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Spring 2023 FINAL Flashcards | StudBud
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Spring 2023 FINAL
Spring 2023 FINAL
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1
What is NOT considered Business Casual Attire?
Closed-toed Shoes
Khakis
Dresses/Skirts
Denim Jeans
2
What is the best way to pay off a credit card purchase?
Make a large payment before you get your statement
Make a small payment before you get your statement
Only pay the minimum payment
Wait until after you receive your statement
3
What does a paystub show?
All of the above
The amount you have earned in a pay period
The total amount of taxes withheld through the year
The amount you pay in health insurance each pay period
4
When do you fill out a W-4 form?
When you first get hired or want to change the number of tax deductions
Never - it's not really a thing
When you want a raise
When you are filing your taxes
5
How often should you change your car's oil?
About every 5,000 - 7,500 miles or every 6 months (whichever is soonest)
Only when the oil light comes on - the car knows what it needs
Every 1,000 - 3,000 miles or every 3 months (whichever is soonest)
At most once a year - no matter the miles
6
What's the quickest way to get your tax return back?
All of the above
Fill out online, print the form, & mail it
Fill out on paper & mail it
Fill out online & file online
7
What example best describes traditional business casual dress attire?
Business suit with polished black shoes
Trendy jeans, a nice shirt, and nice shoes
A polo shirt, khakis, and dress shoes
Dress shirt, tie, and dress shoes
8
What is the over-the-limit fee on a credit card account?
A fee charged when going over the limit of credit cards a person can have
The fee charged for opening a credit card
A fee charged when a consumer goes over the limit of purchases allowed
The fee charged for using more credit than approved
9
What is the gross income on a paystub?
The same as "nasty" income
Total wages before any deductions
Your yearly salary
Total taxes owed
10
What is a bank routing number?
Each customer's number for the bank account they have individually
The bank's rating on review pages like "Yelp"
The bank's physical address so the mail can be sent directly
The bank's online "address" for online deposits/withdrawals
11
What is a W-2 used for?
When getting hired
Taxes; it comes in January
Social Security payments; it comes in January
All of the above
12
What are two things true about a JOINT ACCOUNT?
Both people can use the credit line
Only one person can close out the account
One person can lock the other person out
Both people are responsible for the balance
13
What is a good (and reasonable) way to save money on clothing?
Buy name-brand clothes
Shop at discount stores, thrift stores, and off-season clearance racks
Don't buy any clothes at all
Use a credit card and buy everything at once
14
When should you ONLY wear LOUNGE WEAR?
Interviews
At Mrs. Ferguson's birthday party
In your home & private occasions
Social gatherings (weddings, showers, etc.)
15
What is NOT an employee perk?
Free products
You get to take money from the register for personal use
An employee discount
You get to make your own schedule
16
What is one way to save money on doing laundry?
Buy the biggest bottles possible
Buy brand-name soaps because they do better the first time
Go naked
Use the JAG website to see the cheapest ways
17
Where does the RECEPIENT'S name and address go on an envelope?
Top left corner
Center of envelope
Bottom left corner
Top right corner
18
What is NOT appropriate to wear to an interview at a school or office job?
Business suit with a dark tie
Jeans and a pullover sweater
Button-up shirt/blouse with slacks
Dress suit with medium heels
19
What is the best attire for Silvia to wear to a professional meeting?
A blouse, jeans, and tennis shoes
Blouse, slacks, and low heels
Dress or dress suit with high heels
A skirt, a nice blouse that barely shows her mid-drift, and flats
20
What is the typical tax deadline each year?
April 15
March 31
March 3
June 31
21
Which of these do you put on a resume?
Your social security number
Your contact information
Your dog's full name
A job you did for a week
22
What is the minimum car insurance you must have?
Liability
None, it's not required
Comprehensive
Collision
23
Where does the STAMP go on an envelope?
Top left corner
Top right corner
Bottom left corner
Center of envelope
24
What is a realistic way to save $ on food each month?
Don't buy ANY snacks all month
Only eat Ramen
Use Door Dash only 1 X per week
Plan and prep meals every week
25
What can you use to quickly check your tires' tread?
Put a penny between the tread to check for depth
Run your hand over the tread to check for roughness
Push gently with your foot to see how far it goes in
Check the sidewall width
26
What's a great resource to use as you start "adulting"?
gotmilk?.com
Ivy Tech website
Our very own JAG website
Indiana.gov
27
What does MPG stand for?
Miles Per Gallon
Minutes Per Gallon
Minimum Pay Grade
Miles Per Gram
28
What is a grace period on a line of credit?
Usually 60 days after a payment is due
There is no such thing
Extra time before you assessed a penalty fee
Usually 30 days after a payment is due
29
What clothing should you avoid wearing when working with children?
Ripped, torn, or frayed clothing
Clothing with inappropriate logos, words, symbols
Low-cut or revealing clothing
T-shirt, shorts, and sandals
30
What is one of the best ways to save money on car maintenance?
Hire a neighbor or friend
Use a local garage for repairs
Use the dealership's technicians for repairs
Do regular maintenance yourself
31
How is the NET INCOME on a paystub figured?
The income after taxes are taken out
The income made from fishing
What is left after you pour your income through a fishing net
The income before taxes are taken out
32
How often is a finance charge applied to a credit line?
Quarterly
Yearly
Weekly
Monthly
33
Where is one place you shouldn't purchase a car?
The local dealership
CARVANA (online)
Facebook Marketplace
A well-reviewed used car lot
34
Which type of credit is backed by collateral or a co-signer?
Credit line
Secured credit
High interest credit
Unsecured credit
35
Where does YOUR name and address go on an envelope?
Top right corner
Top left corner
Bottom left corner
Center of envelope
36
What is important when writing a thank you card?
The type of paper it is made of
Spelling, grammar, & correct punctuation
Signing it, "Sincerely, Your Bro."
Handing it directly to them
37
Which is NOT a good way to save money on hygiene products?
Try a generic or store brand periodically
Purchase what you need on a credit card
Use coupons, coupon codes, and sales to your advantage
Use comparison shopping techniques
38
What is important when selecting a car?
Mileage
All of the above
Price
Condition/history
39
What question below is an appropriate one to ask during an interview?
"What is the company's dress code?"
"How much money do you make?"
"How soon can I take off work?"
"What are the owner's political beliefs?"
40
When do you have to register your car in Indiana?
When you first buy it and every year after according to your last name
Only once when you first buy it
Never - Indiana doesn't require it
Whenever you want - there is no timeline
41
Which type of credit is NOT backed by collateral or a co-signer?
Unsecured credit
Secured credit
High interest credit
Credit line
42
Typically, how long do tires last in good working order?
7 - 9 years
18 months - 2 years
3 - 5 years
Forever, if they are rarely driven on
