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Archive for December 2020

An __________ company, or insurer, is a risk-sharing firm that assumes financial responsibility for losses from the insured in exchange for a fee.

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An __________ company, or insurer, is a risk-sharing firm that assumes financial responsibility for losses from the insured in exchange for a fee.Ans...

There are two basic types of life insurance: term and cash value.

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There are two basic types of life insurance: term and cash value.Answer: t...

Insurance should not be used to smooth out all the little bumps of life.

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Insurance should not be used to smooth out all the little bumps of life.Answer: t...

A desirable health insurance plan should cover:

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A desirable health insurance plan should cover:Answer: At least 80% of out-of-hospital expenses and not impose any unreasonable exclus...

Health insurance should be part of very few people's overall risk management plan to safeguard their and their family's economic security.

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Health insurance should be part of very few people's overall risk management plan to safeguard their and their family's economic security.Answer:&nbs...

Insurance companies pay a lot of attention to the relationship between risk and cost.

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Insurance companies pay a lot of attention to the relationship between risk and cost.Answer: t...

Unlike renter's insurance, homeowner's insurance covers personal property, provides liability protection, and pays for other expenses.

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Unlike renter's insurance, homeowner's insurance covers personal property, provides liability protection, and pays for other expenses.Answer: fa...

Very few states require drivers to carry some minimum level of automobile insurance.

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Very few states require drivers to carry some minimum level of automobile insurance.Answer: fa...

Ignoring the effect taxes have on spending choices very often leads to making poor decisions.

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Ignoring the effect taxes have on spending choices very often leads to making poor decisions.Answer: t...

People work in a __________ world, but live and play in a post-tax world.

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People work in a __________ world, but live and play in a post-tax world.Answer: pre-...

For the average wage earner about one-third of each marginal dollar in earned income goes toward taxes.

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For the average wage earner about one-third of each marginal dollar in earned income goes toward taxes.Answer: t...

People work in a pre-tax world, but live and play in a post-tax world.

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People work in a pre-tax world, but live and play in a post-tax world.Answer: t...

The government taxes:

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The government taxes:Answer: A,B, and C are corr...

It is important for taxpayers to understand the difference between tax ________ and tax deductions if they want to pay minimum income taxes.

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It is important for taxpayers to understand the difference between tax ________ and tax deductions if they want to pay minimum income taxes.Answer:&n...

The old argument that a tax refund is like having a built-in savings plan is a very good argument as there are no better ways to save.

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The old argument that a tax refund is like having a built-in savings plan is a very good argument as there are no better ways to save.Answer: fa...

Excise taxes are usually paid on:

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Excise taxes are usually paid on:Answer: purcha...

Although rarely thought of this way, for most people their tax burden is actually their largest annual household expense.

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Although rarely thought of this way, for most people their tax burden is actually their largest annual household expense.Answer: t...

Understanding the affect taxes have on purchasing decisions is not important to reaching personal financial goals in as short a time as possible.

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Understanding the affect taxes have on purchasing decisions is not important to reaching personal financial goals in as short a time as possible.Answ...

Taxes are never difficult and confusing.

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Taxes are never difficult and confusing.Answer: fa...

The main reason to understand the impact of taxes is to:

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The main reason to understand the impact of taxes is to:Answer: Reach one's financial goals in as short a time as possi...

Never review one's tax situation in order to avoid an ?April 15th Surprise.?

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Never review one's tax situation in order to avoid an ?April 15th Surprise.?Answer: fa...

Taxes are almost always one a minor expenses on a budget.

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Taxes are almost always one a minor expenses on a budget.Answer: fa...

The federal government does not have an estate tax.

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The federal government does not have an estate tax.Answer: fa...

Wealth is taxed at both the state and federal levels primarily through inheritance taxes.

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Wealth is taxed at both the state and federal levels primarily through inheritance taxes.Answer: t...

Personal property tax is paid on the value of the things one rents.

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Personal property tax is paid on the value of the things one rents.Answer: fa...

Taxes on purchases include sales taxes and excise taxes.

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Taxes on purchases include sales taxes and excise taxes.Answer: t...

For the average wage earner about one-third of each marginal dollar in earned income goes toward taxes.

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For the average wage earner about one-third of each marginal dollar in earned income goes toward taxes.Answer: t...

State birth tax, for those states that have this tax, requires that parents to pay a certain percentage of all wealth that is to be transferred as part of an inheritance.

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State birth tax, for those states that have this tax, requires that parents to pay a certain percentage of all wealth that is to be transferred as part...

A major life event includes things like marriage, divorce, having a baby, adopting a child, receiving an inheritance, changing jobs, or significantly reducing or increasing one's income.

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A major life event includes things like marriage, divorce, having a baby, adopting a child, receiving an inheritance, changing jobs, or significantly...

Property taxes can affect home owners (real estate taxes) as well as automobile owners (personal property taxes).

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Property taxes can affect home owners (real estate taxes) as well as automobile owners (personal property taxes).Answer: t...

Landlords pay property tax, but never pass the expense on to the renter by building it into the cost of the rent.

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Landlords pay property tax, but never pass the expense on to the renter by building it into the cost of the rent.Answer: fa...

Taxes can be difficult and confusing.

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Taxes can be difficult and confusing.Answer: t...

There are so many different types of taxes and so many rules involved that even experienced tax professionals do not know it all.

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There are so many different types of taxes and so many rules involved that even experienced tax professionals do not know it all.Answer: t...

It is not important for taxpayers to understand the difference between tax credits and tax deductions if they want to pay minimum income taxes.

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It is not important for taxpayers to understand the difference between tax credits and tax deductions if they want to pay minimum income taxes.Answer...

Few people have just one or two sources of income.

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Few people have just one or two sources of income.Answer: fa...

Building an emergency fund is not a good first S.M.A.R.T. financial goal for most people.

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Building an emergency fund is not a good first S.M.A.R.T. financial goal for most people.Answer: fa...

There is absolutely no connection between a person's net worth and their worth as a ___________.

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There is absolutely no connection between a person's net worth and their worth as a ___________.Answer: per...

A budget is a secondary tool for managing personal expenses.

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A budget is a secondary tool for managing personal expenses.Answer: fa...

In general, salespeople advise customers never to spend money on things they did not originally intend to buy.

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In general, salespeople advise customers never to spend money on things they did not originally intend to buy.Answer: fa...

Personal financial goals can be short-term, mid-range, or long-term.

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Personal financial goals can be short-term, mid-range, or long-term.Answer: t...

At some point most people ask, ?Where did my money go?? There are countless ways that money seems to leak out of a __________.

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At some point most people ask, ?Where did my money go?? There are countless ways that money seems to leak out of a __________.Answer: bud...

Few people are surprised by how much they spend on clothes after having tracked the expense for a while.

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Few people are surprised by how much they spend on clothes after having tracked the expense for a while.Answer: fa...

Rather than allowing emergencies to cause some financial hardship every time something unexpected happens, it is a good idea to put money aside to cover unplanned emergencies.

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Rather than allowing emergencies to cause some financial hardship every time something unexpected happens, it is a good idea to put money aside to cover...

The goal of making one million dollars this year or paying off the house in the next six months is a realistic goal for most people.

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The goal of making one million dollars this year or paying off the house in the next six months is a realistic goal for most people.Answer: fa...

Measurable financial goals emphasize how much.

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Measurable financial goals emphasize how much.Answer: t...

Short-term goals tend to be:

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Short-term goals tend to be:Answer: Less than three ye...

Building an emergency fund is a good first S.M.A.R.T. financial goal for most people.

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Building an emergency fund is a good first S.M.A.R.T. financial goal for most people.Answer: t...

Since increasing income is more desirable, it is more likely to be done quickly and easily compared to decreasing expenses.

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Since increasing income is more desirable, it is more likely to be done quickly and easily compared to decreasing expenses.Answer: fa...

Why do financial plans still fail? It can be summed up in one simple phrase: L.I.F.E. happens.

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Why do financial plans still fail? It can be summed up in one simple phrase: L.I.F.E. happens.Answer: t...

A 12-month budget makes it easy to understand why a shortage occurred and whether it was a one-time shortfall or something that is going to repeat each month.

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A 12-month budget makes it easy to understand why a shortage occurred and whether it was a one-time shortfall or something that is going to repeat each...

A __________ is the primary tool for managing personal expenses.

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A __________ is the primary tool for managing personal expenses.Answer: budget sh...

__________ financial goals emphasize how much.

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__________ financial goals emphasize how much.Answer: measura...

The more __________ financial goals are made, the easier it is to track movement towards achieving them.

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The more __________ financial goals are made, the easier it is to track movement towards achieving them.Answer: speci...

Most people are surprised by how much money they spend in certain budget categories, especially dining out.

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Most people are surprised by how much money they spend in certain budget categories, especially dining out.Answer: t...

Using a debit card to make purchases makes it easy to categorize and track expenses for the month by referring to a copy of the bank statement.

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Using a debit card to make purchases makes it easy to categorize and track expenses for the month by referring to a copy of the bank statement.Answer...

A __________ provides the insight to control impulse purchases and plan for big expenses like a used car or an upcoming vacation

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A __________ provides the insight to control impulse purchases and plan for big expenses like a used car or an upcoming vacationAnswer: budget s...

A surplus on a net worth sheet represents an increase in net worth on the corresponding net worth statement.

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A surplus on a net worth sheet represents an increase in net worth on the corresponding net worth statement.Answer: fa...

It is a good idea to find ways to reduce expenses to create the largest budget surplus possible so more money can be allocated to achieving financial goals.

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It is a good idea to find ways to reduce expenses to create the largest budget surplus possible so more money can be allocated to achieving financial...

Most people have just one or two sources of income and it is relatively level.

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Most people have just one or two sources of income and it is relatively level.Answer: t...

As more experience is gained with developing a budget, it becomes more difficult to set aside money for unanticipated or non-monthly expenses.

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As more experience is gained with developing a budget, it becomes more difficult to set aside money for unanticipated or non-monthly expenses.Answer:...

A budget sheet is easily customized so that it makes the most sense for each individual.

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A budget sheet is easily customized so that it makes the most sense for each individual.Answer: t...

Why do financial plans still fail? It can be summed up in one simple phrase: __________ happens.

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Why do financial plans still fail? It can be summed up in one simple phrase: __________ happens.Answer: L.I....

Specific financial goals avoid general terms such as, I plan to retire a millionaire.?

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Specific financial goals avoid general terms such as, I plan to retire a millionaire.?Answer: t...

Arriving at a job interview late adds stress to an already stressful situation.

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Arriving at a job interview late adds stress to an already stressful situation.Answer: t...

A good cover letter should be at least three pages long.

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A good cover letter should be at least three pages long.Answer: fa...

It is unimportant to take steps to keep a career balanced and in line with personal goals and objectives.

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It is unimportant to take steps to keep a career balanced and in line with personal goals and objectives.Answer: fa...

The purpose of the resume is not to get a job, but to get an interview.

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The purpose of the resume is not to get a job, but to get an interview.Answer: t...

Although a resume is the tool that helps secure an interview, a well written __________ provides the incentive for a potential employer to read the resume.

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Although a resume is the tool that helps secure an interview, a well written __________ provides the incentive for a potential employer to read the resume.Answer: cover...

There are opportunities to gain valuable leadership experience in almost any position within any company.

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There are opportunities to gain valuable leadership experience in almost any position within any company.Answer: t...

Federal student loans are considered borrower __________.

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Federal student loans are considered borrower __________.Answer: frien...

The purpose of the resume is to get a job.

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The purpose of the resume is to get a job.Answer: fa...

Just like a financial plan, a __________ plan includes setting career goals and objectives and then implementing a plan that gets one to where they want to be.

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Just like a financial plan, a __________ plan includes setting career goals and objectives and then implementing a plan that gets one to where they want...

Just as it is a good idea to plan financially it is a good idea to plan for a __________.

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Just as it is a good idea to plan financially it is a good idea to plan for a __________.Answer: car...

Most people cannot separate their financial life from their professional life.

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Most people cannot separate their financial life from their professional life.Answer: t...

It is important to continually plan for a career.

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It is important to continually plan for a career.Answer: t...

Communication and leadership are two sets of skills very few employers value.

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Communication and leadership are two sets of skills very few employers value.Answer: fa...

A cover letter should be __________ for each individual job application.

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A cover letter should be __________ for each individual job application.Answer: customi...

Very few people really think about their professional or work lives beyond what they need to do to get to the end of the day.

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Very few people really think about their professional or work lives beyond what they need to do to get to the end of the day.Answer: t...

How to manage a career is not a financial decision.

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How to manage a career is not a financial decision.Answer: fa...

Businesses buy things because they like them, not because they can make or save money from them.

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Businesses buy things because they like them, not because they can make or save money from them.Answer: fa...

It is not a good idea to be the first person a boss thinks of when he or she has a critical assignment that must be done right and must be done on time.

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It is not a good idea to be the first person a boss thinks of when he or she has a critical assignment that must be done right and must be done on ti...

It rarely makes sense for a college student to attend a community college for two years and transfer to a four-year school because it is costly if the transition is not planned for wisely.

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It rarely makes sense for a college student to attend a community college for two years and transfer to a four-year school because it is costly if the...

_______ means either a college student is permitted to temporarily make smaller student loan payments or stop making payments all together.

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_______ means either a college student is permitted to temporarily make smaller student loan payments or stop making payments all together.Answer:&nb...

A number of not-for-profit agencies offer some sort of college tuition reimbursement or forgiveness program in exchange for a commitment to work with them for some length of time after graduation.

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A number of not-for-profit agencies offer some sort of college tuition reimbursement or forgiveness program in exchange for a commitment to work with...

A __________ is a period of time where the student's student loan servicer will allow him or her to stop making payments.

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A __________ is a period of time where the student's student loan servicer will allow him or her to stop making payments.Answer: deferm...

Instead of having multiple loan payments to different student loan servicers, college students and parents can __________ their federal student loans so they have one payment.

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Instead of having multiple loan payments to different student loan servicers, college students and parents can __________ their federal student loans...

It is unnecessary for college students to __________ someone to help them search for grants or scholarships.

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It is unnecessary for college students to __________ someone to help them search for grants or scholarships.Answer: ...

Work study earnings do not impact eligibility for financial aid the following year.

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Work study earnings do not impact eligibility for financial aid the following year.Answer: t...

Most college student financial aid grants come from the state and federal government, such as the Pell Grant and the Supplemental Educational Opportunity Grant.

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Most college student financial aid grants come from the state and federal government, such as the Pell Grant and the Supplemental Educational Opportunity...

Living off campus is usually __________ than living on campus.

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Living off campus is usually __________ than living on campus.Answer: chea...

College students and parents should not assume they can eliminate federal student loans through __________.

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College students and parents should not assume they can eliminate federal student loans through __________.Answer: bankrup...

Many colleges have a hard waiver policy, which means college students are automatically covered and charged for health insurance.

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Many colleges have a hard waiver policy, which means college students are automatically covered and charged for health insurance.Answer: t...

The Free Application for Federal Student Aid (FAFSA) can be completed online only.

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The Free Application for Federal Student Aid (FAFSA) can be completed online only.Answer: fa...

Student financial aid is based on many factors, but never college students? and parents? previous year?s income and assets.

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Student financial aid is based on many factors, but never college students? and parents? previous year?s income and assets.Answer: fa...

Many four-year colleges and their academic departments are very specific about the classes they accept from other universities and community colleges.

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Many four-year colleges and their academic departments are very specific about the classes they accept from other universities and community colleges...

The Teacher Education Assistance for College and Higher Education Grant (TEACH Grant) is a __________ federal student grant.

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The Teacher Education Assistance for College and Higher Education Grant (TEACH Grant) is a __________ federal student grant.Answer: com...

Instead of having multiple loan payments to different student loan servicers, college students and parents can __________ their federal student loans so they have one payment.

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Instead of having multiple loan payments to different student loan servicers, college students and parents can __________ their federal student loans...

A deferment is not a period of time where the student?s student loan servicer will allow him or her to stop making payments.

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A deferment is not a period of time where the student?s student loan servicer will allow him or her to stop making payments.Answer: Fa...

If anyone intends to earn a four-year degree, then spending the first two years at a __________ college may be one of the most cost-effective ways to do so.

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If anyone intends to earn a four-year degree, then spending the first two years at a __________ college may be one of the most cost-effective ways to...

When parents or college students do not qualify for a federal student loan they should always use a home equity loan.

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When parents or college students do not qualify for a federal student loan they should always use a home equity loan.Answer: Fa...
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