Management of Resources Semester Exam

Taking recommended precautions will eliminate the possibility of identity theft

Those who sell directly to consumers are

Consumer spending contributes to economic growth

Businesses that want to hire young people often contact local schools

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

All of the following fluids need to be replaced regularly EXCEPT

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

All of the following are good driving habits EXCEPT

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

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

When researching vehicles, you should consider safety features

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

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

The best description of a budget is

Helpful hints for preparing a resume include

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

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

A telecommuter is a worker who

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

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

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

All of the following strategies will result in borrowing less EXCEPT

An apprenticeship involves

Following the maintenance scheduled means

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

In binding arbitration, the decision reached is

The purpose of a balance sheet is to determine your

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

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

Debts owed to others are considered

Road tests report on all of the following features EXCEPT

Dealers generally offer _____ for a trade-in

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

You should shred your credit-card documents before discarding them

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

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

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

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

Unlike a pyramid scheme, a gift giving club is legal

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

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

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

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

Pay stubs should be kept

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

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

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

Distance learning can be done by

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

A scholarship is an important asset for advanced education because it

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

Most education loans have a higher interest rate than regular loans

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

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

The GI Bill and AmeriCorps offer financial assistance for education from

To archive a document means to ______.

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

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

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

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

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

A common grace period might be

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

Financial software is

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

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

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

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

Tax returns should be kept

Electronic funds transfer (EFT) refers to

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Utility bills should be kept for 6 years

Using your credit card wisely includes all of the following EXCEPT

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

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

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

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

A resume should describe a job seeker's

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

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