Management of Resources Semester Exam

In binding arbitration, the decision reached is

Consumer spending contributes to economic growth

Of the following, the document most likely to be used as proof of identity is

All of the following will most likely happen if you write an overdraft EXCEPT

Financial software is

Which of the following is NOT a necessary step in evaluating a used vehicle

Most education loans have a higher interest rate than regular loans

Tax returns should be kept

The three C's of credit include all of the following EXCEPT

When an updated version of financial software is released, users must purchase it at full price

All of the following strategies will result in borrowing less EXCEPT

Money transfer services, while helpful in an emergency, are relatively expensive

The GI Bill and AmeriCorps offer financial assistance for education from

When researching vehicles, you should consider safety features

At your request, banks can automatically perform all of the following services EXCEPT

Which of the following is NOT a factor to consider when choosing a career path?

A fee is a percentage of the dollar amount of investment products sold to the client

The Food and Drug Act and the Meat Inspection Act were both passed in 1906

A thorough inspection is most important when you buy a used vehicle from a dealer

All of the following are good driving habits EXCEPT

One of the advantages of leasing a vehicle is that you are not responsible for insuring it

Those who sell directly to consumers are

Financial professionals may be associated with a financial institution or work independently

Unlike a pyramid scheme, a gift giving club is legal

Utility bills should be kept for 6 years

Which of the following is NOT a test to assess personal qualities for the career planning

A resume should describe a job seeker's

Electronic funds transfer (EFT) refers to

Creditors generally report a history of delinquent payments to the credit bureaus

You should shred your credit-card documents before discarding them

Road tests report on all of the following features EXCEPT

It is not possible to find out the dealer's invoice price

Someone caught stealing from an employer cannot be fired without first receiving a warning

All of the following are possible up-front costs to the lessee EXCEPT

Education makes it easier for people to cope with changes in the labor market

If you send an illegal chain letter,started by someone else, you are committing a federal crime

Taking recommended precautions will eliminate the possibility of identity theft

The Age Discrimination Act makes it illegal to discriminate against people under 21

An apprenticeship involves

The borrower has security interest in property pledged as assurance that a loan will be repaid

If you plan to get a loan to purchase a vehicle, you should ______

Consideration for admission to a college may require all of the following EXCEPT

Helpful hints for preparing a resume include

The best description of a budget is

A telecommuter is a worker who

Using your credit card wisely includes all of the following EXCEPT

Dealers generally offer _____ for a trade-in

If you purchase a used car, you should try to get a copy of the owner's manual

To archive a document means to ______.

A consumer's right to access his or her credit file is assured by the

The purpose of a balance sheet is to determine your

Bank statements, receipts, tax forms, and other records can help identify past spending habits

When estimating income, you should be sure to include your savings

Of the following, the task that could NOT be aided by financial software is

Secured credit is generally more difficult for customers to obtain than unsecured credit

Before leaving a job, you should ask about health insurance options

Which of the following is NOT a benefit of starting to plan your career while in high school

Pay stubs should be kept

An example of an entry-level job in the consumer and management field is ______

If you get a fraudulent offer in the mail, you can report it by contacting your post office

A written order telling a bank to pay a specific amount of money to a person or business

When you buy traveler's checks, you sign each check in front of the selling agent

A common grace period might be

The recommended place to keep an original birth certificate is a _______

Distance learning can be done by

A budget surplus can be added to the amount budgeted for savings

The maximum amount of credit that the creditor will extend to the borrower is called the _____

You should check the warning lights and gauges on your vehicle's dashboard to avoid a breakdown

If you fail to pay for items purchased on credit, they can be taken back by the merchant

Formed by a trade association in a particular industry for addressing consumer complaints

To balance multiple roles, one may need to give up the goal of fulfilling all roles perfectly

Credits from a two-year community college can usually be transferred to a four-year college

You can deduct money from your bank account to make a purchase by use of a _______.

It is a good idea to check your credit report once a month

having a specific email just for chat room use is recommended to discourage online harassment

To receive favorable banking terms or avoid a penalty, you may need to ______

Some software companies offer free demos that customers can download and try out

Debts owed to others are considered

If an attorney offers services pro bono, the services are ___

Commercial banks tend to pay lower interest on savings accounts than nonprofit institutions

The Family and Medical Leave Act (FMLA) allows taking leave for the following reasons EXCEPT

Which of the following is NOT a consideration when you're thinking of leasing a vehicle

Following the maintenance scheduled means

Businesses that want to hire young people often contact local schools

The Truth in Lending Act protects people who apply for credit form discrimination

Consumer magazines and websites can help determine the typical price for a vehicle in your area

A home filing cabinet is an appropriate place to store all of the following EXCEPT

Before developing a budget, translate general goals into specific goals that can be measured

By law, the fee for an ATM transaction must be disclosed after you complete the transaction

People who are starting up their own business are unlikely to work long hours

Why you move, you should provide your new address to your previous post office

All of the following fluids need to be replaced regularly EXCEPT

Standards for meat, poultry, and canned fruits and vegetables are set by the ____

A scholarship is an important asset for advanced education because it