collect the property taxes and remit those payments in a timely manner. Many mortgages require escrow payments to ensure the borrower does not allow the taxes to become delinquent. The responsibility of remitting the insurance payments belongs to the borrower.

A. set up to collect the property taxes and insurance and remit those payments in a timely manner. Many mortgages require escrow payments to ensure the borrower does not allow the insurance to lapse or taxes to become delinquent.

The financial criteria that is the least important​ is: ​ A. the minimum advertised price. B. the price is within your budget. C. insurance cost. D. repair expenses.

A. the minimum advertised price.

Liability​ is: A. the responsibility for damages. B. an avoidable expense of owning an asset. C. the benefit of collecting on an insurance policy. D. the result of collecting on an insurance policy.

A. the responsibility for damages.

One advantage of using a credit card is​ that: A. they provide free financing until the statement arrives. B. there are usually not annual fees. C. they can allow you to spend beyond your means. D. the interest rates are high if you do not pay off the balance when due.

A. they provide free financing until the statement arrives.

Identity theft occurs when any​ individual: A. uses your personal identifying information for personal gain without your permission. B. seeks your personal identifying information without your permission. C. uses your name as their own. D. impersonates you.

A. uses your personal identifying information for personal gain without your permission.

When determining affordable monthly mortgage​ payments, you should​ consider: ​ A. your monthly cash inflows and outflows. B. the value of your savings account. C. your family size. D. the market value of your assets.

A. your monthly cash inflows and outflows.

Who should consider purchasing​ renter's insurance? A. Only renters without a lease should purchase​ renter's insurance. B. All renters should purchase​ renter's insurance, if only for the liability protection. C. All renters should purchase​ renter's insurance, if only for the burglary protection. D. Only renters with a lease should purchase​ renter's insurance.

B. All renters should purchase​ renter's insurance, if only for the liability protection.

How does it differ from a secured credit​ card? A. Prepaid cards are ATM cards and are not credit per se. B. Prepaid cards are a form of electronic cash and are not credit per se. C. Prepaid cards are a form of electronic cash and are accepted in more places than credit cards. D. Prepaid cards are a form of electronic cash and are backed with funds deposited into a special account.

B. Prepaid cards are a form of electronic cash and are not credit per se.

Why is paying your credit card balance in full so​ important? A. Your ability to borrow will improve. B. You can avoid interest charges. C. Your assets will not be seized. D. Your monthly minimum payment will not change.

B. You can avoid interest charges.

In the loan application​ process, the information the borrowers must supply to the lenders​ is: ​ A. a personal balance sheet and a resume. B. a personal balance sheet and a personal cash flow statement. C. only a personal cash flow statement. D. a personal cash flow statement and last​ year's tax return.

B. a personal balance sheet and a personal cash flow statement.

Sources of personal loans​ include: A. commercial​ banks, savings​ institutions, and realtors. B. commercial​ banks, savings​ institutions, finance​ companies, and credit unions. C. credit​ unions, finance​ companies, and investment banks. D. commercial​ banks, investment​ banks, and finance companies.

B. commercial​ banks, savings​ institutions, finance​ companies, and credit unions.

Homeowner's insurance: A. can be purchased from most insurance providers but renter's insurance cannot. B. covers your home and its contents, which are not covered by renter's insurance C. is required by law but renter's insurance is not. D. covers your home and its contents which are also covered by renter's insurance

B. covers your home and its contents, which are not covered by renter's insurance

Refinancing a​ mortgage: ​ A. is always a good idea if the bank will allow it. B. entails paying off an old mortgage with a new mortgage that has a lower interest rate C. can only be done if the terms of your mortgage allow this. D. is generally done when interest rates rise substantially above your current mortgage rate

B. entails paying off an old mortgage with a new mortgage that has a lower interest rate

Risk​ is: ​ A. the acceptance of a financial loss. B. exposure to events that can cause a financial loss. C. the avoidance of a financial loss. D. the value of a financial loss.

B. exposure to events that can cause a financial loss.

Private mortgage insurance​ (PMI): ​ A. protects the lender in the event the borrower defaults on the loan. Most lenders require PMI if your down payment is less than​ 50% of the mortgage value. B. protects the lender in the event the borrower defaults on the loan. Most lenders require PMI if your down payment is less than​ 20% of the mortgage value. C. protects the borrower in the event the lender defaults on the loan. Most borrowers require PMI if your down payment is less than​ 20% of the mortgage value. D. protects the lender in the event the borrower defaults on the loan. Most lenders require PMI if your mortgage value is less than​ 20% of the down payment.

B. protects the lender in the event the borrower defaults on the loan. Most lenders require PMI if your down payment is less than​ 20% of the mortgage value.

One step you could take to reduce your​ homeowner's insurance premium​ is: ​ A. buy new appliances B. shop around for insurance C. install a sound system D. decrease your deductible

B. shop around for insurance

If you cosign a​ loan,: ​ A. you qualify for additional larger loans from the bank. B. you can be required to pay the balance of the loan not repaid by the borrower. C. none of your assets can be taken if the borrower defaults on any of their loans. D. you have to pay​ 50% of the monthly loan payments.

B. you can be required to pay the balance of the loan not repaid by the borrower.

This can help you establish a credit history​ because: A. this type of credit is the most reliable. B. ​short-term credit builds a good credit rating for the consumer when payments are made timely. C. this practice has extended to other industries. D. ​long-term credit builds a good credit rating for the consumer when payments are made early.

B. ​short-term credit builds a good credit rating for the consumer when payments are made timely.

Insurance agentsagents​: A. are locally regulated. B. may represent one insurance company C. set premiums that are aligned with anticipated payouts D. provide a function similar to insurance underwriters

B. may represent one insurance company

A real estate broker can help you​ by: ​ A. finding the best mortgage. B. offering suggestions on homes that satisfy your preferences. C. finding a contractor to do repair work. D. doing a home inspection.

B. offering suggestions on homes that satisfy your preferences.

The decision to refinance depends on a comparison of​ the: A. payment of the existing mortgage and the closing cost that would be incurred. B. savings from the new interest rates and the closing cost that would be incurred. C. savings from the new interest rates and the payment of the existing mortgage. D. terms of the old mortgage and the new mortgage.

B. savings from the new interest rates and the closing cost that would be incurred.

The three credit bureaus score your credit rating based​ on: ​ A. LIFO for credit​ scoring, which is based on the size of the loan you are trying to get. B. LIFO for credit​ scoring, which is based on payment history and levels of debt. C. FICO for credit​ scoring, which is based on payment history and levels of debt. D. FICO for credit​ scoring, which is based on the size of the loan you are trying to get.

C. FICO for credit​ scoring, which is based on payment history and levels of debt.

What is the biggest disadvantage of a proprietary​ card? A. This type of card may only be used domestically. B. The APR increases every year. C. It is limited in use to certain establishments. D. The monthly balance may not be partially paid off.

C. It is limited in use to certain establishments.

How does PMI impact the cost of your​ mortgage? A. PMI is typically an annual fee of​ 0.5% to​ 1% of the amount borrowed and is paid on an annual basis. In some cases an upfront fee is also charged for PMI. B. PMI is typically an annual fee of​ 5% to​ 10% of the amount borrowed and is paid on a monthly basis. In some cases an upfront fee is also charged for PMI. C. PMI is typically an annual fee of​ 0.5% to​ 1% of the amount borrowed and is paid on a monthly basis. In some cases an upfront fee is also charged for PMI. D. PMI is typically an monthly fee of​ 0.5% to​ 1% of the amount borrowed and is paid on a monthly basis. In some cases an upfront fee is also charged for PMI.

C. PMI is typically an annual fee of​ 0.5% to​ 1% of the amount borrowed and is paid on a monthly basis. In some cases an upfront fee is also charged for PMI.

What is a disadvantage of using​ credit? ​(Select the best answer​ below.) A. The use of credit may ultimately result in long dash term liquidity B. It helps build a good credit scoreIt helps build a good credit score. C. The use of credit enables borrowers to buy on impulse D. The use of credit enables borrowers to buy more financial products

C. The use of credit enables borrowers to buy on impulse

Your credit history​ is: ​ A. a record of how you have used credit in the past. It will contain information on any loans you will need in the future and whether you made timely payments in the past. B. a record of how you have used credit in the past. It will contain information on any loans you have obtained and whether you will make timely payments in the future. C. a record of how you have used credit in the past. It will contain information on any loans you have obtained and whether you made timely payments. D. a record of how you will use credit in the future. It will contain information on any loans you have obtained and whether you made timely payments.

C. a record of how you have used credit in the past. It will contain information on any loans you have obtained and whether you made timely payments.

A home inventory is a listing​ of: A. the contractors that participated in constructing the structure. B. the characteristics of the structure of the home including the types of doors and windows. C. all your personal assets and estimates of the market value of each of them. D. your personal assets and the characteristics of the structure of the home.

C. all your personal assets and estimates of the market value of each of them.

Loan agreements with family and friends​ should: ​ A. be signed by a​ third-party bank. B. be verbally agreed upon. C. be in writing and signed by all parties. D. never take place.

C. be in writing and signed by all parties.

Some typical incentives for credit cards offered​ are: A. cash​ back, airline​ miles, or discounts on car insurance. Other cards donate money to a favorite charity. B. free​ vacations, airline​ miles, or discounts on goods and services. Other cards donate money to a favorite charity. C. cash​ back, airline​ miles, or discounts on goods and services. Other cards donate money to a favorite charity. D. cash​ back, airline​ miles, or discounts on goods and services. Other cards offer to let you skip a payment without any penalty.

C. cash​ back, airline​ miles, or discounts on goods and services. Other cards donate money to a favorite charity.

The first step in buying a home is​ to: ​ A.consult with a banker to identify the type of mortgage you want. B.determine the layout that you want so you can narrow your search. C.compare existing homes for sale in your area so you can compare the cost of buying to the cost of renting. D. decide on a neighborhood that you want to buy in so you can narrow your search.

C. compare existing homes for sale in your area so you can compare the cost of buying to the cost of renting.

Credit card interest rates tend to​ be: ​ A. equal to rates on other debt. B. lower than rates on other debt. C. higher than rates on other debt. D. within​ 3% of rates on other debt.

C. higher than rates on other debt.

Car salespeople will set the initial car​ price: A. lower than the maximum suggested retail price. B. close to their expected sales price. C. higher than their expected sales price. D. equal to the minimum advertised price.

C. higher than their expected sales price.

A disadvantage of defering student loans​ is: A. in most cases interest continues to accrue during the deferment period so the total value owed increases. Long periods of deferment can cause you to need to declare bankruptcy. B. in most cases interest does not continue to accrue during the deferment period so the total value owed decreases. Long periods of deferment can substantially decrease the amount owed. C.in most cases interest continues to accrue during the deferment period so the total value owed increases. Long periods of deferment can substantially increase the amount owed. D.in most cases interest continues to accrue during the deferment​ period, but at a lower interest rate. Long periods of deferment can substantially decrease the amount owed.

C. in most cases interest continues to accrue during the deferment period so the total value owed increases. Long periods of deferment can substantially increase the amount owed.

Interest rates are​ usually: ​ A. variable on secured loans because the lender can not be sure when the loan will be repaid. B. higher on secured loans because the lender has more administrative costs. C. lower on secured loans because the lender has less to lose in the event the loan is not repaid. D. close to zero because the lender has less to lose in the event the loan is not repaid.

C. lower on secured loans because the lender has less to lose in the event the loan is not repaid.

A standard​ homeowner's insurance policy covers damage​ to: A. ​pets, up to​ one-half of any medical or other treatment costs. B. all assets including​ cars, up to​ one-half of the value of the personal assets. C. personal assets such as furniture and​ computers, up to​ one-half of the coverage of the dwelling. D. personal assets such as furniture and​ computers, up to​ one-half of the value of the personal assets.

C. personal assets such as furniture and​ computers, up to​ one-half of the coverage of the dwelling.

Homeowner's insurance provides insurance in the event of​ A. a car accident B. civil lawsuits C. property damage D. appliance repair

C. property damage

When determining an affordable down​ payment, you should​ consider: A. your monthly income. B. the terms of the mortgage. C. the market value of your assets. D. the expenses of owning a home.

C. the market value of your assets.

The main difference between a credit card like MasterCard or Visa and a retail​ (or proprietary) card is​ that: ​ A. cardholders​ don't have to sign receipts when proprietary cards are used. B. the merchant pays additional fees when retail cards are used. C. the merchant​ doesn't pay a percentage when retail cards are used. D. cardholders recieve more​ "rewards" when retail cards are used.

C. the merchant​ doesn't pay a percentage when retail cards are used.

The premiums paid by policyholders are​ priced: ​ A. according to the ability of the policyholder to pay. B. to reflect the economic conditions. C. to reflect the probability of a claim and the size of the claim. D. according to the characteristics of the policyholder.

C. to reflect the probability of a claim and the size of the claim.

A finance charge is applied to credit​ purchases: A. ​quarterly, based on purchase amounts. B. in the second month when the bill is not paid in full before the due date. C. when a bill is not paid in full before the due date. D. when a bill is paid before the billing cycle ends.

C. when a bill is not paid in full before the due date.

Homeowner's insurance premiums are normally paid on​ a: A. monthly basis or are included with your property tax payment. B. yearly basis or are included with your property tax payment. C. yearly basis or are included with your home mortgage payment. D. monthly basis or are included with your home mortgage payment.

C. yearly basis or are included with your home mortgage payment.

You might use a deferment on a student loan​ if: ​ A. you need to purcahse a car to get to your job. B. you have a temporary financial hardship such as gambling away all your savings. C. you have a temporary financial hardship such as job loss. D. you purchase a home and cannot afford the student loan payments.

C. you have a temporary financial hardship such as job loss.

What is the difference between captive agents and independent agents?

Captive agents work for one particular insurance​company, whereas independent agents​(insurance brokers) represent many different insurance companies.

You can improve your credit score​ by: A. becoming current with payments. B. making at least the minimum payments. C. reducing the debt load. D. All of the above.

D. All of the above.

You should consider insurance​ if: A. you do not wish to be exposed to a financial loss as a result of the risk. B. you cannot reduce the risk. C. you cannot avoid the risk. D. All of the above.

D. All of the above.

How does your credit history impact your ability to borrow​ money? A. Individuals with good credit histories can borrow money with some​ difficulty, but at more favorable interest rates. B. Individuals with good credit histories can borrow money easier and at less favorable interest rates. C. Individuals with poor credit histories can borrow money easier and at more favorable interest rates. D. Individuals with good credit histories can borrow money easier and at more favorable interest rates.

D. Individuals with good credit histories can borrow money easier and at more favorable interest rates.

Collateral​ includes: A. debts used to back a loan in the event that the borrower defaults. B. liabilities used to back a loan in the event that the borrower defaults. C. promises used to back a loan in the event that the borrower defaults. D. assets used to back a loan in the event that the borrower defaults.

D. assets used to back a loan in the event that the borrower defaults.

The responsibility of the insurance company that sells you a policy is​ to: ​ A. make sure you do not lose value in your portfolio. B. identify risk. C. evaluate risk. D. cover claims as described in the insurance policy.

D. cover claims as described in the insurance policy.

Escrow accounts help protect the​ lender: ​ A. from loss due to an insurance peril increasing the value of the home and pushing the borrower to default and also keeps the property from being seized for delinquent property taxes. B. from gaining money due to an insurance peril reducing the value of the home and pushing the borrower to default and also keeps the property from being seized for delinquent property taxes. C. from loss due to an insurance peril reducing the value of the home and pushing the borrower to default and also keeps the property from being seized for delinquent income taxes. D. from loss due to an insurance peril reducing the value of the home and pushing the borrower to default and also keeps the property from being seized for delinquent property taxes.

D. from loss due to an insurance peril reducing the value of the home and pushing the borrower to default and also keeps the property from being seized for delinquent property taxes.

Insurance allows you​ to: A. avoid liability. B. invest your financial assets for future earnings. C. increase your wealth. D. maintain your existing level of wealth if there are unexpected events.

D. maintain your existing level of wealth if there are unexpected events.

The three major credit​ bureaus: A. may produce a different score because they calculate it differently. B. will always produce the same score. C. check with each other to see that they have the same information. D. may produce a different score because the information each bureau receives on the credit applicant may vary.

D. may produce a different score because the information each bureau receives on the credit applicant may vary.

Credit cards generate revenue by charging​ the: ​ A. cardholders 4 to​ 7% of the payment. B. cardholders 1 to​ 3% of the payment. C. merchants 6 to​ 8% of the payment. D. merchants 2 to​ 4% of the payment.

D. merchants 2 to​ 4% of the payment.

A disadvantage to using a credit card is​ that: A. not all credit card companies offer free classes to assist in personal financial planning. B. they will always decrease your credit rating. C. they provide free financing until the statement arrives. D. the interest rates are high if you do not pay off the balance when due.

D. the interest rates are high if you do not pay off the balance when due.

The most important financial criteria that should be considered when buying a car​ is: A. repair expenses. B. insurance cost. C. the minimum advertised price. D. the price is within your budget.

D. the price is within your budget.

You should make sure the price is no higher than that quoted​ by: ​ A. ​"no-hassle" dealerships. B. online retailers. C. ​domestic-only dealerships. D. ​"no-haggle" dealerships.

D. ​"no-haggle" dealerships.

What identity theft tactic means going through the trash and taking personal information that contains identifying numbers?

Dumpster Diving

What do home inspectors evaluate?

Home inspectors evaluate the condition of the​ home's electrical​ systems, plumbing, heating and​ cooling, foundation,​ roof, and other physical aspects of the home.

Do standard policies often include or not include a deductible that is applied to the personal property?

Often included

What identity theft tactic is a type of pretexting?

Phishing

What identity theft tactic means to obtain personal information under false pretenses by posing as a survey taker?

Pretexting

What are loans backed by collateral called?

Secured loans

What identity theft tactic means to stand over the shoulder of the victim and read the credit card number?

Shoulder Surfing

What identity theft tactic means to copy the information contained in the magnetic stripe on the credit or debit card and use it to create fake cards?

Skimming

One of the two components of liability coverage in an auto insurance policy is bodily injury liability​ coverage, which protects​ you: ​ A. against liability associated with injuries that you cause B. from losses that result when you damage another person's property with your car C. against liability associated with injuries that you experienced D. against liability associated with losses that result when someone damages your car

against liability associated with injuries that you cause

The two financial components you must consider before purchasing a home are​ the:

down payment and the monthly mortgage payments.

The amount of the monthly mortgage payment depends on​ the: ​

mortgage amount​, such that the larger the mortgage, the larger the payment

What is home equity?

the difference between the market value of the home and the debt on the home.

What are the three major credit bureaus?

​Equifax, Experian, and Trans Union.

How will school performance affect your auto insurance premium?

​good students are generally safer drivers and may pay lower premiums


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