What will she need to do this? Kenya will pay for the jeans over time. She decides to use a credit card instead. Here are five benefits of a harassment free workplace. Credit cards are secured loans for large amounts, while personal loans are unsecured for small purchases. a. b. What must he consider before using that method of payment? c. They are backed by the US government to ensure greater financial security. $600 per month for 1 year A monthly fixed rate mortgage payment b. b. out-of-pocket medical expenses b. d. property taxes decrease as equity increases. c. Alan's lifetime income includes both his career outlook and his career environment. 456,976 Which method would be best? 175,760 c. training to learn a new hobby Which careers would Jared enjoy? It's too much work to open a checking account. c. A student loan must be paid back, but a scholarship is not paid back. Which financial problems might cause a person to be considered a bad risk for a loan to purchase a home? 6,561 780,000 the increased value of an asset. Brenden wants to set aside money for times when he may be without work due to illness or layoffs. c. See if the job offers are fair by going online and finding average salary information for chemists. She owns a car worth $12,000 and has $7,500 in car loans. c. It shows that the owner is willing to share ownership of the business to reduce financial risk. Which list could Quincy have written? Round each loan's calculation to the nearest cent. b. expense Most students won't be able to afford paying for their loans, and leave that responsibility to their co-signers. Rupert has a negative credit history.Which compares their credit limits and likely interest rates? Co-signers were most likely college students themselves and understand what it is like to be a college student. The federal income tax withholding from his pay was 9% of his gross pay. $7,834.32 By the time Maria graduates, how much greater will the amount of interest capitalized be than the minimum amount that she could pay to prevent interest capitalization? c. how much a property is worth. Which describes a set amount of pay received by a worker over the course of a year? What is the price of the sofa. Check all that apply. In personal finance, what is considered a need? e. proof of address, a. identification card one already has enough savings. c. if you are putting aside a chunk of money to purchase a house in five years The interest rate this person pays on a $150,000 loan is 11%, compounded monthly. b. headphones for $29.99 and a portable speaker set for $30.95 Tuition is aid given to a student by an institution. Which statement describes employee benefits? Youre considered the provider of a fringe benefit even if a third party, such as your client or customer, provides the benefit to your employee for services the employee performs for you. Employee benefit are funded by an organisation for the benefit of the employee and includes various services and programmes as well as addition to compensation in the form of wages and salaries. c. benefit. Which of these is an advantage of checking accounts? Jessica is low risk and will pay her outstanding balances on time. b. to determine if he has a history of good credit phishing c. submitting an online payment Study the entries in Lupe's records and bank statement. They have lower interest rates and can be paid back with lower out-of-pocket costs. b. III. d. filing for bankruptcy, Which expense is a bank least likely to extend a line of credit for? b. c. a. CD d. filing for bankruptcy b. debit of $10 Which information can be found on a person's credit report? c. Fido decides to wait for a few months until his credit history improves. If Reg makes a monthly payment of $773.89, which of the following was his down payment? Prices fluctuate on the basis of demand. Choose all that should be included in your budget. Computer support specialist: work with people to service, upgrade, or design computer systems to fit their needs. b. when costs rise too quickly due to demand might go down. d. birth certificate $569.00 $15,135.20 b. current address, monthly income, car loan payment history, date of birth $654.45 Which statements apply to leasing a car? a. credit that is to be repaid in full by a specific date Yarin's gross pay for the year was $3,500. How many different 4-digit personal identification numbers are possible if no digit can be used twice? bank. All the above discuss are requirement of employees so that they benefited. Requires that the benefit of gain or the risk of loss from the assets contributed to the pension plan be borne by the employee. b. employment and race. True b. $324.33, Toby just graduated from four years of college. Which of the following options could help you resolve the issue? _____ is a process for enabling employees to better understand & develop their career skills & interests & to use them most effectively within the company & afterwards. d. b. What is the difference in the finance charges for the two choices? Building equity in a home is a good thing because $3.00 d. It's best to use only one document to track spending. $55.07 The level of investment in markets often indicates 175,760 b. e. high cost of living d. Tuition is the price of attending classes at a school. to help people invest in small businesses c. Since Zoe has a past bankruptcy, she will end up paying a higher interest rate. Consumers Union c. her Social Security number c. Tuition is money borrowed to pay for an education. an inquiry from a bank that requested the person's credit report e. She should take the position that has the lowest cost of living. Tamera and Rupert each applied for the same credit card through the same company. an unpaid utility bill that has been given to a collection agency Check all that apply. country of origin. c. Obtain a credit card to pay for a refurbished computer. b. a flat-screen TV a. Seek the help of the Department of HHS. for the employee benefits which shows that the employee get some facilities like HRAs, TA/DA, paid vacations and many more. b. b. Is advertising influencing her? b. the total income available to spend. d. They allow access to the money at any time without penalty. the hourly pay rate. a. d. Employee benefits are nonsalary compensation granted by an employer. By the time Olivia graduates, how much greater will the amount of interest capitalized be than the minimum amount that Olivia could pay to prevent interest capitalization? c. She must check to see if any automatic payments are scheduled for her account. a. An adjustable-rate mortgage is one that c. her Social Security number Compound interest pays at least double the interest on the principal during each month. Bankruptcy erases all of your debt. She wants to be sure that she is earning interest on her money and can add to her savings. $23,346.24 $842.25 budget Round all dollar values to the nearest cent. How much does Tyrell pay in additional interest each month? What is the total lifetime cost for Toby to pay off his 4 loans? IAS 19 was further amended in 1993 and renamed as IAS 19 Retirement Benefit Costs. Which best describes what a market index does? Select three options. a. b. credit scores increase as equity increases. 156,000 They are issued in cooperation with the student's university to reduce costs and paperwork. a high interest rate. It's only important to track large amounts in personal records. Has she compared prices? d. all monthly car payments, What is an advantage of renting a place to live? Individuals injured on the job while employed by private companies or state and local government agencies should contact their state workers' compensation board. when they are able. Companies know that people will be willing to spend more to get an in-demand product. Life insurance. b. Her deductions total $270. my recipe calls for 4/5 of a cup of flour and I want to make it 1/2 of the recipe how much flour do I need? a. b. a. two books for $29.95 each c) Premiums are not deductible to the business. She should research the benefits included in each offer. a. Yuri must check his credit history. a. II and III a. $96.96 $63.52, At the beginning of each of her four years in college, Miranda took out a new Stafford loan. b. Wait for the bank to call her. Engineer: design, plan, or manage a system such as machines, computers, or roads. d. a car to be used for transportation to and from work, Which payment option provides consistency in on-time bill payment? a. b. d. unexpected issues may arise. $2,200 - (blank). Which savings plan will help Yasmine save enough money to pay for one year of school, regardless of whether or not interest is earned on her savings? d. Yuri must check his credit card balance. d. 8 percent, If Massachusetts has a sales tax of 6 percent and New Hampshire has no sales tax, how much money can be saved by buying a $1,000 television in New Hampshire? $968.80 a. c. salary agree to accept no risk when borrowing money. Checking accounts allow convenient ways to deposit or withdraw funds. b. sales tax Will this cause my bank account to have a negative balance? Employers may offer a diverse range of other employee benefits including: unlimited holiday; paid or part-paid conference attendance; Christmas parties; concierge services; relaxation apps; free or subsidised staff canteens; and a nap room. Alan is young, but he decides to plan for his retirement early. Other long-term employee benefitsare all employee benefits other than term short-employee benefits, post-employment benefits and termination benefits . 811,200, A 6 character computer password is made up of 4 numbers followed by 2 letters. If the loan has an interest rate of 5.3%, compounded monthly, how much interest capitalization has occurred by the time he graduated? Check all that apply. What does purchasing insurance for a business reveal about the business owner's attitude toward financial risk? It shows that the owner expects financial risk and is eliminating it by making an insurance company liable. Kenya did not have enough money in her bank account to buy the jeans. b. employee benefits must repay the loan in five to ten years. b. Julio is correct because he can pay $45,000 and have no more liabilities. a. musician in a band on tour Fringe benefits include cars and flights on aircraft that the employer provides, free or discounted commercial flights, vacations, discounts on property or services, memberships in country clubs or other social clubs, and tickets to entertainment or sporting events. a. Check all that apply. Lydell reads and signs the privacy policy at his doctor's office that says they only share information with pharmaceutical companies. She should research the benefits included in each offer. c. down payment over time, usually many years. b. b. a. having a checking account the distribution of earnings to shareholders. a. c. increases annually. Byron filed for bankruptcy a few years ago, but is still paying higher deposits and interest rates. Most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment. d. $10,393.82 An index measures growth. b. d. income from investments c. analyzing the availability of housing loans. 2 percent to determine which company has the best credit card features d. Review the pros and cons of the different available computers. b. c. 9,000 b. d. private loans are only available to parents, while federal loans may be issued to the student. A pet groomer gave 9 baths, 15 nail trims, 8 brush-outs, and 5ear cleanings.For every 5nail trims, the groomer gave 3. What must Freya consider before using her debit card? c. $553 No, people can buy stocks anywhere, and they do not need to go through a market. c. the total salary and value of insurance benefits for all the years worked What is the name of this agreement? the stamp collection and the bank account only There is never a sure way to predict the likelihood of success. Capital appreciation refers to a. cost. c. entertainment e. Research only the company that is closest to where she lives. A vocational school degree takes one year to earn. c. Postsecondary education includes college classes and vocational training. Making a decision. $29.90 Which statement describes an hourly wage job? b. income Credit cards offer lump sums of money, while personal loans set a maximum amount a person can borrow. d. Checking accounts offer limited checks but offer higher rates of interest. Many people prefer a fixed-rate mortgage because it Which details apply to a financing contract? c. Postsecondary education includes college classes and vocational training. III. b. a. Ariel wants to compare the salaries for positions she was offered at two companies. b. Why do most student loans involve a co-signer? c. includes interest rate information The beauty of voluntary benets is they can be customized for the specic needs of a business and their employees, catering to certain vocations, stages of life, location and lifestyles. Jessica is low risk but will not pay her outstanding balances on time. By the end of the month, Simon had no money left for groceries. She has $3,000 in investments, $2,700 in a bank account, and owes $1,500 on a credit card. Which best describes why investing can be such a challenge? within a year. The car had a list price of $22,499, and he was responsible for 7.96% sales tax, a $2,138 vehicle registration fee, and a $262 documentation fee. b. d. If the business is closed for a holiday, the employee still gets paid regardless of available vacation hours. Check all that apply. After reviewing her well-kept records, she cannot find anything that is incorrect. Borrowers choosing an adjustable-rate mortgage c. Shondra should be sure she will have enough in her account to be able to make the monthly payments. $21.00 c. Yuri must be sure he has enough left in his checking account for any expenses and automatic payments. b. making a payment by telephone d. Simple interest is paid on the principal and interest accrued, while compound interest is paid only on the principal. a. Which is a possible benefit of having a good credit history? a. the monthly savings amount. b. Which resource is most likely to give balanced, accurate information? Select three options. c. d. You must return the car after the lease ends. Debit. address c. low down payment 3. scholarships and grants. However, when she receives her bank statement, she's surprised to see that she has been charged a $5.00 overdraft fee. the person's education level, an unpaid utility bill that has been given to a collection agency How is a student loan different from a scholarship? c. She must check the interest rate on the debit card. $3,360 C. The investment risk is borne by the employer. home loan Can I make payments on time and avoid late fees? $1,670.30 Freya wants to use her debit card to purchase a $135 tablet computer. c. federal loans must be paid back more quickly than private loans. It will be easier for him to get a loan to buy the house. the stamp collection, the bank account, and the skateboard, the stamp collection, the bank account, and the skateboard, A 7 character computer password is made up of 4 letters followed by 3 numbers. Emily is deciding whether to buy the same designer jacket her friends have. c. Companies take advantage of the demand to make people spend more money on excess products. They both receive capital to use for growth. The loan has a duration of ten years and an interest rate of 7.5%, compounded monthly. fail to pay their bills on time. At the beginning of each year, he took out a Stafford loan with a principal of $6,125. a. college savings account for his daughters b. a savings and loan 158,184 How much interest capitalization will have accrued by the time Edgar graduates? c. having more debt than income only goes up. If Shona only has $40 to spend, which store will she purchase the rug from, and how much will she have left over? By the time Helena graduates, how much greater will the amount of interest capitalized be than the minimum amount that she could pay to prevent interest capitalization? d. the total cost of college classes and vocational training divided by the total years worked, b. the total salary and retirement benefits for all the years worked, Sebastian has just graduated after four years of university. d. c. If an employer wants the employee to work more hours in a week, the result is a larger paycheck. $14.56 $200,000 loan for a home, What is easy-access credit? d. progressive tax, Why were savings and loans (S&Ls) originally established? Each paycheck is the exact same regardless of number of hours worked. She has a credit score of 790. employment and trust. f. Event planner: works with people to plan parties, weddings, fundraisers, or corporate events. b. Someone buys a new boat with a loan from a boat dealer. The benefits are subject to income tax withholding and employment taxes. b. payments change from month to month Henry will graduate in four years, and the loan has a duration of ten years. To revise a monthly budget, changes in which categories might need to be addressed? b. d. the career's employee benefits. Most companies often provide health insurance for their employees in cases of unforseen circumstances such as accident or sickness . d. Check her records against her bank statement. What is Ramya's mother's net monthly income? Filing for bankruptcy can make it hard for a consumer to reestablish and obtain (blank). c. Ignore the fee because it is relatively small. A refrigerator is priced at $1,250. $200 Marlene has decided to save $3,500 so that she can attend the nearby community college. a. $860, What is one cost of avoiding insurance? a. He will get the house for a lower price. What is Compensation employees? Mandatory benefits, also known as statutory benefits, are benefits that employers are required by law to provide to their employees. I only d. home equity line of credit. What should she consider in this process? They both receive capital to use for growth. 8,100. mother's maiden name She is to pay a federal income tax of 16%. e. proof of her address b. Employee Benefits Corporation is a service provider under California's privacy laws. d. The career is shrinking and will provide fewer opportunities over time. Sofia has saved $10,000. Personal loans offer lump sums of money, while credit cards set a maximum amount a person can borrow. d. doctor for a professional sports team, a. doctor in a clinic that serves a low-income population, Cameron is choosing a career out of high school with no further training. Companies and their departments require a certain amount of employee benefits to comply with the law. a. As Ruth Ann is researching careers, she decides she enjoys living in her hometown and doesn't want to relocate. e. savings for your emergency fund, Ramya's mom was hired for a new job with a yearly income of $84,000. b. out-of-pocket medical expenses fail to use different types of credit. d. Find out the cost of living for the job locations, and compare them against the offered salaries. It shows that the owner acknowledges the financial risks and is willing to pay every month to transfer the risk to an insurance company. Bonds are considered to offer a guaranteed return, as they must be honored by law, but which is still a potential risk that investors face? II and III are governmental; I and IV are not. Which statement explains whether Julio is correct? Which describes an example of using unsecured credit? Treasury bills Federal grants can be awarded for various reasons, but scholarships are always based on a student's financial need. Jared can work in groups at school and likes to help plan events like class parties and dances. Are the buying and selling of stocks centralized activities? $270 The simple interest on a loan of $200 at 10 percent interest per year is c. as soon as they can. When making a decision about housing, the first step should be How many different passwords are possible? Management is concerned with promoting a shift in mindset from self-responsibility to entitlement, O c. Management is concerned with employee turnover because of benefits, @d. Fido wants to buy a new car. In which situation would a savings bond be the best investment to earn interest? If letters can be repeated and the special character is at the end of the password, how many possibilities are there? She should research the cost of living of different locations to compare against the offered salaries. Keisha owns a house worth $275,000 with a mortgage of $195,000. d. Review the pros and cons of the different available computers. d. A scholarship is a form of financial aid, but a student loan is not. Which questions should Freya answer before using a credit card? The consumer has the right to repeat any transaction. 10,000. assets The car may be driven as much as needed. Which type of account is most likely best for her? f. early retirement, a. post-secondary education d. a. identification b. b. employee benefits Such workplaces also enjoy good employee-client relationships. To help her decide, she will do some research. d. b. federal income tax $1,139.76 b. a. Miranda paid off each loan by making constant monthly payments, starting with when she graduated. An employer typically pays for it in order to educate an employee. $36,490.25. can change. d. What is a benefit of obtaining a personal loan? b. facing increased probability of accidents, falling into debt if faced with a serious problem. Riley reads an agreement on the first page of her policy which includes a list of losses that will be covered by the insurer. d. a. Sean decides to pay his bills online because he does not like the inconvenience of finding stamps and mailing his bills. the ability to make a profit from owning stock. Ensuring your department has all the benefits required by law can help improve your legal compliance and improve employee productivity. I and II Shred all mail with personal information before discarding it. Which results are more likely for someone without personal finance skills? d. A grant is the price of attending classes at a school. Byron gives his credit card number to a telephone solicitor, but only after getting the person's name. d. She must check her credit history. the company's financial health A (blank) is a plan in which an individual balances available resources and expenses. Most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment. a. They can be powerful and attractive elements of the overall employee value proposition for a job opening. a. b. income tax returns. They both act as angel investors for start-ups. c. Property taxes are based on is variable. Joaquin is trying to decide whether to get the training or put the money in savings for retirement. Transaction (Blank) are debt certificates that are purchased by an investor. Check all that apply. Not yet answered Marked out of 1.00 Select one: a. $1,384.00 d. When studying finance or economics, the cost of a decision is also known as a(n). $595.20 school, Sunday | 22 views, 2 likes, 0 loves, 0 comments, 0 shares, Facebook Watch Videos from Tucker Presbyterian Church: Sunday School Hour February 5, 2023 a. With a better credit rating, they could have gotten the loan at a rate of 8%. Review her records again. b. c. A grant is money borrowed by a student to pay for an education that will need to be repaid. When people take out a mortgage, they must pay back the money Which are common types of bonds that are currently issued? d. Shona can afford the rug in store A. b. Which statement about the cost of the laptop is true? c. She should use the US Bureau of Labor Statistics website since it will cover a wide range of information about the careers around the United States. a. visiting different housing locations. the right to safety and the right to be heard, the right to be heard and the right to redress, Say that a company has treated you unfairly or dishonestly. c. They find it easy to get a loan from the bank. a. I & II only Someone buys new gutters for a home with a credit card. d. EFT from a different bank into the account c. previous address, current address, schools attended, bankruptcy d. d. The bank will charge a fee for having a negative balance. He has a stamp collection worth $1,250 and he has $300 in a bank account. the quantity products produced He will be able to get a higher interest rate when buying the house. Freya realizes she does not have enough in her bank account to use the debit card. $260.37, Calculate the monthly payment for a 5-year car loan of $23,570 at 10.43% interest, compounded monthly. b. The FAFSA can help students obtain (blank 3), 1. financial aid eligibility not benefitting from insurance deductibles a. Fido's decision is sensible because the selling price of the car should be less in a few months. d. Alan's lifetime income is both his college classes and his vocational training. b. b. d. requires a signature for rent-to-own agreements In some cases, it is safe to avoid insurance because is predictable. Which statement is true about her method of payment? Shona is buying a rug for her room. a. a. c. equity unsubsidized Stafford loan a. Julio is correct because the $45,000 equity in the house is the real asset. c. Which questions should she consider before she buys the jacket? Employee benefits are added perks offered and provided by employers on top of compensation and can include extended medical insurance, paid time off, profit sharing, learning and development strategies, retirement benefits, and more. An index measures the performance of a single stock. d. $25,000 subsidized Stafford loan a. Lakesha does not have enough in her bank account to use a debit card for the purchase of a bike she needs to get to work. making sure she has a positive credit history Julio has a house worth $220,000. Place your old bank statements in the recycle bin. c. Form a decision. c. How much will the bike cost when adding the finance charges to the price? Kendrick is planning to buy a house. d. having a paycheck garnished, b. obtaining a low interest rate on a loan. Gather information. Consumer Product Safety Commission The Department of Labor's Health Benefits Under the Consolidated Omnibus Budget Reconciliation Act (COBRA) provides information on the rights and protections that are afforded to workers under COBRA. 702,000 Select three options. d. If Kanya uses the credit card and pays the full balance during the billing cycle, she will spend $25.20 less than paying cash for the laptop. c. improvements to a home c. Generally, this exclusion also applies to qualified long-term care insurance contracts. $477.27 Take action. What is the job outlook for a US postal worker? Which educational institutions typically cost the most to attend? $33.10 Which statement best describes the lesson we can learn from Lupe's experience? b. Moreover, cooperation among employees is better in a harmonious work environment. The sales tax is 6% on either purchase. d. d. Check her records against her bank statement. The issuer could go bankrupt. There will be a late fee added to the bill. a. if you need access to your cash quickly Sales tax is calculated by multiplying the price of an item by the (blank), If a home is valued at $250,000 and the property tax rate is 2 percent, how much will the owners pay in property taxes? to be able to pay for it over time showing her driver's license, making sure she has a positive credit history, Before giving a loan to a customer, a lender examines the customer's credit report. asking nicely d. how much property tax has been paid Why do prices increase when demand for a product is high? c. Shona can afford the rug in store B. See more on the variety of staff benefits on offer in our Reward management surveys. Fringe Benefit Examples An investor makes money by earning interest. c. c. calculating the interest owed on a savings account c. They are payable for more than 12 months. a. vocational schools The statement about employee benefits is true will be: Most companies offer health insurance Health insurance is an insurance coverage that help to cover a person medical costs. Pay more than the minimum amount that is due. d. The career is shrinking and will provide fewer opportunities over time. b. who lives on a property. d. $29,904.00, How much did Briana save by purchasing a backpack that cost $45 with a sales promotion of 20% off instead of a backpack that cost $42 with a sales promotion of 10% off? What is Keisha's net worth? Which step in the decision-making process should Simon now take? She will have $1.84 left over. Tuition is federal money awarded to a student. She asked Ramya to compute her net monthly income. Borrowers taking a balloon payment mortgage most likely c. Yuri must be sure he has enough left in his checking account for any expenses and automatic payments. $43.68 plan to rent out their homes. 3,276,000 Edgar has taken out a $6,250 unsubsidized Stafford loan to fund his four-year undergraduate degree. right to dignity. a. location of the company c. equity in a home increases the homeowner's net worth. interest on student loans. often pay a lower interest rate during the first few years. c. life-enrichment director and event planner at a retirement home, Which type of training would be considered vocational training? a. Check all that apply. Thus, the correct answer is D. are unwilling to accept any risk in borrowing money. b. a smaller percentage chance of loss. a. post-secondary education What does she need to have when she goes to the bank? c. Rupert's credit limit is most likely higher than Tamera's, and his interest rate is most likely lower. Line of credit for compare the salaries for positions she was offered at two companies he consider before using debit. Why investing can be repeated and the special character is at the beginning of each of her four years college! Young, but scholarships are always based on a student 's financial a! To ensure greater financial security $ 220,000 TA/DA, paid vacations and more. Obtaining a low interest rate during the first step should be how many different 4-digit identification... Of pay received by a specific date Yarin 's gross pay many different passwords are possible no. Withholding from his pay was 9 % of his gross pay her policy includes! A lower interest rate is most likely higher than tamera 's, and they do not need to go a. Or roads utility bill that has been charged a $ 6,250 unsubsidized Stafford loan to buy the same jacket... Which expense is a form of financial aid, but only after the... 968.80 a. c. equity unsubsidized Stafford loan to buy the same credit?! 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