422186
Questão 1
Questão
The earliest type of trade was?
Responda
-
bartering
-
currency
-
economies
-
cowry shell currency
Questão 2
Questão
The economies of all cultures are based on?
Responda
-
currency
-
supermarkets
-
trade
Questão 3
Questão
Historians believe that the Chinese developed the first?
Responda
-
credit card
-
metal currency
-
supermarket
Questão 4
Questão
Corporate structure may be defined as ________.
Responda
-
There are an equal number of employees earning above the amount provided and an equal number earning below the amount provided
-
There are an equal number of employees earning above the provided but not an equal number earning below the amount provided
-
There are an equal number of employees not earning above the amount provided but an equal number of employees earning below the number provided
-
the number calculated by adding all numbers together, then dividing by the total amount of numbers
Questão 5
Questão
which of the following might not be an option for increasing your present income?
Responda
-
requesting a merit increase in pay
-
quitting your job to find another
-
looking for a better job without quitting your old job
Questão 6
Questão
Which of the following is true about a merit increase in pay?
Responda
-
you have prove that you deserve it more than your coworkers
-
you automatically receive merit raises every year
-
you might have to wait for a certain anniversary date to get it
Questão 7
Questão
Your resume should include all of the following information EXCEPT?
Responda
-
personal history
-
education background
-
qualifications
-
contact information
Questão 8
Questão
The single best way to increase your income is to get an education. Why?
Responda
-
you automatically make more money if your are educated
-
you automatically get promotions if your are educated
-
you can obtain jobs that have higher starting salaries
-
you will automatically receive better benefits
Questão 9
Questão
Which of the following will probably earn a higher level of income?
Responda
-
a male file clerk with a high school diploma and a year of college
-
a male accountant with a Bachelor's degree
-
a female accountant with a Master's degree in business administration
Questão 10
Questão
the term median means ______.
Responda
-
there are an equal number of employees earning above the amount provided but not an equal number earning below the amount provided
-
there are an equal number of employees not earning above the amount provided but an equal number of employees earning below the number provided
-
the number calculated by adding all numbers together, then dividing by the total amount of numbers
Questão 11
Questão
The term average means _______.
Responda
-
there are an equal number of employees earning above the amount provided and an equal number earning below the amount provided
-
there are an equal number of employees earning above the amount provided but not an equal number of employees earning below the amount provided
-
there are equal number of employees not earning above the amount provided but an equal number of employees earning below the amount provided
-
the number calculated by adding all numbers together, then dividing by the total amount of numbers
Questão 12
Questão
The term "educational attainment" means _______.
Responda
-
you are attending school to earn a degree
-
whatever education you have gotten
-
you have earned the highest degree possible in your field
Questão 13
Questão
Your choice of career should be based on which factors?
Responda
-
the location of possible jobs
-
your interests and knowledge
-
the salary ranges and your interests
-
whether or not they will provide daycare
Questão 14
Questão
Which of the following is not true concerning Income Tax Refunds?
Responda
-
you are essentially giving the government an interest-free loan
-
it means that you are having too much deducted from your paycheck
-
you haven't properly evaluated your personal tax circumstances
Questão 15
Questão
When claiming dependents, they must meet the following criteria EXCEPT?
Responda
-
the dependent must reside with you for the entire year
-
the dependent must be under nineteen years of age unless he or she is a full-time student (under 24 years old)
-
the dependent was unable to provide over half of his or her support for the year
-
the dependent must be a relative
Questão 16
Questão
If you opt to put money in the medical flexible spending account rather than trying to amass enough medical expenses to itemize on your tax return, you are taking advantage of _____.
Responda
-
a credit
-
witholding
-
a deduction
-
an exlusion
Questão 17
Questão
A form of taxation in which everyone pays an equal rate of taxes is called a _______.
Responda
-
progressive tax
-
regressive tax
-
flat tax
-
net tax
Questão 18
Questão
A form of taxation in which the highest income earner pays the largest percentage of taxes is called a _______.
Responda
-
regressive tax
-
flat tax
-
net tax
Questão 19
Questão
A form of taxation in which the lowest incom earners pay the largest percentage of taxes is called a ______.
Responda
-
regressive tax
-
flat tax
-
net tax
-
progressive tax
Questão 20
Questão
Which of the following is not considered part of your gross income?
Responda
-
everything of value you recieved during the year
-
bartered goods and services
-
everything of value of that you received from April 15th to December 31st
-
money you win on a game show
Questão 21
Questão
Which of the following is not true about your adjusted gross income?
Responda
-
it is your income plus your deductions
-
it determines whether you are eligible for additional tax breaks
-
iti s your gross income minus deductions
-
it is your income minus deductions
Questão 22
Questão
Which of the following is true about standard deductions?
Responda
-
they are tax breaks that you can claim without having to itemize
-
they are listed just above the total taxable income on the 1040 tax form
-
they reduce your tax bill rather than your taxable income
-
you must itemize in order to take advantage of this deduction
Questão 23
Questão
A dollar-for-dollar reduction in your tax payment is called a _______.
Responda
-
deduction
-
flat tax
-
credit
-
debit
Questão 24
Questão
Which of the following best defines health insurance?
Responda
-
an annual contract between an insurance company and an individual
-
a type of insurance whereby the insurer pays the medical costs of the insured
-
a type of insurance that protects your personal property if you are unable to pay your bills
-
a type of insurance that assists your loved ones in the event of your death
Questão 25
Questão
Which of the following illustrates the main difference between Medicare and Medicaid?
Responda
-
Medicare helps to insure the elderly, while Medicaid focuses on low-income individuals and families
-
Medicaid helps to insure the elderly, while Medicare insures low incom earners
-
Medicaid helps to replace lost income for the poor
-
Medicare is available only to those over the age of 65
Questão 26
Questão
Which of the following is not true about managed care?
Responda
-
your employer is responsible for all co-payments
-
it is a system in which companies contract with doctors to provide health care services
-
it you have health care coverage through your employer, you probably have a managed care plan
-
the most common types of managed care are HMO's and PPO's
Questão 27
Questão
Which of the following statements is true about Medicaid?
Responda
-
Medicaid covers only hospital and doctor's visits
-
Medicaid is a managed health care system
-
Medicaid was established to help ensure that people living below the poverty level could receive health care
-
Medicaid provides health care only for elderly
Questão 28
Questão
What is life insurance?
Responda
-
health insurance that covers you for the rest of your life
-
insurance that supplements your income if your life is threatened
-
insurance that protects you in the event of an unexpected illness or accident that prevents you from working
-
insurance that assists your loved ones with income in the event of your death
Questão 29
Questão
John T. works on the assembly line in an automobile factory. One day, he falls of the roof of his home while cleaning his rain gutters and injures his back. He soon learns that he will have to be off his job for close to a year while his back heals. Which of the following insurance will he need to cover losses from his absence?
Responda
-
he will have to collect from his regular medical insurance
-
because the accident occurred at home, he is not covered
-
He may potentially be covered by disability insurance provided by his employer until he returns to work
Questão 30
Questão
Which of the following statements is not true about HMO insurance?
Responda
-
it is a managed health care system
-
the letter stand for Health Maintenance Organization
-
in an HMO, you are assigned a primary care physician
-
in an HMO you can choose your own primary care physician (PCP), but specialists must be referred by the PCP
Questão 31
Questão
Which of the following statements is not true about disability insurance?
Responda
-
the only way to get disability insurance is through your employer
-
you can have short-term or long-term disability insurance
-
long-term disability insurance ends when a person turns 65
-
long-term disability insurance lasts five years
Questão 32
Questão
Which of the following might be considered positive aspects of HMO's?
Responda
-
free choice of primary care physician
-
care from non-HMO provider not covered
-
out-of-pocket expenses are usually low
-
easy to receive specialized care
Questão 33
Questão
Which of the following might be considered a negative aspect of HMO's?
Responda
-
HMO's focus on preventative care
-
Not easy to receive specialized care
-
free choice of primary care physician
Questão 34
Questão
A FICO score represents all of the following EXCEPT?
Responda
-
income to debt ratio
-
creditworthiness
-
length of credit history
Questão 35
Questão
On average, compared to a person with good credit, a person with poor credit will pay ____ for insurance?
Responda
-
5% to 10% more
-
10% to 15% less
-
20% to 50% more
-
25% to 40% more
Questão 36
Questão
How long does it take to rebuild your credit history?
Responda
-
7 years
-
9 years
-
30 years
-
8 years
Questão 37
Questão
Secured debt means a lender gives yo money in exchange for what?
Responda
-
collateral
-
credit report
-
principal
-
interest
Questão 38
Questão
Which type of debt is the least attractive for a consumer?
Responda
-
secured debt
-
mortgage debt
-
lease debt
Questão 39
Questão
When an asset, such as a car, decreases in value over time what is it called?
Responda
-
equity
-
leasing
-
depreciation
Questão 40
Questão
If you miss one payment on a credit card, what is generally the penalty?
Responda
-
a lower available credit line
-
a late payment fee
-
a negative notation on your credit report
Questão 41
Questão
if you miss two payments on a credit card, what is generally the penalty?
Responda
-
a late payment fee and a lower available credit line
-
a late payment fee
-
a negative notation on your credit report
-
a higher interest rate and a late payment fee
Questão 42
Questão
If you have $1,000.00 on a credit card and the interest rate is 23.7% per year, how much interest will you pay for one year? (Multiply rather than compound your interest).
Responda
-
$23.70
-
$237.00
-
$230.70
Questão 43
Questão
How many monthly payments are there in a 30-year loan?
Responda
-
365
-
360
-
100
Questão 44
Questão
What can the be best type of safety net in hard times?
Responda
-
rental property
-
none of the above
-
mortgage
Questão 45
Questão
Generally, you need to live in a home __________ years to break even on closing costs
Responda
-
two
-
three
-
four
Questão 46
Questão
What is generally the most complicated financial transaction the average american will ever undertake?
Responda
-
buying a car
-
buying a home
-
none of the above
Questão 47
Questão
real estate is considered a/an ________ investment.
Responda
-
liquid
-
sure
-
partially-liquid
Questão 48
Questão
Individual mortgage interest rates are generally determined by what?
Responda
-
The economy
-
The individual's credit score
-
The property value
-
the state the property is located in
Questão 49
Questão
What is PMI?
Responda
-
Personal mortgage investment
-
Personal mortgage insurance
-
Personal mortgage interest
Questão 50
Questão
Who dictates how much insurance a homeowner must carry on their property?
Responda
-
the state the property is located in
-
the bank that holds the mortgage
-
the owner
-
none of the above
Questão 51
Questão
Assuming you have a 30-year fixed-rate loan, you're paying _______% interest during the first few years.
Responda
-
90
-
80
-
70
-
60
Questão 52
Questão
Why is investing gold beneficial?
Responda
-
it is easy to mine
-
it is considered a stable investment
-
gold is more expensive than stocks
-
the value of gold is subject to inflation
Questão 53
Questão
What type of insurance may a homeowner need?
Responda
-
flood insurance
-
firestorm insurance
-
all of the above
Questão 54
Questão
Which of the following is not one of the three types of business arrangements in the United States?
Responda
-
sole proprietorship
-
partnership
-
sole partnership
-
coporation
Questão 55
Questão
with a sole proprietorship, who pays the taxes?
Responda
-
the company
-
both the shareholders and the owner
-
the owner
Questão 56
Questão
which of the following would not be considered an advantage of a sole proprietorship?
Responda
-
there are no legal formalities if the business dissolves
-
all of the profits from the business go right to the owner
-
a proprietor is also responsible for his or her own health insurance
Questão 57
Questão
What can a proprietor do to minimize personal risk and liability?
Responda
-
change his/her name
-
form a limited liability proprietorship
-
form a limited liability partnership
-
form a limited liability company
Questão 58
Questão
Why are partnerships often favored over corporations?
Responda
-
they are most successful
-
there are no taxes levied on profits
-
a partnership structure eliminates the divided tax levied upon profits realized by the owners
Questão 59
Questão
What are the two types of partnerships?
Responda
-
general and private
-
limited and general
-
private and limited
Questão 60
Questão
which of the following would not be considered an advantage of a partnership?
Responda
-
a partnership usually involves low start-up costs
-
each general partner is deemed the agent of the partnership
-
it's easy to form a partnership
-
you can share the responsibilities with your partners
Questão 61
Questão
As a generic legal term, ________ means any group of persons with a legal entity.
Responda
-
corporation
-
business
-
partnership
-
proprietorship
Questão 62
Questão
Who regulates a corporation?
Responda
-
the bondholders
-
the corporation's founders
-
the corporations's union
Questão 63
Questão
Which of the following is not a legal characteristic of a corporation?
Responda
-
transferable shares
-
perpetual life
-
limited liability
-
legal protection from law suits
Questão 64
Questão
What is an entrepreneur?
Responda
-
a corporation
-
one who opens a new business
-
a bank that loads money
Questão 65
Questão
Which of the following is the best definition of probable operating costs?
Responda
-
amount of money required to start a business
-
amount of money required to market a business
-
amount of money required to purchase business equiptment
-
amount of money required to keep a business running
Questão 66
Questão
What may be offered to clients when banks find the risk too high?
Responda
-
personal money
-
partnership money
-
private money
Questão 67
Questão
which of the following s a start-up cost associated with opening a business?
Responda
-
legal fees/licensing
-
insurance
-
all of the above
Questão 68
Questão
What is a term used widely among real estate investors to refer to non-traditional means of real estate financing, or financing techniques not commonly used?
Responda
-
capital financing
-
leverage financing
-
creative financing
Questão 69
Questão
what does "OPM" stand for in leveraging OPM?
Responda
-
other profit means
-
other people's money
-
organizational profit marketing
Questão 70
Questão
Generally, a load obtained from a bank will be a ________ loan.
Responda
-
variable
-
collateral-free
-
term
Questão 71
Questão
Which of the following is not a type of retail bank?
Responda
-
bond bank
-
private bank
-
offshore bank
-
ethical bank
Questão 72
Questão
What type of banks were traditionally banks which engaged in trade financing?
Responda
-
ethical
-
offshore
-
merchant
Questão 73
Questão
Which of the following is an example of an unsecured bank loan?
Responda
-
bank overdrafts
-
corporate bonds
-
all of the above
Questão 74
Questão
Which of the following is not a core module of accounting?
Responda
-
accounts payable
-
debt collection
-
purchase orders
Questão 75
Questão
What is a general ledger also known as?
Responda
-
an enumerated ledger
-
none of the above
-
a nominal leder
Questão 76
Questão
Which of the following is not one of the seven basic accounting categories?
Responda
-
gains
-
losses
-
investments
Questão 77
Questão
the listing of the account names and the sum of the account balances is called what?
Responda
-
a total balance
-
a complete balance
-
an absolute balance
-
a trial balance
Questão 78
Questão
Which of the following should be included in a general ledger?
Responda
-
date
-
description
-
total amount for each account
-
all of the above
Questão 79
Questão
What kind of statement is also known as a profit and loss statement?
Responda
-
complete statement
-
income statement
-
investment statement
-
earnings statement
Questão 80
Questão
What kind of statement shows how changes in balance sheet and income accounts affected cash and cash equivalents?
Responda
-
cash flow statement
-
investment statement
-
earnings statement
-
income statement
Questão 81
Questão
a balance sheet is often described as a __________ of the company's financial condition on a given date.
Responda
-
photo
-
slideshow
-
snapshot
Questão 82
Questão
What is the purpose of an income statement?
Responda
-
to show managers and investors whether the company is spending its money appropriately
-
to show managers and investors whether the company made or lost money during the period being reported
-
none of the above
Questão 83
Questão
the two components of _______ are variable costs and fixed costs.
Responda
-
complete cost
-
required cost
-
total cost
Questão 84
Questão
What is the margin of safety?
Responda
-
how much sales can fall before a business makes less than 15%
-
none of the above
-
how much sales can fall before a business starts taking a loss
Questão 85
Questão
What are expenses that change as conditions change?
Responda
-
moderate costs
-
variable costs
-
changing costs
Questão 86
Questão
What are expenses that do not change called?
Responda
-
known costs
-
stable costs
-
fixed costs
Questão 87
Questão
Which of the following are examples of possible fixed costs?
Responda
-
wages of workers
-
raw material
-
neither of the above
-
both of the above
Questão 88
Questão
which of the following are examples of possible fixed costs?
Responda
-
property tax
-
both of the above
-
none of the above
Questão 89
Questão
What is known as the rate of business expansion through increasing output and sales as opposed to mergers, acquisitions, and takeovers?
Responda
-
corporate growth
-
inorganic growth
-
monetary growth
Questão 90
Questão
What is known as the rate at which business expands by increasing output and business reach
Responda
-
organic growth
-
corporate growth
-
inorganic growth
-
monetary growth
Questão 91
Questão
What is another term for profit planning?
Responda
-
profit zoning
-
profit mapping
-
profit predicting
-
profit sharing
Questão 92
Questão
What is known as the price at which a seller projects that a buyer will buy a product?
Responda
-
target price
-
selling price
-
perfect price
-
profit price
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